Form 8-K

8-K — SIMMONS FIRST NATIONAL CORP

Accession: 0001193125-26-422936

Filed: 2026-10-15

Period: 2026-10-15

CIK: 0000090498

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — d439916d8k.htm (Primary)

EX-99.1 (d439916dex991.htm)

EX-99.2 (d439916dex992.htm)

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8-K

8-K (Primary)

Filename: d439916d8k.htm · Sequence: 1

8-K

SIMMONS FIRST NATIONAL CORP false 0000090498 0000090498 2026-10-15 2026-10-15

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) October 15, 2026

SIMMONS FIRST NATIONAL CORPORATION

(Exact name of registrant as specified in its charter)

Arkansas

0-6253

71-0407808

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

501 Main Street, Pine Bluff, Arkansas

71601

(Address of principal executive offices)

(Zip Code)

(870) 541-1000

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange

on which registered

Common stock, par value $0.01 per share

SFNC

The Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02

Results of Operations and Financial Condition.

On October 15, 2026, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

The information provided pursuant to this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (“Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Registrant under the Securities Act of 1933 (“Securities Act”) or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 7.01

Regulation FD Disclosure.

On October 15, 2026, the Registrant issued an investor presentation, a copy of which is attached hereto as Exhibit 99.2 and is incorporated herein by reference.

The information provided pursuant to this Item 7.01, including Exhibit 99.2, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Registrant under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01

Financial Statements and Exhibits.

Exhibit 99.1

Press Release dated October 15, 2026

Exhibit 99.2

Investor Presentation issued on October 15, 2026

Exhibit 104

Cover Page Interactive Data File (embedded within the Inline XBRL Document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

SIMMONS FIRST NATIONAL CORPORATION

/s/ C. Daniel Hobbs

Date: October 15, 2026

C. Daniel Hobbs, Executive Vice President and

Chief Financial Officer

EX-99.1

Filename: d439916dex991.htm · Sequence: 2

EX-99.1

Exhibit 99.1

October 15, 2026

Simmons First National Corporation Reports Third Quarter Results

FINANCIAL HIGHLIGHTS

3Q26

2Q26

3Q25

3Q26 Highlights

INCOME STATEMENT SUMMARY (in millions)

Comparisons reflect 3Q26 vs 2Q26 unless otherwise

noted

•

Net income of $47.1 million and diluted EPS of

$0.32

•

Adjusted net income1 of $79.0 million and

adjusted diluted EPS1 of $0.54

•

ROAA of 0.77% and ROE of 5.37%

•

Adjusted ROAA1 of 1.29%; adjusted ROTCE1

15.50%

•

Total revenue of $251.2 million and PPNR1 of

$69.1 million

•

Adjusted total revenue1 of $251.2 million and

adjusted PPNR1 of $112.3 million

•

Net interest margin up 8 bps to 3.92%

•

Loan yields up 5 bps and cost of deposits down 8

bps to 1.85%

•

Efficiency ratio of 71.59%; adjusted efficiency

ratio1 of 53.31%

•

Provision expense exceeded net charge-offs by

$14.1 million for the first nine months of 2026

•

NCO ratio at 27 bps for 3Q26; ACL at 1.37%

Total revenue

251.2

248.6

(569.5

)

Adjusted total

revenue1

251.2

248.6

232.5

Pre-provision net revenue1 (PPNR)

69.1

100.8

(711.6

)

Adjusted pre-provision net revenue1

112.3

108.2

92.8

Provision for credit losses

12.2

17.4

12.0

Net income (loss)

47.1

66.7

(562.8

)

Adjusted net income1

79.0

72.2

64.9

PER SHARE DATA

Diluted earnings

0.32

0.46

(4.00

)

Adjusted diluted

earnings1

0.54

0.50

0.46

Cash dividend declared

0.2150

0.2125

BALANCE SHEET (in

millions)

Total loans

17,465

18,062

17,189

Total deposits

18,616

19,728

19,838

Total assets

24,074

24,777

24,208

Total shareholders’ equity

3,350

3,482

3,354

ASSET QUALITY

Net charge-off ratio (NCO ratio)

0.27

0.20

0.25

Allowance for credit losses to loans (ACL)

1.37

1.32

1.50

CAPITAL RATIOS

Equity to assets (EA) ratio

13.91

14.05

13.85

Tangible common equity (TCE)

ratio1

8.62

8.91

8.53

Common equity tier 1 (CET1) ratio

12.05

11.60

11.54

Total risk-based capital ratio

14.80

14.35

15.07

OTHER RATIOS

Return on average assets (ROAA)

0.77

1.09

(8.96

Adjusted ROAA1

1.29

1.17

1.03

Return on average common equity (ROE)

5.37

7.69

(66.29

)

Return on average tangible common equity1

(ROTCE)

9.42

13.32

(113.56

)

Adjusted ROTCE1

15.50

14.37

13.62

Net interest margin (FTE)2

3.92

3.84

3.50

Efficiency ratio

71.59

58.72

(25.11

)

Adjusted efficiency ratio1

53.31

54.26

57.72

Jay Brogdon, Simmons’ President and CEO, commented on third quarter 2026 results:

“The third quarter showcased our commitment to delivering sustainable long-term value through focused execution of several strategic initiatives

designed to improve profitability and further optimize our balance sheet. We continue to achieve reductions in noninterest expenses as well as back-book loans and deposits with low relationship value. Combined with disciplined loan and deposit

pricing, these initiatives drove net interest margin expansion of 8 basis points to 3.92%, and drove meaningful improvements in our adjusted ROAA and adjusted ROTCE performance.

Credit quality metrics remained relatively stable during the quarter, as we actively manage legacy credits and pursue early identification of potential

problems. We continue strengthening reserves to buffer our already strong capital levels.

As we look to the fourth quarter and beyond, we will remain relentless in our commitment to the

principles of generating sound and profitable growth. By simplifying and focusing our business, we have gained efficiencies that will more than fund ongoing investments that support high-value organic growth. We plan to further outline our strategic

objectives and future financial targets at our upcoming Investor Day in December.”

Simmons First National Corporation (NASDAQ: SFNC)

(Simmons or Company) today reported net income of $47.1 million for the third quarter of 2026, compared to net income of $66.7 million for the second quarter of 2026 and a net loss of $562.8 million in the third quarter of 2025.

Diluted earnings per share were $0.32 for the third quarter of 2026, compared to $0.46 for the second quarter of 2026 and $(4.00) for the third quarter of 2025. Adjusted earnings1 for the third

quarter of 2026 were $79.0 million, compared to $72.2 million for the second quarter of 2026 and $64.9 million for the third quarter of 2025. Adjusted diluted earnings per share1

for the third quarter of 2026 were $0.54, compared to $0.50 for the second quarter of 2026 and $0.46 for the third quarter of 2025.

For the third quarter

of 2026, return on average assets was 0.77 percent and return on average common equity was 5.37 percent. Adjusted return on average assets1 was 1.29 percent and adjusted return on

average tangible common equity1 was 15.50 percent.

The table below summarizes the impact of

certain items, consisting primarily of branch/real estate rightsizing costs, severance/early retirement program costs, certain professional services, accelerated prepaid expenses, loss on sale of securities and loss on early extinguishment of debt.

These items are also described in further detail in the “Reconciliation of Non-GAAP Financial Measures” tables contained in this press release.

Impact of Certain Items on Earnings and Diluted Earnings Per Share (EPS)

$ in millions, except per share data

3Q26

2Q26

3Q25

Net income (loss)

47.1

66.7

(562.8

)

Branch/real estate rightsizing costs, net

14.2

6.1

2.0

Severance/early retirement program costs

6.0

1.3

0.3

Certain professional services

17.1

—

Accelerated prepaid expenses

5.9

—

Loss on sale of securities

—

801.5

Loss on early extinguishment of debt

—

0.6

Total pre-tax impact

43.2

7.4

804.4

Tax effect

(11.3

)

(1.9

)

(176.7

)

Total impact on earnings

31.9

5.5

627.7

Adjusted earnings1, 3

79.0

72.2

64.9

Diluted EPS

0.32

0.46

(4.00

)

Branch/real estate rightsizing costs, net

0.10

0.04

0.01

Severance/early retirement program costs

0.04

0.01

—

Certain professional services

0.12

—

Accelerated prepaid expenses

0.04

—

Loss on sale of securities

—

5.70

Loss on early extinguishment of debt

—

Total pre-tax impact

0.30

0.05

5.71

Tax effect

(0.08

)

(0.01

)

(1.25

)

Total impact on earnings

0.22

0.04

4.46

Adjusted Diluted EPS1

0.54

0.50

0.46

Net Interest Income

Net

interest income for the third quarter of 2026 totaled $204.0 million, up $3.3 million, or 7 percent annualized, compared to $200.6 million for the second quarter of 2026 and up $17.3 million, or 9 percent, compared to

$186.7 million for the third quarter of 2025. The increase in net interest income on a linked quarter basis was due to a $1.4 million increase in interest income, coupled with a $2.0 million decrease in interest expense. These changes

were primarily driven by loan yields increasing as lower fixed rate loan back book repriced higher, continued optimization of funding costs, including lower customer deposit costs and utilization of FHLB advances as an alternative to higher rate

brokered deposits, and one extra day in the quarter. The increase in net interest income on a year-over-year basis was primarily due to a full quarter impact of balance sheet repositioning completed in the third quarter of 2025, along with the

previously mentioned lower fixed rate loan back book repricing and optimization of funding cost.

Net interest margin for the third quarter of 2026 on a fully taxable equivalent (FTE) basis2 was 3.92 percent, up 8 basis points compared to 3.84 percent for the second quarter of 2026 and up 42 basis points compared to 3.50 percent for the third quarter of 2025. The increase

in net interest margin on a linked quarter basis reflected an increase in loan yields, coupled with the deleveraging of the balance sheet driven by the run-off of certain lower yielding, low relationship

credits and a corresponding reduction of higher cost funding. The increase in the net interest margin on a year-over-year basis primarily reflected the full impact of the balance sheet repositioning that was completed during the third quarter of

2025 and previously mentioned optimization of loan yields and funding cost.

Select Yield/Rates

3Q26

2Q26

1Q26

4Q25

3Q25

Loan yield (FTE)2

6.20

6.15

6.16

6.23

6.31

Investment securities yield (FTE)2

4.33

4.26

4.25

4.30

4.01

Cost of interest bearing deposits

2.39

2.46

2.47

2.62

2.86

Cost of deposits

1.85

1.93

1.96

2.04

2.25

Net interest spread (FTE)2

3.35

3.26

3.27

3.18

2.86

Net interest margin (FTE)2

3.92

3.84

3.81

3.50

Noninterest Income

Noninterest income for the third quarter of 2026 was $47.2 million, compared to $47.9 million in the second quarter of 2026 and $(756.2) million in

the third quarter of 2025. Included in noninterest income in the third quarter of 2025 was a loss on the sale of securities totaling $801.5 million in connection with the balance sheet repositioning. Adjusted noninterest income1 for the third quarter of 2025 was $45.9 million. The decrease in noninterest income on a linked quarter basis was primarily due to a decrease in swap fee income and a higher positive valuation

adjustment on Small Business Investment Company (SBIC) investments in the second quarter of 2026, both of which are included in “other income” in the table below. These decreases more than offset a $1.3 million increase in service

charges on deposit accounts and a $1.2 million increase in wealth management services.

Noninterest Income

$ in millions

3Q26

2Q26

1Q26

4Q25

3Q25

Service charges on deposit accounts

13.6

12.3

12.7

13.0

Wealth management services

11.4

10.2

10.5

10.3

10.0

Debit and credit card services

8.7

9.0

8.5

8.7

8.5

Mortgage lending income

1.7

2.0

1.9

2.2

2.3

Other service charges and fees

1.5

1.6

1.5

Bank owned life insurance

4.2

3.9

Gain (loss) on sale of securities

—

(801.5

)

Other income

6.0

8.6

4.8

12.4

6.1

Total noninterest income

47.2

47.9

44.2

51.7

(756.2

)

Adjusted noninterest income1

47.2

47.9

44.2

51.7

45.9

Noninterest Expense

Noninterest expense for the third quarter of 2026 was $182.0 million, compared to $147.7 million in the second quarter of 2026 and

$142.0 million in the third quarter of 2025. Included in noninterest expense are certain items consisting of branch/real estate rightsizing costs, severance/early retirement program costs, certain professional services, accelerated prepaid

expenses and loss on early extinguishment of debt. Collectively, these items totaled $43.1 million in the third quarter of 2026, $7.4 million in the second quarter of 2026 and $2.3 million in the third quarter of 2025. Excluding these

items (which are described in the “Reconciliation of Non-GAAP Financial Measures” table below) adjusted noninterest expense1 was

$138.9 million in the third quarter of 2026, $140.3 million in the second quarter of 2026 and $139.7 million in the third quarter of 2025. The efficiency ratio for the third quarter of 2026 was 71.59 percent, compared to

58.72 percent for the second quarter of 2026 and (25.11) percent for the third quarter of 2025. The adjusted efficiency ratio1 was 53.31 percent for the third quarter of 2026, compared

to 54.26 percent for the second quarter of 2026 and 57.72 percent for the third quarter of 2025.

Noninterest Expense

$ in millions

3Q26

2Q26

1Q26

4Q25

3Q25

Salaries and employee benefits

78.1

75.6

75.9

72.9

76.2

Occupancy expense, net

11.7

14.7

12.2

11.6

12.1

Furniture and equipment

5.4

5.7

5.4

5.3

Deposit insurance

4.5

2.3

4.7

5.2

Other real estate and foreclosure expense

0.2

0.7

0.3

0.4

0.2

Other operating expenses

82.1

46.6

44.5

44.8

43.0

Total noninterest expense

182.0

147.7

140.7

139.9

142.0

Adjusted salaries and employee

benefits1

72.1

74.3

75.6

72.9

75.9

Adjusted other operating expenses1

45.0

44.2

43.1

44.0

41.5

Adjusted noninterest expense1

138.9

140.3

140.6

138.6

139.7

Efficiency ratio

71.59

58.72

57.56

55.52

(25.11

Adjusted efficiency ratio1

53.31

54.26

56.16

53.64

57.72

Full-time equivalent employees

2,712

2,909

2,913

2,917

2,883

Number of financial centers

220

221

222

223

Loans and Unfunded Loan Commitments

Total loans at the end of the third quarter of 2026 were $17.5 billion, compared to $18.1 billion at the end of the second quarter of 2026 and

$17.2 billion at the end of the third quarter of 2025. The decrease in total loans on a linked quarter basis reflected higher levels of paydowns, early payoffs, and continued focus on profitability and relationship banking as we deleveraged the

balance sheet through the run-off of certain lower yielding, low relationship credits. Unfunded commitments at the end of the third quarter of 2026 were $4.4 billion, relatively unchanged from second

quarter 2026 levels and up from $4.0 billion at the end of the third quarter of 2025. The commercial loan pipeline totaled $1.3 billion at the end of the third quarter of 2026, and ready-to-close commercial loans totaled $455 million with a weighted average rate of 6.78 percent.

Loans and Unfunded Loan Commitments

$ in millions

3Q26

2Q26

1Q26

4Q25

3Q25

Total loans

17,465

18,062

17,933

17,492

17,189

Unfunded loan commitments

4,356

4,384

4,068

3,871

3,955

Deposits and Other Borrowings

Total deposits at the end of the third quarter of 2026 were $18.6 billion, compared to $19.7 billion at the end of the second quarter of 2026 and

$19.8 billion at the end of the third quarter of 2025. Noninterest bearing deposits totaled $4.3 billion at the end of the third quarter of 2026, compared to $4.4 billion at the end of both the second quarter of 2026 and the third

quarter of 2025. Interest bearing deposits at the end of the third quarter of 2026 totaled $14.3 billion, compared to $15.4 billion at the end of the second quarter of 2026 and $15.5 billion at the end of the third quarter of 2025.

The decrease in interest bearing deposits on a linked quarter basis reflected balance sheet deleveraging of higher rate deposits, seasonal decreases in public fund deposits and a reduction in the utilization of brokered deposits given pricing

relative to FHLB advances. The decrease in total deposits on a year-over-year basis primarily reflected a decrease in time deposits, coupled with a decrease in brokered deposits.

Other borrowings at the end of the third quarter of 2026 were $1.4 billion, compared to $941.3 million at the end of the second quarter of 2026 and

$18.8 million at the end of the third quarter of 2025. The increase in other borrowings on a linked quarter and year-over-year basis reflected increased utilization of short-term FHLB advances given favorable pricing.

