Form 8-K

8-K — SIMMONS FIRST NATIONAL CORP

Accession: 0001193125-26-159123

Filed: 2026-04-16

Period: 2026-04-16

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 — d102541d8k.htm (Primary)

EX-99.1 (d102541dex991.htm)

EX-99.2 (d102541dex992.htm)

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8-K

8-K (Primary)

Filename: d102541d8k.htm · Sequence: 1

8-K

SIMMONS FIRST NATIONAL CORP false 0000090498 0000090498 2026-04-16 2026-04-16

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) April 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 April 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 April 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 April 16, 2026

Exhibit 99.2

Investor Presentation issued on April 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

Date: April 16, 2026

/s/ C. Daniel Hobbs

C. Daniel Hobbs, Executive Vice President and

Chief Financial Officer

EX-99.1

EX-99.1

Filename: d102541dex991.htm · Sequence: 2

EX-99.1

Exhibit 99.1

April 16, 2026

Simmons First National Corporation Reports First Quarter EPS of $0.47

FINANCIAL HIGHLIGHTS

1Q26

4Q25

1Q25

1Q26 Highlights

INCOME STATEMENT SUMMARY (in

millions)

Comparisons reflect 1Q26 vs 4Q25

unless otherwise noted

•

Net income of $68.5 million and diluted EPS of $0.47

•

Adjusted net income1 of $68.6 million and adjusted diluted EPS1 of $0.47

•

ROAA of 1.13% and ROE of 8.01%

•

Adjusted ROAA1 of 1.13%; adjusted ROTCE1 of

13.91%

•

Total revenue of $241.4 million and PPNR1 of $100.7 million

•

Net interest margin up 3 bps to 3.84%; cost of deposits down 8 bps to 1.96%

•

Efficiency ratio of 57.56%; adjusted efficiency ratio1 of 56.16%

•

Broad based growth drives total loans up 10% annualized

•

Unfunded commitments up 5%

•

Total average deposits up 6% annualized

•

Provision expense exceeded net charge-offs by $5.5 million

•

NCO ratio at 21 bps for 1Q26; ACL steady at 1.28%

Total revenue

$

241.4

$

249.0

$

209.6

Adjusted total

revenue1

241.4

249.0

209.6

Pre-provision net revenue1 (PPNR)

100.7

109.1

65.0

Adjusted pre-provision net revenue1

100.7

110.4

66.0

Provision for credit losses

14.6

15.1

26.8

Net income

68.5

78.1

32.4

Adjusted net income1

68.6

79.0

33.1

PER SHARE DATA

Diluted earnings

$

0.47

$

0.54

$

0.26

Adjusted diluted

earnings1

0.47

0.54

0.26

Cash dividend declared

0.2150

0.2125

0.2125

BALANCE SHEET (in

millions)

Total loans

$

17,933

$

17,492

$

17,094

Total deposits

20,203

20,184

21,685

Total assets

24,693

24,541

26,793

Total shareholders’ equity

3,438

3,419

3,531

ASSET QUALITY

Net charge-off ratio (NCO

ratio)

0.21

%

1.12

%

0.23

%

Allowance for credit losses to loans (ACL)

1.28

1.28

1.48

CAPITAL RATIOS

Equity to assets (EA) ratio

13.92

%

13.93

%

13.18

%

Tangible common equity (TCE)

ratio1

8.74

8.71

8.34

Common equity tier 1 (CET1) ratio

11.58

11.63

12.21

Total risk-based capital ratio

14.36

14.45

14.59

OTHER RATIOS

Return on average assets

1.13

%

1.28

%

0.49

%

Adjusted return on average assets1

1.13

1.29

0.50

Return on average common equity

8.01

9.08

3.69

Return on average tangible common

equity1

13.90

15.92

6.61

Adj. return on avg. tangible common equity1

13.91

16.10

6.75

Net interest margin (FTE)

3.84

3.81

2.95

Efficiency ratio

57.56

55.52

66.94

Adjusted efficiency ratio1

56.16

53.64

64.75

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

Simmons delivered solid results in the first quarter driven by strong loan growth, expanding margin, and continued earnings momentum. Loans grew

10 percent linked quarter annualized, with growth broad-based across geography and industry. Net interest margin expanded linked quarter, increasing three basis points to 3.84 percent, benefiting from disciplined relationship pricing,

fixed rate asset repricing and improving funding costs. Net charge-offs for the quarter were 21 basis points and provision expense exceeded net charge-offs by $5.5 million, primarily due to loan growth.

Looking forward, we remain committed to delivering disciplined growth and designing a more efficient and scalable infrastructure. The talent environment

continues to be favorable and supports our organic growth priorities. We are increasingly optimistic about the prospects for consistently achieving returns that exceed our long-range targets.

Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today reported net income of

$68.5 million for the first quarter of 2026, compared to net income of $78.1 million for the fourth quarter of 2025 and net income of $32.4 million for the first quarter of 2025. Diluted earnings per share were $0.47 for the first

quarter of 2026, compared to $0.54 for the fourth quarter of 2025 and $0.26 for the first quarter of 2025. Adjusted earnings1 for the first quarter of 2026 were $68.6 million, compared to

$79.0 million for the fourth quarter of 2025 and $33.1 million for the first quarter of 2025. Adjusted diluted earnings per share1 for the first quarter of 2026 were $0.47, compared to

$0.54 for the fourth quarter of 2025 and $0.26 for the first quarter of 2025.

For the first quarter of 2026, return on average assets was

1.13 percent and return on average common equity was 8.01 percent. Adjusted return on average assets1 was 1.13 percent and adjusted return on average tangible common equity1 was 13.91 percent.

The table below summarizes the impact of certain items, consisting primarily of

FDIC deposit insurance special assessment, professional services, branch right sizing costs, early retirement program costs and a loss on the sale of equipment finance business. 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

1Q26

4Q25

1Q25

Net income

$

68.5

$

78.1

$

32.4

FDIC deposit insurance special assessment

(2.0

)

—

—

Professional services

1.2

—

—

Branch right sizing costs, net

0.6

0.1

1.0

Early retirement program costs

0.3

—

—

Loss on sale of equipment finance business

—

1.1

—

Total pre-tax impact

0.1

1.2

1.0

Tax effect

—

(0.3

)

(0.3

)

Total impact on earnings

0.1

0.9

0.7

Adjusted earnings1, 3

$

68.6

$

79.0

$

33.1

Diluted EPS

$

0.47

$

0.54

$

0.26

FDIC deposit insurance special assessment

(0.01

)

—

—

Professional services

0.01

—

—

Branch right sizing costs, net

—

—

—

Early retirement program costs

—

—

—

Loss on sale of equipment finance business

—

0.01

—

Total pre-tax impact

—

0.01

—

Tax effect

—

(0.01

)

—

Total impact on earnings

—

—

—

Adjusted Diluted EPS1

$

0.47

$

0.54

$

0.26

Net Interest Income

Net

interest income for the first quarter of 2026 totaled $197.2 million, compared to $197.3 million for the fourth quarter of 2025 and $163.4 million for the first quarter of 2025. The increase in net interest income on a year-over-year

basis was primarily due to a $39.8 million decrease in interest expense, which included a $32.9 million decrease in interest bearing deposit costs and a $6.9 million decrease in the cost of other interest bearing liabilities. The

decrease in interest expense compared to the prior year quarter reflected a reduction of 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 first quarter of 2026 on a fully taxable equivalent basis was 3.84 percent, up 3 basis points compared to 3.81 percent

for the fourth quarter of 2025 and up 89 basis points compared to 2.95 percent for the first quarter of 2025. The increase in net interest margin on a linked quarter basis was driven by a 6 percent annualized increase in average loans,

coupled with a 13 percent annualized increase in average low-cost interest bearing transaction and savings accounts. 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

1Q26

4Q25

3Q25

2Q25

1Q25

Loan yield (FTE)2

6.16

%

6.23

%

6.31

%

6.26

%

6.20

%

Investment securities yield (FTE)2

4.25

4.30

4.01

3.48

3.48

Cost of interest bearing deposits

2.47

2.62

2.86

2.97

3.05

Cost of deposits

1.96

2.04

2.25

2.36

2.44

Net interest spread (FTE)2

3.27

3.18

2.86

2.41

2.30

Net interest margin (FTE)2

3.84

3.81

3.50

3.06

2.95

Noninterest Income

Noninterest income for the first quarter of 2026 was $44.2 million, compared to $51.7 million in the fourth quarter of 2025 and $46.2 million in

the first quarter of 2025. The decrease in noninterest income on a linked quarter basis was primarily due to a Small Business Investment Company (SBIC) negative valuation adjustment in the first quarter of 2026 and proceeds from bank owned life

insurance death benefits recorded in the fourth quarter of 2025, both of which are included in other income in the table below.

Noninterest Income

$ in millions

1Q26

4Q25

3Q25

2Q25

1Q25

Service charges on deposit accounts

$

12.7

$

12.7

$

13.0

$

12.6

$

12.6

Wealth management fees

10.5

10.3

10.0

9.5

9.6

Debit and credit card fees

8.5

8.7

8.5

8.6

8.4

Mortgage lending income

1.9

2.2

2.3

1.7

2.0

Other service charges and fees

1.6

1.5

1.5

1.3

1.3

Bank owned life insurance

4.2

3.9

3.9

3.9

4.1

Gain (loss) on sale of securities

—

—

(801.5

)

—

—

Other income

4.8

12.4

6.1

4.8

8.0

Total noninterest income

$

44.2

$

51.7

$

(756.2

)

$

42.4

$

46.2

Adjusted noninterest income1

$

44.2

$

51.7

$

45.9

$

42.4

$

46.2

Noninterest Expense

Noninterest expense for the first quarter of 2026 was $140.7 million, compared to $139.9 million in the fourth quarter of 2025 and

$144.6 million in the first quarter of 2025. Included in noninterest expense are certain items consisting of branch right sizing costs, early retirement program costs, termination of vendor and software services, FDIC Deposit Insurance special

assessment, professional services and a loss on the sale of an equipment finance business. Collectively, these items totaled $30 thousand in the first quarter of 2026, $1.2 million in the fourth quarter of 2025 and $1.0 million in the

first quarter of 2025. Excluding these items (which are described in the “Reconciliation of Non-GAAP Financial Measures” table below) adjusted noninterest expense1 was $140.6 million in the first quarter of 2026, $138.6 million in the fourth quarter of 2025 and $143.6 million in the first quarter of 2025. The increase in adjusted noninterest

expense on a linked quarter basis was primarily due to an increase in salaries and benefits reflecting a seasonal increase in payroll taxes expense incurred during the first quarter of 2026.

