Form 8-K

8-K — SIMMONS FIRST NATIONAL CORP

Accession: 0001193125-26-306164

Filed: 2026-07-16

Period: 2026-07-16

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 — d123214d8k.htm (Primary)

EX-99.1 (d123214dex991.htm)

EX-99.2 (d123214dex992.htm)

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8-K

8-K (Primary)

Filename: d123214d8k.htm · Sequence: 1

8-K

SIMMONS FIRST NATIONAL CORP false 0000090498 0000090498 2026-07-16 2026-07-16

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) July 16, 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 July 16, 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 July 16, 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 July 16, 2026

Exhibit 99.2

Investor Presentation issued on July 16, 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: July 16, 2026

C. Daniel Hobbs, Executive Vice President and

Chief Financial Officer

EX-99.1

EX-99.1

Filename: d123214dex991.htm · Sequence: 2

EX-99.1

Exhibit 99.1

July 16, 2026

Simmons First National Corporation Reports Second Quarter Results

FINANCIAL HIGHLIGHTS

2Q26

1Q26

2Q25

2Q26 Highlights

INCOME STATEMENT SUMMARY (in

millions)

Comparisons reflect 2Q26 vs 1Q26 unless otherwise noted

•

Net income of $66.7 million and diluted EPS of $0.46

•

Adjusted net income1 of $72.2 million and adjusted diluted EPS1 of $0.50

•

ROAA of 1.09% and ROE of 7.69%

•

Adjusted ROAA1 of 1.17%; adjusted ROTCE1 of

14.37%

•

Total revenue of $248.6 million and PPNR1 of $100.8 million

•

Net interest margin unchanged at 3.84%; cost of deposits down 3 bps to 1.93%

•

Efficiency ratio of 58.72%; adjusted efficiency ratio1 of 54.26%

•

Unfunded commitments up 8%

•

Noninterest bearing deposits up 6% annualized

•

Provision expense exceeded net charge-offs by $8.3 million

•

NCO ratio at 20 bps for 2Q26; ACL at 1.32%

•

Repurchased 0.7 million shares during the quarter

Total revenue

$

248.6

$

241.4

$

214.2

Adjusted total

revenue1

248.6

241.4

214.2

Pre-provision net revenue1 (PPNR)

100.8

100.7

75.6

Adjusted pre-provision net revenue1

108.2

100.7

77.3

Provision for credit losses

17.4

14.6

11.9

Net income

66.7

68.5

54.8

Adjusted net income1

72.2

68.6

56.1

PER SHARE DATA

Diluted earnings

$

0.46

$

0.47

$

0.43

Adjusted diluted

earnings1

0.50

0.47

0.44

Cash dividend declared

0.2150

0.2150

0.2125

BALANCE SHEET (in millions)

Total loans

$

18,062

$

17,933

$

17,111

Total deposits

19,728

20,203

21,825

Total assets

24,777

24,693

26,694

Total shareholders’ equity

3,482

3,438

3,549

ASSET QUALITY

Net charge-off ratio (NCO

ratio)

0.20

%

0.21

%

0.25

%

Allowance for credit losses to loans (ACL)

1.32

1.28

1.48

CAPITAL RATIOS

Equity to assets (EA) ratio

14.05

%

13.92

%

13.30

%

Tangible common equity (TCE)

ratio1

8.91

8.74

8.46

Common equity tier 1 (CET1) ratio

11.60

11.58

12.36

Total risk-based capital ratio

14.35

14.36

14.42

OTHER RATIOS

Return on average assets

1.09

%

1.13

%

0.82

%

Adjusted return on average

assets1

1.17

1.13

0.84

Return on average common equity

7.69

8.01

6.20

Return on average tangible common

equity1

13.32

13.90

10.73

Adj. return on avg. tangible common equity1

14.37

13.91

10.97

Net interest margin (FTE)2

3.84

3.84

3.06

Efficiency ratio

58.72

57.56

62.82

Adjusted efficiency ratio1

54.26

56.16

60.52

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

“Simmons delivered continued expansion in returns in the second quarter, reflecting revenue growth coupled with disciplined expense control. Committed

loan production reached $1.8 billion, its highest quarterly level in almost four years, partially offset by expected paydowns, while our focus on disciplined loan and deposit pricing supported a stable net interest margin. Underlying trends in

asset quality remain constructive, with net charge-offs of 20 basis points, provision expense exceeding net charge-offs by $8.3 million and continued positive trends in classified and criticized loans, even as we manage a single relationship

that fully migrated to nonperforming in the second quarter.

During the quarter, the continued execution of efficiency initiatives more than funded

our investments in the business, reflecting ongoing progress of our continuous improvement mindset. These actions included the elimination of certain positions and further optimization of our real estate footprint through meaningful square footage

reductions.

As we look to the remainder of the year, we expect to sharpen our focus on the disciplined execution of

these types of initiatives, which we believe will more than fund additional investments designed to further enhance the quality and sustainability of our organic growth outlook.”

Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today reported net income of $66.7 million for the second quarter of 2026,

compared to net income of $68.5 million for the first quarter of 2026 and $54.8 million for the second quarter of 2025. Diluted earnings per share were $0.46 for the second quarter of 2026, compared to $0.47 for the first quarter of 2026

and $0.43 for the second quarter of 2025. Adjusted earnings1 for the second quarter of 2026 were $72.2 million, compared to $68.6 million for the first quarter of 2026 and

$56.1 million for the second quarter of 2025. Adjusted diluted earnings per share1 for the second quarter of 2026 were $0.50, compared to $0.47 for the first quarter of 2026 and $0.44 for the

second quarter of 2025.

For the second quarter of 2026, return on average assets was 1.09 percent and return on average common equity was

7.69 percent. Adjusted return on average assets1 was 1.17 percent and adjusted return on average tangible common equity1 was

14.37 percent.

The table below summarizes the impact of certain items, consisting primarily of branch/real estate rightsizing costs, severance/early

retirement program costs, FDIC deposit insurance special assessment and certain professional services. 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

2Q26

1Q26

2Q25

Net income

$

66.7

$

68.5

$

54.8

Branch/real estate rightsizing costs, net

6.1

0.6

0.2

Severance/early retirement program costs

1.3

0.3

1.6

FDIC deposit insurance special assessment

—

(2.0

)

—

Certain professional services

—

1.2

—

Total pre-tax impact

7.4

0.1

1.8

Tax effect

(1.9

)

—

(0.5

)

Total impact on earnings

5.5

0.1

1.3

Adjusted earnings1, 3

$

72.2

$

68.6

$

56.1

Diluted EPS

$

0.46

$

0.47

$

0.43

Branch/real estate rightsizing costs, net

0.04

—

—

Severance/early retirement program costs

0.01

—

0.01

FDIC deposit insurance special assessment

—

(0.01

)

—

Certain professional services

—

0.01

—

Total pre-tax impact

0.05

—

0.01

Tax effect

(0.01

)

—

—

Total impact on earnings

0.04

—

0.01

Adjusted Diluted EPS1

$

0.50

$

0.47

$

0.44

Net Interest Income

Net

interest income for the second quarter of 2026 totaled $200.6 million, up $3.5 million, or 7 percent annualized, compared to $197.2 million for the first quarter of 2026 and up $28.8 million, or 17 percent, compared to

$171.8 million for the second quarter of 2025. The increase in net interest income on a linked quarter basis was primarily due to a $5.9 million increase in interest income, driven by a $7.0 million increase in loan interest income,

offset in part by a $2.4 million increase in interest expense. The increase in net interest income on a year-over-year basis was primarily due to a $36.1 million decrease in interest expense, which included a $30.8 million decrease in

interest bearing deposit costs and a $5.3 million decrease in the cost of other interest bearing liabilities. The decrease in interest expense compared to the prior year quarter reflected a reduction in wholesale funding as a result of the

balance sheet repositioning completed in the third quarter of 2025, as well as a lower interest rate environment.

Net interest margin for the second quarter of 2026 on a fully taxable equivalent (FTE) basis2 was 3.84 percent, unchanged from first quarter 2026 levels and up 78 basis points compared to 3.06 percent for the second quarter of 2025. The increase in net interest margin on a

year-over-year basis primarily reflected the balance sheet repositioning that was completed during the third quarter of 2025.

Select Yield/Rates

2Q26

1Q26

4Q25

3Q25

2Q25

Loan yield (FTE)2

6.15

%

6.16

%

6.23

%

6.31

%

6.26

%

Investment securities yield (FTE)2

4.26

4.25

4.30

4.01

3.48

Cost of interest bearing deposits

2.46

2.47

2.62

2.86

2.97

Cost of deposits

1.93

1.96

2.04

2.25

2.36

Net interest spread (FTE)2

3.26

3.27

3.18

2.86

2.41

Net interest margin (FTE)2

3.84

3.84

3.81

3.50

3.06

Noninterest Income

Noninterest income for the second quarter of 2026 was $47.9 million, compared to $44.2 million in the first quarter of 2026 and $42.4 million in

the second quarter of 2025. The increase in noninterest income on a linked quarter basis was primarily due to an increase in swap fee income and a 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.

Noninterest Income

$ in millions

2Q26

1Q26

4Q25

3Q25

2Q25

Service charges on deposit accounts

$

12.3

$

12.7

$

12.7

$

13.0

$

12.6

Wealth management fees

10.2

10.5

10.3

10.0

9.5

Debit and credit card fees

9.0

8.5

8.7

8.5

8.6

Mortgage lending income

2.0

1.9

2.2

2.3

1.7

Other service charges and fees

1.6

1.6

1.5

1.5

1.3

Bank owned life insurance

4.2

4.2

3.9

3.9

3.9

Gain (loss) on sale of securities

—

—

—

(801.5

)

—

Other income

8.6

4.8

12.4

6.1

4.8

Total noninterest income

$

47.9

$

44.2

$

51.7

$

(756.2

)

$

42.4

Adjusted noninterest income1

$

47.9

$

44.2

$

51.7

$

45.9

$

42.4

Noninterest Expense

Noninterest expense for the second quarter of 2026 was $147.7 million, compared to $140.7 million in the first quarter of 2026 and

$138.6 million in the second quarter of 2025. Included in noninterest expense are certain items consisting of branch/real estate rightsizing costs, severance/early retirement program costs, FDIC deposit insurance special assessment and certain

professional services. Collectively, these items totaled $7.4 million in the second quarter of 2026, $30 thousand in the first quarter of 2026 and $1.8 million in the second quarter of 2025. Excluding these items (which are described

in the “Reconciliation of Non-GAAP Financial Measures” table below) adjusted noninterest expense1 was $140.3 million in the second quarter

of 2026, $140.6 million in the first quarter of 2026 and $136.8 million in the second quarter of 2025. The efficiency ratio for the second quarter of 2026 was 58.72 percent, compared to 57.56 percent for the first quarter of 2026

and 62.82 percent for the second quarter of 2025. The adjusted efficiency ratio1 was 54.26 percent for the second quarter of 2026, compared to 56.16 percent for the first quarter of

2026 and 60.52 percent for the second quarter of 2025.

Noninterest Expense

$ in millions

2Q26

1Q26

4Q25

3Q25

2Q25

Salaries and employee benefits

$

75.6

$

75.9

$

72.9

$

76.2

$

73.9

Occupancy expense, net

14.7

12.2

11.6

12.1

11.8

Furniture and equipment

5.7

5.4

5.3

5.3

5.5

Deposit insurance

4.5

2.3

4.7

5.2

4.9

Other real estate and foreclosure expense

0.7

0.3

0.4

0.2

0.2

Other operating expenses

46.6

44.5

44.8

43.0

42.3

Total noninterest expense

$

147.7

$

140.7

$

139.9

$

142.0

$

138.6

Adjusted salaries and employee

benefits1

$

74.3

$

75.6

$

72.9

$

75.9

$

72.3

Adjusted other operating

expenses1

44.2

43.1

44.0

41.5

42.5

Adjusted noninterest expense1

140.3

140.6

138.6

139.7

136.8

Efficiency ratio

58.72

%

57.56

%

55.52

%

(25.11

)%

62.82

%

Adjusted efficiency ratio1

54.26

56.16

53.64

57.72

60.52

Full-time equivalent employees

2,909

2,913

2,917

2,883

2,947

Number of financial centers

220

221

222

223

223

Loans and Unfunded Loan Commitments

Total loans at the end of the second quarter of 2026 were $18.1 billion, up $129.5 million, or 3 percent annualized, compared to

$17.9 billion at the end of the first quarter of 2026, and up $951.3 million, or 6 percent, compared to $17.1 billion at the end of the second quarter of 2025. The increase in total loans on a linked quarter basis was driven by

increases in agricultural, commercial real estate and consumer and other portfolios, offset in part by a decrease in real estate construction. Unfunded loan commitments at the end of the second quarter of 2026 were $4.4 billion, compared to

$4.1 billion at the end of the first quarter of 2026 and $3.9 billion at the end of the second quarter of 2025. The commercial loan pipeline totaled $1.4 billion at the end of the second quarter of 2026, and ready-to-close commercial loans totaled $374 million with a weighted average rate of 6.73 percent.

Loans and Unfunded Loan Commitments

$ in millions

2Q26

1Q26

4Q25

3Q25

2Q25

Total loans

$

18,062

$

17,933

$

17,492

$

17,189

$

17,111

Unfunded loan commitments

4,384

4,068

3,871

3,955

3,947

Deposits and Other Borrowings

Total deposits at the end of the second quarter of 2026 were $19.7 billion, compared to $20.2 billion at the end of the first quarter of 2026 and

$21.8 billion at the end of the second quarter of 2025. Noninterest bearing deposits totaled $4.4 billion at the end of the second quarter of 2026, up $60.8 million, or 6 percent annualized, compared to $4.3 billion at the

end of the first quarter of 2026. Interest bearing deposits at the end of the second quarter of 2026 totaled $15.4 billion, compared to $15.9 billion at the end of the first quarter of 2026 and $17.4 billion at the end of the second

quarter of 2025. The decrease in interest bearing deposits on a linked quarter basis was driven by lower levels of interest bearing transaction accounts and savings accounts, and time deposits, coupled with 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 reflects a reduction of higher rate, non-relationship wholesale and public fund deposits as

part of the balance sheet repositioning completed during the third quarter of 2025.