Deposits

$ in millions

3Q26

2Q26

1Q26

4Q25

3Q25

Noninterest bearing deposits

4,286

4,350

4,290

4,330

4,377

Interest bearing transaction accounts

10,288

10,332

10,667

10,453

10,289

Time deposits

3,107

3,233

3,334

3,508

3,331

Brokered deposits

935

1,813

1,912

1,893

1,841

Total deposits

18,616

19,728

20,203

20,184

19,838

Noninterest bearing deposits to total deposits

Total loans to total deposits

Asset Quality

Provision

for credit losses on loans totaled $12.2 million for the third quarter of 2026, compared to $17.4 million in the second quarter of 2026 and $15.2 million in the third quarter of 2025. Net charge-offs as a percentage of average loans

for the third quarter of 2026 were 27 basis points, compared to 20 basis points in the second quarter of 2026 and 25 basis points in the third quarter of 2025. The allowance for credit losses on loans at the end of the third quarter of 2026 was

$238.5 million, compared to $238.2 million at the end of the second quarter of 2026 and $258.0 million at the end of the third quarter of 2025. The allowance for credit losses on loans as a percentage of total loans at the end of the

third quarter of 2026 was 1.37 percent, compared to 1.32 percent at the end of the second quarter of 2026 and 1.50 percent at the end of the third quarter of 2025.

Loans past due 30-89 days as a percentage of total loans were 30 basis points at the end of the third quarter of 2026,

compared to 29 basis points at the end of the second quarter of 2026 and 11 basis points at the end of the third quarter of 2025. Total nonperforming loans at the end of the third quarter of 2026 totaled $179.9 million, compared to

$166.1 million at the end of the second quarter of 2026 and $153.9 million at the end of the third quarter of 2025. The increase in nonperforming loans on a linked quarter basis reflected normal credit migration. The nonperforming loan

coverage ratio ended the third quarter of 2026 at 133 percent, compared to 143 percent at the end of the second quarter of 2026 and 168 percent at the end of the third quarter of 2025. Total nonperforming assets as a percentage of

total assets were 78 basis points at the end of the third quarter of 2026, compared to 72 basis points at the end of the second quarter of 2026 and 66 basis points at the end of the third quarter of 2025.

Asset Quality

$ in millions

3Q26

2Q26

1Q26

4Q25

3Q25

Allowance for credit losses on loans to total loans

1.37

1.32

1.28

1.50

Allowance for credit losses on loans to nonperforming loans

133

143

162

199

168

Nonperforming loans to total loans

1.03

0.92

0.79

0.64

0.90

Net charge-off ratio (annualized)

0.27

0.20

0.21

1.12

0.25

Net charge-off ratio YTD (annualized)

0.23

0.21

0.47

0.24

Loans past due 30-89 days to total loans

0.30

0.29

0.51

0.27

0.11

Total nonperforming loans

179.9

166.1

141.9

112.7

153.9

Total other nonperforming assets

7.1

11.1

12.6

12.4

6.8

Total nonperforming assets

187.0

177.2

154.5

125.1

160.7

Reserve for unfunded commitments

25.6

Capital

Total

stockholders’ equity at the end of the third quarter of 2026 was $3.3 billion, compared to $3.5 billion at the end of the second quarter of 2026 and $3.4 billion at the end of the third quarter of 2025. Book value per share at

the end of the third quarter of 2026 was $23.18, compared to $24.11 at the end of the second quarter of 2026 and unchanged from the third quarter of 2025. Tangible book value per share1 at the end

of the third quarter of 2026 was $13.52, compared to $14.42 at the end of the second quarter of 2026 and $13.45 at the end of the third quarter of 2025. The decrease in book value per share and tangible book value per share on a linked quarter basis

was primarily due to an increase in accumulated other comprehensive loss reflecting higher long-term interest rates, offset in part, by an increase in undivided profits.

Total stockholders’ equity as a percentage of total assets at the end of the third quarter of 2026 was

13.9 percent, compared to 14.1 percent at the end of the second quarter of 2026 and unchanged from the level at the end of the third quarter of 2025. Tangible common equity as a percentage of tangible assets1 was 8.6 percent at the end of the third quarter of 2026, compared to 8.9 percent at the end of the second quarter of 2026 and 8.5 percent at the end of the third quarter of 2025. Both

Simmons and its principal subsidiary, Simmons Bank, continue to maintain regulatory capital ratios significantly above “well-capitalized” regulatory guidelines.

Select Capital Ratios

3Q26

2Q26

1Q26

4Q25

3Q25

Stockholders’ equity to total assets

13.9

14.1

13.9

Tangible common equity to tangible

assets1

8.6

8.9

8.7

8.5

Common equity tier 1 (CET1) ratio

12.1

11.6

11.5

Tier 1 leverage ratio

10.4

10.2

10.1

9.6

Tier 1 risk-based capital ratio

12.1

11.6

11.5

Total risk-based capital ratio

14.8

14.4

15.1

Share Repurchase Program

During the third quarter of 2026, Simmons did not repurchase shares under its stock repurchase program that was authorized in January 2026 (2026 Program).

Remaining authorization under the 2026 Program as of September 30, 2026, was approximately $161 million. The timing, pricing and amount of any repurchases under the 2026 Program will be determined by Simmons’ management at its

discretion based on a variety of factors, including, but not limited to, market conditions, trading volume and market price of Simmons’ common stock, Simmons’ capital needs, Simmons’ working capital and investment requirements,

other corporate considerations, economic conditions, and legal requirements. The 2026 Program does not obligate Simmons to repurchase any common stock and may be modified, discontinued or suspended at any time without prior notice.

(1)

Non-GAAP measurement. See

“Non-GAAP Financial Measures” and “Reconciliation of Non-GAAP Financial Measures” below

(2)

FTE – fully taxable equivalent basis using an effective tax rate of 26.135%

(3)

In this press release, “Adjusted Earnings” may also be referred to as “Adjusted Net

Income”

Conference Call

Management will conduct a live conference call to review this information beginning at 7:30 a.m. Central Time on Friday, October 16, 2026. Interested

parties can listen to this call by dialing toll-free 1-844-481-2779 (North America only) and asking for the Simmons First

National Corporation conference call, conference ID 10212015. In addition, the call will be available live or in recorded version on Simmons’ website at simmonsbank.com for at least 60 days following the date of the call.

Simmons First National Corporation

Simmons First

National Corporation (NASDAQ: SFNC) is a Mid-South based financial holding company that has paid cash dividends to its shareholders for 117 consecutive years. Its principal subsidiary, Simmons Bank, operates

220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank offers comprehensive financial solutions delivered with a client-centric approach. Recently, Simmons Bank was recognized by Newsweek as

one of America’s Best Regional Banks and Credit Unions 2026, by Forbes as one of America’s Best-In-State Companies 2026 and by American Banker

as one of the Top Performing Banks 2026 with $10 billion to $50 billion of assets. In 2025, Simmons Bank was recognized by Newsweek as one of America’s Greatest Workplaces 2025 in Arkansas and one of America’s Best

Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by

following @Simmons_Bank on X or by visiting our newsroom.

Non-GAAP Financial Measures

This press release contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (GAAP). The

Company’s management uses these non-GAAP financial measures in their analysis of the Company’s performance. These measures adjust GAAP performance measures to, among other things, include the tax

benefit associated with revenue items that are tax-exempt, as well as exclude from net income (including on a per share diluted basis), pre-tax, pre-provision earnings, net charge-offs, income available to common shareholders, noninterest income, and noninterest expense certain income and expense items attributable to, for example, branch/real estate

rightsizing costs, severance/early retirement program costs, certain professional services, accelerated prepaid expenses, loss on sale of securities and loss on early extinguishment of debt.

In addition, the Company also presents certain figures based on tangible common stockholders’ equity,

tangible assets and tangible book value, which exclude goodwill and other intangible assets. The Company further presents certain figures that are exclusive of the impact of deposits and/or loans acquired through acquisitions, mortgage warehouse

loans, and/or energy loans, or gains and/or losses on the sale of securities. The Company’s management believes that these non-GAAP financial measures are useful to investors because they, among other

things, present the results of the Company’s ongoing operations without the effect of mergers or other items not central to the Company’s ongoing business, as well as normalize for tax effects and certain other effects. Management,

therefore, believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s

ongoing businesses, and management uses these non-GAAP financial measures to assess the performance of the Company’s ongoing businesses as related to prior financial periods. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance

measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can

be found in the tables of this release.

Forward-Looking Statements

Certain statements in this press release may not be based on historical facts and should be considered “forward-looking statements” within the

meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements, including, without limitation, statements made in Mr. Brogdon’s quote, may be identified by reference to future periods or by the use of

forward-looking terminology, such as “believe,” “budget,” “expect,” “foresee,” “anticipate,” “intend,” “indicate,” “target,” “estimate,”

“plan,” “project,” “continue,” “contemplate,” “positions,” “prospects,” “predict,” or “potential,” by future conditional verbs such as

“will,” “would,” “should,” “could,” “might” or “may,” or by variations of such words or by similar expressions. These forward-looking statements include, without limitation,

statements relating to Simmons’ future growth, business strategies, lending capacity and lending activity, loan demand, revenue, assets, asset quality, profitability, dividends, net interest margin,

non-interest revenue, share repurchase program, acquisition strategy, digital banking initiatives, the Company’s ability to recruit and retain key employees, the adequacy of the allowance for credit

losses, future economic conditions and interest rates, and the adequacy of reserve levels for loans. Any forward-looking statement speaks only as of the date of this press release, and Simmons undertakes no obligation to update these forward-looking

statements to reflect events or circumstances that occur after the date of this press release. By nature, forward-looking statements are based on various assumptions and involve inherent risk and uncertainties. Various factors, including, but not

limited to, changes in economic conditions, changes in credit quality, changes in interest rates and related governmental policies, the effects of a government shutdown, changes in loan demand, changes in deposit flows, changes in real estate

values, changes in the assumptions used in making the forward-looking statements, changes in the securities markets generally or the price of Simmons’ common stock specifically, changes in information technology affecting the financial

industry, and changes in customer behaviors, including consumer spending, borrowing, and saving habits; changes in tariff policies; general economic and market conditions; changes in governmental administrations; market disruptions including

pandemics or significant health hazards, severe weather conditions, natural disasters, terrorist activities, financial crises, political crises, war and other military conflicts (including the ongoing military conflicts in Iran and the Middle East

and between Russia and Ukraine) or other major events, or the prospect of these events; the soundness of other financial institutions and any indirect exposure related to the closings of other financial institutions and their impact on the broader

market through other customers, suppliers and partners, or that the conditions which resulted in the liquidity concerns experienced by closed financial institutions may also adversely impact, directly or indirectly, other financial institutions and

market participants with which the Company has commercial or deposit relationships; increased inflation; the loss of key employees; increased competition in the markets in which the Company operates and from

non-bank financial institutions; increased unemployment; labor shortages; claims, damages, and fines related to litigation or government actions; changes in accounting principles relating to loan loss

recognition (current expected credit losses); fraud that results in material losses or that the Company has not discovered yet that may result in material losses; the Company’s ability to manage and successfully integrate its mergers and

acquisitions and to fully realize cost savings and other benefits associated with acquisitions; increased delinquency and foreclosure rates on commercial real estate loans; significant increases in nonaccrual loan balances; cyber or other

information technology threats, attacks or events; emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action or increase cybersecurity threats; reliance on third parties for key

services; government legislation; and other factors, many of which are beyond the control of the Company, could cause actual results to differ materially from those projected in or contemplated by the forward-looking statements. In addition, there

can be no guarantee that the board of directors (Board) of Simmons will approve a quarterly dividend in future quarters, and the timing, payment,

and amount of future dividends (if any) is subject to, among other things, the discretion of the Board and may differ significantly from past dividends. Additional information on factors that

might affect the Company’s financial results is included in the Company’s Form 10-K for the year ended December 31, 2025, the Company’s Form 10-Qs

for the quarters ended March 31, 2026 and June 30, 2026, and other reports that the Company has filed with or furnished to the U.S. Securities and Exchange Commission (the SEC), all of which are available from the SEC on its website,

www.sec.gov.

FOR MORE INFORMATION CONTACT:

Ed Bilek, EVP,

Director of Investor and Media Relations

ed.bilek@simmonsbank.com

205.612.3378 (cell)

Simmons First National Corporation

Consolidated End of Period Balance Sheets

For the

Quarters Ended

(Unaudited)

SFNC

Sep 30

2026

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

($ in thousands)

ASSETS

Cash and noninterest bearing balances due from banks

415,752

377,602

342,603

380,439

377,604

Interest bearing balances due from banks and federal funds sold

343,870

211,882

205,880

331,474

266,013

Cash and cash equivalents

759,622

589,484

548,483

711,913

643,617

Interest bearing balances due from banks - time

—

100

Investment securities -

held-to-maturity

—

Investment securities -

available-for-sale

2,743,458

3,077,181

3,152,286

3,266,221

3,319,277

Mortgage loans held for sale

12,916

16,450

14,311

17,438

15,507

Assets held in trading accounts

6,874

14,541

14,543

11,685

12,695

Loans:

Loans

17,464,682

18,062,369

17,932,883

17,492,179

17,188,817

Allowance for credit losses on loans

(238,520

)

(238,227

)

(229,908

)

(224,377

)

(258,006

)

Net loans

17,226,162

17,824,142

17,702,975

17,267,802

16,930,811

Premises and equipment

542,159

552,435

557,873

561,220

568,343

Foreclosed assets and other real estate owned

7,133

11,080

12,475

12,009

6,386

Interest receivable

110,004

103,016

101,557

104,062

104,383

Bank owned life insurance

548,119

545,252

542,486

540,001

539,372

Goodwill

1,320,799

Other intangible assets

75,132

78,228

81,325

84,423

87,520

Other assets

722,103

644,108

643,570

643,204

659,352

Total assets

24,074,481

24,776,816

24,692,783

24,540,877

24,208,162

LIABILITIES AND STOCKHOLDERS’ EQUITY

Deposits:

Noninterest bearing transaction accounts

4,285,910

4,350,474

4,289,697

4,330,211

4,377,232

Interest bearing transaction accounts and savings deposits

11,005,547

11,133,265

11,311,979

11,141,169

10,932,914

Time deposits

3,324,686

4,244,371

4,601,107

4,712,658

4,527,587

Total deposits

18,616,143

19,728,110

20,202,783

20,184,038

19,837,733

Federal funds purchased and securities sold under agreements to repurchase

99,444

46,216

8,708

21,383

22,348

Other borrowings

1,365,751

941,256

446,756

302,253

18,832

Subordinated notes and debentures

301,884

312,028

315,700

317,714

648,976

Accrued interest and other liabilities

341,455

267,347

281,102

296,249

326,310

Total liabilities

20,724,677

21,294,957

21,255,049

21,121,637

20,854,199

Stockholders’ equity:

Common stock

1,445

1,444

1,451

1,448

1,447

Surplus

2,839,951

2,837,845

2,848,952

2,846,581

2,848,977

Undivided profits

953,349

937,307

901,696

864,341

817,022

Accumulated other comprehensive (loss) income

(444,941

)

(294,737

)

(314,365

)

(293,130

)

(313,483

)

Total stockholders’ equity

3,349,804

3,481,859

3,437,734

3,419,240

3,353,963

Total liabilities and stockholders’ equity

24,074,481

24,776,816

24,692,783

24,540,877

24,208,162

Page 1

Simmons First National Corporation

Consolidated Statements of Income - Quarter-to-Date

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands, except per share data)

INTEREST INCOME

Loans (including fees)

275,903

274,271

267,287

270,868

269,210

Interest bearing balances due from banks and federal funds sold

2,541

2,058

2,320

2,485

6,421

Investment securities

30,239

31,013

31,882

33,833

37,464

Mortgage loans held for sale

236

202

203

227

229

Assets held in trading accounts

124

136

122

118

TOTAL INTEREST INCOME

309,043

307,680

301,814

307,531

313,423

INTEREST EXPENSE

Time deposits

31,154

36,996

39,949

41,989

49,064

Other deposits

58,295

58,536

57,653

60,516

67,546

Federal funds purchased and securities sold under agreements to repurchase

141

426

Other borrowings

10,220

5,873

1,746

2,138

2,957

Subordinated notes and debentures

5,257

5,222

5,262

5,535

7,123

TOTAL INTEREST EXPENSE

105,067

107,053

104,646

110,235

126,762

NET INTEREST INCOME

203,976

200,627

197,168

197,296

186,661

PROVISION FOR CREDIT LOSSES

Provision for credit losses on loans

12,167

17,434

14,622

15,116

15,180

Provision for credit losses on investment securities - HTM

—

(3,214

)

