Simmons First National Corporation (SFNC) reported net income of USD 78.1 million for the fourth quarter (Q4) of 2025. Diluted earnings per share for the period were USD 0.54. Adjusted net income reached USD 79.0 million, with adjusted diluted earnings per share also at USD 0.54. Total revenue for Q4 2025 was USD 249.0 million. The company reported a net interest margin of 3.81 percent for the quarter. The return on average assets was 1.28 percent, while return on average common equity stood at 9.08 percent. Adjusted return on average assets was 1.29 percent and adjusted return on average tangible common equity was 16.10 percent. The efficiency ratio for the quarter was 55.52 percent, with an adjusted efficiency ratio of 53.64 percent. Both total loans and total deposits increased 7 percent on an annualized basis during Q4 2025.

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