Other borrowings at the end of the second quarter of 2026 were

$941.3 million, compared to $446.8 million at the end of the first quarter of 2026 and $634.3 million at the end of the second quarter of 2025. The increase in other borrowings on a linked quarter basis reflected increased utilization

of short-term FHLB advances given favorable pricing.

Deposits

$ in millions

2Q26

1Q26

4Q25

3Q25

2Q25

Noninterest bearing deposits

$

4,350

$

4,290

$

4,330

$

4,377

$

4,468

Interest bearing transaction accounts

10,332

10,667

10,453

10,289

10,532

Time deposits

3,233

3,334

3,508

3,331

3,588

Brokered deposits

1,813

1,912

1,893

1,841

3,237

Total deposits

$

19,728

$

20,203

$

20,184

$

19,838

$

21,825

Noninterest bearing deposits to total deposits

22

%

21

%

21

%

22

%

20

%

Total loans to total deposits

92

89

87

87

78

Asset Quality

Provision

for credit losses on loans totaled $17.4 million for the second quarter of 2026, compared to $14.6 million in the first quarter of 2026 and $11.9 million in the second quarter of 2025. Net charge-offs as a percentage of average loans

for the second quarter of 2026 were 20 basis points, compared to 21 basis points in the first quarter of 2026 and 25 basis points in the second quarter of 2025. Provision for credit losses on loans exceeded net charge-offs by $8.3 million

during the second quarter of 2026. The allowance for credit losses on loans at the end of the second quarter of 2026 was $238.2 million, compared to $229.9 million at the end of the first quarter of 2026 and $253.5 million at the end of

the second quarter of 2025. The allowance for credit losses on loans as a percentage of total loans at the end of the second quarter of 2026 was 1.32 percent, compared to 1.28 percent at the end of the first quarter of 2026 and

1.48 percent at the end of the second quarter of 2025.

Loans past due 30-89 days as a percentage of total loans were 29

basis points at the end of the second quarter of 2026, compared to 51 basis points at the end of the first quarter of 2026 and 17 basis points at the end of the second quarter of 2025. Total nonperforming loans at the end of the second quarter of

2026 totaled $166.0 million, compared to $141.9 million at the end of the first quarter of 2026 and $157.2 million at the end of the second quarter of 2025. The increase in nonperforming loans on a linked quarter basis primarily

reflected further migration of the remaining portion of a single 1-4 family real estate construction relationship previously disclosed in the first quarter of 2026. The nonperforming loan coverage ratio ended

the second quarter of 2026 at 143 percent, compared to 162 percent at the end of the first quarter of 2026 and 161 percent at the end of the second quarter of 2025. Total nonperforming assets as a percentage of total assets were 72

basis points at the end of the second quarter of 2026, compared to 63 basis points at the end of the first quarter of 2026 and 62 basis points at the end of the second quarter of 2025.

Asset Quality

$ in millions

2Q26

1Q26

4Q25

3Q25

2Q25

Allowance for credit losses on loans to total loans

1.32

%

1.28

%

1.28

%

1.50

%

1.48

%

Allowance for credit losses on loans to nonperforming loans

143

162

199

168

161

Nonperforming loans to total loans

0.92

0.79

0.64

0.90

0.92

Net charge-off ratio (annualized)

0.20

0.21

1.12

0.25

0.25

Net charge-off ratio YTD (annualized)

0.21

0.21

0.47

0.24

0.24

Loans past due 30-89 days to total loans

0.29

0.51

0.27

0.11

0.17

Total nonperforming loans

$

166.1

$

141.9

$

112.7

$

153.9

$

157.2

Total other nonperforming assets

11.1

12.6

12.4

6.8

9.5

Total nonperforming assets

$

177.2

$

154.5

$

125.1

$

160.7

$

166.7

Reserve for unfunded commitments

$

25.6

$

25.6

$

25.6

$

25.6

$

25.6

Capital

Total

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

the end of the second quarter of 2026 was $24.11, compared to $23.70 at the end of the first quarter of 2026 and $28.17 at the end of the second quarter of 2025. Tangible book value per share1 at

the end of the second quarter of 2026 was $14.42, compared to $14.03 at the end of the first quarter of 2026 and $16.97 at the end of the second quarter of 2025. The increase in book value per share and tangible book value per share on a linked

quarter basis was primarily due to a $35.6 million increase in undivided profits. The year-over-year decline in book value per share and tangible book value per share was primarily due to the balance sheet repositioning completed in the third

quarter of 2025.

Total stockholders’ equity as a percentage of total assets at the end of the second quarter of 2026 was 14.1 percent,

compared to 13.9 percent at the end of first quarter of 2026 and 13.3 percent at the end of the second quarter of 2025. Tangible common equity as a percentage of tangible assets1 was

8.9 percent at the end of the second quarter of 2026, compared to 8.7 percent at the end of the first quarter of 2026 and 8.5 percent at the end of the second 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

2Q26

1Q26

4Q25

3Q25

2Q25

Stockholders’ equity to total assets

14.1

%

13.9

%

13.9

%

13.9

%

13.3

%

Tangible common equity to tangible

assets1

8.9

8.7

8.7

8.5

8.5

Common equity tier 1 (CET1) ratio

11.6

11.6

11.6

11.5

12.4

Tier 1 leverage ratio

10.2

10.1

10.1

9.6

10.0

Tier 1 risk-based capital ratio

11.6

11.6

11.6

11.5

12.4

Total risk-based capital ratio

14.4

14.4

14.4

15.1

14.4

Share Repurchase Program

During the second quarter of 2026, Simmons repurchased approximately 0.7 million shares of its Class A common stock at an average price of $21.52

under its 2026 stock repurchase program (2026 Program). Remaining authorization under the 2026 Program as of June 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, July 17, 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 10210202. 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 and by Forbes as one of America’s Best-In-State Companies 2026. 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, FDIC deposit insurance special assessment and certain professional services.

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 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-Q for the quarter ended March 31, 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

SFNC

Consolidated End of Period Balance Sheets

For the Quarters Ended

(Unaudited)

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

($ in thousands)

ASSETS

Cash and noninterest bearing balances due from banks

$

377,602

$

342,603

$

380,439

$

377,604

$

398,081

Interest bearing balances due from banks and federal funds sold

211,882

205,880

331,474

266,013

246,381

Cash and cash equivalents

589,484

548,483

711,913

643,617

644,462

Interest bearing balances due from banks - time

100

100

100

100

100

Investment securities -

held-to-maturity

—

—

—

—

3,591,531

Investment securities -

available-for-sale

3,077,181

3,152,286

3,266,221

3,319,277

2,405,320

Mortgage loans held for sale

16,450

14,311

17,438

15,507

16,972

Assets held in trading accounts

14,541

14,543

11,685

12,695

—

Loans:

Loans

18,062,369

17,932,883

17,492,179

17,188,817

17,111,096

Allowance for credit losses on loans

(238,227

)

(229,908

)

(224,377

)

(258,006

)

(253,537

)

Net loans

17,824,142

17,702,975

17,267,802

16,930,811

16,857,559

Premises and equipment

552,435

557,873

561,220

568,343

573,160

Foreclosed assets and other real estate owned

11,080

12,475

12,009

6,386

8,794

Interest receivable

103,016

101,557

104,062

104,383

120,443

Bank owned life insurance

545,252

542,486

540,001

539,372

535,481

Goodwill

1,320,799

1,320,799

1,320,799

1,320,799

1,320,799

Other intangible assets

78,228

81,325

84,423

87,520

90,617

Other assets

644,108

643,570

643,204

659,352

528,382

Total assets

$

24,776,816

$

24,692,783

$

24,540,877

$

24,208,162

$

26,693,620

LIABILITIES AND STOCKHOLDERS’ EQUITY

Deposits:

Noninterest bearing transaction accounts

$

4,350,474

$

4,289,697

$

4,330,211

$

4,377,232

$

4,468,237

Interest bearing transaction accounts and savings deposits

11,133,265

11,311,979

11,141,169

10,932,914

11,176,791

Time deposits

4,244,371

4,601,107

4,712,658

4,527,587

6,179,962

Total deposits

19,728,110

20,202,783

20,184,038

19,837,733

21,824,990

Federal funds purchased and securities sold under agreements to repurchase

46,216

8,708

21,383

22,348

31,306

Other borrowings

941,256

446,756

302,253

18,832

634,349

Subordinated notes and debentures

312,028

315,700

317,714

648,976

366,369

Accrued interest and other liabilities

267,347

281,102

296,249

326,310

287,396

Total liabilities

21,294,957

21,255,049

21,121,637

20,854,199

23,144,410

Stockholders’ equity:

Common stock

1,444

1,451

1,448

1,447

1,260

Surplus

2,837,845

2,848,952

2,846,581

2,848,977

2,518,286

Undivided profits

937,307

901,696

864,341

817,022

1,410,564

Accumulated other comprehensive (loss) income

(294,737

)

(314,365

)

(293,130

)

(313,483

)

(380,900

)

Total stockholders’ equity

3,481,859

3,437,734

3,419,240

3,353,963

3,549,210

Total liabilities and stockholders’ equity

$

24,776,816

$

24,692,783

$

24,540,877

$

24,208,162

$

26,693,620

Page 1

Simmons First National Corporation

SFNC

Consolidated Statements of Income - Quarter-to-Date

For the Quarters Ended

(Unaudited)

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

($ in thousands, except per share data)

INTEREST INCOME

Loans (including fees)

$

274,271

$

267,287

$

270,868

$

269,210

$

265,373

Interest bearing balances due from banks and federal funds sold

2,058

2,320

2,485

6,421

2,531

Investment securities

31,013

31,882

33,833

37,464

46,898

Mortgage loans held for sale

202

203

227

229

221

Assets held in trading accounts

136

122

118

99

—

TOTAL INTEREST INCOME

307,680

301,814

307,531

313,423

315,023

INTEREST EXPENSE

Time deposits

36,996

39,949

41,989

49,064

57,231

Other deposits

58,536

57,653

60,516

67,546

69,108

Federal funds purchased and securities

—

sold under agreements to repurchase

426

36

57

72

59

Other borrowings

5,873

1,746

2,138

2,957

10,613

Subordinated notes and debentures

5,222

5,262

5,535

7,123

6,188

TOTAL INTEREST EXPENSE

107,053

104,646

110,235

126,762

143,199

NET INTEREST INCOME

200,627

197,168

197,296

186,661

171,824

PROVISION FOR CREDIT LOSSES

Provision for credit losses on loans

17,434

14,622

15,116

15,180

11,945

Provision for credit losses on investment securities - HTM

—

—

—

(3,214

)

—

TOTAL PROVISION FOR CREDIT LOSSES

17,434

14,622

15,116

11,966

11,945

NET INTEREST INCOME AFTER PROVISION

FOR CREDIT LOSSES

183,193

182,546

182,180

174,695

159,879

NONINTEREST INCOME

Service charges on deposit accounts

12,329

12,656

12,669

13,045

12,588

Debit and credit card fees

9,008

8,503

8,660

8,478

8,567

Wealth management fees

10,240

10,533

10,337

9,965

9,464

Mortgage lending income

1,994

1,854

2,232

2,259

1,687

Bank owned life insurance income

4,218

4,218

3,942

3,943

3,890

Other service charges and fees (includes insurance income)

1,551

1,606

1,503

1,474

1,321

Gain (loss) on sale of securities

—

—

—

(801,492

)

—

Other income

8,599

4,827

12,365

6,141

4,837

TOTAL NONINTEREST INCOME

47,939

44,197

51,708

(756,187

)

42,354

NONINTEREST EXPENSE

Salaries and employee benefits

75,590

75,885

72,924

76,249

73,862

Occupancy expense, net

14,715

12,218

11,636

12,106

11,844

Furniture and equipment expense

5,739

5,423

5,304

5,275

5,474

Other real estate and foreclosure expense

695

315

432

200

216

Deposit insurance

4,450

2,295

4,736

5,175

4,917

Other operating expenses

46,550

44,537

44,830

43,027

42,276

TOTAL NONINTEREST EXPENSE

147,739

140,673

139,862

142,032

138,589

NET INCOME (LOSS) BEFORE INCOME TAXES

83,393

86,070

94,026

(723,524

)

63,644

Provision for income taxes

16,702

17,526

15,948

(160,732

)

8,871

NET INCOME (LOSS)

$

66,691

$

68,544

$

78,078

$

(562,792

)

$

54,773

BASIC EARNINGS PER SHARE

$

0.46

$

0.47

$

0.54

$

(4.01

)

$

0.43

DILUTED EARNINGS PER SHARE

$

0.46

$

0.47

$

0.54

$

(4.00

)

$

0.43

Page 2

Simmons First National Corporation

SFNC

Consolidated Risk-Based Capital

For the Quarters Ended

(Unaudited)

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

($ in thousands)

Tier 1 capital

Stockholders’ equity

$

3,481,859

$

3,437,734

$

3,419,240

$

3,353,963

$

3,549,210

Disallowed intangible assets, net of deferred tax

(1,367,717

)

(1,370,562

)

(1,374,839

)

(1,376,255

)

(1,379,104

)

Unrealized loss (gain) on AFS securities

294,737

314,365

293,130

313,483

380,900

Total Tier 1 capital

2,408,879

2,381,537

2,337,531

2,291,191

2,551,006

Tier 2 capital

Subordinated notes and debentures

312,028

315,700

317,714

648,976

366,369

Subordinated debt phase out

—

—

—

(198,000

)

(198,000

)

Qualifying allowance for loan losses and reserve for unfunded commitments

259,693

255,537

250,006

248,710

258,079

Total Tier 2 capital

571,721

571,237

567,720

699,686

426,448

Total risk-based capital

$

2,980,600

$

2,952,774

$

2,905,251

$

2,990,877

$

2,977,454

Risk weighted assets

$

20,771,268

$

20,565,445

$

20,106,493

$

19,861,879

$

20,646,324

Adjusted average assets for leverage ratio

$

23,617,439

$

23,487,513

$

23,224,638

$

23,963,356

$

25,606,135

Ratios at end of quarter

Equity to assets

14.05

%

13.92

%

13.93

%

13.85

%

13.30

%

Tangible common equity to tangible assets

(1)

8.91

%

8.74

%

8.71

%

8.53

%

8.46

%

Common equity Tier 1 ratio (CET1)