TOTAL PROVISION FOR CREDIT LOSSES

12,167

17,434

14,622

15,116

11,966

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES

191,809

183,193

182,546

182,180

174,695

NONINTEREST INCOME

Service charges on deposit accounts

13,609

12,329

12,656

12,669

13,045

Debit and credit card fees

8,735

9,008

8,503

8,660

8,478

Wealth management fees

11,440

10,240

10,533

10,337

9,965

Mortgage lending income

1,668

1,994

1,854

2,232

2,259

Bank owned life insurance income

4,218

3,942

3,943

Other service charges and fees (includes insurance income)

1,509

1,551

1,606

1,503

1,474

Gain (loss) on sale of securities

—

(801,492

)

Other income

6,012

8,599

4,827

12,365

6,141

TOTAL NONINTEREST INCOME

47,191

47,939

44,197

51,708

(756,187

)

NONINTEREST EXPENSE

Salaries and employee benefits

78,077

75,590

75,885

72,924

76,249

Occupancy expense, net

11,708

14,715

12,218

11,636

12,106

Furniture and equipment expense

5,382

5,739

5,423

5,304

5,275

Other real estate and foreclosure expense

230

695

315

432

200

Deposit insurance

4,519

4,450

2,295

4,736

5,175

Other operating expenses

82,119

46,550

44,537

44,830

43,027

TOTAL NONINTEREST EXPENSE

182,035

147,739

140,673

139,862

142,032

NET INCOME (LOSS) BEFORE INCOME TAXES

56,965

83,393

86,070

94,026

(723,524

)

Provision for income taxes

9,852

16,702

17,526

15,948

(160,732

)

NET INCOME (LOSS)

47,113

66,691

68,544

78,078

(562,792

)

BASIC EARNINGS PER SHARE

0.33

0.46

0.47

0.54

(4.01

)

DILUTED EARNINGS PER SHARE

0.32

0.46

0.47

0.54

(4.00

)

Page 2

Simmons First National Corporation

Consolidated Risk-Based Capital

For the Quarters

Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands)

Tier 1 capital

Stockholders’ equity

3,349,804

3,481,859

3,437,734

3,419,240

3,353,963

Disallowed intangible assets, net of deferred tax

(1,364,874

)

(1,367,717

)

(1,370,562

)

(1,374,839

)

(1,376,255

)

Unrealized loss (gain) on AFS securities

444,941

294,737

314,365

293,130

313,483

Total Tier 1 capital

2,429,871

2,408,879

2,381,537

2,337,531

2,291,191

Tier 2 capital

Subordinated notes and debentures

301,884

312,028

315,700

317,714

648,976

Subordinated debt phase out

—

(198,000

)

Qualifying allowance for loan losses and reserve for unfunded commitments

252,179

259,618

255,537

250,006

248,710

Total Tier 2 capital

554,063

571,646

571,237

567,720

699,686

Total risk-based capital

2,983,934

2,980,525

2,952,774

2,905,251

2,990,877

Risk weighted assets

20,162,327

20,765,212

20,565,445

20,106,493

19,861,879

Adjusted average assets for leverage ratio

23,337,099

23,617,439

23,487,513

23,224,638

23,963,356

Ratios at end of quarter

Equity to assets

13.91

14.05

13.92

13.93

13.85

Tangible common equity to tangible assets

(1)

8.62

8.91

8.74

8.71

8.53

Common equity Tier 1 ratio (CET1)

12.05

11.60

11.58

11.63

11.54

Tier 1 leverage ratio

10.41

10.20

10.14

10.06

9.56

Tier 1 risk-based capital ratio

12.05

11.60

11.58

11.63

11.54

Total risk-based capital ratio

14.80

14.35

14.36

14.45

15.07

(1)

Calculations of tangible common equity to tangible assets and the reconciliations to GAAP are included in

the schedules accompanying this release.

Page 3

Simmons First National Corporation

Consolidated Investment Securities

For the Quarters

Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands)

Investment Securities - End of Period

Held-to-Maturity

U.S. Government agencies

—

Mortgage-backed securities

—

State and political subdivisions

—

Other securities

—

Total

held-to-maturity (net of credit losses)

—

Available-for-Sale

U.S. Treasury

—

U.S. Government agencies

17,708

44,425

46,329

47,172

48,355

Mortgage-backed securities

1,893,901

2,061,760

2,128,732

2,201,958

2,249,593

State and political subdivisions

751,322

865,467

838,880

859,071

845,371

Other securities

80,527

105,529

138,345

158,020

175,958

Total

available-for-sale (net of credit losses)

2,743,458

3,077,181

3,152,286

3,266,221

3,319,277

Total investment securities (net of credit losses)

2,743,458

3,077,181

3,152,286

3,266,221

3,319,277

Fair value - HTM investment securities

—

Page 4

Simmons First National Corporation

Consolidated Loans

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands)

Loan Portfolio - End of Period

Consumer:

Credit cards

167,388

174,148

172,610

175,760

173,020

Other consumer

86,552

99,117

96,387

115,472

112,335

Total consumer

253,940

273,265

268,997

291,232

285,355

Real Estate:

Construction

2,475,768

2,577,630

2,621,859

2,873,807

2,874,823

Single-family residential

2,505,437

2,564,282

2,566,162

2,607,450

2,617,849

Other commercial real estate

8,715,947

8,828,771

8,764,648

8,289,968

7,875,649

Total real estate

13,697,152

13,970,683

13,952,669

13,771,225

13,368,321

Commercial:

Commercial

2,340,957

2,516,607

2,521,440

2,382,339

2,397,388

Agricultural

447,255

426,522

333,508

306,300

353,181

Total commercial

2,788,212

2,943,129

2,854,948

2,688,639

2,750,569

Other

725,378

875,292

856,269

741,083

784,572

Total loans

17,464,682

18,062,369

17,932,883

17,492,179

17,188,817

Page 5

Simmons First National Corporation

Consolidated Allowance and Asset Quality

For the

Quarters Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands)

Allowance for Credit Losses on Loans

Beginning balance

238,227

229,908

224,377

258,006

253,537

Loans charged off:

Credit cards

1,523

1,368

1,677

1,346

1,862

Other consumer

328

350

590

550

600

Real estate

8,535

5,465

6,629

25,850

1,350

Commercial

2,663

3,520

1,666

22,004

8,079

Total loans charged off

13,049

10,703

10,562

49,750

11,891

Recoveries of loans previously charged off:

Credit cards

326

244

468

347

257

Other consumer

241

381

301

163

303

Real estate

165

151

449

105

115

Commercial

443

812

253

390

505

Total recoveries

1,175

1,588

1,471

1,005

1,180

Net loans charged off

11,874

9,115

9,091

48,745

10,711

Provision for credit losses on loans

12,167

17,434

14,622

15,116

15,180

Balance, end of quarter

238,520

238,227

229,908

224,377

258,006

Nonperforming assets

Nonperforming loans:

Nonaccrual loans

179,397

165,295

141,233

111,791

153,516

Loans past due 90 days or more

488

753

647

948

423

Total nonperforming loans

179,885

166,048

141,880

112,739

153,939

Other nonperforming assets:

Foreclosed assets and other real estate owned

7,133

11,080

12,475

12,009

6,386

Other nonperforming assets

181

323

392

Total other nonperforming assets

7,145

11,140

12,656

12,332

6,778

Total nonperforming assets

187,030

177,188

154,536

125,071

160,717

Loans past due 30-89 days (excluding nonaccrual)

51,871

52,308

91,245

47,016

19,207

Ratios

Allowance for credit losses on loans to total loans

1.37

1.32

1.28

1.50

Allowance for credit losses to nonperforming loans

133

143

162

199

168

Nonperforming loans to total loans

1.03

0.92

0.79

0.64

0.90

Nonperforming assets to total assets

0.78

0.72

0.63

0.51

0.66

Annualized net charge offs to average loans (QTD)

0.27

0.20

0.21

1.12

0.25

Annualized net charge offs to average loans (YTD)

0.23

0.21

0.47

0.24

Annualized net credit card charge offs to average credit card loans (QTD)

2.75

2.57

2.81

2.23

3.64

Loans past due 30-89 days to total loans

0.30

0.29

0.51

0.27

0.11

Page 6

Simmons First National Corporation

Consolidated - Average Balance Sheet and Net Interest Income Analysis

For the Quarters Ended

(Unaudited)

SFNC

Three Months Ended

Sep 2026

Three Months Ended

Jun 2026

Three Months Ended

Sep 2025

($ in thousands)

Average

Balance

Income/

Expense

Yield/

Rate

Average

Balance

Income/

Expense

Yield/

Rate

Average

Balance

Income/

Expense

Yield/

Rate

ASSETS

Earning assets:

Interest bearing balances due from banks and federal funds sold

246,779

2,541

4.09

199,704

2,058

4.13

566,344

6,421

4.50

Investment securities - taxable

2,163,583

24,728

4.53

2,301,053

25,472

4.44

2,751,493

29,183

4.21

Investment securities - non-taxable (FTE)

787,115

7,461

3.76

802,448

7,502

3.75

1,242,936

11,210

3.58

Mortgage loans held for sale

15,665

236

5.98

13,556

202

5.98

13,776

229

6.60

Assets held in trading accounts

12,499

124

3.94

14,731

136

3.70

11,305

3.47

Loans - including fees (FTE)

17,735,235

277,069

6.20

17,956,572

275,339

6.15

16,976,231

270,092

6.31

Total interest earning assets (FTE)

20,960,876

312,159

5.91

21,288,064

310,709

5.85

21,562,085

317,234

5.84

Non-earning assets

3,371,350

3,349,957

3,352,837

Total assets

24,332,226

24,638,021

24,914,922

LIABILITIES AND STOCKHOLDERS’ EQUITY

Interest bearing liabilities:

Interest bearing transaction and savings accounts

11,104,164

58,295

2.08

11,192,627

58,536

2.10

11,043,132

67,546

2.43

Time deposits

3,764,350

31,154

3.28

4,406,355

36,996

3.37

5,116,070

49,064

3.80

Total interest bearing deposits

14,868,514

89,449

2.39

15,598,982

95,532

2.46

16,159,202

116,610

2.86

Federal funds purchased and securities sold under agreement to repurchase

22,142

141

2.53

57,758

426

2.96

23,306

1.23

Other borrowings

1,083,796

10,220

3.74

635,693

5,873

3.71

268,278

2,957

4.37

Subordinated notes and debentures

309,678

5,257

6.73

314,108

5,222

6.67

407,922

7,123

6.93

Total interest bearing liabilities

16,284,130

105,067

2.56

16,606,541

107,053

2.59

16,858,708

126,762

2.98

Noninterest bearing liabilities:

Noninterest bearing deposits

4,262,855

4,272,088

4,369,941

Other liabilities

307,051

280,861

317,965

Total liabilities

20,854,036

21,159,490

21,546,614

Stockholders’ equity

3,478,190

3,478,531

3,368,308

Total liabilities and stockholders’ equity

24,332,226

24,638,021

24,914,922

Net interest income (FTE)

207,092

203,656

190,472

Net interest spread (FTE)

3.35

3.26

2.86

Net interest margin (FTE)

3.92

3.84

3.50

Page 7

Simmons First National Corporation

Consolidated - Selected Financial Data

For the Quarters

Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands, except share data)

QUARTER-TO-DATE

Financial Highlights - As Reported

Net Income (loss)

47,113

66,691

68,544

78,078

(562,792

)

Diluted earnings per share

0.32

0.46

0.47

0.54

(4.00

)

Return on average assets

0.77

1.09

1.13

1.28

-8.96

Return on average tangible assets (non-GAAP) (1)

0.85

1.19

1.24

1.40

-9.46

Return on average common equity

5.37

7.69

8.01

9.08

-66.29

Return on tangible common equity (non-GAAP) (1)

9.42

13.32

13.90

15.92

-113.56

Net interest margin (FTE)

3.92

3.84

3.81

3.50

Efficiency ratio (2)

71.59

58.72

57.56

55.52

-25.11

FTE adjustment

3,116

3,029

3,012

2,890

3,811

Average diluted shares outstanding

145,054,299

145,323,958

145,340,410

145,210,222

140,648,704

Shares repurchased under plan

—

662,082

—

Average price of shares repurchased

—

21.52

—

Cash dividends declared per common share

0.215

0.213

Accretable yield on acquired loans

(221

)

778

902

749

725

Financial Highlights - Adjusted (non-GAAP) (1)

Adjusted earnings

78,980

72,171

68,566

78,975

64,930

Adjusted diluted earnings per share

0.54

0.50

0.47

0.54

0.46

Adjusted return on average assets

1.29

1.17

1.13

1.29

1.03

Adjusted return on average tangible assets (non-GAAP) (1)

1.41

1.29

1.24

1.41

1.13

Adjusted return on average common equity

9.01

8.32

8.01

9.19

7.65

Adjusted return on tangible common equity

15.50

14.37

13.91

16.10

13.62

Adjusted efficiency ratio (2)

53.31

54.26

56.16

53.64

57.72

YEAR-TO-DATE

Financial Highlights - GAAP

Net Income (loss)

182,348

135,235

68,544

(397,553

)

(475,631

)

Diluted earnings per share

1.25

0.93

0.47

(2.95

)

(3.63

)

Return on average assets

1.00

1.11

1.13

-1.55

-2.44

Return on average tangible assets (non-GAAP) (1)

1.10

1.22

1.24

-1.60

-2.54

Return on average common equity

7.01

7.85

8.01

-11.45

-18.21

Return on tangible common equity (non-GAAP) (1)

12.19

13.61

13.90

-18.84

-30.13

Net interest margin (FTE)

3.86

3.84

3.32

3.17

Efficiency ratio (2)

62.70

58.15

57.56

460.26

-329.30

FTE adjustment

9,157

6,041

3,012

19,537

16,647

Average diluted shares outstanding

145,305,872

145,335,181

145,340,410

134,731,180

131,132,891

Cash dividends declared per common share

0.645

0.430

0.215

0.850

0.638

Financial Highlights - Adjusted (non-GAAP) (1)

Adjusted earnings

219,717

140,737

68,566

233,098

154,123

Adjusted diluted earnings per share

1.51

0.97

0.47

1.73

1.18

Adjusted return on average assets

1.20

1.15

1.13

0.91

0.79

Adjusted return on average tangible assets (non-GAAP) (1)

1.31

1.26

1.24

1.00

0.87

Adjusted return on average common equity

8.45

8.17

8.01

6.71

5.90

Adjusted return on tangible common equity

14.60

14.14

13.91

11.78

10.37

Adjusted efficiency ratio (2)

54.56

55.20

56.16

58.92

60.90

END OF PERIOD

Book value per share

23.18

24.11

23.70

23.62

23.18

Tangible book value per share

13.52

14.42

14.03

13.91

13.45

Shares outstanding

144,517,233

144,442,482

145,058,331

144,762,817

144,703,075

Full-time equivalent employees

2,712

2,909

2,913

2,917

2,883

Total number of financial centers

220

221

222

223

(1)

Non-GAAP measurement that management believes aids in the

understanding and discussion of results. Reconciliations to GAAP are included in the schedules accompanying this release.

(2)

Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent) and

noninterest revenues. Adjusted efficiency ratio is noninterest expense before foreclosed property expense, amortization of intangibles and certain adjusting items as a percent of net interest income (fully taxable equivalent) and noninterest

revenues, excluding gains and losses from securities transactions and certain adjusting items, and is a non-GAAP measurement.

Page 8

Simmons First National Corporation

Reconciliation Of Non-GAAP Financial Measures - Adjusted Earnings - Quarter-to-Date

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

(in thousands, except per share data)

QUARTER-TO-DATE

Net income (loss)

47,113

66,691

68,544

78,078

(562,792

)

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

FDIC Deposit Insurance special assessment

—

(1,984

)

—

Certain professional services

17,069

—

1,200

—

Severance/early retirement program costs

5,997

1,320

283

—

305

Termination of vendor and software services

—

Loss on sale of Equipment Finance business

—

1,118

—

Loss (gain) on sale of securities

—

801,492

Branch/real estate rightsizing costs, net

14,186

6,099

531

2,004

Accelerated prepaid expenses

5,889

—

Tax effect of certain items (1)

(11,274

)

(1,939

)

(318

)

(176,649

)

Certain items, net of tax

31,867

5,480

897

627,722

Adjusted earnings (non-GAAP) (2)

78,980

72,171

68,566

78,975

64,930

Diluted earnings per share

0.32

0.46

0.47

0.54

(4.00

)

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

FDIC Deposit Insurance special assessment

—

(0.01

)

—

Certain professional services

0.12

—

0.01

—

Severance/early retirement program costs

0.04

0.01

—

Termination of vendor and software services

—

Loss on sale of Equipment Finance business

—

0.01

—

Loss (gain) on sale of securities

—

5.70

Branch/real estate rightsizing costs, net

0.10

0.04

—

0.01

Accelerated prepaid expenses

0.04

—

Tax effect of certain items (1)

(0.08

)

(0.01

)

—

(0.01

)

(1.25

)

Certain items, net of tax

0.22

0.04

—

4.46

Adjusted diluted earnings per share (non-GAAP)

0.54

0.50

0.47

0.54

0.46

(1)

Actual tax rate of 21.946% on 2025 loss on sale of securities. Effective rate of 26.135% on all other items.

