Simmons First National Corporation (SFNC) Q2 2026 Earnings Call Transcript

Simmons First National Corporation (SFNC) Q2 2026 Earnings Call July 17, 2026 8:30 AM EDT

Company Participants

Edward Bilek - Executive VP & Director of Investor and Media Relations

Charles Hobbs - Executive VP & CFO

Jay Brogdon - President, CEO & Non-Independent Director

Christopher J. Steenberg - Executive VP & COO

Conference Call Participants

David Feaster - Raymond James & Associates, Inc., Research Division

Wood Lay - Keefe, Bruyette, & Woods, Inc., Research Division

Matt Olney - Stephens Inc., Research Division

Stephen Scouten - Piper Sandler & Co., Research Division

Brian Wilczynski - Morgan Stanley, Research Division

Gary Tenner - D.A. Davidson & Co., Research Division

Presentation Operator

Good day, and welcome to the Simmons First National Corporation Second Quarter 2026 Earnings Conference Call and Webcast.

Please note this event is being recorded.

I would now like to turn the conference over to Mr. Ed Bilek. Please go ahead, sir.

Edward Bilek Executive VP & Director of Investor and Media Relations

Good morning, and welcome to Simmons First National Corporation's Second Quarter 2026 Earnings Call. Joining me today are several members of our executive management team, including President and CEO, James Brogdon; and CFO, Daniel Hobbs.

Today's call will be in a Q&A format.

Before we begin, I would like to remind you that our second quarter earnings materials, including the earnings release and presentation deck, are available on our website at simmonsbank.com under the Investor Relations tab.

During today's call, we will make forward-looking statements about our future plans, goals, expectations, estimates, projections and outlook, including, among others, our outlook regarding future economic conditions, interest rates, lending and deposit activity, credit quality, liquidity and net interest margin. These statements involve risks and uncertainties, and you should, therefore, not place undue reliance on any forward-looking statement as actual results could differ materially from those expressed in or implied by the forward-looking statements due to a variety of factors. Additional information