11.60

%

11.58

%

11.63

%

11.54

%

12.36

%

Tier 1 leverage ratio

10.20

%

10.14

%

10.06

%

9.56

%

9.96

%

Tier 1 risk-based capital ratio

11.60

%

11.58

%

11.63

%

11.54

%

12.36

%

Total risk-based capital ratio

14.35

%

14.36

%

14.45

%

15.07

%

14.42

%

(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

SFNC

Consolidated Investment Securities

For the Quarters Ended

(Unaudited)

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

($ in thousands)

Investment Securities - End of Period

Held-to-Maturity

U.S. Government agencies

$

—

$

—

$

—

$

—

$

457,228

Mortgage-backed securities

—

—

—

—

1,024,313

State and political subdivisions

—

—

—

—

1,855,614

Other securities

—

—

—

—

254,376

Total

held-to-maturity (net of credit losses)

—

—

—

—

3,591,531

Available-for-Sale

U.S. Treasury

$

—

$

—

$

—

$

—

$

400

U.S. Government agencies

44,425

46,329

47,172

48,355

49,498

Mortgage-backed securities

2,061,760

2,128,732

2,201,958

2,249,593

1,349,991

State and political subdivisions

865,467

838,880

859,071

845,371

807,842

Other securities

105,529

138,345

158,020

175,958

197,589

Total

available-for-sale (net of credit losses)

3,077,181

3,152,286

3,266,221

3,319,277

2,405,320

Total investment securities (net of credit losses)

$

3,077,181

$

3,152,286

$

3,266,221

$

3,319,277

$

5,996,851

Fair value - HTM investment securities

$

—

$

—

$

—

$

—

$

2,891,974

Page 4

Simmons First National Corporation

SFNC

Consolidated Loans

For the Quarters

Ended

(Unaudited)

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

($ in thousands)

Loan Portfolio - End of Period

Consumer:

Credit cards

$

174,148

$

172,610

$

175,760

$

173,020

$

176,166

Other consumer

99,117

96,387

115,472

112,335

123,831

Total consumer

273,265

268,997

291,232

285,355

299,997

Real Estate:

Construction

2,577,630

2,621,859

2,873,807

2,874,823

2,784,578

Single-family residential

2,564,282

2,566,162

2,607,450

2,617,849

2,625,717

Other commercial real estate

8,828,771

8,764,648

8,289,968

7,875,649

7,961,412

Total real estate

13,970,683

13,952,669

13,771,225

13,368,321

13,371,707

Commercial:

Commercial

2,516,607

2,521,440

2,382,339

2,397,388

2,440,507

Agricultural

426,522

333,508

306,300

353,181

333,078

Total commercial

2,943,129

2,854,948

2,688,639

2,750,569

2,773,585

Other

875,292

856,269

741,083

784,572

665,807

Total loans

$

18,062,369

$

17,932,883

$

17,492,179

$

17,188,817

$

17,111,096

Page 5

Simmons First National Corporation

SFNC

Consolidated Allowance and Asset Quality

For the Quarters Ended

(Unaudited)

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

($ in thousands)

Allowance for Credit Losses on Loans

Beginning balance

$

229,908

$

224,377

$

258,006

$

253,537

$

252,168

Loans charged off:

Credit cards

1,368

1,677

1,346

1,862

1,702

Other consumer

350

590

550

600

351

Real estate

5,465

6,629

25,850

1,350

1,450

Commercial

3,520

1,666

22,004

8,079

8,257

Total loans charged off

10,703

10,562

49,750

11,891

11,760

Recoveries of loans previously charged off:

Credit cards

244

468

347

257

334

Other consumer

381

301

163

303

294

Real estate

151

449

105

115

87

Commercial

812

253

390

505

469

Total recoveries

1,588

1,471

1,005

1,180

1,184

Net loans charged off

9,115

9,091

48,745

10,711

10,576

Provision for credit losses on loans

17,434

14,622

15,116

15,180

11,945

Balance, end of quarter

$

238,227

$

229,908

$

224,377

$

258,006

$

253,537

Nonperforming assets

Nonperforming loans:

Nonaccrual loans

$

165,295

$

141,233

$

111,791

$

153,516

$

156,453

Loans past due 90 days or more

753

647

948

423

709

Total nonperforming loans

166,048

141,880

112,739

153,939

157,162

Other nonperforming assets:

Foreclosed assets and other real estate owned

11,080

12,475

12,009

6,386

8,794

Other nonperforming assets

60

181

323

392

759

Total other nonperforming assets

11,140

12,656

12,332

6,778

9,553

Total nonperforming assets

$

177,188

$

154,536

$

125,071

$

160,717

$

166,715

Loans past due 30-89 days (excluding nonaccrual)

$

52,308

$

91,245

$

47,016

$

19,207

$

28,313

Ratios

Allowance for credit losses on loans to total loans

1.32

%

1.28

%

1.28

%

1.50

%

1.48

%

Allowance for credit losses to nonperforming loans

143

%

162

%

199

%

168

%

161

%

Nonperforming loans to total loans

0.92

%

0.79

%

0.64

%

0.90

%

0.92

%

Nonperforming assets to total assets

0.72

%

0.63

%

0.51

%

0.66

%

0.62

%

Annualized net charge offs to average loans (QTD)

0.20

%

0.21

%

1.12

%

0.25

%

0.25

%

Annualized net charge offs to average loans (YTD)

0.21

%

0.21

%

0.47

%

0.24

%

0.24

%

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

2.57

%

2.81

%

2.23

%

3.64

%

2.99

%

Loans past due 30-89 days to total loans

0.29

%

0.51

%

0.27

%

0.11

%

0.17

%

Page 6

Simmons First National Corporation

SFNC

Consolidated - Average Balance Sheet and Net Interest Income Analysis

For the Quarters Ended

(Unaudited)

Three Months Ended

Jun 2026

Three Months Ended

Mar 2026

Three Months Ended

Jun 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

$

199,704

$

2,058

4.13

%

$

251,620

$

2,320

3.74

%

$

219,928

$

2,531

4.62

%

Investment securities - taxable

2,301,053

25,472

4.44

%

2,408,546

26,311

4.43

%

3,483,805

31,233

3.60

%

Investment securities - non-taxable (FTE)

802,448

7,502

3.75

%

820,278

7,542

3.73

%

2,564,037

21,210

3.32

%

Mortgage loans held for sale

13,556

202

5.98

%

13,800

203

5.97

%

13,063

221

6.79

%

Assets held in trading accounts

14,731

136

3.70

%

13,748

122

3.60

%

—

—

0.00

%

Loans - including fees (FTE)

17,956,572

275,339

6.15

%

17,658,807

268,328

6.16

%

17,046,802

266,250

6.26

%

Total interest earning assets (FTE)

21,288,064

310,709

5.85

%

21,166,799

304,826

5.84

%

23,327,635

321,445

5.53

%

Non-earning assets

3,349,957

3,366,206

3,317,496

Total assets

$

24,638,021

$

24,533,005

$

26,645,131

LIABILITIES AND STOCKHOLDERS’ EQUITY

Interest bearing liabilities:

Interest bearing transaction and savings accounts

$

11,192,627

$

58,536

2.10

%

$

11,328,148

$

57,653

2.06

%

$

11,220,060

$

69,108

2.47

%

Time deposits

4,406,355

36,996

3.37

%

4,678,058

39,949

3.46

%

5,820,499

57,231

3.94

%

Total interest bearing deposits

15,598,982

95,532

2.46

%

16,006,206

97,602

2.47

%

17,040,559

126,339

2.97

%

Federal funds purchased and securities sold under agreement to repurchase

57,758

426

2.96

%

17,743

36

0.82

%

32,565

59

0.73

%

Other borrowings

635,693

5,873

3.71

%

192,345

1,746

3.68

%

960,817

10,613

4.43

%

Subordinated notes and debentures

314,108

5,222

6.67

%

318,635

5,262

6.70

%

366,350

6,188

6.77

%

Total interest bearing liabilities

16,606,541

107,053

2.59

%

16,534,929

104,646

2.57

%

18,400,291

143,199

3.12

%

Noninterest bearing liabilities:

Noninterest bearing deposits

4,272,088

4,229,952

4,390,454

Other liabilities

280,861

297,864

308,223

Total liabilities

21,159,490

21,062,745

23,098,968

Stockholders’ equity

3,478,531

3,470,260

3,546,163

Total liabilities and stockholders’ equity

$

24,638,021

$

24,533,005

$

26,645,131

Net interest income (FTE)

$

203,656

$

200,180

$

178,246

Net interest spread (FTE)

3.26

%

3.27

%

2.41

%

Net interest margin (FTE)

3.84

%

3.84

%

3.06

%

Page 7

Simmons First National Corporation

SFNC

Consolidated - Selected Financial Data

For the Quarters Ended

(Unaudited)

Jun 30

Mar 31

Dec 31

Sep 30

Jun 30

2026

2026

2025

2025

2025

($ in thousands, except share data)

QUARTER-TO-DATE

Financial Highlights - As Reported

Net Income (loss)

$

66,691

$

68,544

$

78,078

$

(562,792

)

$

54,773

Diluted earnings per share

0.46

0.47

0.54

(4.00

)

0.43

Return on average assets

1.09

%

1.13

%

1.28

%

-8.96

%

0.82

%

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

1.19

%

1.24

%

1.40

%

-9.46

%

0.91

%

Return on average common equity

7.69

%

8.01

%

9.08

%

-66.29

%

6.20

%

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

13.32

%

13.90

%

15.92

%

-113.56

%

10.73

%

Net interest margin (FTE)

3.84

%

3.84

%

3.81

%

3.50

%

3.06

%

Efficiency ratio (2)

58.72

%

57.56

%

55.52

%

-25.11

%

62.82

%

FTE adjustment

3,029

3,012

2,890

3,811

6,422

Average diluted shares outstanding

145,323,958

145,340,410

145,210,222

140,648,704

126,406,453

Shares repurchased under plan

662,082

—

—

—

—

Average price of shares repurchased

21.52

—

—

—

—

Cash dividends declared per common share

0.215

0.215

0.213

0.213

0.213

Accretable yield on acquired loans

778

902

749

725

1,263

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

Adjusted earnings

$

72,171

$

68,566

$

78,975

$

64,930

$

56,071

Adjusted diluted earnings per share

0.50

0.47

0.54

0.46

0.44

Adjusted return on average assets

1.17

%

1.13

%

1.29

%

1.03

%

0.84

%

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

1.29

%

1.24

%

1.41

%

1.13

%

0.93

%

Adjusted return on average common equity

8.32

%

8.01

%

9.19

%

7.65

%

6.34

%

Adjusted return on tangible common equity

14.37

%

13.91

%

16.10

%

13.62

%

10.97

%

Adjusted efficiency ratio (2)

54.26

%

56.16

%

53.64

%

57.72

%

60.52

%

YEAR-TO-DATE

Financial Highlights - GAAP

Net Income (loss)

$

135,235

$

68,544

$

(397,553

)

$

(475,631

)

$

87,161

Diluted earnings per share

0.93

0.47

(2.95

)

(3.63

)

0.69

Return on average assets

1.11

%

1.13

%

-1.55

%

-2.44

%

0.66

%

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

1.22

%

1.24

%

-1.60

%

-2.54

%

0.74

%

Return on average common equity

7.85

%

8.01

%

-11.45

%

-18.21

%

4.94

%

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

13.61

%

13.90

%

-18.84

%

-30.13

%

8.67

%

Net interest margin (FTE)

3.84

%

3.84

%

3.32

%

3.17

%

3.01

%

Efficiency ratio (2)

58.15

%

57.56

%

460.26

%

-329.30

%

64.86

%

FTE adjustment

6,041

3,012

19,537

16,647

12,836

Average diluted shares outstanding

145,335,181

145,340,410

134,731,180

131,132,891

126,325,650

Cash dividends declared per common share

0.430

0.215

0.850

0.638

0.425

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

Adjusted earnings

$

140,737

$

68,566

$

233,098

$

154,123

$

89,193

Adjusted diluted earnings per share

0.97

0.47

1.73

1.18

0.71

Adjusted return on average assets

1.15

%

1.13

%

0.91

%

0.79

%

0.67

%

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

1.26

%

1.24

%

1.00

%

0.87

%

0.75

%

Adjusted return on average common equity

8.17

%

8.01

%

6.71

%

5.90

%

5.06

%

Adjusted return on tangible common equity

14.14

%

13.91

%

11.78

%

10.37

%

8.86

%

Adjusted efficiency ratio (2)

55.20

%

56.16

%

58.92

%

60.90

%

62.62

%

END OF PERIOD

Book value per share

$

24.11

$

23.70

$

23.62

$

23.18

$

28.17

Tangible book value per share

14.42

14.03

13.91

13.45

16.97

Shares outstanding

144,442,482

145,058,331

144,762,817

144,703,075

125,996,248

Full-time equivalent employees

2,909

2,913

2,917

2,883

2,947

Total number of financial centers

220

221

222

223

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

SFNC

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

For the Quarters Ended

(Unaudited)

Jun 30

Mar 31

Dec 31

Sep 30

Jun 30

2026

2026

2025

2025

2025

(in thousands, except per share data)

QUARTER-TO-DATE

Net income (loss)

$

66,691

$

68,544

$

78,078

$

(562,792

)

$

54,773

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

—

570

—

FDIC Deposit Insurance special assessment

—

(1,984

)

—

—

—

Certain professional services

—

1,200

—

—

—

Severance/early retirement program costs

1,320

283

—

305

1,594

Termination of vendor and software services

—

—

12

—

—

Loss on sale of Equipment Finance business

—

—

1,118

—

—

Loss (gain) on sale of securities

—

—

—

801,492

—

Branch/real estate rightsizing costs, net

6,099

531

85

2,004

163

Tax effect of certain items (1)

(1,939

)

(8

)

(318

)

(176,649

)

(459

)

Certain items, net of tax

5,480

22

897

627,722

1,298

Adjusted earnings (non-GAAP) (2)

$

72,171

$

68,566

$

78,975

$

64,930

$

56,071

Diluted earnings per share

$

0.46

$

0.47

$

0.54

$

(4.00

)

$

0.43

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

—

—

—

FDIC Deposit Insurance special assessment

—

(0.01

)