Noninterest Expense

$ in millions

1Q26

4Q25

3Q25

2Q25

1Q25

Salaries and employee benefits

$

75.9

$

72.9

$

76.2

$

73.9

$

74.8

Occupancy expense, net

12.2

11.6

12.1

11.8

12.7

Furniture and equipment

5.4

5.3

5.3

5.5

5.5

Deposit insurance

2.3

4.7

5.2

4.9

5.4

Other real estate and foreclosure expense

0.3

0.4

0.2

0.2

0.2

Other operating expenses

44.5

44.8

43.0

42.3

46.1

Total noninterest expense

$

140.7

$

139.9

$

142.0

$

138.6

$

144.6

Adjusted salaries and employee

benefits1

$

75.6

$

72.9

$

75.9

$

72.3

$

74.8

Adjusted other operating

expenses1

43.1

44.0

41.5

42.5

45.9

Adjusted noninterest expense1

140.6

138.6

139.7

136.8

143.6

Efficiency ratio

57.56

%

55.52

%

(25.11

)%

62.82

%

66.94

%

Adjusted efficiency ratio1

56.16

53.64

57.72

60.52

64.75

Full-time equivalent employees

2,913

2,917

2,883

2,947

2,949

Number of financial centers

221

222

223

223

222

Loans and Unfunded Loan Commitments

Total loans at the end of the first quarter of 2026 were $17.9 billion, up $440.7 million, or 10 percent annualized, compared to

$17.5 billion at the end of the fourth quarter of 2025. The increase in total loans was driven by increases in commercial real estate, commercial and industrial, mortgage warehouse and agricultural portfolios, offset in part by a decrease in

real estate construction. Unfunded loan commitments at the end of the first quarter of 2026 were $4.1 billion, compared to $3.9 billion at the end of the fourth quarter of 2025. The commercial loan pipeline totaled $1.6 billion at the

end of the first quarter of 2026, and ready-to-close commercial loans totaled $651 million with a weighted average rate of 6.40 percent.

Loans and Unfunded Loan Commitments

$ in millions

1Q26

4Q25

3Q25

2Q25

1Q25

Total loans

$

17,933

$

17,492

$

17,189

$

17,111

$

17,094

Unfunded loan commitments

4,068

3,871

3,955

3,947

3,888

Deposits and Other Borrowings

Total deposits at the end of the first quarter of 2026 were $20.2 billion, up $19 million compared to the end of the fourth quarter of 2025. The

increase in total deposits reflected a $214 million increase in interest bearing transaction accounts and savings accounts, offset primarily from the continued planned run-off of higher rate, non-relationship time deposits or subsequent reinvestment of maturing time deposits into lower cost deposits. 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 first quarter of 2026 were $446.8 million, compared to $302.3 million at the end of the fourth quarter of 2025

and $884.9 million at the end of the first quarter of 2025. The decrease in other borrowings on a year-over-year basis reflected a reduction of higher cost wholesale funding, primarily FHLB advances, as part of the balance sheet repositioning

completed during the third quarter of 2025.

Deposits

$ in millions

1Q26

4Q25

3Q25

2Q25

1Q25

Noninterest bearing deposits

$

4,290

$

4,330

$

4,377

$

4,468

$

4,455

Interest bearing transaction accounts

10,667

10,453

10,289

10,532

10,621

Time deposits

3,334

3,508

3,331

3,588

3,695

Brokered deposits

1,912

1,893

1,841

3,237

2,914

Total deposits

$

20,203

$

20,184

$

19,838

$

21,825

$

21,684

Noninterest bearing deposits to total deposits

21

%

21

%

22

%

20

%

21

%

Total loans to total deposits

89

87

87

78

79

Asset Quality

Provision

for credit losses on loans totaled $14.6 million for the first quarter of 2026, compared to $15.1 million in the fourth quarter of 2025 and $26.8 million in the first quarter of 2025. Net charge-offs as a percentage of average loans

for the first quarter of 2026 were 21 basis points, compared to 112 basis points in the fourth quarter of 2025 and 23 basis points in the first quarter of 2025. Provision for credit losses on loans exceeded net charge-offs by $5.5 million

during the first quarter of 2026 primarily as a result of strong loan growth during the quarter. The allowance for credit losses on loans at the end of the first quarter of 2026 was $229.9 million, compared to $224.4 million at the end of

the fourth quarter of 2025 and $252.2 million at the end of the first quarter of 2025. The allowance for credit losses on loans as a percentage of total loans at the end of the first quarter of 2026 was 1.28 percent, unchanged from the end

of the fourth quarter of 2025.

Total nonperforming loans at the end of the first quarter of 2026 totaled $141.9 million, compared to

$112.7 million at the end of the fourth quarter of 2025 and $152.3 million at the end of the first quarter of 2025. The increase in nonperforming loans on a linked quarter basis was primarily due to a single real estate construction

relationship that is well collateralized and that management believes has limited loss content. The nonperforming loan coverage ratio ended the first quarter of 2026 at 162 percent, compared to 199 percent at the end of the fourth quarter

of 2025 and 165 percent at the end of the first quarter of 2025. Total nonperforming assets as a percentage of total assets were 63 basis points at the end of the first quarter of 2026, compared to 51 basis points at the end of the fourth

quarter of 2025 and 61 basis points at the end of the first quarter of 2025.

Asset Quality

$ in millions

1Q26

4Q25

3Q25

2Q25

1Q25

Allowance for credit losses on loans to total loans

1.28

%

1.28

%

1.50

%

1.48

%

1.48

%

Allowance for credit losses on loans to nonperforming loans

162

199

168

161

165

Nonperforming loans to total loans

0.79

0.64

0.90

0.92

0.89

Net charge-off ratio (annualized)

0.21

1.12

0.25

0.25

0.23

Net charge-off ratio YTD (annualized)

0.21

0.47

0.24

0.24

0.23

Total nonperforming loans

$

141.9

$

112.7

$

153.9

$

157.2

$

152.3

Total other nonperforming assets

12.6

12.4

6.8

9.5

10.0

Total nonperforming assets

$

154.5

$

125.1

$

160.7

$

166.7

$

162.3

Reserve for unfunded commitments

$

25.6

$

25.6

$

25.6

$

25.6

$

25.6

Capital

Total

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

was $23.70, compared to $23.62 at the end of the fourth quarter of 2025 and $28.04 at the end of the first quarter of 2025. Tangible book value per share1 at the end of the first quarter of 2026

was $14.03, compared to $13.91 at the end of the fourth quarter of 2025 and $16.81 at the end of the first 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

$37.4 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 first quarter of 2026 was 13.9 percent, unchanged from fourth quarter

of 2025 levels and up from 13.2 percent at the end of the first quarter of 2025. Tangible common equity as a percentage of tangible assets1 was 8.7 percent at the end of the first

quarter of 2026, unchanged from the fourth quarter of 2025 and up from 8.3 percent at the end of the first quarter of 2025. Each of the applicable regulatory capital ratios for Simmons and its principal subsidiary, Simmons Bank, continue to

significantly exceed “well-capitalized” regulatory guidelines.

Select Capital Ratios

1Q26

4Q25

3Q25

2Q25

1Q25

Stockholders’ equity to total assets

13.9

%

13.9

%

13.9

%

13.3

%

13.2

%

Tangible common equity to tangible

assets1

8.7

8.7

8.5

8.5

8.3

Common equity tier 1 (CET1) ratio

11.6

11.6

11.5

12.4

12.2

Tier 1 leverage ratio

10.1

10.1

9.6

10.0

9.8

Tier 1 risk-based capital ratio

11.6

11.6

11.5

12.4

12.2

Total risk-based capital ratio

14.4

14.4

15.1

14.4

14.6

Share Repurchase Program

During the first quarter of 2026, Simmons did not repurchase shares under its stock repurchase program that was authorized in February 2026 (2026 Program) and

which replaced its former repurchase program that was authorized in January 2024. Remaining authorization under the 2026 Program as of March 31, 2026, was approximately $175 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, April 17, 2026. Interested

persons 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 10207627. 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

more than 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 right sizing costs,

early retirement program costs, termination of vendor and software services, FDIC Deposit Insurance special assessment, professional services and a loss on the sale of an equipment finance business.

