Simmons First National Corporation (SFNC) Earnings Call Transcripts

Simmons First National Corporation's Latest Earnings Call - Q1 FY2026

Simmons First National Corporation reported a strong first quarter for fiscal year 2026, with a notable 10% annualized loan growth driven by robust demand and internal strategic shifts. Revenue and earnings were not explicitly detailed in the transcript, but management expressed confidence in maintaining growth momentum. The company signaled a positive outlook for net interest margin (NIM) and net interest income (NII), with expectations to reach the higher end of their 9% to 11% growth guidance. Management also highlighted improvements in deposit mix and cost management as key drivers of financial performance.

Reported metrics

Guidance from management

Management expects NIM to continue improving and NII growth to reach the high end of the 9% to 11% range. They remain focused on deposit remixing and maintaining expense discipline.

What management said

Yes. And Matt, I just want to clarify one comment you made. The $30 million is not just one loan. It's multiple loans spread across a number of properties, and it's one relationship. And so just clarifying that for you.

Yes, Stephen. So over the last 90 days or in the first quarter, the CDs that matured was in the [ 356 ] range and what went on was in the [ 313 ]range. So as you think about the [ 346 ] in that bucket, there's a component of that, that is a public fund deposit that will kind of reprice at the market. But the biggest majority of that is going to likely reprice down kind of in that 313 probably range, maybe plus or mi...

What analysts pressed on

Analysts expressed concerns about the sustainability of loan growth and the impact of competitive pressures on deposit costs. There were also questions about the increase in non-performing loans and its implications for credit quality.

Main topics on the call

• Loan Growth — Simmons achieved a 10% annualized loan growth, attributed to a focus on quality growth and internal strategic shifts. CEO Jay Brogdon stated, 'We were really, really pleased with what we saw in the quarter.'
• Net Interest Margin (NIM) Outlook — NIM increased by 3 basis points quarter-over-quarter, with management optimistic about further improvement due to deposit remixing and a favorable interest rate environment. CFO Daniel Hobbs noted, 'We're probably going ...
• Deposit Strategy — The company is focusing on remixing deposits and reducing time deposits to improve cost efficiency. Management highlighted new consumer deposit products and strategies to grow core deposits.
• Talent and Leadership — Recent leadership hires in commercial and consumer sectors are expected to drive organic growth. Brogdon mentioned, 'Our two new leadership hires...are changing or evolving in very, very good ways.'

Read the full Simmons First National Corporation transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 31 Simmons First National Corporation earnings call transcripts on record, spanning January 23, 2020 to October 16, 2026. Based on this history, Simmons First National Corporation reports quarterly. The most recent call on file is dated October 16, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

SFNC

Exchange

NasdaqGS

Country

US

Sector

Financials

Industry

Banks

Calls on record

31

First call

January 23, 2020

Most recent

October 16, 2026

Reporting cadence

quarterly