—

—

—

Certain professional services

—

0.01

—

—

—

Severance/early retirement program costs

0.01

—

—

—

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

0.04

—

—

0.01

—

Tax effect of certain items (1)

(0.01

)

—

(0.01

)

(1.25

)

—

Certain items, net of tax

0.04

—

—

4.46

0.01

Adjusted diluted earnings per share (non-GAAP)

$

0.50

$

0.47

$

0.54

$

0.46

$

0.44

(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

$

47,939

$

44,197

$

51,708

$

(756,187

)

$

42,354

Certain noninterest income items

Loss on early extinguishment of debt

—

—

—

570

—

Loss (gain) on sale of securities

—

—

—

801,492

—

Adjusted noninterest income (non-GAAP)

$

47,939

$

44,197

$

51,708

$

45,875

$

42,354

Other income

$

8,599

$

4,827

$

12,365

$

6,141

$

4,837

Certain other income items

Loss on early extinguishment of debt

—

—

—

570

—

Adjusted other income (non-GAAP)

$

8,599

$

4,827

$

12,365

$

6,711

$

4,837

Noninterest expense

$

147,739

$

140,673

$

139,862

$

142,032

$

138,589

Certain noninterest expense items

Severance/early retirement program costs

(1,320

)

(283

)

—

(305

)

(1,594

)

FDIC Deposit Insurance special assessment

—

1,984

—

—

—

Certain professional services

—

(1,200

)

—

—

—

Termination of vendor and software services

—

—

(12

)

—

—

Loss on sale of Equipment Finance business

—

—

(1,118

)

—

—

Branch/real estate rightsizing costs

(6,099

)

(531

)

(85

)

(2,004

)

(163

)

Adjusted noninterest expense (non-GAAP)

140,320

140,643

138,647

139,723

136,832

Less: Fraud event

—

—

—

—

—

Adjusted noninterest expense, excluding fraud event

(non-GAAP)

$

140,320

$

140,643

$

138,647

$

139,723

$

136,832

Salaries and employee benefits

$

75,590

$

75,885

$

72,924

$

76,249

$

73,862

Certain salaries and employee benefits items

Severance/early retirement program costs

(1,320

)

(283

)

—

(305

)

(1,594

)

Other

4

—

—

(1

)

1

Adjusted salaries and employee benefits

(non-GAAP)

$

74,274

$

75,602

$

72,924

$

75,943

$

72,269

Other operating expenses

$

46,550

$

44,537

$

44,830

$

43,027

$

42,276

Certain other operating expenses items

Certain professional services

—

(1,200

)

—

—

—

Termination of vendor and software services

—

—

(12

)

—

—

Loss on sale of Equipment Finance business

—

—

(1,118

)

—

—

Branch/real estate rightsizing costs

(2,399

)

(205

)

327

(1,556

)

255

Adjusted other operating expenses (non-GAAP)

$

44,151

$

43,132

$

44,027

$

41,471

$

42,531

Page 9

Simmons First National Corporation

SFNC

Reconciliation Of Non-GAAP Financial Measures - Adjusted Earnings -

Year-to-Date

For the Quarters Ended

(Unaudited)

Jun 30

2026

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

(in thousands, except per share data)

YEAR-TO-DATE

Net income (loss)

$

135,235

$

68,544

$

(397,553

)

$

(475,631

)

$

87,161

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

570

570

—

FDIC Deposit Insurance special assessment

(1,984

)

(1,984

)

—

—

—

Certain professional services

1,200

1,200

—

—

—

Severance/early retirement program costs

1,603

283

1,899

1,899

1,594

Termination of vendor and software services

—

—

12

—

—

Loss on sale of Equipment Finance business

—

—

1,118

—

—

Loss (gain) on sale of securities

—

—

801,492

801,492

—

Branch/real estate rightsizing costs, net

6,630

531

3,246

3,161

1,157

Tax effect of certain items (1)

(1,947

)

(8

)

(177,686

)

(177,368

)

(719

)

Certain items, net of tax

5,502

22

630,651

629,754

2,032

Adjusted earnings (non-GAAP) (2)

$

140,737

$

68,566

$

233,098

$

154,123

$

89,193

Diluted earnings per share

$

0.93

$

0.47

$

(2.95

)

$

(3.63

)

$

0.69

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

0.01

—

—

FDIC Deposit Insurance special assessment

(0.01

)

(0.01

)

—

—

—

Certain professional services

0.01

0.01

—

—

—

Severance/early retirement program costs

0.01

—

0.01

0.02

0.01

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

0.04

—

0.02

0.02

0.01

Tax effect of certain items (1)

(0.01

)

—

(1.32

)

(1.34

)

—

Certain items, net of tax

0.04

—

4.68

4.81

0.02

Adjusted diluted earnings per share (non-GAAP)

$

0.97

$

0.47

$

1.73

$

1.18

$

0.71

(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

$

92,136

$

44,197

$

(615,970

)

$

(667,678

)

$

88,509

Certain noninterest income items

Loss on early extinguishment of debt

—

—

570

570

—

Loss (gain) on sale of securities

—

—

801,492

801,492

—

Adjusted noninterest income (non-GAAP)

$

92,136

$

44,197

$

186,092

$

134,384

$

88,509

Other income

$

13,426

$

4,827

$

31,350

$

18,985

$

12,844

Certain other income items

Loss on early extinguishment of debt

—

—

570

570

—

Adjusted other income (non-GAAP)

$

13,426

$

4,827

$

31,920

$

19,555

$

12,844

Noninterest expense

$

288,412

$

140,673

$

565,063

$

425,201

$

283,169

Certain noninterest expense items

Severance/early retirement program costs

(1,603

)

(283

)

(1,899

)

(1,899

)

(1,594

)

FDIC Deposit Insurance special assessment

1,984

1,984

—

—

—

Certain professional services

(1,200

)

(1,200

)

—

—

—

Termination of vendor and software services

—

—

(12

)

—

—

Loss on sale of Equipment Finance business

—

—

(1,118

)

—

—

Branch/real estate rightsizing costs

(6,630

)

(531

)

(3,246

)

(3,161

)

(1,157

)

Adjusted noninterest expense (non-GAAP)

280,963

140,643

558,788

420,141

280,418

Less: Fraud event

—

—

(4,300

)

(4,300

)

(4,300

)

Adjusted noninterest expense, excluding fraud event

(non-GAAP)

$

280,963

$

140,643

$

554,488

$

415,841

$

276,118

Salaries and employee benefits

$

151,475

$

75,885

$

297,859

$

224,935

$

148,686

Certain salaries and employee benefits items

Severance/early retirement program costs

(1,603

)

(283

)

(1,899

)

(1,899

)

(1,594

)

Other

4

—

—

—

1

Adjusted salaries and employee benefits

(non-GAAP)

$

149,876

$

75,602

$

295,960

$

223,036

$

147,093

Other operating expenses

$

91,087

$

44,537

$

176,184

$

131,354

$

88,327

Certain other operating expenses items

Certain professional services

(1,200

)

(1,200

)

—

—

—

Termination of vendor and software services

—

—

(12

)

—

—

Loss on sale of Equipment Finance business

—

—

(1,118

)

—

—

Branch/real estate rightsizing costs

(2,604

)

(205

)

(1,135

)

(1,462

)

94

Adjusted other operating expenses (non-GAAP)

$

87,283

$

43,132

$

173,919

$

129,892

$

88,421

Page 10

Simmons First National Corporation

SFNC

Reconciliation Of Non-GAAP Financial Measures - End of Period

For the Quarters Ended

(Unaudited)

Jun 30

Mar 31

Dec 31

Sep 30

Jun 30

2026

2026

2025

2025

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

$

3,481,859

$

3,437,734

$

3,419,240

$

3,353,963

$

3,549,210

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(78,228

)

(81,325

)

(84,423

)

(87,520

)

(90,617

)

Total intangibles

(1,399,027

)

(1,402,124

)

(1,405,222

)

(1,408,319

)

(1,411,416

)

Tangible common stockholders’ equity

$

2,082,832

$

2,035,610

$

2,014,018

$

1,945,644

$

2,137,794

Total assets

$

24,776,816

$

24,692,783

$

24,540,877

$

24,208,162

$

26,693,620

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(78,228

)

(81,325

)

(84,423

)

(87,520

)

(90,617

)

Total intangibles

(1,399,027

)

(1,402,124

)

(1,405,222

)

(1,408,319

)

(1,411,416

)

Tangible assets

$

23,377,789

$

23,290,659

$

23,135,655

$

22,799,843

$

25,282,204

Ratio of common equity to assets

14.05

%

13.92

%

13.93

%

13.85

%

13.30

%

Ratio of tangible common equity to tangible assets

8.91

%

8.74

%

8.71

%

8.53

%

8.46

%

Calculation of Tangible Book Value per Share

Total common stockholders’ equity

$

3,481,859

$

3,437,734

$

3,419,240

$

3,353,963

$

3,549,210

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(78,228

)

(81,325

)

(84,423

)

(87,520

)

(90,617

)

Total intangibles

(1,399,027

)

(1,402,124

)

(1,405,222

)

(1,408,319

)

(1,411,416

)

Tangible common stockholders’ equity

$

2,082,832

$

2,035,610

$

2,014,018

$

1,945,644

$

2,137,794

Shares of common stock outstanding

144,442,482

145,058,331

144,762,817

144,703,075

125,996,248

Book value per common share

$

24.11

$

23.70

$

23.62

$

23.18

$

28.17

Tangible book value per common share

$

14.42

$

14.03

$

13.91

$

13.45

$

16.97

Calculation of Coverage Ratio of Uninsured,

Non-Collateralized Deposits

Uninsured deposits at Simmons Bank

$

7,213,361

$

7,385,688

$

9,640,677

$

9,565,766

$

8,407,847

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

2,385,340

2,509,728

2,363,327

2,169,362

2,691,215

Less: Intercompany eliminations

324,404

432,795

2,729,191

2,937,147

1,121,932

Total uninsured, non-collateralized deposits

$

4,503,617

$

4,443,165

$

4,548,159

$

4,459,257

$

4,594,700

FHLB borrowing availability

$

5,412,000

$

5,831,000

$

5,999,000

$

6,134,000

$

5,133,000

Unpledged securities

1,488,000

1,571,000

1,480,000

1,575,000

3,697,000

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

1,953,000

1,595,000

1,836,000

1,824,000

1,894,000

Additional liquidity sources

$

8,853,000

$

8,997,000

$

9,315,000

$

9,533,000

$

10,724,000

Uninsured, non-collateralized deposit coverage

ratio

2.0

2.0

2.0

2.1

2.3

(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

SFNC

Reconciliation Of Non-GAAP Financial Measures – Quarter-to-Date

For the Quarters Ended

(Unaudited)

Jun 30

Mar 31

Dec 31

Sep 30

Jun 30

2026

2026

2025

2025

2025

($ in thousands)

Calculation of Adjusted Return on Average Assets & Average Tangible

Assets

Net income (loss)

$

66,691

$

68,544

$

78,078

$

(562,792

)

$

54,773

Amortization of intangibles, net of taxes

2,287

2,288

2,288

2,287

2,289

Total adjusted tangible net income (non-GAAP)

$

68,978

$

70,832

$

80,366

$

(560,505

)

$

57,062

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

—

570

—

FDIC Deposit Insurance special assessment

—

(1,984

)

—

—

—

Certain professional services

—

1,200

—

—

—

Severance/early retirement program costs

1,320

283

—

305

1,594

Termination of vendor and software services

—

—

12

—

—

Loss on sale of Equipment Finance business

—

—

1,118

—

—

Loss (gain) on sale of securities

—

—

—

801,492

—

Branch/real estate rightsizing costs, net

6,099

531

85

2,004

163

Tax effect of certain items (1)

(1,939

)

(8

)

(318

)

(176,649

)

(459

)

Adjusted earnings (non-GAAP)

72,171

68,566

78,975

64,930

56,071

Amortization of intangibles, net of taxes

2,287

2,288

2,288

2,287

2,289

Total adjusted tangible net income (non-GAAP)

$

74,458

$

70,854

$

81,263

$

67,217

$

58,360

Average total assets

$

24,638,021

$

24,533,005

$

24,254,447

$

24,914,922

$

26,645,131

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(80,123

)

(83,248

)

(86,206

)

(89,349

)

(92,432

)

Total average intangibles

(1,400,922

)

(1,404,047

)

(1,407,005

)

(1,410,148

)

(1,413,231

)

Average tangible assets (non-GAAP)

$

23,237,099

$

23,128,958

$

22,847,442

$

23,504,774

$

25,231,900

Return on average assets

1.09

%

1.13

%

1.28

%

-8.96

%

0.82

%

Adjusted return on average assets (non-GAAP)

1.17

%

1.13

%

1.29

%

1.03

%

0.84

%

Return on average tangible assets (non-GAAP)

1.19

%

1.24

%

1.40

%

-9.46

%

0.91

%

Adjusted return on average tangible assets

(non-GAAP)

1.29

%

1.24

%

1.41

%

1.13

%

0.93

%

Calculation of Return on Tangible Common Equity

Net income (loss) available to common stockholders

$

66,691

$

68,544

$

78,078

$

(562,792

)

$

54,773

Amortization of intangibles, net of taxes

2,287

2,288

2,288

2,287

2,289

Total income available to common stockholders

$

68,978

$

70,832

$

80,366

$

(560,505

)

$

57,062

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

—

570

—

FDIC Deposit Insurance special assessment

—

(1,984

)

—

—

—

Certain professional services

—

1,200

—

—

—

Severance/early retirement program costs

1,320

283

—

305

1,594

Termination of vendor and software services

—

—

12

—

—

Loss on sale of Equipment Finance business

—

—

1,118

—

—

Loss (gain) on sale of securities

—

—

—

801,492

—

Branch/real estate rightsizing costs, net

6,099

531

85

2,004

163

Tax effect of certain items (1)

(1,939

)

(8

)

(318

)

(176,649

)

(459

)

Adjusted earnings (non-GAAP)

72,171

68,566

78,975

64,930

56,071

Amortization of intangibles, net of taxes

2,287

2,288

2,288

2,287

2,289

Total adjusted earnings available to common stockholders

(non-GAAP)

$

74,458

$

70,854

$

81,263

$

67,217

$

58,360

Average common stockholders’ equity

$

3,478,531

$

3,470,260

$

3,410,017

$

3,368,308

$

3,546,163

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(80,123

)

(83,248

)

(86,206

)

(89,349

)

(92,432

)

Total average intangibles

(1,400,922

)

(1,404,047

)

(1,407,005

)

(1,410,148

)

(1,413,231

)

Average tangible common stockholders’ equity

(non-GAAP)

$

2,077,609

$

2,066,213

$

2,003,012

$

1,958,160

$

2,132,932

Return on average common equity

7.69

%

8.01

%

9.08

%

-66.29

%

6.20

%

Return on tangible common equity

13.32

%

13.90

%

15.92

%

-113.56

%

10.73

%

Adjusted return on average common equity

(non-GAAP)

8.32

%

8.01

%

9.19

%

7.65

%

6.34

%

Adjusted return on tangible common equity

(non-GAAP)

14.37

%

13.91

%

16.10

%

13.62

%

10.97

%

(1)

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

items.