(2)

In this press release, “Adjusted Earnings” may also be referred to as “Adjusted Net

Income.”

Reconciliation of Certain Noninterest Income and Expense Items (non-GAAP)

QUARTER-TO-DATE

Noninterest income

47,191

47,939

44,197

51,708

(756,187

)

Certain noninterest income items

Loss on early extinguishment of debt

—

570

Loss (gain) on sale of securities

—

801,492

Adjusted noninterest income (non-GAAP)

47,191

47,939

44,197

51,708

45,875

Other income

6,012

8,599

4,827

12,365

6,141

Certain other income items

Loss on early extinguishment of debt

—

570

Adjusted other income (non-GAAP)

6,012

8,599

4,827

12,365

6,711

Noninterest expense

182,035

147,739

140,673

139,862

142,032

Certain noninterest expense items

Severance/early retirement program costs

(5,997

)

(1,320

)

(283

)

—

(305

)

FDIC Deposit Insurance special assessment

—

1,984

—

Certain professional services

(17,069

)

—

(1,200

)

—

Termination of vendor and software services

—

(12

)

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

Accelerated prepaid expenses

(5,889

)

—

Branch/real estate rightsizing costs

(14,186

)

(6,099

)

(531

)

(85

)

(2,004

)

Adjusted noninterest expense (non-GAAP)

138,894

140,320

140,643

138,647

139,723

Less: Fraud event

—

Adjusted noninterest expense, excluding fraud event

(non-GAAP)

138,894

140,320

140,643

138,647

139,723

Salaries and employee benefits

78,077

75,590

75,885

72,924

76,249

Certain salaries and employee benefits items

Severance/early retirement program costs

(5,997

)

(1,320

)

(283

)

—

(305

)

Other

—

)

Adjusted salaries and employee benefits

(non-GAAP)

72,136

74,274

75,602

72,924

75,943

Other operating expenses

82,119

46,550

44,537

44,830

43,027

Certain other operating expenses items

Certain professional services

(17,069

)

—

(1,200

)

—

Termination of vendor and software services

—

(12

)

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

Accelerated prepaid expenses

(5,889

)

—

Branch/real estate rightsizing costs

(14,174

)

(2,399

)

(205

)

327

(1,556

)

Adjusted other operating expenses (non-GAAP)

44,987

44,151

43,132

44,027

41,471

Page 9

Simmons First National Corporation

Reconciliation Of Non-GAAP Financial Measures - Adjusted Earnings - Year-to-Date

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

(in thousands, except per share data)

YEAR-TO-DATE

Net income (loss)

182,348

135,235

68,544

(397,553

)

(475,631

)

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

FDIC Deposit Insurance special assessment

(1,984

)

(1,984

)

(1,984

)

—

Certain professional services

18,269

1,200

—

Severance/early retirement program costs

7,600

1,603

283

1,899

Termination of vendor and software services

—

Loss on sale of Equipment Finance business

—

1,118

—

Loss (gain) on sale of securities

—

801,492

Branch/real estate rightsizing costs, net

20,816

6,630

531

3,246

3,161

Accelerated prepaid expenses

5,889

—

Tax effect of certain items (1)

(13,221

)

(1,947

)

(177,686

)

(177,368

)

Certain items, net of tax

37,369

5,502

630,651

629,754

Adjusted earnings (non-GAAP) (2)

219,717

140,737

68,566

233,098

154,123

Diluted earnings per share

1.25

0.93

0.47

(2.95

)

(3.63

)

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

0.01

—

FDIC Deposit Insurance special assessment

(0.01

)

(0.01

)

(0.01

)

—

Certain professional services

0.13

0.01

—

Severance/early retirement program costs

0.05

0.01

—

0.01

0.02

Termination of vendor and software services

—

Loss on sale of Equipment Finance business

—

0.01

—

Loss (gain) on sale of securities

—

5.95

6.11

Branch/real estate rightsizing costs, net

0.14

0.04

—

0.02

Accelerated prepaid expenses

0.04

—

Tax effect of certain items (1)

(0.09

)

(0.01

)

—

(1.32

)

(1.34

)

Certain items, net of tax

0.26

0.04

—

4.68

4.81

Adjusted diluted earnings per share (non-GAAP)

1.51

0.97

0.47

1.73

1.18

(1)

Actual tax rate of 21.946% on 2025 loss on sale of securities. Effective rate of 26.135% on all other items.

(2)

In this press release, “Adjusted Earnings” may also be referred to as “Adjusted Net

Income.”

Reconciliation of Certain Noninterest Income and Expense Items

(non-GAAP)

YEAR-TO-DATE

Noninterest income

139,327

92,136

44,197

(615,970

)

(667,678

)

Certain noninterest income items

Loss on early extinguishment of debt

—

570

Loss (gain) on sale of securities

—

801,492

Adjusted noninterest income (non-GAAP)

139,327

92,136

44,197

186,092

134,384

Other income

19,438

13,426

4,827

31,350

18,985

Certain other income items

Loss on early extinguishment of debt

—

570

Adjusted other income (non-GAAP)

19,438

13,426

4,827

31,920

19,555

Noninterest expense

470,447

288,412

140,673

565,063

425,201

Certain noninterest expense items

Severance/early retirement program costs

(7,600

)

(1,603

)

(283

)

(1,899

)

(1,899

)

FDIC Deposit Insurance special assessment

1,984

—

Certain professional services

(18,269

)

(1,200

)

(1,200

)

—

Termination of vendor and software services

—

(12

)

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

Accelerated prepaid expenses

(5,889

)

—

Branch/real estate rightsizing costs

(20,816

)

(6,630

)

(531

)

(3,246

)

(3,161

)

Adjusted noninterest expense (non-GAAP)

419,857

280,963

140,643

558,788

420,141

Less: Fraud event

—

(4,300

)

(4,300

)

Adjusted noninterest expense, excluding fraud event

(non-GAAP)

419,857

280,963

140,643

554,488

415,841

Salaries and employee benefits

229,552

151,475

75,885

297,859

224,935

Certain salaries and employee benefits items

Severance/early retirement program costs

(7,600

)

(1,603

)

(283

)

(1,899

)

(1,899

)

Other

—

Adjusted salaries and employee benefits

(non-GAAP)

222,012

149,876

75,602

295,960

223,036

Other operating expenses

173,206

91,087

44,537

176,184

131,354

Certain other operating expenses items

Certain professional services

(18,269

)

(1,200

)

(1,200

)

—

Termination of vendor and software services

—

(12

)

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

Accelerated prepaid expenses

(5,889

)

—

Branch/real estate rightsizing costs

(22,667

)

(2,604

)

(205

)

(1,135

)

(1,462

)

Adjusted other operating expenses (non-GAAP)

132,270

87,283

43,132

173,919

129,892

Page 10

Simmons First National Corporation

Reconciliation Of Non-GAAP Financial Measures - End of Period

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands, except per share data)

Calculation of Tangible Common Equity and the Ratio of Tangible Common Equity to

Tangible Assets

Total common stockholders’ equity

3,349,804

3,481,859

3,437,734

3,419,240

3,353,963

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(75,132

)

(78,228

)

(81,325

)

(84,423

)

(87,520

)

Total intangibles

(1,395,931

)

(1,399,027

)

(1,402,124

)

(1,405,222

)

(1,408,319

)

Tangible common stockholders’ equity

1,953,873

2,082,832

2,035,610

2,014,018

1,945,644

Total assets

24,074,481

24,776,816

24,692,783

24,540,877

24,208,162

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(75,132

)

(78,228

)

(81,325

)

(84,423

)

(87,520

)

Total intangibles

(1,395,931

)

(1,399,027

)

(1,402,124

)

(1,405,222

)

(1,408,319

)

Tangible assets

22,678,550

23,377,789

23,290,659

23,135,655

22,799,843

Ratio of common equity to assets

13.91

14.05

13.92

13.93

13.85

Ratio of tangible common equity to tangible assets

8.62

8.91

8.74

8.71

8.53

Calculation of Tangible Book Value per Share

Total common stockholders’ equity

3,349,804

3,481,859

3,437,734

3,419,240

3,353,963

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(75,132

)

(78,228

)

(81,325

)

(84,423

)

(87,520

)

Total intangibles

(1,395,931

)

(1,399,027

)

(1,402,124

)

(1,405,222

)

(1,408,319

)

Tangible common stockholders’ equity

1,953,873

2,082,832

2,035,610

2,014,018

1,945,644

Shares of common stock outstanding

144,517,233

144,442,482

145,058,331

144,762,817

144,703,075

Book value per common share

23.18

24.11

23.70

23.62

23.18

Tangible book value per common share

13.52

14.42

14.03

13.91

13.45

Calculation of Coverage Ratio of Uninsured,

Non-Collateralized Deposits

Uninsured deposits at Simmons Bank

7,223,797

7,213,361

7,385,688

9,640,677

9,565,766

Less: Collateralized deposits (excluding portion that is FDIC insured)

2,148,607

2,385,340

2,509,728

2,363,327

2,169,362

Less: Intercompany eliminations

407,004

324,404

432,795

2,729,191

2,937,147

Total uninsured, non-collateralized deposits

4,668,186

4,503,617

4,443,165

4,548,159

4,459,257

FHLB borrowing availability

4,993,000

5,412,000

5,831,000

5,999,000

6,134,000

Unpledged securities

1,091,000

1,488,000

1,571,000

1,480,000

1,575,000

Fed funds lines, Fed discount window and Bank Term Funding Program (1)

1,863,000

1,953,000

1,595,000

1,836,000

1,824,000

Additional liquidity sources

7,947,000

8,853,000

8,997,000

9,315,000

9,533,000

Uninsured, non-collateralized deposit coverage

ratio

1.7

2.0

2.1

(1)

The Bank Term Funding Program closed for new loans on March 11, 2024. At no time did Simmons borrow

funds under this program.

Page 11

Simmons First National Corporation

Reconciliation Of Non-GAAP Financial Measures -

Quarter-to-Date

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands)

Calculation of Adjusted Return on Average Assets & Average Tangible

Assets

Net income (loss)

47,113

66,691

68,544

78,078

(562,792

)

Amortization of intangibles, net of taxes

2,289

2,287

2,288

2,287

Total adjusted tangible net income (non-GAAP)

49,402

68,978

70,832

80,366

(560,505

)

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

FDIC Deposit Insurance special assessment

—

(1,984

)

—

Certain professional services

17,069

—

1,200

—

Severance/early retirement program costs

5,997

1,320

283

—

305

Termination of vendor and software services

—

Loss on sale of Equipment Finance business

—

1,118

—

Loss (gain) on sale of securities

—

801,492

Branch/real estate rightsizing costs, net

14,186

6,099

531

2,004

Accelerated prepaid expenses

5,889

—

Tax effect of certain items (1)

(11,274

)

(1,939

)

(318

)

(176,649

)

Adjusted earnings (non-GAAP)

78,980

72,171

68,566

78,975

64,930

Amortization of intangibles, net of taxes

2,289

2,287

2,288

2,287

Total adjusted tangible net income (non-GAAP)

81,269

74,458

70,854

81,263

67,217

Average total assets

24,332,226

24,638,021

24,533,005

24,254,447

24,914,922

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(77,005

)

(80,123

)

(83,248

)

(86,206

)

(89,349

)

Total average intangibles

(1,397,804

)

(1,400,922

)

(1,404,047

)

(1,407,005

)

(1,410,148

)

Average tangible assets (non-GAAP)

22,934,422

23,237,099

23,128,958

22,847,442

23,504,774

Return on average assets

0.77

1.09

1.13

1.28

-8.96

Adjusted return on average assets (non-GAAP)

1.29

1.17

1.13

1.29

1.03

Return on average tangible assets (non-GAAP)

0.85

1.19

1.24

1.40

-9.46

Adjusted return on average tangible assets

(non-GAAP)

1.41

1.29

1.24

1.41

1.13

Calculation of Return on Tangible Common Equity

Net income (loss) available to common stockholders

47,113

66,691

68,544

78,078

(562,792

)

Amortization of intangibles, net of taxes

2,289

2,287

2,288

2,287

Total income available to common stockholders

49,402

68,978

70,832

80,366

(560,505

)

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

FDIC Deposit Insurance special assessment

—

(1,984

)

—

Certain professional services

17,069

—

1,200

—

Severance/early retirement program costs

5,997

1,320

283

—

305

Termination of vendor and software services

—

Loss on sale of Equipment Finance business

—

1,118

—

Loss (gain) on sale of securities

—

801,492

Branch/real estate rightsizing costs, net

14,186

6,099

531

2,004

Accelerated prepaid expenses

5,889

—

Tax effect of certain items (1)

(11,274

)

(1,939

)

(318

)

(176,649

)

Adjusted earnings (non-GAAP)

78,980

72,171

68,566

78,975

64,930

Amortization of intangibles, net of taxes

2,289

2,287

2,288

2,287

Total adjusted earnings available to common stockholders

(non-GAAP)

81,269

74,458

70,854

81,263

67,217

Average common stockholders’ equity

3,478,190

3,478,531

3,470,260

3,410,017

3,368,308

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(77,005

)

(80,123

)

(83,248

)

(86,206

)

(89,349

)

Total average intangibles

(1,397,804

)

(1,400,922

)

(1,404,047

)

(1,407,005

)

(1,410,148

)

Average tangible common stockholders’ equity

(non-GAAP)

2,080,386

2,077,609

2,066,213

2,003,012

1,958,160

Return on average common equity

5.37

7.69

8.01

9.08

-66.29

Return on tangible common equity

9.42

13.32

13.90

15.92

-113.56

Adjusted return on average common equity

(non-GAAP)

9.01

8.32

8.01

9.19

7.65

Adjusted return on tangible common equity

(non-GAAP)

15.50

14.37

13.91

16.10

13.62

Page 12

Simmons First National Corporation

Reconciliation Of Non-GAAP Financial Measures -

Quarter-to-Date (continued)

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

Jun 30

Mar 31

Dec 31

Sep 30

2026

2025

($ in thousands)

Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)

Noninterest expense (efficiency ratio numerator)

182,035

147,739

140,673

139,862

142,032

Certain noninterest expense items (non-GAAP)

Severance/early retirement program costs

(5,997

)

(1,320

)

(283

)

—

(305

)

FDIC Deposit Insurance special assessment

—

1,984

—

Certain professional services

(17,069

)

—

(1,200

)

—

Termination of vendor and software services

—

(12

)

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

Accelerated prepaid expenses

(5,889

)

—

Branch/real estate rightsizing costs

(14,186

)

(6,099

)

(531

)

(85

)

(2,004

)

Other real estate and foreclosure expense adjustment

(230

)

(695

)

(315

)

(432

)

(200

)

Amortization of intangibles adjustment

(3,098

)

(3,097

)

(3,097

)

(3,097

)

(3,097

)

Adjusted efficiency ratio numerator

135,566

136,528

137,231

135,118

136,426

Net interest income

203,976

200,627

197,168

197,296

186,661

Noninterest income

47,191

47,939

44,197

51,708

(756,187

)

Fully tax-equivalent adjustment (2)

3,116

3,029

3,012

2,890

3,811

Efficiency ratio denominator

254,283

251,595

244,377

251,894

(565,715

)

Certain noninterest income items (non-GAAP)

Loss on early extinguishment of debt

—

570

(Gain) loss on sale of securities

—

801,492

Adjusted efficiency ratio denominator

254,283

251,595

244,377

251,894

236,347

Efficiency ratio (1)

71.59

58.72

57.56

55.52

-25.11

Adjusted efficiency ratio (non-GAAP) (1)

53.31

54.26

56.16

53.64

57.72

Calculation of Total Revenue and Adjusted Total Revenue

Net interest income

203,976

200,627

197,168

197,296

186,661

Noninterest income

47,191

47,939

44,197

51,708

(756,187

)

Total revenue

251,167

248,566

241,365

249,004

(569,526

)

Certain items, pre-tax

(non-GAAP)

Plus: Loss on early extinguishment of debt

—

570

Less: Gain (loss) on sale of securities

—

(801,492

)

Adjusted total revenue

251,167

248,566

241,365

249,004

232,536

Calculation of Pre-Provision Net Revenue

(PPNR)

Net interest income

203,976

200,627

197,168

197,296

186,661

Noninterest income

47,191

47,939

44,197

51,708

(756,187

)

Total revenue

251,167

248,566

241,365

249,004

(569,526

)

Less: Noninterest expense

182,035

147,739

140,673

139,862

142,032

Pre-Provision Net Revenue (PPNR)

69,132

100,827

100,692

109,142

(711,558

)

Calculation of Adjusted Pre-Provision Net

Revenue

Pre-Provision Net Revenue (PPNR)

69,132

100,827

100,692

109,142

(711,558

)

Certain items, pre-tax

(non-GAAP)

Plus: Loss on early extinguishment of debt

—

570

Plus: Loss (gain) on sale of securities

—

801,492

Plus: FDIC Deposit Insurance special assessment

—

(1,984

)

—

Plus: Certain professional services

17,069

—

1,200

—

Plus: Severance/early retirement program costs

5,997

1,320

283

—

305

Plus: Termination of vendor and software services

—

Plus: Loss on sale of Equipment Finance business

—

1,118

—

Plus: Branch/real estate rightsizing costs, net

14,186

6,099

531

2,004

Plus: Accelerated prepaid expenses

5,889

—

Adjusted Pre-Provision Net Revenue

112,273

108,246

100,722

110,357

92,813

(1)

Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent} and

revenues, excluding gains and losses from securities transactions and certain adjusting items, and is a non-GAAP measurement.