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 we have 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, 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)

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

Mar 31

2025

($ in thousands)

ASSETS

Cash and noninterest bearing balances due from banks

$

342,603

$

380,439

$

377,604

$

398,081

$

423,171

Interest bearing balances due from banks and federal funds sold

205,880

331,474

266,013

246,381

211,115

Cash and cash equivalents

548,483

711,913

643,617

644,462

634,286

Interest bearing balances due from banks - time

100

100

100

100

100

Investment securities -

held-to-maturity

—

—

—

3,591,531

3,615,556

Investment securities -

available-for-sale

3,152,286

3,266,221

3,319,277

2,405,320

2,491,849

Mortgage loans held for sale

14,311

17,438

15,507

16,972

8,351

Assets held in trading accounts

14,543

11,685

12,695

—

—

Loans:

Loans

17,932,883

17,492,179

17,188,817

17,111,096

17,094,078

Allowance for credit losses on loans

(229,908

)

(224,377

)

(258,006

)

(253,537

)

(252,168

)

Net loans

17,702,975

17,267,802

16,930,811

16,857,559

16,841,910

Premises and equipment

557,873

561,220

568,343

573,160

573,616

Foreclosed assets and other real estate owned

12,475

12,009

6,386

8,794

8,976

Interest receivable

101,557

104,062

104,383

120,443

117,398

Bank owned life insurance

542,486

540,001

539,372

535,481

535,324

Goodwill

1,320,799

1,320,799

1,320,799

1,320,799

1,320,799

Other intangible assets

81,325

84,423

87,520

90,617

93,714

Other assets

643,570

643,204

659,352

528,382

551,112

Total assets

$

24,692,783

$

24,540,877

$

24,208,162

$

26,693,620

$

26,792,991

LIABILITIES AND STOCKHOLDERS’ EQUITY

Deposits:

Noninterest bearing transaction accounts

$

4,289,697

$

4,330,211

$

4,377,232

$

4,468,237

$

4,455,255

Interest bearing transaction accounts and savings deposits

11,311,979

11,141,169

10,932,914

11,176,791

11,265,554

Time deposits

4,601,107

4,712,658

4,527,587

6,179,962

5,963,811

Total deposits

20,202,783

20,184,038

19,837,733

21,824,990

21,684,620

Federal funds purchased and securities sold under agreements to repurchase

8,708

21,383

22,348

31,306

50,133

Other borrowings

446,756

302,253

18,832

634,349

884,863

Subordinated notes and debentures

315,700

317,714

648,976

366,369

366,331

Accrued interest and other liabilities

281,102

296,249

326,310

287,396

275,559

Total liabilities

21,255,049

21,121,637

20,854,199

23,144,410

23,261,506

Stockholders’ equity:

Common stock

1,451

1,448

1,447

1,260

1,259

Surplus

2,848,952

2,846,581

2,848,977

2,518,286

2,515,372

Undivided profits

901,696

864,341

817,022

1,410,564

1,382,564

Accumulated other comprehensive (loss) income

(314,365

)

(293,130

)

(313,483

)

(380,900

)

(367,710

)

Total stockholders’ equity

3,437,734

3,419,240

3,353,963

3,549,210

3,531,485

Total liabilities and stockholders’ equity

$

24,692,783

$

24,540,877

$

24,208,162

$

26,693,620

$

26,792,991

Page 1

Simmons First National Corporation

SFNC

Consolidated Statements of Income -

Quarter-to-Date

For the Quarters Ended

(Unaudited)

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

Mar 31

2025

($ in thousands, except per share data)

INTEREST INCOME

Loans (including fees)

$

267,287

$

270,868

$

269,210

$

265,373

$

257,755

Interest bearing balances due from banks and federal funds sold

2,320

2,485

6,421

2,531

2,703

Investment securities

31,882

33,833

37,464

46,898

47,257

Mortgage loans held for sale

203

227

229

221

122

Assets held in trading accounts

122

118

99

—

—

TOTAL INTEREST INCOME

301,814

307,531

313,423

315,023

307,837

INTEREST EXPENSE

Time deposits

39,949

41,989

49,064

57,231

62,559

Other deposits

57,653

60,516

67,546

69,108

67,895

Federal funds purchased and securities sold under agreements to repurchase

36

57

72

59

113

Other borrowings

1,746

2,138

2,957

10,613

7,714

Subordinated notes and debentures

5,262

5,535

7,123

6,188

6,134

TOTAL INTEREST EXPENSE

104,646

110,235

126,762

143,199

144,415

NET INTEREST INCOME

197,168

197,296

186,661

171,824

163,422

PROVISION FOR CREDIT LOSSES

Provision for credit losses on loans

14,622

15,116

15,180

11,945

26,797

Provision for credit losses on investment securities – HTM

—

—

(3,214

)

—

—

TOTAL PROVISION FOR CREDIT LOSSES

14,622

15,116

11,966

11,945

26,797

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES

182,546

182,180

174,695

159,879

136,625

NONINTEREST INCOME

Service charges on deposit accounts

12,656

12,669

13,045

12,588

12,635

Debit and credit card fees

8,503

8,660

8,478

8,567

8,446

Wealth management fees

10,533

10,337

9,965

9,464

9,629

Mortgage lending income

1,854

2,232

2,259

1,687

2,013

Bank owned life insurance income

4,218

3,942

3,943

3,890

4,092

Other service charges and fees (includes insurance income)

1,606

1,503

1,474

1,321

1,333

Gain (loss) on sale of securities

—

—

(801,492

)

—

—

Other income

4,827

12,365

6,141

4,837

8,007

TOTAL NONINTEREST INCOME

44,197

51,708

(756,187

)

42,354

46,155

NONINTEREST EXPENSE

Salaries and employee benefits

75,885

72,924

76,249

73,862

74,824

Occupancy expense, net

12,218

11,636

12,106

11,844

12,651

Furniture and equipment expense

5,423

5,304

5,275

5,474

5,465

Other real estate and foreclosure expense

315

432

200

216

198

Deposit insurance

2,295

4,736

5,175

4,917

5,391

Other operating expenses

44,537

44,830

43,027

42,276

46,051

TOTAL NONINTEREST EXPENSE

140,673

139,862

142,032

138,589

144,580

NET INCOME (LOSS) BEFORE INCOME TAXES

86,070

94,026

(723,524

)

63,644

38,200

Provision for income taxes

17,526

15,948

(160,732

)

8,871

5,812

NET INCOME (LOSS)

$

68,544

$

78,078

$

(562,792

)

$

54,773

$

32,388

BASIC EARNINGS PER SHARE

$

0.47

$

0.54

$

(4.01

)

$

0.43

$

0.26

DILUTED EARNINGS PER SHARE

$

0.47

$

0.54

$

(4.00

)

$

0.43

$

0.26

Page 2

Simmons First National Corporation

SFNC

Consolidated Risk-Based Capital

For the Quarters Ended

(Unaudited)

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

Mar 31

2025

($ in thousands)

Tier 1 capital

Stockholders’ equity

$

3,437,734

$

3,419,240

$

3,353,963

$

3,549,210

$

3,531,485

Disallowed intangible assets, net of deferred tax

(1,370,562

)

(1,374,839

)

(1,376,255

)

(1,379,104

)

(1,381,953

)

Unrealized loss (gain) on AFS securities

314,365

293,130

313,483

380,900

367,710

Total Tier 1 capital

2,381,537

2,337,531

2,291,191

2,551,006

2,517,242

Tier 2 capital

Subordinated notes and debentures

315,700

317,714

648,976

366,369

366,331

Subordinated debt phase out

—

—

(198,000

)

(198,000

)

(132,000

)

Qualifying allowance for loan losses and reserve for unfunded commitments

255,537

250,006

248,710

258,079

257,769

Total Tier 2 capital

571,237

567,720

699,686

426,448

492,100

Total risk-based capital

$

2,952,774

$

2,905,251

$

2,990,877

$

2,977,454

$

3,009,342

Risk weighted assets

$

20,565,445

$

20,106,493

$

19,861,879

$

20,646,324

$

20,621,540

Adjusted average assets for leverage ratio

$

23,487,513

$

23,224,638

$

23,963,356

$

25,606,135

$

25,619,424

Ratios at end of quarter

Equity to assets

13.92

%

13.93

%

13.85

%

13.30

%

13.18

%

Tangible common equity to tangible assets

(1)

8.74

%

8.71

%

8.53

%

8.46

%

8.34

%

Common equity Tier 1 ratio (CET1)

11.58

%

11.63

%

11.54

%

12.36

%

12.21

%

Tier 1 leverage ratio

10.14

%

10.06

%

9.56

%

9.96

%

9.83

%

Tier 1 risk-based capital ratio

11.58

%

11.63

%

11.54

%

12.36

%

12.21

%

Total risk-based capital ratio

14.36

%

14.45

%

15.07

%

14.42

%

14.59

%

(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)

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

Mar 31

2025

($ in thousands)

Investment Securities - End of Period

Held-to-Maturity

U.S. Government agencies

$

—

$

—

$

—

$

457,228

$

456,545

Mortgage-backed securities

—

—

—

1,024,313

1,048,170

State and political subdivisions

—

—

—

1,855,614

1,856,905

Other securities

—

—

—

254,376

253,936

Total

held-to-maturity (net of credit losses)

—

—

—

3,591,531

3,615,556

Available-for-Sale

U.S. Treasury

$

—

$

—

$

—

$

400

$

699

U.S. Government agencies

46,329

47,172

48,355

49,498

52,318

Mortgage-backed securities

2,128,732

2,201,958

2,249,593

1,349,991

1,380,913

State and political subdivisions

838,880

859,071

845,371

807,842

832,898

Other securities

138,345

158,020

175,958

197,589

225,021

Total

available-for-sale (net of credit losses)

3,152,286

3,266,221

3,319,277

2,405,320

2,491,849

Total investment securities (net of credit losses)

$

3,152,286

$

3,266,221

$

3,319,277

$

5,996,851

$

6,107,405

Fair value - HTM investment securities

$

—

$

—

$

—

$

2,891,974

$

2,929,625

Page 4

Simmons First National Corporation

SFNC

Consolidated Loans

For the Quarters Ended

(Unaudited)

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

Mar 31

2025

($ in thousands)

Loan Portfolio - End of Period

Consumer:

Credit cards

$

172,610

$

175,760

$

173,020

$

176,166

$

179,680

Other consumer

96,387

115,472

112,335

123,831

97,198

Total consumer

268,997

291,232

285,355

299,997

276,878

Real Estate:

