Voltage dividers should almost never be used for power supplies- your suggested resistors would have an effective source resistance of about 56K\$\Omega\$ so a modest load of 1K would reduce the voltage to under 0.2V.
Efficiency of a linear regulator cannot be any better than Vout/Vin, and is often worse because the regulator needs to use some current to operate.
Also, the LM7810 is not comfortable with only a 2V headroom.
There are better regulators such as the LM2991 (negative) and the LD1117A (positive) that can be set with resistors and can supply significant current with little loss.
Be sure to read the datasheets carefully as to acceptable output and input capacitance and ESR, as well as thermal consideration and minimum output load current.