(2)

Actual tax rate of 21.946% on 2025 loss on sale of securities. Effective rate of 26.135% on all other items.

Page 13

Simmons First National Corporation

Reconciliation Of Non-GAAP Financial Measures -

Year-to-Date

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

2026

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

($ in thousands)

Calculation of Adjusted Return on Average Assets & Average Tangible

Assets

Net income (loss)

182,348

135,235

68,544

(397,553

)

(475,631

)

Amortization of intangibles, net of taxes

6,864

4,575

2,288

9,469

7,181

Total adjusted tangible net income (non-GAAP)

189,212

139,810

70,832

(388,084

)

(468,450

)

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

FDIC Deposit Insurance special assessment

(1,984

)

(1,984

)

(1,984

)

—

Certain professional services

18,269

1,200

—

Severance/early retirement program costs

7,600

1,603

283

1,899

Termination of vendor and software services

—

Loss on sale of Equipment Finance business

—

1,118

—

Loss (gain) on sale of securities

—

801,492

Branch/real estate rightsizing costs, net

20,816

6,630

531

3,246

3,161

Accelerated prepaid expenses

5,889

—

Tax effect of certain items (1)

(13,221

)

(1,947

)

(177,686

)

(177,368

)

Adjusted earnings (non-GAAP)

219,717

140,737

68,566

233,098

154,123

Amortization of intangibles, net of taxes

6,864

4,575

2,288

9,469

7,181

Total adjusted tangible net income (non-GAAP)

226,581

145,312

70,854

242,567

161,304

Average total assets

24,500,349

24,585,803

24,533,005

25,614,700

26,073,100

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(80,102

)

(81,677

)

(83,248

)

(90,913

)

(92,499

)

Total average intangibles

(1,400,901

)

(1,402,476

)

(1,404,047

)

(1,411,712

)

(1,413,298

)

Average tangible assets (non-GAAP)

23,099,448

23,183,327

23,128,958

24,202,988

24,659,802

Return on average assets

1.00

1.11

1.13

-1.55

-2.44

Adjusted return on average assets (non-GAAP)

1.20

1.15

1.13

0.91

0.79

Return on average tangible assets (non-GAAP)

1.10

1.22

1.24

-1.60

-2.54

Adjusted return on average tangible assets

(non-GAAP)

1.31

1.26

1.24

1.00

0.87

Calculation of Return on Tangible Common Equity

Net income (loss) available to common stockholders

182,348

135,235

68,544

(397,553

)

(475,631

)

Amortization of intangibles, net of taxes

6,864

4,575

2,288

9,469

7,181

Total income available to common stockholders

189,212

139,810

70,832

(388,084

)

(468,450

)

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

FDIC Deposit Insurance special assessment

(1,984

)

(1,984

)

(1,984

)

—

Certain professional services

18,269

1,200

—

Severance/early retirement program costs

7,600

1,603

283

1,899

Termination of vendor and software services

—

Loss on sale of Equipment Finance business

—

1,118

—

Loss (gain) on sale of securities

—

801,492

Branch/real estate rightsizing costs, net

20,816

6,630

531

3,246

3,161

Accelerated prepaid expenses

5,889

—

Tax effect of certain items (1)

(13,221

)

(1,947

)

(177,686

)

(177,368

)

Adjusted earnings (non-GAAP)

219,717

140,737

68,566

233,098

154,123

Amortization of intangibles, net of taxes

6,864

4,575

2,288

9,469

7,181

Total adjusted earnings available to common stockholders

(non-GAAP)

226,581

145,312

70,854

242,567

161,304

Average common stockholders’ equity

3,475,690

3,474,419

3,470,260

3,471,531

3,492,261

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(80,102

)

(81,677

)

(83,248

)

(90,913

)

(92,499

)

Total average intangibles

(1,400,901

)

(1,402,476

)

(1,404,047

)

(1,411,712

)

(1,413,298

)

Average tangible common stockholders’ equity

(non-GAAP)

2,074,789

2,071,943

2,066,213

2,059,819

2,078,963

Return on average common equity

7.01

7.85

8.01

-11.45

-18.21

Return on tangible common equity

12.19

13.61

13.90

-18.84

-30.13

Adjusted return on average common equity

(non-GAAP)

8.45

8.17

8.01

6.71

5.90

Adjusted return on tangible common equity

(non-GAAP)

14.60

14.14

13.91

11.78

10.37

(1)

Actual tax rate of 21.946% on 2025 loss on sale of securities. Effective rate of 26.135% on all other items.

Page 14

Simmons First National Corporation

Reconciliation Of Non-GAAP Financial Measures -

Year-to-Date (continued)

For the Quarters Ended

(Unaudited)

SFNC

Sep 30

2026

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

($ in thousands)

Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)

Noninterest expense (efficiency ratio numerator)

470,447

288,412

140,673

565,063

425,201

Certain noninterest expense items (non-GAAP)

Severance/early retirement program costs

(7,600

)

(1,603

)

(283

)

(1,899

)

(1,899

)

FDIC Deposit Insurance special assessment

1,984

—

Certain professional services

(18,269

)

(1,200

)

(1,200

)

—

Termination of vendor and software services

—

(12

)

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

Accelerated prepaid expenses

(5,889

)

—

Branch/real estate rightsizing costs

(20,816

)

(6,630

)

(531

)

(3,246

)

(3,161

)

Other real estate and foreclosure expense adjustment

(1,233

)

(1,003

)

(308

)

(1,046

)

(614

)

Amortization of intangibles adjustment

(9,292

)

(6,194

)

(3,097

)

(12,819

)

(9,722

)

Adjusted efficiency ratio numerator

409,332

273,766

137,238

544,923

409,805

Net interest income

601,771

397,795

197,168

719,203

521,907

Noninterest income

139,327

92,136

44,197

(615,970

)

(667,678

)

Fully tax-equivalent adjustment (2)

9,157

6,041

3,012

19,537

16,647

Efficiency ratio denominator

750,255

495,972

244,377

122,770

(129,124

)

Certain noninterest income items (non-GAAP)

Loss on early extinguishment of debt

—

570

(Gain) loss on sale of securities

—

801,492

Adjusted efficiency ratio denominator

750,255

495,972

244,377

924,832

672,938

Efficiency ratio (1)

62.70

58.15

57.56

460.26

-329.30

Adjusted efficiency ratio (non-GAAP) (1)

54.56

55.20

56.16

58.92

60.90

(1)

Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent) and

revenues, excluding gains and losses from securities transactions and certain adjusting items, and is a non-GAAP measurement.

(2)

Actual tax rate of 21.946% on 2025 loss on sale of securities. Effective rate of 26.135% on all other items.

Page 15

EX-99.2

Filename: d439916dex992.htm · Sequence: 3

EX-99.2

Nasdaq SFNC Exhibit 99.2 rd 3 Quarter 2026 Earnings Presentation October

15, 2026

New York City I December 10 Join President and CEO Jay Brogdon, CFO

Daniel Hobbs, and other members of the executive leadership team for an update on Simmons' strategy, financial performance and vision for the future. Attendance in person is for institutional investors and analysts, by invitation only. A live

webcast of the event and presentation materials will be available on Simmons' Investor Relations website at https://ir.simmonsbank.com. For additional information, contact Ed Bilek at investorrelations@simmonsbank.com. 2

Company Overview Simmons First National Corporation A Mid-South based

financial holding company serving our $24.1 $18.6 customers and the communities where we work and live since 1903 BILLION BILLION TOTAL ASSETS TOTAL DEPOSITS $10.8 $17.5 CONSECUTIVE YEARS 3 117 PAYING DIVIDENDS BILLION BILLION ASSETS UNDER TOTAL

LOANS MANAGEMENT/ ADMINISTRATION YEARS OF SERVICE 123 14.80% 8.62% 1 TOTAL RBC RATIO TCE RATIO FINANCIAL CENTERS 220 ACROSS SIX STATES 3.9% 94% 4 2 DIVIDEND YIELD LOAN TO DEPOSIT Top Performing Banks 2026 American Banker RATIO America’s

Best-In-State Companies 2026 Forbes America’s Best Regional Banks and Credit Unions 2026 Newsweek 1.37% 0.27% ACL TO TOTAL NET CHARGE-OFF LOANS RATIO Figures presented on this slide are as of September 30, 2026, unless otherwise noted 1

Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 3 2 Based on October 9, 2026, closing stock price of $22.18 and annualized dividend rate of $0.86 per share 3 The future payment

of dividends is not guaranteed and is subject to various factors, including approval by the Company’s board of directors 4 American Banker, top performing banks 2026 with $10 billion to $50 billion of assets

3Q26 Financial Highlights 4

3Q26 Highlights ❑ Improved profitability metrics 1 1 ─

Adjusted ROTCE of 15.50%; adjusted ROAA of 1.29% 1 Reported Adjusted 1 ─ On track to deliver expected double digit adjusted PPNR growth, up 21% year-over-year 1 ─ Adjusted efficiency ratio improved to 53.31%, down 95 bps Net income

$47.1M $79.0M ─ Year-to-date adjusted operating leverage of 13% 2 ─ Net interest margin up 8 bps to 3.92%; cost of deposits declined 8 bps EPS (diluted) $0.32 $0.54 1 ─ Adjusted noninterest expense down 4% linked quarter annualized

❑ Balance sheet deleveraging ROAA 0.77% 1.29% ─ Decrease in total loans primarily reflects the run-off of certain lower yielding, low 1 relationship credits ROTCE 9.42% 15.50% ─ Reduced utilization of higher cost funding Revenue

$251.2M $251.2M ❑ Credit quality ─ NCO ratio of 27 bps; year-to-date NCO ratio of 23 bps 1 PPNR $69.1M $112.3M ─ Provision expense exceeded net charge-offs; ACL ratio up to 1.37% ─ Loans past due 30-89 days stable at 30 bps

2 NIM 3.92% ─ Linked quarter increase in NPLs reflected normal credit migration; no concentration by industry or geographic area NCO ratio 27 bps ❑ Strong capital position ─ Utilized excess capital to fund investments in our

business and execute efficiency initiatives ACL ratio 1.37% designed to further enhance sustainable profitability and growth ─ CET1 ratio at 12.05%, up 45 bps Comparisons on this page are 3Q26 vs 2Q26, unless otherwise noted 1 Non-GAAP

measures that management believes aid in the discussion of results. See Appendix for Non-GAAP reconciliations 5 2 Net interest margin (NIM) is presented on a fully taxable equivalent (FTE) basis using an effective tax rate of 26.135%

Income Statement Highlights 2 2 Net Interest Income Adjusted Total

Revenue Adjusted PPNR $ in millions $ in millions $ in millions +8% +9% +21% $204.0 $251.2 $112.3 $249.0 $248.6 $200.6 $110.4 $108.2 $197.3 $197.2 $241.4 $100.7 $232.5 $92.8 $186.7 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26

2Q26 3Q26 1 NIM 3.50% 3.84% 3.92% 3.81% 3.84% 2 2 2 Adjusted NIE Adjusted Net Income Adjusted Diluted EPS $ in millions $ in millions +22% +17% (1)% $79.0 $79.0 $0.54 $0.54 $72.2 $68.6 $0.50 $64.9 $140.6 $0.47 $140.3 $0.46 $139.7 $138.9 $138.6 3Q25

4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 PPNR – Pre-provision net revenue NIE – Noninterest Expense 6 EPS – Earnings per Share 1 Net interest margin (NIM) is presented on a fully taxable equivalent

(FTE) basis using an effective tax rate of 26.135% 2 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations

Net Interest Margin (FTE) 1 1 Net Interest Margin Net Interest Margin

Evolution FTE (%) FTE +42 bps 3.92% 2 bps 1 bp 2 bps 3 bps 3.92% 3.84% 3.84% 3.84% 3.81% 3.50% 2Q26 Balance Funding Other 3Q26 Loan Sheet Mix Rate Yield 3Q25 4Q25 1Q26 2Q26 3Q26 Select Yields/Rates Commentary FTE (%) ❑ Balance sheet

deleveraging primarily reflects the run-off of certain lower 6.31 6.23 6.20 6.16 6.15 yielding, low relationship credits in conjunction with decreased utilization of higher cost funding 4.30 4.25 4.33 4.26 4.01 ❑ Loan yields up 5 bps linked

quarter reflects favorable back book repricing • 136 bps favorable repricing of fixed rate loans maturing vs new production (40) bps ❑ Deposit costs down 8 bps linked quarter due to reduced utilization of brokered deposits and continued

optimization of customer interest bearing deposit cost 2.25 2.04 1.96 1.93 (8) bps 1.85 3Q25 4Q25 1Q26 2Q26 3Q26 Loan Yield (FTE) Securities (FTE) Cost of Deposits 1 Net interest margin (NIM) is presented on a fully taxable equivalent (FTE) basis

using an effective tax rate of 26.135% 7

Noninterest Income 1 1 3Q26 Adjusted 3Q26 vs Adjusted 1 $ in millions

Reported 2Q26 3Q25 Adjusted Commentary Service charges on deposit accounts $ 13.6 $ 13.6 $ 1.3 10 % $ 0.6 4 % ❑ Linked quarter decrease primarily driven by: Wealth management services 11.4 11.4 1.2 12 1.5 15 • $1.7M decrease in swap fee

income driven by changes in interest rate environment and lower loan Debit and credit card services 8 .7 8.7 (0.3) (3) 0.3 3 production Mortgage lending income 1.7 1.7 (0.3) (16) ( 0.6) (26) • Decrease in “other” income primarily

due to $1.0 million decrease in SBIC valuation adjustment Bank owned life insurance 4 .2 4.2 - - 0.3 7 ❑ Offset in part by increases in: Swap fee income 0 .4 0.4 ( 1.7) (79) (0.5) (52) • $1.3M increase in service charges on deposit

accounts due to an increase in transaction volume Other service charges and fees 1.5 1.5 - ( 3) - 2 • $1.2M increase in wealth management services Other 5.6 5.6 (0.9) (14) ( 0.2) (4) driven by increased activity across the footprint primarily

due to investments in talent acquisition Total noninterest income $ 47.2 $ 47.2 $(0.7) ( 2) % $ 1.3 3 % 1 Adjusted Total Revenue Per Employee Adjusted Noninterest Income Adjusted PPNR per Avg. Diluted Share 1 1 (FTE) to Adjusted Total Revenue +17%

($ in thousands) 20.8% $0.77 $92.6 $0.76 $0.74 19.7% 19.3% $0.69 $85.4 $85.4 18.8% $0.66 $82.9 18.3% $80.7 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 Totals may not foot due to rounding FTE – Full-time

equivalent 8 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations

Noninterest Expense 1 1 3Q26 Adjusted 3Q26 vs Adjusted Commentary 1 $ in

millions 2Q26 3Q25 Reported Adjusted 1 ❑ Adjusted efficiency ratio improves 95 bps to 53.31% Salaries and employee benefits $ 78.1 $ 72.1 $(2.1) (3) % $(3.8) (5) % ❑ $43.1M of non-core, one-time charges (primarily included in