Construction

2,621,859

2,873,807

2,874,823

2,784,578

2,778,245

Single-family residential

2,566,162

2,607,450

2,617,849

2,625,717

2,647,451

Other commercial real estate

8,764,648

8,289,968

7,875,649

7,961,412

8,051,304

Total real estate

13,952,669

13,771,225

13,368,321

13,371,707

13,477,000

Commercial:

Commercial

2,521,440

2,382,339

2,397,388

2,440,507

2,372,681

Agricultural

333,508

306,300

353,181

333,078

264,469

Total commercial

2,854,948

2,688,639

2,750,569

2,773,585

2,637,150

Other

856,269

741,083

784,572

665,807

703,050

Total loans

$

17,932,883

$

17,492,179

$

17,188,817

$

17,111,096

$

17,094,078

Page 5

Simmons First National Corporation

SFNC

Consolidated Allowance and Asset Quality

For the Quarters Ended

(Unaudited)

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

Mar 31

2025

($ in thousands)

Allowance for Credit Losses on Loans

Beginning balance

$

224,377

$

258,006

$

253,537

$

252,168

$

235,019

Loans charged off:

Credit cards

1,677

1,346

1,862

1,702

1,460

Other consumer

590

550

600

351

1,133

Real estate

6,629

25,850

1,350

1,450

4,425

Commercial

1,666

22,004

8,079

8,257

4,243

Total loans charged off

10,562

49,750

11,891

11,760

11,261

Recoveries of loans previously charged off:

Credit cards

468

347

257

334

211

Other consumer

301

163

303

294

306

Real estate

449

105

115

87

99

Commercial

253

390

505

469

997

Total recoveries

1,471

1,005

1,180

1,184

1,613

Net loans charged off

9,091

48,745

10,711

10,576

9,648

Provision for credit losses on loans

14,622

15,116

15,180

11,945

26,797

Balance, end of quarter

$

229,908

$

224,377

$

258,006

$

253,537

$

252,168

Nonperforming assets

Nonperforming loans:

Nonaccrual loans

$

141,233

$

111,791

$

153,516

$

156,453

$

151,897

Loans past due 90 days or more

647

948

423

709

494

Total nonperforming loans

141,880

112,739

153,939

157,162

152,391

Other nonperforming assets:

Foreclosed assets and other real estate owned

12,475

12,009

6,386

8,794

8,976

Other nonperforming assets

181

323

392

759

978

Total other nonperforming assets

12,656

12,332

6,778

9,553

9,954

Total nonperforming assets

$

154,536

$

125,071

$

160,717

$

166,715

$

162,345

Ratios

Allowance for credit losses on loans to total loans

1.28

%

1.28

%

1.50

%

1.48

%

1.48

%

Allowance for credit losses to nonperforming loans

162

%

199

%

168

%

161

%

165

%

Nonperforming loans to total loans

0.79

%

0.64

%

0.90

%

0.92

%

0.89

%

Nonperforming assets to total assets

0.63

%

0.51

%

0.66

%

0.62

%

0.61

%

Annualized net charge offs to average loans (QTD)

0.21

%

1.12

%

0.25

%

0.25

%

0.23

%

Annualized net charge offs to average loans (YTD)

0.21

%

0.47

%

0.24

%

0.24

%

0.23

%

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

2.81

%

2.23

%

3.64

%

2.99

%

2.72

%

Page 6

Simmons First National Corporation

SFNC

Consolidated - Average Balance Sheet and Net Interest Income Analysis

For the Quarters Ended

(Unaudited)

Three Months Ended

Mar 2026

Three Months Ended

Dec 2025

Three Months Ended

Mar 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

$

251,620

$

2,320

3.74

%

$

232,046

$

2,485

4.25

%

$

241,021

$

2,703

4.55

%

Investment securities - taxable

2,408,546

26,311

4.43

%

2,490,444

28,235

4.50

%

3,540,559

31,584

3.62

%

Investment securities - non-taxable (FTE)

820,278

7,542

3.73

%

810,597

7,578

3.71

%

2,608,070

21,217

3.30

%

Mortgage loans held for sale

13,800

203

5.97

%

15,738

227

5.72

%

8,142

122

6.08

%

Assets held in trading accounts

13,748

122

3.60

%

12,534

118

3.74

%

—

—

0.00

%

Loans - including fees (FTE)

17,658,807

268,328

6.16

%

17,295,415

271,778

6.23

%

16,920,050

258,625

6.20

%

Total interest earning assets (FTE)

21,166,799

304,826

5.84

%

20,856,774

310,421

5.90

%

23,317,842

314,251

5.47

%

Non-earning assets

3,366,206

3,397,673

3,360,786

Total assets

$

24,533,005

$

24,254,447

$

26,678,628

LIABILITIES AND STOCKHOLDERS’ EQUITY

Interest bearing liabilities:

Interest bearing transaction and savings accounts

$

11,328,148

$

57,653

2.06

%

$

10,971,959

$

60,516

2.19

%

$

11,177,550

$

67,895

2.46

%

Time deposits

4,678,058

39,949

3.46

%

4,573,502

41,989

3.64

%

6,160,429

62,559

4.12

%

Total interest bearing deposits

16,006,206

97,602

2.47

%

15,545,461

102,505

2.62

%

17,337,979

130,454

3.05

%

Federal funds purchased and securities sold under agreement to repurchase

17,743

36

0.82

%

20,990

57

1.08

%

39,797

113

1.15

%

Other borrowings

192,345

1,746

3.68

%

217,996

2,138

3.89

%

706,402

7,714

4.43

%

Subordinated notes and debentures

318,635

5,262

6.70

%

319,162

5,535

6.88

%

366,312

6,134

6.79

%

Total interest bearing liabilities

16,534,929

104,646

2.57

%

16,103,609

110,235

2.72

%

18,450,490

144,415

3.17

%

Noninterest bearing liabilities:

Noninterest bearing deposits

4,229,952

4,412,009

4,342,948

Other liabilities

297,864

328,812

320,721

Total liabilities

21,062,745

20,844,430

23,114,159

Stockholders’ equity

3,470,260

3,410,017

3,564,469

Total liabilities and stockholders’ equity

$

24,533,005

$

24,254,447

$

26,678,628

Net interest income (FTE)

$

200,180

$

200,186

$

169,836

Net interest spread (FTE)

3.27

%

3.18

%

2.30

%

Net interest margin (FTE)

3.84

%

3.81

%

2.95

%

Page 7

Simmons First National Corporation

SFNC

Consolidated - Selected Financial Data

For the Quarters Ended

(Unaudited)

Mar 31

Dec 31

Sep 30

Jun 30

Mar 31

2026

2025

2025

2025

2025

($ in thousands, except share data)

QUARTER-TO-DATE

Financial Highlights - As Reported

Net Income (loss)

$

68,544

$

78,078

$

(562,792

)

$

54,773

$

32,388

Diluted earnings per share

0.47

0.54

(4.00

)

0.43

0.26

Return on average assets

1.13

%

1.28

%

-8.96

%

0.82

%

0.49

%

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

1.24

%

1.40

%

-9.46

%

0.91

%

0.56

%

Return on average common equity

8.01

%

9.08

%

-66.29

%

6.20

%

3.69

%

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

13.90

%

15.92

%

-113.56

%

10.73

%

6.61

%

Net interest margin (FTE)

3.84

%

3.81

%

3.50

%

3.06

%

2.95

%

Efficiency ratio (2)

57.56

%

55.52

%

-25.11

%

62.82

%

66.94

%

FTE adjustment

3,012

2,890

3,811

6,422

6,414

Average diluted shares outstanding

145,340,410

145,210,222

140,648,704

126,406,453

126,336,557

Cash dividends declared per common share

0.215

0.213

0.213

0.213

0.213

Accretable yield on acquired loans

902

749

725

1,263

1,084

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

Adjusted earnings

$

68,566

$

78,975

$

64,930

$

56,071

$

33,122

Adjusted diluted earnings per share

0.47

0.54

0.46

0.44

0.26

Adjusted return on average assets

1.13

%

1.29

%

1.03

%

0.84

%

0.50

%

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

1.24

%

1.41

%

1.13

%

0.93

%

0.57

%

Adjusted return on average common equity

8.01

%

9.19

%

7.65

%

6.34

%

3.77

%

Adjusted return on tangible common equity

13.91

%

16.10

%

13.62

%

10.97

%

6.75

%

Adjusted efficiency ratio (2)

56.16

%

53.64

%

57.72

%

60.52

%

64.75

%

YEAR-TO-DATE

Financial Highlights - GAAP

Net Income (loss)

$

68,544

$

(397,553

)

$

(475,631

)

$

87,161

$

32,388

Diluted earnings per share

0.47

(2.95

)

(3.63

)

0.69

0.26

Return on average assets

1.13

%

-1.55

%

-2.44

%

0.66

%

0.49

%

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

1.24

%

-1.60

%

-2.54

%

0.74

%

0.56

%

Return on average common equity

8.01

%

-11.45

%

-18.21

%

4.94

%

3.69

%

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

13.90

%

-18.84

%

-30.13

%

8.67

%

6.61

%

Net interest margin (FTE)

3.84

%

3.32

%

3.17

%

3.01

%

2.95

%

Efficiency ratio (2)

57.56

%

460.26

%

-329.30

%

64.86

%

66.94

%

FTE adjustment

3,012

19,537

16,647

12,836

6,414

Average diluted shares outstanding

145,340,410

134,731,180

131,132,891

126,325,650

126,336,557

Cash dividends declared per common share

0.215

0.850

0.638

0.425

0.213

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

Adjusted earnings

$

68,566

$

233,098

$

154,123

$

89,193

$

33,122

Adjusted diluted earnings per share

0.47

1.73

1.18

0.71

0.26

Adjusted return on average assets

1.13

%

0.91

%

0.79

%

0.67

%

0.50

%

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

1.24

%

1.00

%

0.87

%

0.75

%

0.57

%

Adjusted return on average common equity

8.01

%

6.71

%

5.90

%

5.06

%

3.77

%

Adjusted return on tangible common equity

13.91

%

11.78

%

10.37

%

8.86

%

6.75

%

Adjusted efficiency ratio (2)