Page 12

Simmons First National Corporation

SFNC

Reconciliation Of Non-GAAP Financial Measures - Quarter-to-Date (continued)

For the Quarters Ended

(Unaudited)

Jun 30

Mar 31

Dec 31

Sep 30

Jun 30

2026

2026

2025

2025

2025

($ in thousands)

Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)

Noninterest expense (efficiency ratio numerator)

$

147,739

$

140,673

$

139,862

$

142,032

$

138,589

Certain noninterest expense items (non-GAAP)

Severance/early retirement program costs

(1,320

)

(283

)

—

(305

)

(1,594

)

FDIC Deposit Insurance special assessment

—

1,984

—

—

—

Certain professional services

—

(1,200

)

—

—

—

Termination of vendor and software services

—

—

(12

)

—

—

Loss on sale of Equipment Finance business

—

—

(1,118

)

—

—

Branch/real estate rightsizing costs

(6,099

)

(531

)

(85

)

(2,004

)

(163

)

Other real estate and foreclosure expense adjustment

(695

)

(315

)

(432

)

(200

)

(216

)

Amortization of intangibles adjustment

(3,097

)

(3,097

)

(3,097

)

(3,097

)

(3,098

)

Adjusted efficiency ratio numerator

$

136,528

$

137,231

$

135,118

$

136,426

$

133,518

Net interest income

$

200,627

$

197,168

$

197,296

$

186,661

$

171,824

Noninterest income

47,939

44,197

51,708

(756,187

)

42,354

Fully tax-equivalent adjustment (2)

3,029

3,012

2,890

3,811

6,422

Efficiency ratio denominator

251,595

244,377

251,894

(565,715

)

220,600

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

$

251,595

$

244,377

$

251,894

$

236,347

$

220,600

Efficiency ratio (1)

58.72

%

57.56

%

55.52

%

-25.11

%

62.82

%

Adjusted efficiency ratio (non-GAAP) (1)

54.26

%

56.16

%

53.64

%

57.72

%

60.52

%

Calculation of Total Revenue and Adjusted Total Revenue

Net interest income

$

200,627

$

197,168

$

197,296

$

186,661

$

171,824

Noninterest income

47,939

44,197

51,708

(756,187

)

42,354

Total revenue

248,566

241,365

249,004

(569,526

)

214,178

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

$

248,566

$

241,365

$

249,004

$

232,536

$

214,178

Calculation of Pre-Provision Net Revenue

(PPNR)

Net interest income

$

200,627

$

197,168

$

197,296

$

186,661

$

171,824

Noninterest income

47,939

44,197

51,708

(756,187

)

42,354

Total revenue

248,566

241,365

249,004

(569,526

)

214,178

Less: Noninterest expense

147,739

140,673

139,862

142,032

138,589

Pre-Provision Net Revenue (PPNR)

$

100,827

$

100,692

$

109,142

$

(711,558

)

$

75,589

Calculation of Adjusted Pre-Provision Net

Revenue

Pre-Provision Net Revenue (PPNR)

$

100,827

$

100,692

$

109,142

$

(711,558

)

$

75,589

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

—

1,200

—

—

—

Plus: Severance/early retirement program costs

1,320

283

—

305

1,594

Plus: Termination of vendor and software services

—

—

12

—

—

Plus: Loss on sale of Equipment Finance business

—

—

1,118

—

—

Plus: Branch/real estate rightsizing costs, net

6,099

531

85

2,004

163

Adjusted Pre-Provision Net Revenue

$

108,246

$

100,722

$

110,357

$

92,813

$

77,346

(1)

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.

(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

SFNC

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

For the Quarters Ended

(Unaudited)

Jun 30

Mar 31

Dec 31

Sep 30

Jun 30

2026

2026

2025

2025

2025

($ in thousands)

Calculation of Adjusted Return on Average Assets & Average Tangible

Assets

Net income (loss)

$

135,235

$

68,544

$

(397,553

)

$

(475,631

)

$

87,161

Amortization of intangibles, net of taxes

4,575

2,288

9,469

7,181

4,894

Total adjusted tangible net income (non-GAAP)

$

139,810

$

70,832

$

(388,084

)

$

(468,450

)

$

92,055

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

570

570

—

FDIC Deposit Insurance special assessment

(1,984

)

(1,984

)

—

—

—

Certain professional services

1,200

1,200

—

—

—

Severance/early retirement program costs

1,603

283

1,899

1,899

1,594

Termination of vendor and software services

—

—

12

—

—

Loss on sale of Equipment Finance business

—

—

1,118

—

—

Loss (gain) on sale of securities

—

—

801,492

801,492

—

Branch/real estate rightsizing costs, net

6,630

531

3,246

3,161

1,157

Tax effect of certain items (1)

(1,947

)

(8

)

(177,686

)

(177,368

)

(719

)

Adjusted earnings (non-GAAP)

140,737

68,566

233,098

154,123

89,193

Amortization of intangibles, net of taxes

4,575

2,288

9,469

7,181

4,894

Total adjusted tangible net income (non-GAAP)

$

145,312

$

70,854

$

242,567

$

161,304

$

94,087

Average total assets

$

24,585,803

$

24,533,005

$

25,614,700

$

26,073,100

$

26,661,787

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(81,677

)

(83,248

)

(90,913

)

(92,499

)

(94,100

)

Total average intangibles

(1,402,476

)

(1,404,047

)

(1,411,712

)

(1,413,298

)

(1,414,899

)

Average tangible assets (non-GAAP)

$

23,183,327

$

23,128,958

$

24,202,988

$

24,659,802

$

25,246,888

Return on average assets

1.11

%

1.13

%

-1.55

%

-2.44

%

0.66

%

Adjusted return on average assets (non-GAAP)

1.15

%

1.13

%

0.91

%

0.79

%

0.67

%

Return on average tangible assets (non-GAAP)

1.22

%

1.24

%

-1.60

%

-2.54

%

0.74

%

Adjusted return on average tangible assets

(non-GAAP)

1.26

%

1.24

%

1.00

%

0.87

%

0.75

%

Calculation of Return on Tangible Common Equity

Net income (loss) available to common stockholders

$

135,235

$

68,544

$

(397,553

)

$

(475,631

)

$

87,161

Amortization of intangibles, net of taxes

4,575

2,288

9,469

7,181

4,894

Total income available to common stockholders

$

139,810

$

70,832

$

(388,084

)

$

(468,450

)

$

92,055

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

570

570

—

FDIC Deposit Insurance special assessment

(1,984

)

(1,984

)

—

—

—

Certain professional services

1,200

1,200

—

—

—

Severance/early retirement program costs

1,603

283

1,899

1,899

1,594

Termination of vendor and software services

—

—

12

—

—

Loss on sale of Equipment Finance business

—

—

1,118

—

—

Loss (gain) on sale of securities

—

—

801,492

801,492

—

Branch/real estate rightsizing costs, net

6,630

531

3,246

3,161

1,157

Tax effect of certain items (1)

(1,947

)

(8

)

(177,686

)

(177,368

)

(719

)

Adjusted earnings (non-GAAP)

140,737

68,566

233,098

154,123

89,193

Amortization of intangibles, net of taxes

4,575

2,288

9,469

7,181

4,894

Total adjusted earnings available to common stockholders

(non-GAAP)

$

145,312

$

70,854

$

242,567

$

161,304

$

94,087

Average common stockholders’ equity

$

3,474,419

$

3,470,260

$

3,471,531

$

3,492,261

$

3,555,265

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(81,677

)

(83,248

)

(90,913

)

(92,499

)

(94,100

)

Total average intangibles

(1,402,476

)

(1,404,047

)

(1,411,712

)

(1,413,298

)

(1,414,899

)

Average tangible common stockholders’ equity

(non-GAAP)

$

2,071,943

$

2,066,213

$

2,059,819

$

2,078,963

$

2,140,366

Return on average common equity

7.85

%

8.01

%

-11.45

%

-18.21

%

4.94

%

Return on tangible common equity

13.61

%

13.90

%

-18.84

%

-30.13

%

8.67

%

Adjusted return on average common equity

(non-GAAP)

8.17

%

8.01

%

6.71

%

5.90

%

5.06

%

Adjusted return on tangible common equity

(non-GAAP)

14.14

%

13.91

%

11.78

%

10.37

%

8.86

%

(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

SFNC

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

For the Quarters Ended

(Unaudited)

Jun 30

Mar 31

Dec 31

Sep 30

Jun 30

2026

2026

2025

2025

2025

($ in thousands)

Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)

Noninterest expense (efficiency ratio numerator)

$

288,412

$

140,673

$

565,063

$

425,201

$

283,169

Certain noninterest expense items (non-GAAP)

Severance/early retirement program costs

(1,603

)

(283

)

(1,899

)

(1,899

)

(1,594

)

FDIC Deposit Insurance special assessment

1,984

1,984

—

—

—

Certain professional services

(1,200

)

(1,200

)

—

—

—

Termination of vendor and software services

—

—

(12

)

—

—

Loss on sale of Equipment Finance business

—

—

(1,118

)

—

—

Branch/real estate rightsizing costs

(6,630

)

(531

)

(3,246

)

(3,161

)

(1,157

)

Other real estate and foreclosure expense adjustment

(1,003

)

(308

)

(1,046

)

(614

)

(414

)

Amortization of intangibles adjustment

(6,194

)

(3,097

)

(12,819

)

(9,722

)

(6,625

)

Adjusted efficiency ratio numerator

$

273,766

$

137,238

$

544,923

$

409,805

$

273,379

Net interest income

$

397,795

$

197,168

$

719,203

$

521,907

$

335,246

Noninterest income

92,136

44,197

(615,970

)

(667,678

)

88,509

Fully tax-equivalent adjustment (2)

6,041

3,012

19,537

16,647

12,836

Efficiency ratio denominator

495,972

244,377

122,770

(129,124

)

436,591

Certain noninterest income items (non-GAAP)

Loss on early extinguishment of debt

—

—

570

570

—

(Gain) loss on sale of securities

—

—

801,492

801,492

—

Adjusted efficiency ratio denominator

$

495,972

$

244,377

$

924,832

$

672,938

$

436,591

Efficiency ratio (1)

58.15

%

57.56

%

460.26

%

-329.30

%

64.86

%

Adjusted efficiency ratio (non-GAAP) (1)

55.20

%

56.16

%

58.92

%

60.90

%

62.62

%

(1)

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.

(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

EX-99.2

Filename: d123214dex992.htm · Sequence: 3

EX-99.2

Exhibit 99.2 Nasdaq SFNC nd 2 Quarter 2026 Earnings Presentation July

16, 2026

Company Overview Simmons First National Corporation A Mid-South based

financial holding company serving our $24.8 $19.7 customers and the communities where we work and live since 1903 BILLION BILLION TOTAL ASSETS TOTAL DEPOSITS $10.4 $18.1 CONSECUTIVE YEARS 3 117 PAYING DIVIDENDS BILLION BILLION ASSETS UNDER TOTAL

LOANS MANAGEMENT/ ADMINISTRATION YEARS OF SERVICE 123 14.35% 8.91% 1 TOTAL RBC RATIO TCE RATIO FINANCIAL CENTERS 220 ACROSS SIX STATES 3.8% 92% 2 DIVIDEND YIELD LOAN TO DEPOSIT RATIO 1.32% 0.20% ACL TO TOTAL NET CHARGE-OFF LOANS RATIO Figures

presented on this slide are as of June 30, 2026, unless otherwise noted 2 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 2 Based on July 9, 2026, closing stock price of $22.72

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

2Q26 Financial Highlights 3

2Q26 Highlights 1 ❑ On track to deliver double-digit PPNR growth

in 2026 1 1 Reported Adjusted ─ Adjusted PPNR growth of 40% year-over-year ─ Balanced revenue growth led by an 8% increase in noninterest income 2 ─ Stable net interest margin of 3.84%; cost of deposits declined 3 bps Net income

$66.7M $72.2M 1 ─ Adjusted noninterest expense down slightly on a linked quarter basis 1 EPS (diluted) $0.46 $0.50 ─ Adjusted efficiency ratio improved to 54.26%, down 190 bps ❑ Balance Sheet ROAA 1.09% 1.17% ─ 3% annualized

linked quarter increase in total loans; up 7% annualized in 1H26 ─ 6% annualized linked quarter increase in noninterest bearing deposits Revenue $248.6M $248.6M ❑ Credit quality 1 ─ Net charge-offs of 20 bps PPNR $100.8M $108.2M

─ Provision expense exceeded net charge-offs by $8.3 million; ACL ratio at 1.32% 2 NIM 3.84% ─ Loans past due 30-89 days declined 22 bps on a linked quarter basis ─ Classified and criticized loans continued to reflect positive

migration trends NCO ratio 20 bps ─ Linked quarter increase in NPLs reflects fully migrated single real estate construction relationship previously disclosed in 1Q26 ACL ratio 1.32% ❑ Strong Capital Position ─ $14.2 million of

shares repurchased during the quarter ─ CET1 ratio at 11.60%, up 2 bps Comparisons on this page are 2Q26 vs 1Q26, unless otherwise noted 1 Non-GAAP measures that management believes aid in the discussion of results. See Appendix for Non-GAAP

reconciliations 2 Net interest margin (NIM) is presented on a fully taxable equivalent (FTE) basis using an effective tax rate of 26.135% 4