“other” expense) that are expected to Occupancy expense, net 11.7 11.6 0.6 5 - - positively impact future annual PPNR in an estimated range of $37M to $42M Furniture and equipment 5 .4 5.4 ( 0.3) (6) 0.1 2 • A portion of these

benefits are expected to fund ongoing business investments Deposit insurance 4 .5 4.5 0.1 2 (0.7) (13) • 26 branches set to close on December 4, 2026 OREO and foreclosure expense 0.2 0.2 ( 0.5) (67) - 15 • 197 FTE reduction and

elimination of 65 open positions as part of new operating model design Other 82.1 45.0 0.8 2 3.5 8 Total noninterest expense $182.0 $138.9 $(1.4) ( 1) % $(0.8) (1) % 1 Adjusted Efficiency Ratio Employees (FTE) # of Financial Centers 441 bp

improvement 223 222 221 220 220 2,917 2,913 2,909 2,883 2,712 57.72% 56.16% 54.26% 53.64% 53.31% 194 (95) bps 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 Branches Set for closure in 4Q26 Note: Numbers may not add due

to rounding FTE – full-time equivalent 9 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations

Deposits, Interest Rate Sensitivity, Hedging Program and Capital

Deposits Deposit Mix $ in billions; Period End Balances Evolution of

Funding Rates $19.8 $20.2 $20.2 $19.7 $18.6 5.0% 5.33% 9.3% 9.4% 9.2% 5.27% 9.5% 13.2% 4.66% 12.5% 13.4% 14.2% 13.8% 4.33% 4.33% 4.30% 13.5% Customer 3.90% 3.67% 3.64% 3.63% 14.7% 14.0% 13.2% 3.53% 3.52% 13.3% 3.28% Deposits 3.05% 2.97% 2.86% 2.62%

2.47% 2.46% 2.39% 95.0% 45.3% 41.4% 41.7% 2.79% 2.79% 41.8% 41.8% 2.60% 2.44% 2.36% 2.25% 2.04% 1.96% 1.93% 1.85% Interest Bearing Deposits Cost of Deposits Avg Fed Funds Rate 23.0% 22.1% 21.5% 21.2% 22.1% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26

2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 Noninterest Bearing Interest Bearing Transaction Accounts Time Deposits Public Funds (interest bearing) Brokered Deposits 1 Linked Quarter Deposit Change Commentary $ in millions; Period End Balances ❑ Grew

core customer transaction account balances by $173M; improved customer deposit mix Total Deposits $(1,112) ❑ Brokered deposits declined due to deleveraging balance sheet and further Noninterest Bearing Transaction Accounts $(36) $173M net

growth utilization of FHLB given relative favorable pricing customer NIB/IB Interest Bearing Transaction and Savings Accounts $209 ❑ Public funds decline reflects normal seasonality deposits Time Deposits $(109) ❑ Continued to

effectively manage deposit costs, reflected by 8 bps decrease on a linked quarter basis Public Funds (interest bearing) $(270) ❑ Decrease in time deposits reflects continued, planned run-off of non- relationship CDs or subsequent reinvestment

into lower cost deposits Brokered (MM & CDs) and Other Non-Customer Deposits $(906) Totals may not add due to rounding Source: Average Fed Funds rate based on data from www.macrotrends.net 11 1 Linked quarter change is 3Q26 vs 2Q26

Interest Rate Sensitivity CD Maturities (over the next 12 months) Loan

Portfolio – Repricing and Maturity (contractual) $ in millions At September 30, 2026 $ in millions Weighted Average Rates Repricing Term Rate Structure 3 mo 3-12 1-3 3-5 Over 5 3.41% 3.86% 3.12% 3.71% 2.89% 3.00% Total Variable Fixed or less

mo years years years $1,702.0 RE - Construction $ 2,212.3 $ 131.4 $ 66.9 $ 60.3 $ 4.9 $ 2,475.8 $ 2,115.1 $ 360.7 RE - Commercial 5,145.4 1,152.9 1,255.7 746.5 415.4 8,715.9 4,873.4 3,842.5 RE - Single-Family 727.0 355.6 452.4 351.5 618.9 2,505.4

1,402.0 1,103.4 $726.7 Commercial (C&I) 1,622.8 124.4 261.1 260.9 71.8 2,341.0 1,585.5 755.4 $327.8 $218.9 $128.7 $88.8 Consumer 192.9 12.1 34.2 7.2 7.5 253.9 185.7 68.3 1 Other 669.6 26.8 52.0 36.3 387.9 1,172.6 659.7 512.9 4Q26 1Q27 2Q27 3Q27

Total $ 10,570.1 $ 1,803.2 $ 2,122.3 $ 1,462.7 $ 1,506.4 $ 17,464.7 $ 10,821.4 $ 6,643.3 Customer CDs Brokered CDs 2 6.70% 5.33% 6.19% 6.42% 4.85% 6.30% 6.72% 5.65% Weighted average rate Note: Weighted average rates in the table above are based on

contractual repricing and maturity. Does not include the impact of Hedging Program summarized on Slide 13 Balance Sheet Interest Rate Sensitivity Over the next 12 months (estimated) Additional Interest Rate Sensitivity Factors Change in Interest

Rates % Impact on Net Interest Income 3 ❑ ~$95 million of projected securities principal maturities per quarter Up 25 bps 0.3% ❑ ~$2.1 billion of loans with a weighted average rate of less than 4% repricing over the next three years;

~$1.5 billion of which reprices in the next twelve months 4 ❑ ~26% of customer interest bearing deposits are tied to index rates, principally Fed Funds target rate Up 50 bps 0.5% Up 75 bps 0.8% Assumes an immediate, parallel change in

interest rates and static balance sheet as of September 30, 2026. Totals may not add due to rounding 1 Other includes agriculture, mortgage warehouse and other loans 12 2 Weighted average rates do not include mortgage warehouse and credit card

portfolios 3 Projections over the next 12 months assuming a static balance sheet as of September 30, 2026 4 Customer interest bearing deposits includes savings, money market, checking and customer CDs. Does not include brokered deposits

Hedging Program 1 Estimated Future Hedging Income $ in millions; Based

on forward rates Hedging Program Update ❑ Added $550 million of 3-year receive fixed swaps during 3Q26 as a hedge to variable rate loans $4.3 • Strategic and financially attractive opportunity to add down rate protection • $100

million of receive fixed swaps matured during 3Q26 $3.6 $3.1 $3.0 $2.9 ❑ Net interest income sensitivity remains slightly asset sensitive • Hedging strategy designed to manage interest rate risk position to slightly asset sensitive

❑ Hedging income of $5.9 million in 3Q26 4Q26 1Q27 2Q27 3Q27 4Q27 $ in Millions Quarterly Average (Notional) Annual Average (Notional) Hedged Item Quarter Initiated Rate Protection 3Q26 4Q26 1Q27 2Q27 3Q27 4Q27 2027 2028 2029 2030 Variable

rate loans 3Q25 Down rate $ 1 ,309.0 $ 1,550.0 $ 1,550.0 $ 1,550.0 $ 1 ,550.0 $ 1,550.0 $ 1 ,550.0 $ 1 ,450.1 $ 522.2 $ - Variable rate CMBS 3Q25 Down rate 260.9 200.0 200.0 200.0 123.9 - 130.4 - - - Subordinated debt 3Q25 Down rate 325.0 325.0

325.0 325.0 325.0 325.0 325.0 325.0 325.0 244.0 Fixed rate munis 3Q21 Up rate 1,001.7 1,001.7 1,001.7 1,001.7 1,001.7 1,001.7 1,001.7 937.2 54.2 - Net Asset Swap Position (down rate - up rate) $ 893.1 $ 1,073.3 $ 1,073.3 $ 1 ,073.3 $ 997.2 $ 873.3 $

1 ,003.7 $ 837.9 $ 793.0 $ 244.0 Quarterly Fixed Rate Annual Fixed Rate Hedged Item Receive Pay 3Q26 4Q26 1Q27 2Q27 3Q27 4Q27 2027 2028 2029 2030 Variable rate loans Fixed SOFR based 3.40% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.54% 3.71% - Variable

rate CMBS Fixed SOFR based 3.53% 3.07% 3.07% 3.07% 3.07% - 3.07% - - - Subordinated debt Fixed SOFR based 3.56% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% Fixed rate munis Fed effective Fixed 1.21% 1.21% 1.21% 1.21% 1.21% 1.21% 1.21%

1.21% 1.22% - Totals may not add due to rounding 1 Estimated swap income based on implied forward rates as of September 30, 2026. Does not include potential impact of hedge ineffectiveness that is recorded in interest income. 13

Capital: Focused on maintaining a strong capital position 1 Tangible

Common Equity Ratio Regulatory Capital Ratios Commentary 10.06% 10.20% 10.41% 10.14% 9.56% +21 ▪ Clear capital priorities bps 8.91% 1. Organic growth + self funding of attractive 8.74% 8.71% 8.62% 5.0% business investments 8.53% 2. 117-year

consecutive dividend history 9.30.25 12.31.25 3.31.26 6.30.26 9.30.26 Leverage Ratio 3. Opportunistic share repurchases 12.05% 11.54% 11.63% 11.58% 11.60% +45 ▪ No shares repurchased in 3Q26 bps ❑ Excess capital utilized for business

6.5% investments designed to further enhance sustainable performance 9.30.25 12.31.25 3.31.26 6.30.26 9.30.26 ❑ Remaining authorization of $161 million 9.30.25 12.31.25 3.31.26 6.30.26 9.30.26 CET1 Ratio under current share repurchase program

Tangible Common Equity Ratio as of September 30, 2026 ▪ Linked quarter TCE decline driven by change in AOCI given 14.80% 15.07% 14.45% 14.36% 14.35% higher long-term interest rates +45 bps 10.0% 9.30.25 12.31.25 3.31.26 6.30.26 9.30.26 Total

Capital Ratio Regulatory well capitalized requirement 1 Non-GAAP measures that management believes aid in the discussion of results. See Appendix for Non-GAAP reconciliations 14

Loan Portfolio and Credit Quality 15

Loans: Well-diversified, granular portfolio and conservative credit

culture Loan Portfolio Waterfall Linked Quarter Change by Loan Type $ in millions $ in millions Total Loans $(597) $2,312 $18,062 RE – Commercial $(113) $17,465 $(2,763) $(146) RE – Construction $(102) 1 Funded loans Paydowns/ Other

/advances payoffs Commercial (C&I) $(176) RE – Single Family $(59) Consumer & Other $(8) Agricultural $21 Total loans Total loans Mortgage Warehouse $(160) at 6/30/26 at 9/30/26 Commentary Unfunded Commitments $ in millions ❑

Decrease in loan portfolio reflects: RE - Construction C&I RE - Single Family RE - Commercial Agriculture Consumer/Other • Deleveraging of balance sheet through the run-off of certain lower yielding, low relationship credits $4,384 $4,356

$4,068 $3,955 $3,871 • Highest level of paydowns in more than 2 years reflecting early payoffs and maturity vintages • Decrease in C&I portfolio reflects $153M expected paydown from three fully-banked 94% variable rate relationships

• 55% tied to Prime • 45% tied to SOFR • Mortgage warehouse decline reflects higher rate environment ❑ Well-diversified, granular portfolio with no significant industry or geographic concentrations 3Q25 4Q25 1Q26 2Q26 3Q26

❑ Minimal exposure to Shared National Credits (SNC) at ~1% of total loans 1 “Other” includes linked quarter change associated with loan portfolios impacted by seasonality (agricultural, mortgage warehouse and credit cards)

Pipelines: Solid supply of opportunities that meet disciplined credit

appetite and pricing Commercial Loan Pipeline by Category $ in millions Opportunity Proposal Ready to Close $1,815 $1,631 $1,611 $1,559 $1,538 Commentary $1,428 $757 $1,256 $490 ❑ Maintaining prudent underwriting standards and pricing $564

$374 $651 discipline $774 $455 ❑ $455 million of ready to close loans in the commercial $196 $249 $292 $436 1 pipeline as of September 30, 2026, with a rate of 6.78% $217 $95 $105 ❑ Mortgage loan originations in 3Q26 ❑ 83%

purchase ❑ 17% refinance $809 $775 $685 $659 $691 $858 $706 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Rate Ready to 7.39% 7.35% 7.19% 6.53% 6.40% 6.73% 6.78% 1 Close Mortgage Loan Volume $ in millions Mortgage Closed Loan Volume Mortgage Pipeline

Volume $31 $33 $27 $29 $25 $21 $32 $110 $108 $96 $90 $91 $84 $69 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 1 Rate ready to close represents the weighted average rate on commercial loans that are ready to close and does not include fees, including FAS 91

fees, associated with those commercial loans 17

Loans: Conservative LTVs underpin prudent underwriting standards in key

sectors Office (non-owner occupied permanent) Key Statistics At 9/30/26 Loan Portfolio – Geographic diversification By State By State NPL Ratio 0.33% 14% 1% Past Due 30+ Days 0.05% 1% 16% Average Loan Size $3.4M 8% 32% 50% 2% Median Loan Size

$0.5M $1.1B 2% Number of Loans <$1M 61% 13% 4% 1 Average LTV 45.0% $17.0B 9% 13% Weighted Average LTV 55.0% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Multifamily (permanent) Key Statistics At 9/30/26 14% 21% By State 7% 6% NPL Ratio

0.95% Texas Arkansas Tennessee Missouri 3% Past Due 30+ Days 2.22% 39% Oklahoma Kansas Florida Other 4% Average Loan Size $2.5M $0.7B Median Loan Size $0.5M 17% % of Total % of Total Top 10 MSAs Number of Loans <$1M 70% 1 1 Loans Commitments 24%

Average LTV 49.9% Houston-Pasadena-The Woodlands 8.6% 8.5% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Weighted Average LTV 60.2% Dallas-Plano-Irving 8.1% 8.2% Little Rock-North Little Rock-Conway 6.7% 7.3% Retail (non-owner occupied

permanent) Key Statistics At 9/30/26 Nashville-Davidson-Murfreesboro 5.5% 5.7% By State NPL Ratio 0.62% 14% Memphis 4.5% 4.3% 1% Past Due 30+ Days 0.01% Fort Worth-Arlington 3.9% 3.9% 5% 47% Average Loan Size $1.9M Fayetteville-Springdale-Rogers

3.5% 3.9% 6% $1.0B Median Loan Size $1.0M Kansas City 2.1% 2.7% Number of Loans <$1M 50% 13% St. Louis 2.5% 2.2% Average LTV 46.6% Austin-Round Rock-San Marcos 2.4% 2.6% 14% Weighted Average LTV 54.3% Texas Arkansas Tennessee Missouri Oklahoma

Kansas Other Data shown above as of September 30, 2026 1 Total loans or commitments excluding credit card portfolio and mortgage warehouse 18

CLD: Quick recycling of capital given short duration of portfolio

Construction and Land Development (CLD) By State % of Total % of Total Key Statistics At 9/30/26 Top 10 MSAs Loans Commitments NPL Ratio 2.18% Houston-Pasadena-The Woodlands 11.5% 12.1% 20% Past Due 30+ Days 0.07% Dallas-Plano-Irving 9.3% 10.9% 40%

Average Loan Size $1.4M Nashville-Davidson-Murfreesboro 9.1% 8.0% Median Loan Size $0.3M 9% Phoenix-Mesa-Glendale 7.1% 5.7% $2.5B Number of Loans <$1M 82% Austin-Round Rock-San Marcos 6.5% 5.2% 2% Average LTV 55.0% Fayetteville-Springdale-Rogers

5.2% 5.4% 4% Weighted Average LTV 52.8% Fort Worth-Arlington 4.9% 4.7% Weighted Average Maturity ~19 months 13% 12% Little Rock-North Little Rock-Conway 4.7% 4.8% Texas Arkansas Tennessee Missouri Jacksonville, FL 3.4% 3.6% Oklahoma Florida Other

Kansas City, MO-KS 2.3% 2.9% CLD - Industrial Warehouse (non-owner occupied) CLD - Multifamily By State By State Key Statistics At 9/30/26 Key Statistics At 9/30/26 NPL Ratio 0.00% NPL Ratio 0.00% 25% Texas 15% 53% Past Due 30+ Days 0.00% Texas Past