56.16

%

58.92

%

60.90

%

62.62

%

64.75

%

END OF PERIOD

Book value per share

$

23.70

$

23.62

$

23.18

$

28.17

$

28.04

Tangible book value per share

14.03

13.91

13.45

16.97

16.81

Shares outstanding

145,058,331

144,762,817

144,703,075

125,996,248

125,926,822

Full-time equivalent employees

2,913

2,917

2,883

2,947

2,949

Total number of financial centers

221

222

223

223

222

(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)

Mar 31

Dec 31

Sep 30

Jun 30

Mar 31

2026

2025

2025

2025

2025

(in thousands, except per share data)

QUARTER-TO-DATE

Net income (loss)

$

68,544

$

78,078

$

(562,792

)

$

54,773

$

32,388

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

570

—

—

FDIC Deposit Insurance special assessment

(1,984

)

—

—

—

—

Professional services

1,200

—

—

—

—

Early retirement program

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 right sizing (net)

531

85

2,004

163

994

Tax effect of certain items (1)

(8

)

(318

)

(176,649

)

(459

)

(260

)

Certain items, net of tax

22

897

627,722

1,298

734

Adjusted earnings (non-GAAP) (2)

$

68,566

$

78,975

$

64,930

$

56,071

$

33,122

Diluted earnings per share

$

0.47

$

0.54

$

(4.00

)

$

0.43

$

0.26

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

—

—

—

FDIC Deposit Insurance special assessment

(0.01

)

—

—

—

—

Professional services

0.01

—

—

—

—

Early retirement program

—

—

—

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 right sizing (net)

—

—

0.01

—

—

Tax effect of certain items (1)

—

(0.01

)

(1.25

)

—

—

Certain items, net of tax

—

—

4.46

0.01

—

Adjusted diluted earnings per share (non-GAAP)

$

0.47

$

0.54

$

0.46

$

0.44

$

0.26

(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

$

44,197

$

51,708

$

(756,187

)

$

42,354

$

46,155

Certain noninterest income items

Loss on early extinguishment of debt

—

—

570

—

—

Loss (gain) on sale of securities

—

—

801,492

—

—

Adjusted noninterest income (non-GAAP)

$

44,197

$

51,708

$

45,875

$

42,354

$

46,155

Other income

$

4,827

$

12,365

$

6,141

$

4,837

$

8,007

Certain other income items

Loss on early extinguishment of debt

—

—

570

—

—

Adjusted other income (non-GAAP)

$

4,827

$

12,365

$

6,711

$

4,837

$

8,007

Noninterest expense

$

140,673

$

139,862

$

142,032

$

138,589

$

144,580

Certain noninterest expense items

Early retirement program

(283

)

—

(305

)

(1,594

)

—

FDIC Deposit Insurance special assessment

1,984

—

—

—

—

Professional services

(1,200

)

—

—

—

—

Termination of vendor and software services

—

(12

)

—

—

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

—

—

Branch right sizing expense

(531

)

(85

)

(2,004

)

(163

)

(994

)

Adjusted noninterest expense (non-GAAP)

140,643

138,647

139,723

136,832

143,586

Less: Fraud event

—

—

—

—

(4,300

)

Adjusted noninterest expense, excluding fraud event

(non-GAAP)

$

140,643

$

138,647

$

139,723

$

136,832

$

139,286

Salaries and employee benefits

$

75,885

$

72,924

$

76,249

$

73,862

$

74,824

Certain salaries and employee benefits items

Early retirement program

(283

)

—

(305

)

(1,594

)

—

Other

—

—

(1

)

1

—

Adjusted salaries and employee benefits

(non-GAAP)

$

75,602

$

72,924

$

75,943

$

72,269

$

74,824

Other operating expenses

$

44,537

$

44,830

$

43,027

$

42,276

$

46,051

Certain other operating expenses items

Professional services

(1,200

)

—

—

—

—

Termination of vendor and software services

—

(12

)

—

—

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

—

—

Branch right sizing expense

(205

)

327

(1,556

)

255

(161

)

Adjusted other operating expenses (non-GAAP)

$

43,132

$

44,027

$

41,471

$

42,531

$

45,890

Page 9

Simmons First National Corporation

SFNC

Reconciliation Of Non-GAAP Financial Measures - Adjusted Earnings -

Year-to-Date

For the Quarters Ended

(Unaudited)

Mar 31

2026

Dec 31

2025

Sep 30

2025

Jun 30

2025

Mar 31

2025

(in thousands, except per share data)

YEAR-TO-DATE

Net income (loss)

$

68,544

$

(397,553

)

$

(475,631

)

$

87,161

$

32,388

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

570

—

—

FDIC Deposit Insurance special assessment

(1,984

)

—

—

—

—

Professional services

1,200

—

—

—

—

Early retirement program

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 right sizing (net)

531

3,246

3,161

1,157

994

Tax effect of certain items (1)

(8

)

(177,686

)

(177,368

)

(719

)

(260

)

Certain items, net of tax

22

630,651

629,754

2,032

734

Adjusted earnings (non-GAAP) (2)

$

68,566

$

233,098

$

154,123

$

89,193

$

33,122

Diluted earnings per share

$

0.47

$

(2.95

)

$

(3.63

)

$

0.69

$

0.26

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

0.01

—

—

—

FDIC Deposit Insurance special assessment

(0.01

)

—

—

—

—

Professional services

0.01

—

—

—

—

Early retirement program

—

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 right sizing (net)

—

0.02

0.02

0.01

—

Tax effect of certain items (1)

—

(1.32

)

(1.34

)

—

—

Certain items, net of tax

—

4.68

4.81

0.02

—

Adjusted diluted earnings per share (non-GAAP)

$

0.47

$

1.73

$

1.18

$

0.71

$

0.26

(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

$

44,197

$

(615,970

)

$

(667,678

)

$

88,509

$

46,155

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)

$

44,197

$

186,092

$

134,384

$

88,509

$

46,155

Other income

$

4,827

$

31,350

$

18,985

$

12,844

$

8,007

Certain other income items

Loss on early extinguishment of debt

—

570

570

—

—

Adjusted other income (non-GAAP)

$

4,827

$

31,920

$

19,555

$

12,844

$

8,007

Noninterest expense

$

140,673

$

565,063

$

425,201

$

283,169

$

144,580

Certain noninterest expense items

Early retirement program

(283

)

(1,899

)

(1,899

)

(1,594

)

—

FDIC Deposit Insurance special assessment

1,984

—

—

—

—

Professional services

(1,200

)

—

—

—

—

Termination of vendor and software services

—

(12

)

—

—

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

—

—

Branch right sizing expense

(531

)

(3,246

)

(3,161

)

(1,157

)

(994

)

Adjusted noninterest expense (non-GAAP)

140,643

558,788

420,141

280,418

143,586

Less: Fraud event

—

(4,300

)

(4,300

)

(4,300

)

(4,300

)

Adjusted noninterest expense, excluding fraud event

(non-GAAP)

$

140,643

$

554,488

$

415,841

$

276,118

$

139,286

Salaries and employee benefits

$

75,885

$

297,859

$

224,935

$

148,686

$

74,824

Certain salaries and employee benefits items

Early retirement program

(283

)

(1,899

)

(1,899

)

(1,594

)

—

Other

—

—

—

1

—

Adjusted salaries and employee benefits

(non-GAAP)

$

75,602

$

295,960

$

223,036

$

147,093

$

74,824

Other operating expenses

$

44,537

$

176,184

$

131,354

$

88,327

$

46,051

Certain other operating expenses items

Professional services

(1,200

)

—

—

—

—

Termination of vendor and software services

—

(12

)

—

—

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

—

—

Branch right sizing expense

(205

)

(1,135

)

(1,462

)

94

(161

)

Adjusted other operating expenses (non-GAAP)

$

43,132

$

173,919

$

129,892

$

88,421

$

45,890

Page 10

Simmons First National Corporation

SFNC

Reconciliation Of Non-GAAP Financial Measures - End of Period

For the Quarters Ended

(Unaudited)

Mar 31

Dec 31

Sep 30

Jun 30

Mar 31

2026

2025

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

$

3,437,734

$

3,419,240

$

3,353,963

$

3,549,210

$

3,531,485

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(81,325

)

(84,423

)

(87,520

)

(90,617

)

(93,714

)

Total intangibles

(1,402,124

)

(1,405,222

)

(1,408,319

)

(1,411,416

)

(1,414,513

)

Tangible common stockholders’ equity

$

2,035,610

$

2,014,018

$

1,945,644

$

2,137,794

$

2,116,972

Total assets

$

24,692,783

$

24,540,877

$

24,208,162

$

26,693,620

$

26,792,991

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(81,325

)

(84,423

)

(87,520

)

(90,617

)

(93,714

)

Total intangibles

(1,402,124

)

(1,405,222

)

(1,408,319

)

(1,411,416

)

(1,414,513

)

Tangible assets

$

23,290,659

$

23,135,655

$

22,799,843

$

25,282,204

$

25,378,478

Ratio of common equity to assets

13.92

%

13.93

%

13.85

%

13.30

%

13.18

%

Ratio of tangible common equity to tangible assets

8.74

%

8.71

%

8.53

%

8.46

%

8.34

%

Calculation of Tangible Book Value per Share

Total common stockholders’ equity

$

3,437,734

$

3,419,240

$

3,353,963

$

3,549,210

$

3,531,485

Intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangible assets

(81,325

)

(84,423

)

(87,520

)

(90,617

)

(93,714

)

Total intangibles

(1,402,124

)

(1,405,222

)

(1,408,319

)

(1,411,416

)

(1,414,513

)