Income Statement Highlights 2 2 Net Interest Income Adjusted Total

Revenue Adjusted PPNR $ in millions $ in millions $ in millions +16% +17% +40% $249.0 $248.6 $200.6 $110.4 $108.2 $197.3 $197.2 $241.4 $100.7 $232.5 $92.8 $186.7 $214.2 $77.3 $171.8 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25

1Q26 2Q26 1 NIM 3.06% 3.84% 3.84% 3.50% 3.81% 2 2 2 Adjusted NIE Adjusted Net Income Adjusted Diluted EPS $ in millions $ in millions +29% +14% +3% $79.0 $0.54 $72.2 $0.50 $68.6 $64.9 $140.6 $0.47 $140.3 $0.46 $139.7 $0.44 $56.1 $138.6 $136.8 2Q25

3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 PPNR – Pre-provision net revenue NIE – Noninterest Expense 5 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 +78 bps 2 bps 2 bps 3.84% 3.84% 3.81% 3.84% 3.84% (1) bp 3.50% (3) bps 3.06% Loan Day 2Q26 1Q26 Funding Hedges/ Yield Rate Count Other 2Q25 3Q25 4Q25 1Q26 2Q26 Select Yields/Rates FTE (%) Commentary 6.31 6.26 6.23 6.16 6.15

❑ Favorable repricing of fixed-rate loans continues to be a tailwind 4.30 4.26 ❑ Deposit costs down 3 bps from 1Q26 levels aided by a 4% annualized 4.25 4.01 3.48 linked quarter increase in average noninterest bearing deposits ❑

Utilization of short-term FHLB advances rather than brokered deposits given favorable pricing 2.36 2.25 2.04 1.96 1.93 ❑ Hedging income of $5.5 million in 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 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% 6

Noninterest Income 1 1 2Q26 Adjusted 2Q26 vs Adjusted 1 $ in millions

Reported 1Q26 2Q25 Adjusted Commentary Service charges on deposit accounts $ 12.3 $ 12.3 $(0.3) ( 3) % $(0.3) ( 2) % ❑ Linked quarter increase primarily driven by: Wealth management fees 10.2 1 0.2 ( 0.3) ( 3) 0.8 8 • $0.5M increase in

debit and credit card fees Debit and credit card fees 9.0 9.0 0 .5 6 0.4 5 • $0.4M increase in swap fee income Mortgage lending income 2 .0 2.0 0.1 8 0.3 18 • Increase in “other” income primarily due to $1.1M positive SBIC

valuation adjustment Bank owned life insurance 4 .2 4.2 - - 0.3 8 Swap fee income 2 .2 2.2 0.4 24 1.3 155 Other service charges and fees 1 .6 1.6 ( 0.1) ( 3) 0.2 17 Other 6 .4 6.4 3.3 108 2.4 61 Total noninterest income $ 47.9 $ 47.9 $ 3.7 8 % $ 5.6

13 % 1 Adjusted Total Revenue Per Employee Adjusted Noninterest Income Adjusted PPNR per Avg. Diluted Share 1 1 (FTE) to Adjusted Total Revenue +21% ($ in thousands) 20.8% $0.76 $0.74 $85.4 19.8% $85.5 19.7% $82.9 19.3% $0.69 $80.7 $0.66 18.3% $0.61

$72.7 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 Totals may not foot due to rounding FTE – Full-time equivalent 7 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for

Non-GAAP reconciliations

Noninterest Expense 1 1 2Q26 Adjusted 2Q26 vs Adjusted Commentary 1 $ in

millions Reported 1Q26 2Q25 1 Adjusted ❑ Adjusted efficiency ratio improves 626 bps year-over- year to 54.26% Salaries and employee benefits $ 75.6 $ 74.3 $(1.3) (2) % $ 2.0 3 % ❑ Continuation of efficiency initiatives more than

funding ongoing business investments Occupancy expense, net 14.7 11.0 (0.9) (7) (0.4) (4) • Eliminated 39 positions resulting in $1.3 million of severance costs Furniture and equipment 5.7 5.7 0.3 6 0.3 5 • Exited or optimized 4

corporate/branch locations Deposit insurance 4.5 4.5 0.2 4 (0.5) (9) resulting in ~53,000 square foot reduction, or 2.1% of total real estate footprint; $6.1 million one-time costs OREO and foreclosure expense 0.7 0.7 0.4 126 0.5 222 • ~8.6%

reduction in total square footage since the beginning of 2025 Other 46.6 44.2 1.0 2 1.6 4 • <1 year estimated earnback from combined 2Q26 Total noninterest expense $147.7 $140.3 $(0.3) - % $ 3.5 3 % initiatives 1 Adjusted Efficiency Ratio

Employees (FTE) # of Financial Centers 626 bp improvement 2,947 223 223 222 221 2,917 220 2,913 60.52% 2,909 57.72% 2,883 56.16% 54.26% 53.64% 190 bps 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 Note: Numbers may not

add 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

Deposits, Interest Rate Sensitivity, Hedging Program and Capital

9

Deposits Deposit Mix $ in billions; Period End Balances 63% interest

bearing Evolution of Funding Rates 1 deposit beta since 2Q24 $19.8 $20.2 $21.8 $20.2 $19.7 5.33% 9.3% 9.4% 9.2% 5.27% 9.5% 14.8% 4.66% 12.5% 13.4% 14.2% 13.8% 4.33% 4.33% 4.30% 13.5% Customer 3.90% 3.64% 3.63% 14.7% 14.0% 13.2% 3.53% 3.52% 13.3%

3.28% 13.4% Deposits 3.05% 2.97% 2.86% 2.62% 2.47% 2.46% 90.8% 41.4% 41.7% 2.79% 2.79% 41.8% 41.8% 2.60% 37.8% 2.44% 2.36% 2.25% 2.04% 1.96% 1.93% Interest Bearing Deposits Cost of Deposits Avg Fed Funds Rate 22.1% 21.5% 21.2% 22.1% 20.5% 2Q24 3Q24

4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 Noninterest Bearing Interest Bearing Transaction Accounts Time Deposits Public Funds (interest bearing) Brokered Deposits 2 Linked Quarter Deposit Change $ in millions; Period End Balances

Commentary ❑ Continued to effectively manage deposit costs, reflected by 3 bps decrease Total Deposits $(475) on a linked quarter basis Noninterest Bearing Transaction Accounts $70 ❑ 6% annualized linked quarter increase in noninterest

bearing deposits Interest Bearing Transaction and Savings Accounts $(154)❑ Decrease in public funds reflects normal seasonality ❑ Decrease in time deposits reflects continued, planned run-off of non- Time Deposits $(82) relationship

CDs or subsequent reinvestment into lower cost deposits Public Funds (interest bearing) $(201) ❑ Reduced utilization of brokered deposits given favorable FHLB pricing Brokered (MM & CDs) and Other Non-Customer Deposits $(108) ❑

~77% of deposits are FDIC insured or are collateralized deposits Totals may not add due to rounding Source: Average Fed Funds rate based on data from www.macrotrends.net 10 1 Deposit beta calculated as change in cost of deposits from 2Q24 to 2Q26

divided by the change in quarterly average Federal Funds Effective rate for 2Q24 vs 2Q26 2 Linked quarter change is 2Q26 vs 1Q26

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

Portfolio – Repricing and Maturity (contractual) $ in millions At June 30, 2026 $ in millions Weighted Average Rates Repricing Term Rate Structure 3 mo 3-12 1-3 3-5 Over 5 3.38% 3.91% 3.10% 3.86% 3.02% 3.71% 2.72% Total Variable Fixed or less

mo years years years $1,715.3 RE - Construction $ 2,285.0 $ 139.0 $ 72.4 $ 75.1 $ 6.1 $ 2,577.6 $ 2,189.2 $ 388.4 RE - Commercial 4,767.2 1,438.3 1,439.2 711.8 472.3 8,828.8 4,709.6 4,119.2 RE - Single-Family 753.0 324.9 475.4 373.8 637.3 2,564.3

1,451.1 1,113.2 $794.1 $776.6 Commercial (C&I) 1,714.9 159.8 284.1 281.1 76.7 2,516.6 1,720.7 795.9 $375.2 $211.8 $128.7 $88.8 Consumer 207.1 14.9 36.7 7.5 7.0 273.3 203.3 70.0 1 Other 824.0 31.1 40.3 37.4 369.1 1,301.8 796.3 505.6 3Q26 4Q26

1Q27 2Q27 Total $ 10,551.1 $ 2,108.0 $ 2,348.0 $ 1,486.7 $ 1,568.5 $ 18,062.4 $ 11,070.1 $ 6,992.3 Customer CDs Brokered CDs 2 6.57% 4.96% 6.17% 6.48% 4.78% 6.15% 6.57% 5.54% 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 12 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 ❑ ~$83 million of projected securities principal maturities per quarter Up 50 bps 0.7% ❑ ~$2.6 billion of loans with a weighted average rate of less than 4% repricing over the next three

years; ~$1.8 billion of which reprices in the next twelve months 4 Up 25 bps 0.4% ❑ ~27% of customer interest bearing deposits are tied to index rates, principally Fed Funds target rate Down 25 bps (0.8)% Assumes an immediate, parallel change

in interest rates and static balance sheet as of June 30, 2026. Totals may not add due to rounding 1 Other includes agriculture, mortgage warehouse and other loans 11 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 June 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 Swap Income Hedging Program Update $

in millions; Based on forward rates ❑ No additional hedging instruments added during 2Q26 $4.9 $3.9❑ Net interest income (NII) sensitivity remains slightly asset sensitive $3.8 $3.6 $3.5 ❑ Hedging strategy designed to manage

interest rate risk position to slightly asset sensitive 3Q26 4Q26 1Q27 2Q27 3Q27 $ in Millions Quarterly Average (Notional) Annual Average (Notional) Hedged Item Quarter Initiated Rate Protection 2Q26 3Q26 4Q26 1Q27 2Q27 3Q27 2027 2028 2029 2030

Variable rate loans 3Q25 Down rate $ 1,000.0 $ 1,000.0 $ 1,000.0 $ 1,000.0 $ 1,000.0 $ 1,000.0 $ 1,000.0 $ 899.6 $ 209.6 $ - Variable rate CMBS 3Q25 Down rate 300.0 260.9 200.0 200.0 200.0 123.9 130.4 - - - 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 (up rate - down rate) $ 623.3 $ 584.2 $ 523.3 $ 523.3 $ 523.3 $ 447.2 $

453.7 $ 287.4 $ 480.4 $ 244.0 Quarterly Fixed Rate Annual Fixed Rate Hedged Item Receive Pay 2Q26 3Q26 4Q26 1Q27 2Q27 3Q27 2027 2028 2029 2030 Variable rate loans Fixed SOFR based 3.24% 3.24% 3.24% 3.24% 3.24% 3.24% 3.24% 3.26% 3.22% - Variable rate

CMBS Fixed SOFR based 3.82% 3.53% 3.07% 3.07% 3.07% 3.07% 3.07% - - - Subordinated debt Fixed SOFR based 3.56% 3.56% 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 June 30, 2026. Does not include potential impact of hedge ineffectiveness that is recorded in interest income. 12

Capital: Focused on maintaining a strong capital position 1 1 CET 1

Capital Ratio Tier 1 Leverage Ratio 12.36% 10.14% 10.06% 10.20% 11.63% 11.58% 9.96% 11.54% 11.60% 9.56% Commentary 9.87% 8.17% ❑ Share Repurchase Program Adj. ▪ Repurchased approximately 0.7 million shares Reported HTM during 2Q26 at an

average price of $21.52 2,3 Loss ▪ Remaining authorization under 2026 Program of approximately $161 million 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 WELL CAPITALIZED WELL CAPITALIZED 5.0% 6.5% 1 1 Total Risk-Based Capital Ratio

Capital Ratios (at 6/30/26) Tier 1 Risk-Based Capital Ratio 15.07% 14.35% 14.45% 14.42% 14.36% 12.36% Equity to Assets 11.54% 11.63% 11.58% 11.60% 14.1% 12.03% 9.87% 2 Tangible Common Equity Ratio 8.9% 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26

2Q26 WELL CAPITALIZED WELL CAPITALIZED 8.0% 10.0% 1 2Q26 data as of June 30, 2026, 1Q26 data as of March 31, 2026, 4Q25 data as of December 31, 2025, 3Q25 data as of September 30, 2025, and 2Q25 data as of June 30, 2025 2 Non-GAAP measures that

management believes aid in the discussion of results. See Appendix for Non-GAAP reconciliations 13 3 Black bars in each of the graphs above represent the respective capital ratio adjusted for the loss on held-to-maturity securities prior to the

balance sheet repositioning that occurred in 3Q25, which are Non-GAAP metrics. See footnote #2

Loan Portfolio and Credit Quality 14

Loans: Well-diversified, granular portfolio and conservative credit

culture Loan Portfolio Waterfall Linked Quarter Change by Loan Type $ in millions $ in millions Total Loans $129 $2,469 $147 $18,062 $17,933 RE – Commercial $64 $(2,487) RE – Construction $(44) 1 Funded loans Paydowns/ Other /advances

payoffs Commercial (C&I) $(4) RE – Single Family $(2) Consumer & Other $27 Agricultural $92 Total loans Total loans Mortgage Warehouse $(4) at 3/31/26 at 6/30/26 Unfunded Commitments Commentary $ in millions ❑ Total loans at

$18.1 billion, up 3% on a linked quarter annualized basis RE - Construction C&I RE - Single Family RE - Commercial Agriculture Consumer/Other ❑ Funded balances grew late in the quarter, with period-end total loans $106 million higher than

2Q26 average total loans $4,384 $4,068 $3,947 $3,955 $3,871 ❑ Largest quarterly committed loan production in almost 4 years with $1.8 billion in commitments, driving an 8% linked quarter increase in unfunded 94% variable rate commitments

• 55% tied to Prime • 45% tied to SOFR ❑ Well-diversified, granular portfolio with no significant industry or geographic concentrations 2Q25 3Q25 4Q25 1Q26 2Q26❑ No significant direct exposure to software/technology firms

❑ 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)

15

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 $1,265 $490 ❑ Maintaining prudent underwriting standards and pricing $564