Due 30+ Days 0.00% 36% Arkansas Average Loan Size $16.5M Tennessee Average Loan Size $10.4M 15% Tennessee $0.6B $0.4B Median Loan Size $7.5M Missouri Median Loan Size $4.0M 19% Florida Number of Loans <$1M 26% Florida 6% Number of Loans <$1M

42% Other 10% Average LTV 50.3% Other Average LTV 42.5% 11% 10% Weighted Average LTV 49.5% Weighted Average LTV 45.5% Weighted Average Maturity ~16 months Weighted Average Maturity ~16 months Data shown above as of September 30, 2026 19

Loans: Loan portfolio by type and key credit metrics as of June 30,

2026 as of September 30, 2026 % of % of Past Due 30+ Unfunded Unfunded Balance Total Balance Total Days Classified Nonperforming Commitment ACL Commitment $ in millions $ Loans $ Loans $ $ $ $ % Reserve Total Loan Portfolio Credit Card 174 1% 167 1%

3 1 1 - 1.47% - Consumer – Other 99 1% 87 - - - - 42 3.63% 0.46% Real Estate – Construction 2,578 14% 2,476 14% 2 58 54 1,836 2.28% 1.00% Real Estate – Commercial 8,829 49% 8,716 50% 21 248 57 321 1.13% 0.30% Real Estate –

Single-family 2,564 14% 2,505 14% 19 56 47 342 1.63% 0.83% Commercial (C&I) 2,517 14% 2,341 13% 7 51 19 1,667 1.30% 0.17% Mortgage Warehouse 435 2% 275 2% - - - - 0.20% - Agriculture 426 2% 447 3% - 1 1 132 0.78% 0.21% Other 440 3% 451 3% - 1 1

16 0.61% 0.17% Total Loan Portfolio 18,062 100% 17,465 100% 52 416 180 4,356 1.37% 0.59% Loan Concentration (Holding Company Level) C&D 86% 83% CRE 280% 273% Select Loan Categories Retail 1,220 7% 1,200 7% - 12 7 172 0.75% 0.45% Nursing /

Extended Care 158 1% 137 1% - 46 1 - 9.87% 0.02% Healthcare 549 3% 516 3% 1 7 3 114 1.00% 0.49% Multifamily 1,528 8% 1,349 8% 2 26 7 550 2.17% 0.39% Hotel 969 5% 1,074 6% 9 25 3 190 0.91% 0.95% Restaurant 575 3% 562 3% 1 15 15 47 1.09% 0.63% NOO

Office 1,188 7% 1,211 7% 1 60 12 71 2.12% 0.81% NOO Industrial Warehouse 1,541 9% 1,476 8% - 11 - 492 0.31% 0.19% 1 Non-Depository Financial Institutions (NDFI) 835 5% 695 4% - 1 1 240 0.40% 0.07% 1 NDFI includes mortgage warehouse disclosed in the

Total Loan Portfolio table above 20

Credit Quality ACL and ACL to Total Loans Credit Quality Commentary $

in millions 1.75% $275.0 ❑ Year-to-date net charge-offs of 23 bps 1.50% 1.55% 1.37% ❑ Provision expense exceeded net charge-offs by $14.1M on a YTD basis for 2026 1.32% 1.28% 1.28% 1.35% $250.0 $258.0 ❑ ACL to total loans up to

1.37% at end of 3Q26 1.15% $238.5 $238.2 $225.0 ❑ Loans past due 30-89 stable at 30 bps 0.95% $229.9 $224.4 0.75%❑ Top 10 NPLs total $89.7 million with specific reserves of $14.1 million $200.0 ▪ Linked quarter increase in NPLs

reflects normal credit migration 0.55% ▪ No specific concentration by sector or geographic market 0.35% $175.0 ❑ Moody’s September 30, 2026, Economic Scenario 0.15% ▪ Baseline (80%); S1 (10%); S3 (10%) – weightings

consistent with prior quarter $150.0 -0.05% 3Q25 4Q25 1Q26 2Q26 3Q26 ACL ACL to Total Loans Provision and Net Charge-Offs Reserve for Unfunded Commitments For the nine months ended September 30, 2026 $ in millions $ in millions $50.0 1.00% $44.2

0.80% 0.66% 0.65% 0.63% 0.59% 0.58% $30.1 0.60% $25.0 $25.6 $25.6 $25.6 $25.6 $25.6 0.40% YTD Net Charge-Offs 0.20% 23 bps $0.0 0.00% 3Q25 4Q25 1Q26 2Q26 3Q26 Unfunded Commitment Reserve Reserve to Unfunded Commitments Net Charge-Offs YTD Provision

For Credit Losses YTD YTD – year to date 21

Credit Quality Top 10 Nonperforming Loans Industry Outstanding Specific

Reserve % Credit Quality Metrics 1 1-4 Family Commercial CLD $36.1M 14% 1.03% 2 CLD – NOO Office $8.3M 22% 0.92% 0.90% 0.79% 3 CRE – Owner Occupied/C&I $7.7M - 0.78% 0.72% 0.66% 0.64% 0.63% 4 Multifamily $6.6M 15% 50% 5 1-4 Family

Rental Real Estate $6.1M 19% 0.51% of total 0.51% NPLs 6 1-4 Family Rental Real Estate $5.9M 9% 0.30% 0.29% 0.27% 7 CRE – NOO Other $5.6M 11% 0.11% 3Q25 4Q25 1Q26 2Q26 3Q26 8 CRE – NOO Retail $4.7M 19% NPL to Loans NPA to Assets Past Due

30-89 to Loans 9 C&I/1-4 Family CLD $4.5M 47% 10 CRE – NOO Other $4.2M 16% Classified Loans Criticized Loans $ in millions $ in millions $500.0 $800.0 $775.0 3.89% 2.50% $750.0 $475.0 2.38% $725.0 3.50% 2.50% 2.24% 2.22% $700.0 3.28%

$450.0 $675.0 3.13% 2.00% $650.0 2.90% $425.0 $625.0 $668.2 $430.3 $600.0 $400.0 $575.0 $415.6 $612.5 2.50% $550.0 $588.5 $398.1 $375.0 $525.0 $392.3 $500.0 $546.2 $523.2 $475.0 $350.0 $361.1 $450.0 $425.0 $325.0 $400.0 $375.0 $300.0 $350.0 $325.0

$275.0 $300.0 $275.0 $250.0 0.00% $250.0 0.00% 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 Classified Loans % of Total Loans Criticized Loans % of Total Loans 22

Forward-Looking Statements and Non-GAAP Financial Measures

Forward-Looking Statements. Certain statements by Simmons First National Corporation (the “Company”, which where appropriate includes the Company’s wholly-owned banking subsidiary, Simmons Bank) contained in this presentation may

not be based on historical facts and should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may be identified by reference to a future period(s) or

by the use of forward- looking terminology, such as anticipate, “believe,” “continue,” estimate, expect, foresee,“ “indicate,” “plan,” “potential,” “project,”

“set,” “target,” may, might, will, would, could,“ “should,” “likely” or intend, future or conditional verb tenses, and variations or negatives of such terms or by similar expressions. These

forward-looking statements include, without limitation, statements relating to the Company’s future growth (including, among other things, expected pre-provision net revenue growth during 2026); business strategies; product development;

revenue; expenses (including interest expense and non-interest expenses); assets; loan demand (including loan growth, loan capacity, and other lending activity); deposit levels; dividends; asset quality; profitability; earnings; critical accounting

policies; net interest margin; noninterest income; the Company's common stock repurchase program; adequacy of the allowance for credit losses; income tax deductions; credit quality; level of credit losses from lending commitments; interest rate

sensitivity (including, among other things, the potential impact of rising rates); loan loss experience; liquidity; capital resources; future economic conditions and market risk; interest rates; the Company’s securities portfolio; legal and

regulatory limitations and compliance and competition; anticipated loan principal reductions; projections regarding loan repricing; the estimated PPNR benefit, the closure of 26 branches on December 4, 2026, and the intended operating-model changes

set forth on slide 9; the interest rate sensitivity estimates and projections set forth on slide 12; and the estimates related to the hedging program (including estimated future swap income) set forth on slide 13. Readers are cautioned not to place

undue reliance on the forward-looking statements contained in this presentation in that actual results could differ materially from those indicated in or implied by such forward-looking statements due to a variety of factors. These factors include,

but are not limited to, changes in the Company's operating or expansion strategy; the availability of and costs associated with obtaining adequate and timely sources of liquidity; changes in credit quality; changes in general market and economic

conditions; increased unemployment; labor shortages; possible adverse rulings, judgments, fines, settlements and other outcomes of pending or future litigation; the ability of the Company to collect amounts due under loan agreements; significant

increases in nonaccrual loan balances; changes in consumer preferences and loan demand; the effectiveness of the Company's interest rate risk management strategies; laws and regulations affecting financial institutions in general or relating to

taxes; the effect of pending or future legislation; changes in governmental administrations; the ability of the Company to repurchase its common stock on favorable terms; the ability of the Company to successfully manage and implement its

acquisition strategy and integrate acquired institutions; changes in tariff policies; difficulties and delays in integrating an acquired business or fully realizing cost savings and other benefits of mergers and acquisitions; changes in interest

rates, deposit flows, real estate values, and capital markets; increased inflation; customer acceptance of the Company's products and services and changes in customer behaviors; changes or disruptions in technology and IT systems (including cyber or

other information technology threats, attacks and events); emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action or increase cybersecurity threats; changes in accounting

principles relating to loan loss recognition (current expected credit losses, or CECL); fraud that results in material losses or that we have not discovered yet that may result in material losses; the benefits associated with the Company’s

early retirement program; pandemics or significant health hazards, severe weather conditions, natural disasters, terrorist activities, political crises, war, and other military conflicts (including the ongoing military conflicts in Iran and the

Middle East and between Russia and Ukraine) or other major events, or the prospect of these events; increased competition in the markets in which the Company operates and from non-bank financial institutions; changes in governmental policies; the

effects of a government shutdown; loss of key employees; reliance on third parties for key services; the soundness of other financial institutions and any indirect exposure related to the closings of other financial institutions and their impact on

the broader market through other customers, suppliers and partners, or that the conditions which resulted in the liquidity concerns experienced by closed financial institutions may also adversely impact, directly or indirectly, other financial

institutions and market participants with which the Company has commercial or deposit relationships; increased delinquency and foreclosure rates on commercial real estate and other loans; and other risk factors. Other relevant risk factors are

detailed in the Company’s Form 10-K for the year ended December 31, 2025, Form 10-Qs for the quarters ended March 31, 2026 and June 30, 2026, and other reports that the Company has filed with or furnished to the U.S. Securities and Exchange

Commission (the “SEC”), all of which are available from the SEC on its website, www.sec.gov. In addition, there can be no guarantee that the board of directors (“Board”) of the Company will approve a quarterly dividend in

future quarters, and the timing, payment, and amount of future dividends (if any) is subject to, among other things, the discretion of the Board and may differ significantly from past dividends. Further, the timing, pricing and amount of any

repurchases under the Company’s stock repurchase program will be determined by Simmons’ management at its discretion based on a variety of factors including, but not limited to, market conditions, trading volume and market price of

Simmons’ common stock, Simmons’ capital needs, Simmons’ working capital and investment requirements, other corporate considerations, economic conditions, and legal requirements. The stock repurchase program does not obligate

Simmons to repurchase any common stock and may be modified, discontinued or suspended at any time without prior notice. Any forward-looking statement speaks only as of the date of this presentation, and the Company undertakes no obligation to update

these forward- looking statements to reflect events or circumstances that occur after the date of this presentation. Annualized, quarterized, pro forma, projected and estimated numbers are used for illustrative purpose only, are based on

hypothetical assumptions that may not accurately reflect future incomes, are not forecasts and are not guaranteed and may differ significantly from actual results. The Company references certain market, industry, and demographic data and other

statistical information in this presentation. The Company has obtained this data and information from various independent, third-party industry sources and publications. Nothing in the data or information used or derived from third-party sources

should be construed as advice. We believe that these external sources and estimates are reliable but have not independently verified them. Non-GAAP Financial Measures. This presentation contains financial information determined by methods other than

in accordance with U.S. generally accepted accounting principles (“GAAP”). The Company’s management uses these non-GAAP financial measures in their analysis of the Company’s performance and capital adequacy. These measures

adjust GAAP performance measures to, among other things, include the tax benefit associated with revenue items that are tax-exempt, as well as exclude from net income (including on a per share diluted basis), pre-tax, pre-provision earnings, net

charge-offs, income available to common shareholders, non-interest income, and non-interest expense certain income and expense items attributable to, for example, branch/real estate rightsizing costs, severance/early retirement program costs,

certain professional services accelerated prepaid expenses, loss on sale of securities and loss on early extinguishment of debt. In addition, the Company also presents certain figures based on tangible common stockholders’ equity, tangible

assets and tangible book value, which exclude goodwill and other intangible assets, and presents certain other figures to include the effect that accumulated other comprehensive income could have on the Company’s capital levels. The Company

further presents certain figures that are exclusive of the impact of deposits and/or loans acquired through acquisitions, mortgage warehouse loans, and/or energy loans, or gains and/or losses on the sale of securities. The Company’s management

believes that these non-GAAP financial measures are useful to investors because they, among other things, present the results of the Company’s ongoing operations without the effect of mergers or other items not central to the Company’s

ongoing business, present the Company’s capital inclusive of the potential impact of AOCI (primarily comprised of unrealized losses on securities), as well as normalize for tax effects and certain other effects. Management, therefore, believes

presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s ongoing businesses, and management uses these non-GAAP financial

measures to assess the performance of the Company’s ongoing businesses as related to prior financial periods. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are

they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial

measure, can be found in the appendix to this presentation. 23

Appendix 24

Select Balance Sheet and Other Data 3Q26 vs 2Q26 3Q26 vs 3Q25 $ in

millions, except per share data 3Q26 2Q26 3Q25 $ Change % Change $ Change % Change Period End Balances Total loans $17,464.7 $18,062.4 $17,188.8 $(597.7) (3) % $275.9 2 % Investment securities 2, 743.5 3, 077.2 3, 319.3 ( 333.7) (11) ( 575.8) (17)

Total assets 24,074.5 24,776.8 24,208.2 (702.3) (3) (133.7) (1) Total deposits 18,616.1 19,728.1 19,837.7 ( 1,112.0) (6) (1,221.6) (6) Borrowed funds 1, 767.1 1, 299.5 690.2 46 7.6 36 1,076.9 156 Total stockholders' equity 3,349.8 3, 481.9 3,354.0

(132.1) (4) (4.2) - Average Balances Total loans $17,735.2 $17,956.6 $16,976.2 $(221.3) (1) % $759.0 4 % Investment securities 2, 950.7 3,103.5 3,994.4 (152.8) (5) (1,043.7) (26) Total assets 24,332.2 24,638.0 24,914.9 (305.8) (1) (582.7) (2) Total

deposits 19 ,131.4 19 ,871.1 20,529.1 (739.7) (4) (1,397.8) (7) Borrowed funds 1,415.6 1, 007.6 699.5 408.1 40 716.1 102 Total stockholders' equity 3,478.2 3,478.5 3,368.3 (0.3) - 109.9 3 Select Other Data Equity to assets 13.91 % 14.05 % 13.85 % 1

8.62 8.91 8.53 Tangible common equity to tangible assets Book value per share $23.18 $24.11 $23.18 1 13.52 14.42 13.45 Tangible book value per share Allowance for credit losses to total loans 1.37 % 1.32 % 1.50 % Nonperforming loan coverage ratio

133 143 168 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 25

Income Summary 1 1 3Q26 Adjusted 3Q26 vs Adjusted 1 $ in millions,

except per share data 2Q26 3Q25 Reported Adjusted Net interest income $204.0 $204.0 $3.3 2 % $17.3 9 % Noninterest income 47.2 4 7.2 (0.7) ( 2) 1.3 3 Total revenue 251.2 251.2 2.6 1 18.6 8 Noninterest expense 182.0 138.9 (1.4) (1) (0.8) (1) 2 6 9.1

112.3 4.0 4 19.5 21 Pre-provision net revenue Provision for credit losses 12.2 12.2 (5.3) (30) 0.2 2 Provision for income taxes 9.9 2 1.1 2.5 13 5.2 33 Earnings $ 47.1 $ 79.0 $6.8 9 % $14.1 22 % Diluted EPS $ 0.32 $ 0.54 $0.04 8 % $0.08 17 % Totals

may not foot due to rounding 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 26 2 All pre-provision net revenue (PPNR) figures set forth in this row are Non-GAAP measures. See

footnote 1 for more information

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q $ in thousands, except per

share data 2025 2025 2026 2026 2026 1 Calculation of Adjusted Earnings Net Income (Loss) $ (562,792) $ 78,078 $ 68,544 $ 66,691 $ 47,113 Certain items Branch/real estate rightsizing, net 2,004 85 531 6,099 14,186 Loss on sale of equipment finance

business - 1,118 - - - Loss (gain) on sale of securities 801,492 - - - - Severance/early retirement program 305 - 283 1,320 5,997 Loss on early extinguishment of debt 570 - - - - Termination of vendor and software services - 12 - - - FDIC Deposit