Tangible common stockholders’ equity

$

2,035,610

$

2,014,018

$

1,945,644

$

2,137,794

$

2,116,972

Shares of common stock outstanding

145,058,331

144,762,817

144,703,075

125,996,248

125,926,822

Book value per common share

$

23.70

$

23.62

$

23.18

$

28.17

$

28.04

Tangible book value per common share

$

14.03

$

13.91

$

13.45

$

16.97

$

16.81

Calculation of Coverage Ratio of Uninsured,

Non-Collateralized Deposits

Uninsured deposits at Simmons Bank

$

7,385,688

$

9,640,677

$

9,565,766

$

8,407,847

$

8,614,833

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

2,509,728

2,363,327

2,169,362

2,691,215

3,005,328

Less: Intercompany eliminations

432,795

2,729,191

2,937,147

1,121,932

1,073,500

Total uninsured, non-collateralized deposits

$

4,443,165

$

4,548,159

$

4,459,257

$

4,594,700

$

4,536,005

FHLB borrowing availability

$

5,831,000

$

5,999,000

$

6,134,000

$

5,133,000

$

4,432,000

Unpledged securities

1,571,000

1,480,000

1,575,000

3,697,000

4,197,000

Fed funds lines, Fed discount window and

Bank Term Funding Program (1)

1,595,000

1,836,000

1,824,000

1,894,000

1,780,000

Additional liquidity sources

$

8,997,000

$

9,315,000

$

9,533,000

$

10,724,000

$

10,409,000

Uninsured, non-collateralized deposit coverage

ratio

2.0

2.0

2.1

2.3

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)

Mar 31

Dec 31

Sep 30

Jun 30

Mar 31

2026

2025

2025

2025

2025

($ in thousands)

Calculation of Adjusted Return on Average Assets & Average Tangible

Assets

Net income (loss)

$

68,544

$

78,078

$

(562,792

)

$

54,773

$

32,388

Amortization of intangibles, net of taxes

2,288

2,288

2,287

2,289

2,605

Total adjusted tangible net income (non-GAAP)

$

70,832

$

80,366

$

(560,505

)

$

57,062

$

34,993

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

570

—

—

FDIC Deposit Insurance special assessment

(1,984

)

—

—

—

—

Professional services

1,200

—

—

—

—

Early retirement program

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 right sizing (net)

531

85

2,004

163

994

Tax effect of certain items (1)

(8

)

(318

)

(176,649

)

(459

)

(260

)

Adjusted earnings (non-GAAP)

68,566

78,975

64,930

56,071

33,122

Amortization of intangibles, net of taxes

2,288

2,288

2,287

2,289

2,605

Total adjusted tangible net income (non-GAAP)

$

70,854

$

81,263

$

67,217

$

58,360

$

35,727

Average total assets

$

24,533,005

$

24,254,447

$

24,914,922

$

26,645,131

$

26,678,628

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(83,248

)

(86,206

)

(89,349

)

(92,432

)

(95,787

)

Total average intangibles

(1,404,047

)

(1,407,005

)

(1,410,148

)

(1,413,231

)

(1,416,586

)

Average tangible assets (non-GAAP)

$

23,128,958

$

22,847,442

$

23,504,774

$

25,231,900

$

25,262,042

Return on average assets

1.13

%

1.28

%

-8.96

%

0.82

%

0.49

%

Adjusted return on average assets (non-GAAP)

1.13

%

1.29

%

1.03

%

0.84

%

0.50

%

Return on average tangible assets (non-GAAP)

1.24

%

1.40

%

-9.46

%

0.91

%

0.56

%

Adjusted return on average tangible assets

(non-GAAP)

1.24

%

1.41

%

1.13

%

0.93

%

0.57

%

Calculation of Return on Tangible Common Equity

Net income (loss) available to common stockholders

$

68,544

$

78,078

$

(562,792

)

$

54,773

$

32,388

Amortization of intangibles, net of taxes

2,288

2,288

2,287

2,289

2,605

Total income available to common stockholders

$

70,832

$

80,366

$

(560,505

)

$

57,062

$

34,993

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

—

570

—

—

FDIC Deposit Insurance special assessment

(1,984

)

—

—

—

—

Professional services

1,200

—

—

—

—

Early retirement program

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 right sizing (net)

531

85

2,004

163

994

Tax effect of certain items (1)

(8

)

(318

)

(176,649

)

(459

)

(260

)

Adjusted earnings (non-GAAP)

68,566

78,975

64,930

56,071

33,122

Amortization of intangibles, net of taxes

2,288

2,288

2,287

2,289

2,605

Total adjusted earnings available to common stockholders

(non-GAAP)

$

70,854

$

81,263

$

67,217

$

58,360

$

35,727

Average common stockholders’ equity

$

3,470,260

$

3,410,017

$

3,368,308

$

3,546,163

$

3,564,469

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(83,248

)

(86,206

)

(89,349

)

(92,432

)

(95,787

)

Total average intangibles

(1,404,047

)

(1,407,005

)

(1,410,148

)

(1,413,231

)

(1,416,586

)

Average tangible common stockholders’ equity

(non-GAAP)

$

2,066,213

$

2,003,012

$

1,958,160

$

2,132,932

$

2,147,883

Return on average common equity

8.01

%

9.08

%

-66.29

%

6.20

%

3.69

%

Return on tangible common equity

13.90

%

15.92

%

-113.56

%

10.73

%

6.61

%

Adjusted return on average common equity

(non-GAAP)

8.01

%

9.19

%

7.65

%

6.34

%

3.77

%

Adjusted return on tangible common equity

(non-GAAP)

13.91

%

16.10

%

13.62

%

10.97

%

6.75

%

(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)

Mar 31

Dec 31

Sep 30

Jun 30

Mar 31

2026

2025

2025

2025

2025

($ in thousands)

Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)

Noninterest expense (efficiency ratio numerator)

$

140,673

$

139,862

$

142,032

$

138,589

$

144,580

Certain noninterest expense items (non-GAAP)

Early retirement program

(283

)

—

(305

)

(1,594

)

—

FDIC Deposit Insurance special assessment

1,984

—

—

—

—

Professional services

(1,200

)

—

—

—

—

Termination of vendor and software services

—

(12

)

—

—

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

—

—

Branch right sizing expense

(531

)

(85

)

(2,004

)

(163

)

(994

)

Other real estate and foreclosure expense adjustment

(315

)

(432

)

(200

)

(216

)

(198

)

Amortization of intangibles adjustment

(3,097

)

(3,097

)

(3,097

)

(3,098

)

(3,527

)

Adjusted efficiency ratio numerator

$

137,231

$

135,118

$

136,426

$

133,518

$

139,861

Net interest income

$

197,168

$

197,296

$

186,661

$

171,824

$

163,422

Noninterest income

44,197

51,708

(756,187

)

42,354

46,155

Fully tax-equivalent adjustment (2)

3,012

2,890

3,811

6,422

6,414

Efficiency ratio denominator

244,377

251,894

(565,715

)

220,600

215,991

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

$

244,377

$

251,894

$

236,347

$

220,600

$

215,991

Efficiency ratio (1)

57.56

%

55.52

%

-25.11

%

62.82

%

66.94

%

Adjusted efficiency ratio (non-GAAP) (1)

56.16

%

53.64

%

57.72

%

60.52

%

64.75

%

Calculation of Total Revenue and Adjusted Total Revenue

Net interest income

$

197,168

$

197,296

$

186,661

$

171,824

$

163,422

Noninterest income

44,197

51,708

(756,187

)

42,354

46,155

Total revenue

241,365

249,004

(569,526

)

214,178

209,577

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

$

241,365

$

249,004

$

232,536

$

214,178

$

209,577

Calculation of Pre-Provision Net Revenue

(PPNR)

Net interest income

$

197,168

$

197,296

$

186,661

$

171,824

$

163,422

Noninterest income

44,197

51,708

(756,187

)

42,354

46,155

Total revenue

241,365

249,004

(569,526

)

214,178

209,577

Less: Noninterest expense

140,673

139,862

142,032

138,589

144,580

Pre-Provision Net Revenue (PPNR)

$

100,692

$

109,142

$

(711,558

)

$

75,589

$

64,997

Calculation of Adjusted Pre-Provision Net

Revenue

Pre-Provision Net Revenue (PPNR)

$

100,692

$

109,142

$

(711,558

)

$

75,589

$

64,997

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: Professional services

1,200

—

—

—

—

Plus: Early retirement program costs

283

—

305

1,594

—

Plus: Termination of vendor and software services

—

12

—

—

—

Plus: Loss on sale of Equipment Finance business

—

1,118

—

—

—

Plus: Branch right sizing costs (net)

531

85

2,004

163

994

Adjusted Pre-Provision Net Revenue

$

100,722

$

110,357

$

92,813

$

77,346

$

65,991

(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)

Mar 31

Dec 31

Sep 30

Jun 30

Mar 31

2026

2025

2025

2025

2025

($ in thousands)

Calculation of Adjusted Return on Average Assets & Average Tangible

Assets

Net income (loss)

$

68,544

$

(397,553

)

$

(475,631

)

$

87,161

$

32,388

Amortization of intangibles, net of taxes

2,288

9,469

7,181

4,894

2,605

Total adjusted tangible net income (non-GAAP)

$

70,832

$

(388,084

)

$

(468,450

)

$

92,055

$

34,993

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

570

—

—

FDIC Deposit Insurance special assessment

(1,984

)

—

—

—

—

Professional services

1,200

—

—

—

—

Early retirement program

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 right sizing (net)

531

3,246

3,161

1,157

994

Tax effect of certain items (1)

(8

)

(177,686

)

(177,368

)

(719

)

(260

)

Adjusted earnings (non-GAAP)

68,566

233,098

154,123

89,193

33,122

Amortization of intangibles, net of taxes

2,288

9,469

7,181

4,894

2,605

Total adjusted tangible net income (non-GAAP)