$374 $651 discipline $774 $552 ❑ $374 million of ready to close loans in the commercial $196 $249 $292 $436 1 pipeline as of June 30, 2026, with a rate of 6.73% $217 $105 $199 ❑ Mortgage loan originations in 2Q26 ❑ 81% purchase

❑ 19% refinance $514 $809 $775 $685 $659 $691 $858 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Rate Ready to 7.93% 7.39% 7.35% 7.19% 6.53% 6.40% 6.73% 1 Close Mortgage Loan Volume $ in millions Mortgage Closed Loan Volume Mortgage Pipeline Volume $31

$33 $27 $29 $21 $32 $16 $110 $108 $96 $90 $84 $75 $69 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 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 16

Loans: Conservative LTVs underpin prudent underwriting standards in key

sectors Office (non-owner occupied permanent) Key Statistics At 6/30/26 Loan Portfolio – Geographic diversification By State By State 10% NPL Ratio 0.33% 1% 2% Past Due 30+ Days 1.72% 17% 9% Average Loan Size $3.2M 31% 52% Median Loan Size

$0.5M $1.1B 2% 3% 13% Number of Loans <$1M 62% 4% 1 Average LTV 45.6% $17.5B 13% Weighted Average LTV 54.4% 9% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Multifamily (permanent) Key Statistics At 6/30/26 20% 14% By State 6% NPL Ratio

0.92% 11% Texas Arkansas Tennessee Missouri Past Due 30+ Days 0.00% 40% 3% Oklahoma Kansas Florida Other 4% Average Loan Size $2.8M $0.8B Median Loan Size $0.5M % of Total % of Total 14% Top 10 MSAs Number of Loans <$1M 69% 1 1 Loans Commitments

22% Average LTV 50.1% Houston-Sugarland-Baytown 8.6% 8.5% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Weighted Average LTV 61.7% Dallas-Plano-Irving 8.1% 8.2% Little Rock-North Little Rock-Conway 6.6% 7.3% Retail (non-owner occupied

permanent) Key Statistics At 6/30/26 Nashville-Davidson-Murfreesboro 5.5% 5.7% By State NPL Ratio 0.47% 15% Memphis 4.6% 4.4% 1% Past Due 30+ Days 0.00% Fayetteville-Springdale-Rogers 3.5% 3.9% 5% 47% Average Loan Size $1.9M Fort Worth-Arlington

3.9% 3.8% 6% $1.0B Median Loan Size $1.0M Kansas City 2.5% 2.6% Number of Loans <$1M 50% 13% St. Louis 2.6% 2.4% Average LTV 47.4% Austin-Round Rock-San Marcos 2.2% 2.1% 13% Weighted Average LTV 55.2% Texas Arkansas Tennessee Missouri Oklahoma

Kansas Other Data shown above as of June 30, 2026 1 Total loans or commitments excluding credit card portfolio and mortgage warehouse 17

CLD: Quick recycling of capital given short duration of portfolio

Construction and Land Development (CLD) By State % of Total % of Total Key Statistics At 6/30/26 Top 10 MSAs Loans Commitments NPL Ratio 2.15% 19% Dallas-Plano-Irving 11.3% 12.3% Past Due 30+ Days 0.00% Houston-Sugarland-Baytown 11.3% 11.0% 42%

Average Loan Size $1.4M Nashville-Davidson-Murfreesboro 7.6% 7.4% Median Loan Size $0.3M 13% Phoenix-Mesa-Glendale 6.9% 6.3% $2.6B Number of Loans <$1M 83% Austin-Round Rock-San Marcos 6.5% 5.1% Average LTV 56.3% 2% Fayetteville-Springdale-Rogers

4.6% 5.6% Weighted Average LTV 52.9% 3% Fort Worth-Arlington 4.2% 3.8% Weighted Average Maturity ~18 months 10% 11% Orlando-Kissimmee-Sanford 4.4% 2.9% Texas Arkansas Tennessee Missouri Little Rock-North Little Rock-Conway 3.9% 4.6% Oklahoma Florida

Other Jacksonville, FL 3.3% 3.2% CLD - Industrial Warehouse (non-owner occupied) CLD - Multifamily By State By State Key Statistics At 6/30/26 Key Statistics At 6/30/26 NPL Ratio 0.00% NPL Ratio 0.00% 20% Texas 53% Past Due 30+ Days 0.00% 27% Texas

Past Due 30+ Days 0.00% 35% Arkansas Average Loan Size $16.8M Tennessee Average Loan Size $11.1M Tennessee $0.7B $0.4B Median Loan Size $8.4M Missouri Median Loan Size $5.2M 5% Florida 31% Number of Loans <$1M 24% Florida Number of Loans <$1M

42% 6% Other 8% Average LTV 52.2% Other Average LTV 45.1% 9% 6% Weighted Average LTV 50.2% Weighted Average LTV 45.7% Weighted Average Maturity ~13 months Weighted Average Maturity ~16 months Data shown above as of June 30, 2026 18

Loans: Loan portfolio by type and key credit metrics as of March 31,

2026 as of June 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 173 1% 174 1% 3 1

1 - 3.17% - Consumer – Other 96 1% 99 1% 1 - - 41 3.12% 0.45% Real Estate – Construction 2,622 15% 2,578 14% - 58 56 1,991 2.46% 0.99% Real Estate – Commercial 8,765 49% 8,829 49% 36 213 46 327 1.06% 0.27% Real Estate –

Single-family 2,566 14% 2,564 14% 10 51 44 336 1.52% 0.71% Commercial (C&I) 2,521 14% 2,517 14% 1 38 19 1,506 1.07% 0.13% Mortgage Warehouse 439 2% 435 2% - - - - 0.19% - Agriculture 334 2% 426 2% - - - 169 0.87% 0.28% Other 417 2% 440 3% 1 - -

14 0.55% 0.20% Total Loan Portfolio 17,933 100% 18,062 100% 52 361 166 4,384 1.32% 0.58% Loan Concentration (Holding Company Level) C&D 89% 86% CRE 286% 280% Select Loan Categories Retail 1,188 7% 1,220 7% - 6 5 117 0.67% 0.68% Nursing /

Extended Care 159 1% 158 1% - 46 1 2 8.93% 0.02% Healthcare 527 3% 549 3% - 22 3 133 1.47% 0.47% Multifamily 1,593 9% 1,528 8% - 25 7 665 2.43% 0.34% Hotel 898 5% 969 5% 3 24 4 229 1.09% 1.16% Restaurant 576 3% 575 3% - 15 14 43 1.13% 0.52% NOO

Office 1,231 7% 1,188 7% 19 26 12 82 1.66% 0.65% NOO Industrial Warehouse 1,575 9% 1,541 9% - 16 - 529 0.37% 0.17% 1 Non-Depository Financial Institutions (NDFI) 760 4% 835 5% - 1 1 212 0.37% 0.08% 1 NDFI includes mortgage warehouse disclosed in the

Total Loan Portfolio table above 19

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

in millions 1.75% $275.0❑ Year-to-date net charge-offs of 21 bps; maintain full-year 2026 guidance of ~25 bps 1.50% 1.48% 1.55% ❑ Provision expense exceeded net charge-offs by $8.3M in 2Q26 1.32% 1.28% 1.28% 1.35% $250.0 $258.0 $253.5

❑ Loans past due 30-89 days declined 22 bps on a linked quarter basis 1.15% $238.2 $225.0❑ Continued favorable trends in classified and criticized loans 0.95% $229.9 $224.4▪ Classified loans drop to 2% of total loans 0.75%

▪ Criticized loans drop to less than 3% of total loans; lowest level in last 10 quarters $200.0 0.55% ❑ Top 10 NPLs total $92.7 million with specific reserves of $13.5 million ▪ Linked quarter increase in NPLs reflects fully

migrated single 1-4 family real estate construction 0.35% $175.0 relationship previously disclosed in 1Q26 0.15% ▪ The relationship is isolated within the portfolio and originated from our most recent acquisition $150.0 -0.05% ❑

Moody’s June 30, 2026, Economic Scenario 2Q25 3Q25 4Q25 1Q26 2Q26 ▪ Baseline (80%); S1 (10%); S3 (10%) – weightings consistent with prior quarter and reflects a ACL ACL to Total Loans notably more pessimistic Moody’s outlook

in all scenarios Provision and Net Charge-Offs Reserve for Unfunded Commitments $ in millions $ in millions $50.0 1.00% $17.4 0.80% $14.6 0.66% 0.65% 0.65% 0.63% Incremental 0.58% $8.3 0.60% provision for $5.5 growth in loan $25.0 portfolio and

$25.6 $25.6 $25.6 $25.6 $25.6 0.40% changes in Moody’s macro Net 0.20% Net economic $9.1 $9.1 Charge-Offs Charge-Offs forecast 20 bps 21 bps $0.0 0.00% 2Q25 3Q25 4Q25 1Q26 2Q26 Unfunded Commitment Reserve Reserve to Unfunded Commitments 1Q26

2Q26 20

Credit Quality Top 10 Nonperforming Loans Industry Outstanding Specific

Reserve % Credit Quality Metrics 1 1-4 Family Commercial CLD $44.0M 11% 0.92% 0.92% 0.90% 2 CLD – NOO Office $8.3M 21% 0.79% 3 CRE – Owner Occupied/C&I $7.0M - 0.72% 0.66% 0.64% 0.62% 0.63% 4 Multifamily $6.6M 15% 0.51% 56% 5 1-4

Family Rental Real Estate $5.9M 9% 0.51% of total 6 CRE – NOO Retail $4.6M 18% NPLs 0.29% 0.27% 7 C&I/1-4 Family CLD $4.4M 45% 0.17% 0.11% 8 CRE – NOO Other $4.2M 15% 2Q25 3Q25 4Q25 1Q26 2Q26 9 CRE/C&I – Owner Occupied

$4.1M 22% NPL to Loans NPA to Assets Past Due 30-89 to Loans 10 CRE – NOO Office $3.6M 26% Classified Loans Criticized Loans $ in millions $ in millions $500.0 $800.0 $775.0 3.89% 3.89% 2.50% 2.50% $750.0 $475.0 $725.0 3.50% 2.50% 2.24% 2.22%

$700.0 3.28% $450.0 $675.0 2.00% $650.0 2.90% $425.0 $625.0 $668.2 $666.3 $430.3 $600.0 $428.2 $400.0 $575.0 $612.5 2.50% $550.0 $588.5 $398.1 $375.0 $525.0 $392.3 $500.0 $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% 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 Classifed Loans % of Total Loans Criticized Loans % of Total Loans 21

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,”

“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 earnback from combined 2Q26 initiatives set for the on slide 8; the interest rate sensitivity estimates and

projections set forth on slide 11; the estimates related to the hedging program (including estimated future swap income) set forth on slide 12; and the commentary regarding net charge-off guidance set forth on slide 20. 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 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, 10-Q for the quarter ended March 31, 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, FDIC deposit insurance special assessment, and certain

professional services. 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. 22

Appendix 23

Select Balance Sheet and Other Data 2Q26 vs 1Q26 2Q26 vs 2Q25 $ in

millions, except per share data 2Q26 1Q26 2Q25 $ Change % Change $ Change % Change Period End Balances Total loans $18,062.4 $17,932.9 $17,111.1 $129.5 1 % $951.3 6 % Investment securities 3,077.2 3,152.3 5,996.9 ( 75.1) (2) (2,919.7) (49) Total

assets 2 4,776.8 24,692.8 26,693.6 8 4.0 - (1,916.8) (7) Total deposits 19,728.1 20,202.8 21,825.0 ( 474.7) (2) (2,096.9) (10) Borrowed funds 1 ,299.5 771.2 1,032.0 528.3 69 267.5 26 Total stockholders' equity 3 ,481.9 3,437.7 3,549.2 4 4.1 1 (

67.4) (2) Average Balances Total loans $17,956.6 $17,658.8 $17,046.8 $297.8 2 % $909.8 5 % Investment securities 3,103.5 3,228.8 6,047.8 ( 125.3) (4) (2,944.3) (49) Total assets 24,638.0 24,533.0 26,645.1 105.0 - (2,007.1) (8) Total deposits

19,871.1 20,236.2 2 1,431.0 (365.1) (2) (1,559.9) (7) Borrowed funds 1,007.6 528.7 1,359.7 478.8 91 ( 352.2) (26) Total stockholders' equity 3,478.5 3,470.3 3,546.2 8.3 - ( 67.6) (2) Select Other Data Equity to assets 14.05 % 13.92 % 13.30 % 1 8.91

8.74 8.46 Tangible common equity to tangible assets Book value per share $24.11 $23.70 $28.17 1 14.42 14.03 16.97 Tangible book value per share Allowance for credit losses to total loans 1.32 % 1.28 % 1.48 % Nonperforming loan coverage ratio 143 162

161 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 24

Income Summary 1 1 2Q26 Adjusted 2Q26 vs Adjusted 1 $ in millions,

except per share data Reported 1Q26 2Q25 Adjusted Net interest income $200.6 $200.6 $3.5 2 % $28.8 17 % Noninterest income 47.9 47.9 3.7 8 5 .6 13 Total revenue 248.6 248.6 7.2 3 34.4 16 Noninterest expense 147.7 140.3 (0.3) - 3.5 3 2 100.8 108.2

7.5 7 30.9 40 Pre-provision net revenue Provision for credit losses 17.4 17.4 2.8 19 5 .5 46 Provision for income taxes 16.7 18.6 1.1 6 9 .3 100 Earnings $ 66.7 $ 72.2 $3.6 5 % $16.1 29 % Diluted EPS $ 0.46 $ 0.50 $0.03 6 % $0.06 14 % 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 25 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 2Q 3Q 4Q 1Q 2Q $ in thousands, except per

share data 2025 2025 2025 2026 2026 1 Calculation of Adjusted Earnings Net Income (Loss) $ 54,773 $ (562,792) $ 78,078 $ 68,544 $ 66,691 Certain items Branch/real estate rightsizing, net 163 2,004 85 531 6,099 Loss on sale of equipment finance

business - - 1,118 - - Loss (gain) on sale of securities - 801,492 - - - Severance/early retirement program 1,594 305 - 283 1,320 Loss on early extinguishment of debt - 570 - - - Termination of vendor and software services - - 12 - - FDIC Deposit