Insurance special assessment - - (1,984) - - Certain professional services - - 1,200 - 17,069 Accelerated prepaid expenses - - - - 5,889 Tax effect (176,649) (318) (8) (1,939) (11,274) Certain items, net of tax 627,722 897 22 5,480 31,867 Adjusted

earnings (non-GAAP) $ 64,930 $ 78,975 $ 68,566 $ 72,171 $ 78,980 1 Calculation of Earnings and Adjusted Earnings per Diluted Share Earnings available to common shareholders $ (562,792) $ 78,078 $ 68,544 $ 66,691 $ 47,113 Diluted earnings per share $

(4.00) $ 0.54 $ 0.47 $ 0.46 $ 0.32 Adjusted earnings available to common shareholders (non-GAAP) $ 64,930 $ 78,975 $ 68,566 $ 72,171 $ 78,980 Adjusted diluted earnings per share (non-GAAP) $ 0.46 $ 0.54 $ 0.47 $ 0.50 $ 0.54 Average Diluted Shares

Outstanding 140,648,704 145,210,222 145,340,410 145,323,958 145,054,299 1 In this presentation, “Adjusted Earnings” may also be referred to as “Adjusted Net Income” 27

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q 2025 2025 2026 2026 2026 $ in

thousands Calculation of Pre-Provision Net Revenue (PPNR) Net interest income $ 186,661 $ 197,296 $ 197,168 $ 200,627 $ 203,976 Plus: Noninterest income (756,187) 51,708 44,197 47,939 47,191 Less: Noninterest expense 142,032 139,862 140,673 147,739

182,035 Pre-Provision Net Revenue (PPNR) (non-GAAP) $ (711,558) $ 109,142 $ 100,692 $ 100,827 $ 69,132 Calculation of Adjusted Pre-Provision Net Revenue Pre-Provision Net Revenue (PPNR) (non-GAAP) $ (711,558) $ 109,142 $ 100,692 $ 100,827 $ 69,132

Plus: Loss on sale of equipment finance business - 1,118 - - - Plus: (Gain) loss on sale of securities 801,492 - - - - Plus: Branch/real estate rightsizing costs, net 2,004 85 531 6,099 14,186 Plus: Severance/early retirement program 305 - 283 1,320

5,997 Plus: Loss on early extinguishment of debt 570 - - - - Plus: Termination of vendor and software services - 12 - - - Plus: Certain professional services - - 1,200 - 17,069 Plus: Accelerated prepaid expenses - - - - 5,889 Less: FDIC Deposit

Insurance special assessment - - 1,984 - - Adjusted Pre-Provision Net Revenue (non-GAAP) $ 92,813 $ 110,357 $ 100,722 $ 108,246 $ 112,273 Calculation of Book Value and Tangible Book Value per Share Total common stockholders' equity $ 3,353,963 $

3,419,240 $ 3,437,734 $ 3,481,859 $ 3,349,804 Intangible assets: Goodwill (1,320,799) (1,320,799) (1,320,799) (1,320,799) (1,320,799) Other intangible assets (87,520) (84,423) (81,325) (78,228) (75,132) Total intangible assets (1,408,319)

(1,405,222) (1,402,124) (1,399,027) (1,395,931) Tangible common stockholders' equity (non-GAAP) $ 1,945,644 $ 2,014,018 $ 2,035,610 $ 2,082,832 $ 1,953,873 Shares of common stock outstanding 144,703,075 144,762,817 145,058,331 144,442,482

144,517,233 Book value per common share $ 23.18 $ 23.62 $ 23.70 $ 24.11 $ 23.18 Tangible book value per common share (non-GAAP) $ 13.45 $ 13.91 $ 14.03 $ 14.42 $ 13.52 28

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q 2025 2025 2026 2026 2026 $ in

thousands, except number of employees (FTE) Calculation of Total Revenue and Adjusted Total Revenue Net Interest Income (GAAP) $ 186,661 $ 197,296 $ 197,168 $ 200,627 $ 203,976 Noninterest Income (GAAP) (756,187) 51,708 44,197 47,939 47,191 Total

Revenue (non-GAAP) $ (569,526) $ 249,004 $ 241,365 $ 248,566 $ 251,167 Total Revenue (non-GAAP) $ (569,526) $ 249,004 $ 241,365 $ 248,566 $ 251,167 Less: Gain (loss) on sales of securities (801,492) - - - - Less: Loss on early extinguishment of debt

(570) - - - - Adjusted Total Revenue (non-GAAP) $ 232,536 $ 249,004 $ 241,365 $ 248,566 $ 251,167 Employees (FTE) 2,883 2,917 2,913 2,909 2,712 Total Revenue per Employee (FTE) $ (197.55) $ 85.36 $ 82.86 $ 85.45 $ 92.61 Adjusted Total Revenue per

Employee (FTE) $ 80.66 $ 85.36 $ 82.86 $ 85.45 $ 92.61 Calculation of Adjusted Noninterest Income Noninterest Income (GAAP) $ (756,187) $ 51,708 $ 44,197 $ 47,939 $ 47,191 Less: Gain (loss) on sale of securities (801,492) - - - - Less: Loss on early

extinguishment of debt (570) - - - - Adjusted Noninterest Income (non-GAAP) $ 45,875 $ 51,708 $ 44,197 $ 47,939 $ 47,191 Calculation of Noninterest Income to Total Revenue Noninterest Income to Total Revenue NM 20.77% 18.31% 19.29% 18.79% Adjusted

Noninterest Income to Adjusted Total Revenue (non-GAAP) 19.73% 20.77% 18.31% 19.29% 18.79% Calculation of PPNR and Adjusted PPNR Per Share Average Diluted Shares Outstanding 140,648,704 145,210,222 145,340,410 145,323,958 145,054,299 PPNR per

Average Diluted Shares Outstanding $ (5.06) $ 0.75 $ 0.69 $ 0.69 $ 0.48 Adjusted PPNR per Average Diluted Shares Outstanding (non-GAAP) $ 0.66 $ 0.76 $ 0.69 $ 0.74 $ 0.77 FTE – Full time equivalent NM – Not meaningful 29

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q 2025 2025 2026 2026 2026 $ in

thousands Calculation of Adjusted Noninterest Expense Noninterest Expense (GAAP) $ 142,032 $ 139,862 $ 140,673 $ 147,739 $ 182,035 Less: Branch/real estate rightsizing expense 2,004 85 531 6,099 14,186 Less: Severance/early retirement program 305 -

283 1,320 5,997 Less: Loss on sale of equipment finance business - 1,118 - - - Less: Termination of vendor and software services - 12 - - - Less: Certain professional services - - 1,200 - 17,069 Less: Accelerated prepaid expenses - - - - 5,889 Plus:

FDIC Deposit Insurance special assessment - - 1,984 - - Adjusted Noninterest Expense (non-GAAP) $ 139,723 $ 138,647 $ 140,643 $ 140,320 $ 138,894 Calculation of Efficiency Ratio and Adjusted Efficiency Ratio Noninterest Expense (efficiency ratio

numerator) $ 142,032 $ 139,862 $ 140,673 $ 147,739 $ 182,035 Total Revenue $ (569,526) $ 249,004 $ 241,365 $ 248,566 $ 251,167 Fully taxable equivalent adjustment ___ _ _3,811 ___ _ _2,890 ___ _ _3,012 ___ _ _3,029 ___ _ _3,116 Efficiency ratio

denominator $ (565,715) $ 251,894 $ 244,377 $ 251,595 $ 254,283 Efficiency ratio (based on GAAP figures) (25.11)% 55.52% 57.56% 58.72% 71.59% Adjusted Noninterest Expense (non-GAAP) $ 139,723 $ 138,647 $ 140,643 $ 140,320 $ 138,894 Less: Other real

estate and foreclosure expense 200 432 315 695 230 Less: Amortization of intangible assets ___ __ 3,097 ___ __ 3,097 ___ __ 3,097 ___ __ 3,097 ___ __ 3,098 Adjusted efficiency ratio numerator (non-GAAP) $ 136,426 $ 135,118 $ 137,231 $ 136,528 $

135,566 Adjusted Total Revenue (non-GAAP) (reconciliation shown on page 29) $ 232,536 $ 249,004 $ 241,365 $ 248,566 $ 251,167 Fully taxable equivalent adjustment ___ _ _3,811 ___ _ _2,890 ___ _ _3,012 ___ _ _3,029 ___ _ _3,116 Adjusted efficiency

ratio denominator (non-GAAP) $ 236,347 $ 251,894 $ 244,377 $ 251,595 $ 254,283 Adjusted Efficiency Ratio (non-GAAP) 57.72% 53.64% 56.16% 54.26% 53.31% Fully taxable equivalent adjustment using an effective tax rate of 26.135% 30

Non-GAAP Reconciliations 3Q 2Q 3Q 2025 2026 2026 $ in thousands

Calculation of Adjusted Salaries and Employee Benefits Salaries and employee benefits (GAAP) $ 76,249 $ 75,590 $ 78,077 Less: Severance/early retirement program 305 1,320 5,997 Less: Other 1 (4) (56) Total Adjusted Salaries and Employee Benefits

(non-GAAP) $ 75,943 $ 74,274 $ 72,136 Calculation of Adjusted Occupancy Expense, Net Occupancy expense, net (GAAP) $ 12,106 $ 14,715 $ 11,708 Less: Branch/real estate rightsizing expense 432 3,670 65 Total Adjusted Occupancy Expense (non-GAAP) $

11,674 $ 11,045 $ 11,643 Calculation of Adjusted Furniture and Equipment Expense Furniture and Equipment Expense (GAAP) $ 5,275 $ 5,739 $ 5,382 Less: Branch/real estate rightsizing expense 15 34 3 Total Adjusted Furniture and Equipment Expense

(non-GAAP) $ 5,260 $ 5,705 $ 5,379 Calculation of Adjusted Other Noninterest Expense Other noninterest expense (GAAP) $ 43,027 $ 46,550 $ 82,119 Less: Branch/real estate rightsizing expense 1,556 2,399 14,174 Less: Certain professional services - -

17,069 Less: Accelerated prepaid expenses - - 5,889 Total Adjusted Other Noninterest Expense (non-GAAP) $ 41,471 $ 44,151 $ 44,987 Calculation of Adjusted Provision for Income Taxes Provision for income taxes (GAAP) $ (160,732) $ 16,702 $ 9,852

Less: Tax effect of certain items (non-GAAP) (reconciliation shown on page 27) (176,649) (1,939) (11,274) Adjusted provision for income taxes (non-GAAP) $ 15,917 $ 18,641 $ 21,126 31

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q 2025 2025 2026 2026 2026 $ in

thousands Calculation of Tangible Common Equity (TCE) Total common stockholders’ equity $ 3,353,963 $ 3,419,240 $ 3,437,734 $ 3,481,859 $ 3,349,804 Less: Intangible assets 1,408,319 1,405,222 1,402,124 1,399,027 1,395,931 Total tangible common

stockholders’ equity (non-GAAP) $ 1,945,644 $ 2,014,018 $ 2,035,610 $ 2,082,832 $ 1,953,873 Total assets $ 24,208,162 $ 24,540,877 $ 24,692,783 $ 24,776,816 $ 24,074,481 Less: Intangible assets 1,408,319 1,405,222 1,402,124 1,399,027 1,395,931

Total tangible assets $ 22,799,843 $ 23,135,655 $ 23,290,659 $ 23,377,789 $ 22,678,550 Common equity to total assets 13.85% 13.93% 13.92% 14.05% 13.91% Tangible common equity to tangible common assets (non-GAAP) 8.53% 8.71% 8.74% 8.91% 8.62% 3Q 3Q

2026 2026 $ in thousands $ in thousands Calculation of Adjusted ROAA Calculation of Adjusted ROTCE Net income $ 47,113 Net income $ 47,113 Adjusted earnings (non-GAAP) (reconciliation shown on page 27) $ 78,980 Plus: Amortization of intangible

assets, net of taxes 2,289 Total net income net of amortization of intangibles (non-GAAP) $ 49,402 Average assets $ 24,332,226 Adjusted earnings (non-GAAP) (reconciliation shown on page 27) $ 78,980 Return on average assets (ROAA) 0.77% Plus:

Amortization of intangible assets, net of taxes 2,289 Adjusted ROAA (non-GAAP) 1.29% Total adjusted earnings net of amortization of intangibles (non-GAAP) $ 81,269 Average common equity $ 3,478,190 Less: Average intangible assets 1,397,804 Total

average tangible common equity (non-GAAP) $ 2,080,386 Return on average common equity 5.37% Return on average tangible common equity 9.42% Adjusted return on average tangible common equity (non-GAAP) 15.50% 32

Non-GAAP Reconciliations YTD YTD 2025 2026 $ in thousands Calculation

of Adjusted Operating Leverage Net interest income $ 521,907 $ 601,771 Noninterest income (667,678) 139,327 Total Revenue $ (145,771) $ 741,098 Noninterest income $ (667,678) $ 139,327 Plus: Loss on sale of securities 801,492 - Plus: Loss on early

extinguishment of debt 570 - Adjusted Noninterest Income (non-GAAP) $ 134,384 $ 139,327 Net interest income $ 521,907 $ 601,771 Plus: Adjusted noninterest income 134,384 139,327 Adjusted Total Revenue (non-GAAP) $ 656,291 $ 741,098 Year-over-year

change in Total Revenue (a) NM Year-over-year change in Adjusted Total Revenue (non-GAAP) (b) 12.9% Noninterest expense $ 425,201 $ 470,447 Less: Severance/early retirement program costs 1,899 7,600 Less: Branch/real estate rightsizing costs 3,161

20,816 Less: Certain professional service - 18,269 Less: Accelerated prepaid expenses - 5,889 Plus: FDIC Deposit Insurance special assessment - 1,984 Adjusted Noninterest Expense (non-GAAP) $ 420,141 $ 419,857 Year-over-year change in Noninterest

Expense (c) 10.6% Year-over-year change in Adjusted Noninterest Expense (d) (0.1)% Operating leverage (a-c) NM Adjusted operating leverage (b-d) 13.0% NM – not meaningful 33

Nasdaq SFNC rd 3 Quarter 2026 Earnings Presentation October 15,

2026

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XML — IDEA: XBRL DOCUMENT

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v3.26.3

Document and Entity Information

Oct. 15, 2026

Cover [Abstract]

Entity Registrant Name

SIMMONS FIRST NATIONAL CORP

Amendment Flag

false

Entity Central Index Key

0000090498

Document Type

8-K

Document Period End Date

Oct. 15, 2026

Entity Incorporation State Country Code

Entity File Number

0-6253

Entity Tax Identification Number

71-0407808

Entity Address, Address Line One

501 Main Street

Entity Address, City or Town

Pine Bluff

Entity Address, State or Province

Entity Address, Postal Zip Code

71601

City Area Code

(870)

Local Phone Number

541-1000

Written Communications

false

Soliciting Material

false

Pre Commencement Tender Offer

false

Pre Commencement Issuer Tender Offer

false

Security 12b Title

Common stock, par value $0.01 per share

Trading Symbol

SFNC

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

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No definition available.

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Area code of city

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No definition available.

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- Definition

Cover page.

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No definition available.

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For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

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No definition available.

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- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

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No definition available.

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- Definition

Address Line 1 such as Attn, Building Name, Street Name

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No definition available.

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Name of the City or Town

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No definition available.

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- Definition

Code for the postal or zip code

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No definition available.

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- Definition

Name of the state or province.

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No definition available.

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- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Indicate if registrant meets the emerging growth company criteria.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

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-Section 12

-Subsection b-2

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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Name:

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- Definition

Two-character EDGAR code representing the state or country of incorporation.

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No definition available.

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

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- Definition

Local phone number for entity.

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No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

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-Section 14d

-Subsection 2b

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- Definition

Title of a 12(b) registered security.

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-Publisher SEC

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-Section 12

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Name of the Exchange on which a security is registered.

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-Section 12

-Subsection d1-1

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

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-Section 14a

-Subsection 12

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- Definition

Trading symbol of an instrument as listed on an exchange.

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No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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-Section 425

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