$

70,854

$

242,567

$

161,304

$

94,087

$

35,727

Average total assets

$

24,533,005

$

25,614,700

$

26,073,100

$

26,661,787

$

26,678,628

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(83,248

)

(90,913

)

(92,499

)

(94,100

)

(95,787

)

Total average intangibles

(1,404,047

)

(1,411,712

)

(1,413,298

)

(1,414,899

)

(1,416,586

)

Average tangible assets (non-GAAP)

$

23,128,958

$

24,202,988

$

24,659,802

$

25,246,888

$

25,262,042

Return on average assets

1.13

%

-1.55

%

-2.44

%

0.66

%

0.49

%

Adjusted return on average assets (non-GAAP)

1.13

%

0.91

%

0.79

%

0.67

%

0.50

%

Return on average tangible assets (non-GAAP)

1.24

%

-1.60

%

-2.54

%

0.74

%

0.56

%

Adjusted return on average tangible assets

(non-GAAP)

1.24

%

1.00

%

0.87

%

0.75

%

0.57

%

Calculation of Return on Tangible Common Equity

Net income (loss) available to common stockholders

$

68,544

$

(397,553

)

$

(475,631

)

$

87,161

$

32,388

Amortization of intangibles, net of taxes

2,288

9,469

7,181

4,894

2,605

Total income available to common stockholders

$

70,832

$

(388,084

)

$

(468,450

)

$

92,055

$

34,993

Certain items (non-GAAP)

Loss on early extinguishment of debt

—

570

570

—

—

FDIC Deposit Insurance special assessment

(1,984

)

—

—

—

—

Professional services

1,200

—

—

—

—

Early retirement program

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 right sizing (net)

531

3,246

3,161

1,157

994

Tax effect of certain items (1)

(8

)

(177,686

)

(177,368

)

(719

)

(260

)

Adjusted earnings (non-GAAP)

68,566

233,098

154,123

89,193

33,122

Amortization of intangibles, net of taxes

2,288

9,469

7,181

4,894

2,605

Total adjusted earnings available to common stockholders

(non-GAAP)

$

70,854

$

242,567

$

161,304

$

94,087

$

35,727

Average common stockholders’ equity

$

3,470,260

$

3,471,531

$

3,492,261

$

3,555,265

$

3,564,469

Average intangible assets:

Goodwill

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

(1,320,799

)

Other intangibles

(83,248

)

(90,913

)

(92,499

)

(94,100

)

(95,787

)

Total average intangibles

(1,404,047

)

(1,411,712

)

(1,413,298

)

(1,414,899

)

(1,416,586

)

Average tangible common stockholders’ equity

(non-GAAP)

$

2,066,213

$

2,059,819

$

2,078,963

$

2,140,366

$

2,147,883

Return on average common equity

8.01

%

-11.45

%

-18.21

%

4.94

%

3.69

%

Return on tangible common equity

13.90

%

-18.84

%

-30.13

%

8.67

%

6.61

%

Adjusted return on average common equity

(non-GAAP)

8.01

%

6.71

%

5.90

%

5.06

%

3.77

%

Adjusted return on tangible common equity

(non-GAAP)

13.91

%

11.78

%

10.37

%

8.86

%

6.75

%

(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)

Mar 31

Dec 31

Sep 30

Jun 30

Mar 31

2026

2025

2025

2025

2025

($ in thousands)

Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)

Noninterest expense (efficiency ratio numerator)

$

140,673

$

565,063

$

425,201

$

283,169

$

144,580

Certain noninterest expense items (non-GAAP)

Early retirement program

(283

)

(1,899

)

(1,899

)

(1,594

)

—

FDIC Deposit Insurance special assessment

1,984

—

—

—

—

Professional services

(1,200

)

—

—

—

—

Termination of vendor and software services

—

(12

)

—

—

—

Loss on sale of Equipment Finance business

—

(1,118

)

—

—

—

Branch right sizing expense

(531

)

(3,246

)

(3,161

)

(1,157

)

(994

)

Other real estate and foreclosure expense adjustment

(308

)

(1,046

)

(614

)

(414

)

(198

)

Amortization of intangibles adjustment

(3,097

)

(12,819

)

(9,722

)

(6,625

)

(3,527

)

Adjusted efficiency ratio numerator

$

137,238

$

544,923

$

409,805

$

273,379

$

139,861

Net interest income

$

197,168

$

719,203

$

521,907

$

335,246

$

163,422

Noninterest income

44,197

(615,970

)

(667,678

)

88,509

46,155

Fully tax-equivalent adjustment (2)

3,012

19,537

16,647

12,836

6,414

Efficiency ratio denominator

244,377

122,770

(129,124

)

436,591

215,991

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

$

244,377

$

924,832

$

672,938

$

436,591

$

215,991

Efficiency ratio (1)

57.56

%

460.26

%

-329.30

%

64.86

%

66.94

%

Adjusted efficiency ratio (non-GAAP) (1)

56.16

%

58.92

%

60.90

%

62.62

%

64.75

%

(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: d102541dex992.htm · Sequence: 3

EX-99.2

Nasdaq SFNC Exhibit 99.2 st 1 Quarter 2026 Earnings Presentation April

16, 2026

Company Overview Simmons First National Corporation A Mid-South based

financial holding company serving our $24.7 $20.2 customers and the communities where we work and live since 1903 BILLION BILLION TOTAL ASSETS TOTAL DEPOSITS $9.4 $17.9 CONSECUTIVE YEARS 3 117 PAYING DIVIDENDS BILLION BILLION ASSETS UNDER TOTAL

LOANS MANAGEMENT/ ADMINISTRATION YEARS OF SERVICE 123 14.36% 8.74% 1 TOTAL RBC RATIO TCE RATIO FINANCIAL CENTERS 221 ACROSS SIX STATES 4.2% 89% 2 DIVIDEND YIELD LOAN TO DEPOSIT RATIO 1.28% 0.21% ACL TO TOTAL NET CHARGE-OFF LOANS RATIO Figures

presented on this slide are as of March 31, 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 April 10, 2026, closing stock price of

$20.50 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

1Q26 Financial Highlights 3

1Q26 Highlights 1 1 Reported Adjusted ❑ On track to deliver

double-digit PPNR growth in 2026 1 ─ Adjusted PPNR growth of 53% year-over-year 2 Net income $68.5M $68.6M ─ Net interest margin expands to 3.84%, primarily driven by lower funding costs ❑ Loan growth EPS (diluted) $0.47 $0.47

─ Broad based growth drives loans up 10% linked quarter annualized ─ 5% linked quarter increase in unfunded commitments ROAA 1.13% 1.13% ─ Commercial loan pipeline remains healthy while maintaining pricing discipline ❑

Deposit growth Revenue $241.4M $241.4M ─ 6% annualized linked quarter increase in average total deposits 1 PPNR $100.7M $100.7M ─ 7% annualized linked quarter increase in core customer interest bearing transaction and savings accounts 2

─ 8 bps decrease in cost of deposits NIM 3.84% ❑ Credit quality NCO ratio 21 bps ─ Provision expense exceeds net charge-offs by $5.5 million, reflecting strong loan growth in the quarter ACL ratio 1.28% ─ Net charge-offs

ratio of 21 bps ─ ACL ratio held steady at 1.28% Comparisons on this page are 1Q26 vs 4Q25, 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 +15% +21% +53% $249.0 $197.3 $197.2 $110.4 $241.4 $100.7 $232.5 $186.7 $92.8 $214.2 $77.3 $209.6 $171.8 $66.0 $163.4 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25

4Q25 1Q26 1 NIM 2.95% 3.81% 3.84% 3.06% 3.50% 2 2 2 Adjusted NIE Adjusted Net Income Adjusted Diluted EPS $ in millions $ in millions +107% +81% (2)% $79.0 $143.6 $0.54 $68.6 $64.9 $140.6 $0.47 $0.46 $139.7 $0.44 $56.1 $138.6 $136.8 $33.1 $0.26 1Q25

2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 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 +89 bps 11 bps (7) bps 3.84% 3.81% (1) bp 1 bp (1) bp 3.84% 3.50% 3.81% +3 bps 3.06% 2.95% Loan Day 1Q26 4Q25 Funding Hedges Other Yield Rate Count 1Q25 2Q25 3Q25 4Q25 1Q26 Select Yields/Rates FTE (%) 6.31 6.26 6.23 6.20 6.16

Commentary ❑ Favorable repricing of fixed-rate loans continues to be a tailwind 4.30 4.25 4.01 ❑ Deposit cost down 8 bps from 4Q25 levels reflects continued focus on 3.48 3.48 growth of low-cost core customer deposits and planned

run-off of non- relationship time deposits or subsequent reinvestment into lower cost deposits. 2.44 2.36 2.25 2.04 1.96 1Q25 2Q25 3Q25 4Q25 1Q26❑ Hedging income of $5.9 million in 1Q26 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 1Q26 Adjusted 1Q26 vs Adjusted 1 $ in millions

Reported 4Q25 1Q25 Adjusted Commentary Service charges on deposit accounts $ 12.7 $ 12.7 $ - - % $ - - % ❑ Linked quarter decrease primarily driven by Wealth management fees 10.5 10.5 0.2 2 0.9 9 decline in “Other” noninterest

income Debit and credit card fees 8 .5 8.5 (0.2) ( 2) 0.1 1 • $2.9M lower as a result of BOLI death benefits received in 4Q25 Mortgage lending income 1.9 1.9 (0.4) (17) ( 0.2) (8) • $2.6M lower primarily as a result of negative SBIC

valuation adjustments in 1Q26 Bank owned life insurance 4.2 4.2 0.3 7 0.1 3 ❑ Debit and credit card fees and mortgage lending Swap fee income 1.7 1.7 ( 0.4) (18) 0.3 21 income seasonally lower Other service charges and fees 1 .6 1.6 0 .1 7