Insurance special assessment - - - (1,984) - Professional services - - - 1,200 - Tax effect (459) (176,649) (318) (8) (1,939) Certain items, net of tax 1,298 627,722 897 22 5,480 Adjusted earnings (non-GAAP) $ 56,071 $ 64,930 $ 78,975 $ 68,566 $

72,171 1 Calculation of Earnings and Adjusted Earnings per Diluted Share Earnings available to common shareholders $ 54,773 $ (562,792) $ 78,078 $ 68,544 $ 66,691 Diluted earnings per share $ 0.43 $ (4.00) $ 0.54 $ 0.47 $ 0.46 Adjusted earnings

available to common shareholders (non-GAAP) $ 56,071 $ 64,930 $ 78,975 $ 68,566 $ 72,171 Adjusted diluted earnings per share (non-GAAP) $ 0.44 $ 0.46 $ 0.54 $ 0.47 $ 0.50 Average Diluted Shares Outstanding 126,406,453 140,648,704 145,210,222

145,340,410 145,323,958 1 In this presentation, “Adjusted Earnings” may also be referred to as “Adjusted Net Income” 26

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

thousands Calculation of Pre-Provision Net Revenue (PPNR) Net interest income $ 171,824 $ 186,661 $ 197,296 $ 197,168 $ 200,627 Plus: Noninterest income 42,354 (756,187) 51,708 44,197 47,939 Less: Noninterest expense 138,589 142,032 139,862 140,673

147,739 Pre-Provision Net Revenue (PPNR) (non-GAAP) $ 75,589 $ (711,558) $ 109,142 $ 100,692 $ 100,827 Calculation of Adjusted Pre-Provision Net Revenue Pre-Provision Net Revenue (PPNR) (non-GAAP) $ 75,589 $ (711,558) $ 109,142 $ 100,692 $ 100,827

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 163 2,004 85 531 6,099 Plus: Severance/early retirement program 1,594 305 - 283

1,320 Plus: Loss on early extinguishment of debt - 570 - - - Plus: Termination of vendor and software services - - 12 - - Plus: Professional services - - - 1,200 - Less: FDIC Deposit Insurance special assessment - - - 1,984 - Adjusted Pre-Provision

Net Revenue (non-GAAP) $ 77,346 $ 92,813 $ 110,357 $ 100,722 $ 108,246 Calculation of Book Value and Tangible Book Value per Share Total common stockholders' equity $ 3,549,210 $ 3,353,963 $ 3,419,240 $ 3,437,734 $ 3,481,859 Intangible assets:

Goodwill (1,320,799) (1,320,799) (1,320,799) (1,320,799) (1,320,799) Other intangible assets (90,617) (87,520) (84,423) (81,325) (78,228) Total intangible assets (1,411,416) (1,408,319) (1,405,222) (1,402,124) (1,399,027) Tangible common

stockholders' equity (non-GAAP) $ 2,137,794 $ 1,945,644 $ 2,014,018 $ 2,035,610 $ 2,082,832 Shares of common stock outstanding 125,996,248 144,703,075 144,762,817 145,058,331 144,442,482 Book value per common share $ 28.17 $ 23.18 $ 23.62 $ 23.70 $

24.11 Tangible book value per common share (non-GAAP) $ 16.97 $ 13.45 $ 13.91 $ 14.03 $ 14.42 27

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

thousands, except number of employees (FTE) Calculation of Total Revenue and Adjusted Total Revenue Net Interest Income (GAAP) $ 171,824 $ 186,661 $ 197,296 $ 197,168 $ 200,627 Noninterest Income (GAAP) 42,354 (756,187) 51,708 44,197 47,939 Total

Revenue (non-GAAP) $ 214,178 $ (569,526) $ 249,004 $ 241,365 $ 248,566 Total Revenue (non-GAAP) $ 214,178 $ (569,526) $ 249,004 $ 241,365 $ 248,566 Less: Gain (loss) on sales of securities - (801,492) - - - Less: Loss on early extinguishment of debt

- (570) - - - Adjusted Total Revenue (non-GAAP) $ 214,178 $ 232,536 $ 249,004 $ 241,365 $ 248,566 Employees (FTE) 2,947 2,883 2,917 2,913 2,909 Total Revenue per Employee (FTE) $ 72.68 $ (197.55) $ 85.36 $ 82.86 $ 85.45 Adjusted Total Revenue per

Employee (FTE) $ 72.68 $ 80.66 $ 85.36 $ 82.86 $ 85.45 Calculation of Adjusted Noninterest Income Noninterest Income (GAAP) $ 42,354 $ (756,187) $ 51,708 $ 44,197 $ 47,939 Less: Gain (loss) on sale of securities - (801,492) - - - Less: Loss on early

extinguishment of debt - (570) - - - Adjusted Noninterest Income (non-GAAP) $ 42,354 $ 45,875 $ 51,708 $ 44,197 $ 47,939 Calculation of Noninterest Income to Total Revenue Noninterest Income to Total Revenue 19.78% NM 20.77% 18.31% 19.29% Adjusted

Noninterest Income to Adjusted Total Revenue (non-GAAP) 19.78% 19.73% 20.77% 18.31% 19.29% Calculation of PPNR and Adjusted PPNR Per Share Average Diluted Shares Outstanding 126,406,453 140,648,704 145,210,222 145,340,410 145,323,958 PPNR per

Average Diluted Shares Outstanding $ 0.60 $ (5.06) $ 0.75 $ 0.69 $ 0.69 Adjusted PPNR per Average Diluted Shares Outstanding (non-GAAP) $ 0.61 $ 0.66 $ 0.76 $ 0.69 $ 0.74 FTE – Full time equivalent NM – Not meaningful 28

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

thousands Calculation of Adjusted Noninterest Expense Noninterest Expense (GAAP) $ 138,589 $ 142,032 $ 139,862 $ 140,673 $ 147,739 Less: Branch/real estate rightsizing expense 163 2,004 85 531 6,099 Less: Severance/early retirement program 1,594 305

- 283 1,320 Less: Loss on sale of equipment finance business - - 1,118 - - Less: Termination of vendor and software services - - 12 - - Less: Professional services - - - 1,200 - Plus: FDIC Deposit Insurance special assessment - - - 1,984 - Adjusted

Noninterest Expense (non-GAAP) $ 136,832 $ 139,723 $ 138,647 $ 140,643 $ 140,320 Calculation of Efficiency Ratio and Adjusted Efficiency Ratio Noninterest Expense (efficiency ratio numerator) $ 138,589 $ 142,032 $ 139,862 $ 140,673 $ 147,739 Total

Revenue $ 214,178 $ (569,526) $ 249,004 $ 241,365 $ 248,566 Fully taxable equivalent adjustment ___ _ _6,422 ___ _ _3,811 ___ _ _2,890 ___ _ _3,012 ___ _ _3,029 Efficiency ratio denominator $ 220,600 $ (565,715) $ 251,894 $ 244,377 $ 251,595

Efficiency ratio (based on GAAP figures) 62.82% (25.11)% 55.52% 57.56% 58.72% Adjusted Noninterest Expense (non-GAAP) $ 136,832 $ 139,723 $ 138,647 $ 140,643 $ 140,320 Less: Other real estate and foreclosure expense 216 200 432 315 695 Less:

Amortization of intangible assets ___ __ 3,098 ___ __ 3,097 ___ __ 3,097 ___ __ 3,097 ___ __ 3,097 Adjusted efficiency ratio numerator (non-GAAP) $ 133,518 $ 136,426 $ 135,118 $ 137,231 $ 136,528 Adjusted Total Revenue (non-GAAP) (reconciliation

shown on page 28) $ 214,178 $ 232,536 $ 249,004 $ 241,365 $ 248,566 Fully taxable equivalent adjustment ___ _ _6,422 ___ _ _3,811 ___ _ _2,890 ___ _ _3,012 ___ _ _3,097 Adjusted efficiency ratio denominator (non-GAAP) $ 220,600 $ 236,347 $ 251,894 $

244,377 $ 251,595 Adjusted Efficiency Ratio (non-GAAP) 60.52% 57.72% 53.64% 56.16% 54.26% Fully taxable equivalent adjustment using an effective tax rate of 26.135% 29

Non-GAAP Reconciliations 2Q 1Q 2Q 2025 2026 2026 $ in thousands

Calculation of Adjusted Salaries and Employee Benefits Salaries and employee benefits (GAAP) $ 73,862 $ 75,885 $ 75,590 Less: Severance/early retirement program 1,594 283 1,320 Less: Other (1) - (4) Total Adjusted Salaries and Employee Benefits

(non-GAAP) $ 72,269 $ 75,602 $ 74,274 Calculation of Adjusted Occupancy Expense, Net Occupancy expense, net (GAAP) $ 11,844 $ 12,218 $ 14,715 Less: Branch/real estate rightsizing expense 396 298 3,670 Total Adjusted Occupancy Expense (non-GAAP) $

11,448 $ 11,920 $ 11,045 Calculation of Adjusted Furniture and Equipment Expense Furniture and Equipment Expense (GAAP) $ 5,474 $ 5,423 $ 5,739 Less: Branch/real estate rightsizing expense 23 21 34 Total Adjusted Furniture and Equipment Expense

(non-GAAP) $ 5,451 $ 5,402 $ 5,705 Calculation of Adjusted Other Noninterest Expense Other noninterest expense (GAAP) $ 42,276 $ 44,537 $ 46,550 Less: Loss on sale of equipment finance business - - - Less: Branch/real estate rightsizing expense

(255) 205 2,399 Less: Termination of vendor and software services - - - Less: Certain professional services - 1,200 - Total Adjusted Other Noninterest Expense (non-GAAP) $ 42,531 $ 43,132 $ 44,151 Calculation of Adjusted Provision for Income Taxes

Provision for income taxes (GAAP) $ 8,871 $ 17,526 $ 16,702 Less: Tax effect of certain items (non-GAAP) (reconciliation shown on page 26) (459) (8) (1,939) Adjusted provision for income taxes (non-GAAP) $ 9,330 $ 17,534 $ 18,641 30

Non-GAAP Reconciliations 2Q 1Q 2Q 2Q 2025 2026 2026 2026 $ in thousands

$ in thousands Calculation of Adjusted Other Real Estate and Foreclosure Expense Calculation of Adjusted ROAA Other real estate and foreclosure expense (GAAP) $ 216 $ 315 $ 695 Net income $ 66,691 Less: Branch right sizing expense - 7 - Adjusted

earnings (non-GAAP) (reconciliation shown on page 26) $ 72,171 Total Adjusted Other Real Estate and Foreclosure Expense (non-GAAP) $ 216 $ 308 $ 695 Average assets $ 24,638,021 Calculation of Adjusted Deposit insurance Return on average assets

(ROAA) 1.09% Deposit insurance (GAAP) $ 4,917 $ 2,295 $ 4,450 Adjusted ROAA (non-GAAP) 1.17% Less: FDIC Deposit Insurance special assessment - (1,984) - Total Adjusted Deposit Insurance (non-GAAP) $ 4,917 $ 4,279 $ 4,450 Calculation of Insured,

Collateralized Deposits to Total Deposits Uninsured deposits at Simmons Bank $ 7,213,361 2Q Less: Collateralized deposits (excluding portion that is FDIC insured) 2,385,340 2026 $ in thousands Less: Intercompany eliminations _____ 324,404 Total

uninsured, non-collateralized deposits (non-GAAP) $ 4,503,617 Calculation of Tangible Common Equity (TCE) Total common stockholders’ equity $ 3,481,859 Total deposits $ 19,728,110 Less: Intangible assets 1,399,027 Total tangible common

stockholders’ equity (non-GAAP) $ 2,082,832 Less: Total uninsured, noncollateralized deposits (non-GAAP) 4,503,617 Total insured, collateralized deposits (non-GAAP) $ 15,224,493 Total assets $ 24,776,816 Less: Intangible assets 1,399,027 Total

Insured, collateralized deposits to total deposits (non-GAAP) 77% Total tangible assets $ 23,377,789 Common equity to total assets 14.05% Tangible common equity to tangible common assets (non-GAAP) 8.91% 31

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

Calculation of Tier 1 Leverage Ratio Calculation of Total Risk-Based Capital Ratio Stockholders’ equity $ 3,549,210 Tier 1 capital 2,551,006 Less: Disallowed intangible assets, net of deferred tax 1,379,104 Plus: Subordinated notes and

debentures 366,369 Less: Unrealized loss (gain) on AFS securities 380,900 Less: Subordinated debt phase out (198,000) Tier 1 capital $ 2,551,006 Plus: Qualifying allowance for credit losses and reserve for unfunded commitments 258,079 Total

risk-based capital $ 2,977,454 Tier 1 capital $ 2,551,006 Less: Market value adjustment on HTM securities transferred to AFS, net of tax 501,063 Total risk-based capital $ 2,977,454 Adjusted Tier 1 capital $ 2,049,943 Less: Loss on securities sale

and repositioning 606,729 Adjusted total risk-based capital $ 2,370,725 Average assets for leverage ratio $ 25,606,135 Less: Market value adjustment on HTM securities transferred to AFS, net of tax 501,063 Risk weighted assets $ 20,646,324 Adjusted

average assets for leverage ratio $ 25,105,072 Less: Securities sale and repositioning (assuming 32.9% risk weighting) 943,205 Adjusted risk weighted assets $ 19,703,119 Tier 1 Leverage Ratio 9.96% Adjusted Tier 1 Leverage Ratio (Economic Capital)

(non-GAAP) 8.17% Total Risk-Based Capital Ratio 14.42% Adjusted Total Risk-Based Capital Ratio (Economic Capital) (non-GAAP) 12.03% 1 Calculation of CET 1 Capital Ratio Tier 1 capital $ 2,551,006 Less: Loss on securities sale and repositioning

606,729 Adjusted Tier 1 capital $ 1,944,277 Risk weighted assets $ 20,646,324 Less: Securities sale and repositioning (assuming 32.9% risk weighting) 943,205 Adjusted risk weighted assets $ 19,703,119 CET 1 Capital Ratio 12.36% Adjusted CET 1

Capital Ratio Ratio (Economic Capital) (non-GAAP) 9.87% 1 At June 30, 2025, the CET 1 Capital Ratio and the Tier 1 Risk-Based Capital Ratio were the same for the Company 32

Nasdaq SFNC nd 2 Quarter 2026 Earnings Presentation July 16,

2026

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