0.3 20 Other 3.1 3.1 (7.2) (70) ( 3.5) (53) Total noninterest income $ 44.2 $ 44.2 $(7.5) (15) % $(2.0) (4) % 1 Adjusted Total Revenue Per Employee Adjusted Noninterest Income Adjusted PPNR per Avg. Diluted Share 1 1 (FTE) to Adjusted Total Revenue

+33% ($ in thousands) $0.76 22.0% $85.4 $82.9 $0.69 $80.7 20.8% $0.66 19.8% $0.61 19.7% $72.7 18.3% $71.1 $0.52 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 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 1Q26 Adjusted 1Q26 vs Adjusted 1 $ in millions

Reported 4Q25 1Q25 Adjusted Commentary Salaries and employee benefits $ 75.9 $ 75.6 $ 2.7 4 % $ 0.8 1 % ❑ Linked quarter increase in salaries and employee Occupancy expense, net 12.2 1 1.9 0.7 6 - - benefits primarily reflects seasonal

payroll taxes ❑ Base salary expense lower by 1.8% linked quarter Furniture and equipment 5 .4 5.4 0 .1 2 - - 1 ❑ Adjusted efficiency ratio improves 859 bps year- Deposit insurance 2 .3 4.3 ( 0.5) (10) ( 1.1) (21) over-year to 56.16%

OREO and foreclosure expense 0 .3 0.3 ( 0.1) (29) 0.1 56 Other 44.5 43.1 ( 0.9) ( 2) (2.8) (6) Total noninterest expense $140.7 $140.6 $ 2.0 1 % $(2.9) (2) % 1 Employees (FTE) # of Financial Centers Adjusted Efficiency Ratio 859 bp improvement

64.75% 223 223 2,949 2,947 222 222 60.52% 2,917 221 2,913 2,883 57.72% 56.16% 53.64% 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26 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 $21.8 $19.8 $21.7 $20.2 $20.2 5.33% 9.3% 9.4% 5.27% 9.5% 13.4% 14.8% 4.66% 11.1% 12.0% 12.7% 4.33% 4.33% 4.30% 14.0% 12.3% Customer 3.90% 14.7% 14.0% 3.64% 13.3% 3.53% 3.52% 13.4% 3.28%

13.9% Deposits 3.05% 2.97% 2.86% 2.62% 2.47% 42.8% 90.5% 43.2% 43.3% 2.79% 2.79% 39.0% 2.60% 38.2% 2.44% 2.36% 2.25% 2.04% 1.96% Interest Bearing Deposits Cost of Deposits Avg Fed Funds Rate 22.1% 21.5% 21.2% 20.5% 20.5% 2Q24 3Q24 4Q24 1Q25 2Q25

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

Continued to effectively manage deposit costs, reflected by an 8 bps decrease Total Deposits $19 on a linked quarter basis ❑ 6% annualized linked quarter increase in average total deposits Noninterest Bearing Transaction Accounts $(48)

❑ 7% annualized linked quarter increase in core customer interest bearing Interest Bearing Transaction and Savings Accounts $34 transaction and savings accounts Time Deposits $(132) ❑ Decrease in time deposits reflects continued,

planned run-off of non- relationship CDs or subsequent reinvestment into lower cost deposits Public Funds (interest bearing) $139 ❑ ~78% of deposits are FDIC insured or are collateralized deposits Brokered (MM & CDs) and Other

Non-Customer Deposits $26 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 1Q26 divided by the change in quarterly

average Federal Funds Effective rate for 2Q24 vs 1Q26 2 Linked quarter change is 1Q26 vs 4Q25

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

Portfolio – Repricing and Maturity (contractual) $ in millions At March 31, 2026 $ in millions Weighted Average Rates Repricing Term Rate Structure 3 mo 3-12 1-3 3-5 Over 5 3.46% 3.87% 3.22% 3.82% 2.99% 3.76% 2.95% 3.71% Total Variable Fixed

or less mo years years years $1,682.1 RE - Construction $ 2,283.7 $ 171.4 $ 92.6 $ 67.8 $ 6.4 $ 2,621.9 $ 2,227.1 $ 394.8 RE - Commercial 4,461.2 1,264.1 1,843.9 669.3 526.1 8,764.6 4,438.3 4,326.3 RE - Single-Family 703.6 296.7 523.6 386.5 655.8

2,566.2 1,429.5 1,136.7 $834.5 $820.5 Commercial (C&I) 1,697.2 172.9 312.8 247.6 90.9 2,521.4 1,722.2 799.3 $379.4 $288.0 $283.5 $88.8 Consumer 203.4 13.6 36.4 7.7 8.0 269.0 197.6 71.4 $55.7 1 Other 723.4 36.6 40.5 40.6 348.7 1,189.8 707.2 482.6

2Q26 3Q26 4Q26 1Q27 Total $ 10,072.4 $ 1,955.3 $ 2,849.8 $ 1,419.5 $ 1,636.0 $ 17,932.9 $ 10,721.9 $ 7,211.0 Customer CDs Brokered CDs 2 6.64% 4.89% 5.88% 6.49% 4.74% 6.13% 6.58% 5.49% 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 ❑ ~$90 million of projected securities principal maturities per quarter Up 25 bps 0.2% ❑ ~$2.7 billion of loans with a weighted average rate of less than 4% repricing over the

next three years 4 ❑ ~29% of customer interest bearing deposits are tied to index rates, principally Fed Funds target rate Down 25 bps (0.6)% Down 50 bps (1.3)% Assumes an immediate, parallel change in interest rates and static balance sheet

as of March 31, 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 March 31, 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 1Q26 ❑ Net interest income (NII) sensitivity remains slightly asset sensitive $5.1 $5.1 $4.7 $4.5 $4.5 ❑ Hedging strategy designed to manage

interest rate risk position to slightly asset sensitive 2Q26 3Q26 4Q26 1Q27 2Q27 Quarterly Average (Notional) Annual Average (Notional) Hedged Item Quarter Initiated Rate Protection 1Q26 2Q26 3Q26 4Q26 1Q27 2Q27 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 300.0 300.0 260.9 200.0 200.0 200.0 130.4 - - - 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 $ 623.3 $ 584.2 $ 523.3 $ 523.3 $ 523.3 $ 453.7 $

287.4 $ 480.4 $ 244.0 Quarterly Fixed Rate Annual Fixed Rate Hedged Item Receive Pay 1Q26 2Q26 3Q26 4Q26 1Q27 2Q27 2027 2028 2029 2030 Variable rate loans Fixed SOFR based 3.59% 3.24% 3.24% 3.24% 3.24% 3.24% 3.24% 3.26% 3.22% - Variable rate CMBS

Fixed SOFR based 3.82% 3.82% 3.53% 3.07% 3.07% 3.07% 3.07% - - - Subordinated debt Fixed SOFR based 3.56% 3.56% 3.56% 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 March 31, 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% 10.06% 10.14% 11.63% 9.96% 11.54% 11.58% 9.56% Commentary 9.87% 8.17% ❑ Share Repurchase Program Adj. Reported ▪ Announced new $175M share repurchase program HTM in February 2026 to replace

expiring 2024 program 2,3 Loss ▪ No shares were repurchased during 1Q26 2Q25 3Q25 4Q25 1Q26 2Q25 3Q25 4Q25 1Q26 WELL CAPITALIZED WELL CAPITALIZED 5.0% 6.5% 1 1 Total Risk-Based Capital Ratio Capital Ratios (at 3/31/26) Tier 1 Risk-Based

Capital Ratio 15.07% 14.45% 14.42% 12.36% 14.36% Equity to Assets 11.54% 11.63% 11.58% 13.9% 12.03% 9.87% 2 Tangible Common Equity Ratio 8.7% 2Q25 3Q25 4Q25 1Q26 2Q25 3Q25 4Q25 1Q26 WELL CAPITALIZED WELL CAPITALIZED 8.0% 10.0% 1 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

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 10% annualized Total Loans $441 $2,656 $190 $17,933 RE – Commercial $475 $17,492 $(2,405) RE – Construction $(252) 1 Funded loans Paydowns/

Other /advances payoffs Commercial (C&I) $139 RE – Single Family $(41) Consumer & Other $(25) Agricultural $28 Total loans Total loans Mortgage Warehouse $117 at 12/31/25 at 3/31/26 Unfunded Commitments Commentary $ in millions

❑ Total loans at $17.9 billion, up 10% on a linked quarter annualized basis RE - Construction C&I RE - Single Family RE - Commercial Agriculture Consumer/Other ❑ Period-end total loans $274 million higher than 1Q26 average total

loans $4,068 $3,947 $3,955 $3,888 $3,871 ❑ 5% linked quarter increase in unfunded commitments ❑ Well-diversified, granular portfolio with no significant industry or geographic 94% variable rate • 59% tied to Prime concentrations

• 41% tied to SOFR ❑ No significant direct exposure to software/technology firms ❑ Minimal exposure to Shared National Credits (SNC) 1Q25 2Q25 3Q25 4Q25 1Q26 ▪ SNC outstandings total ~1% of total loans ▪ Additional

banking relationships with all borrowers 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 $757 $1,265 $490 ❑ Maintaining prudent underwriting standards and pricing $1,244 $564

$651 discipline $774 $552 $549 ❑ $651 million of ready to close loans in the commercial $249 $292 $436 1 pipeline as of March 31, 2026, with a rate of 6.40% $217 $105 $168 $199 ❑ Mortgage loan originations in 1Q26 ❑ 65% purchase

❑ 35% refinance $527 $514 $809 $775 $685 $659 $691 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Rate Ready to 8.31% 7.93% 7.39% 7.35% 7.19% 6.53% 6.40% 1 Close Mortgage Loan Volume $ in millions Mortgage Closed Loan Volume Mortgage Pipeline Volume $31

$27 $29 $27 $21 $32 $16 $110 $96 $89 $90 $84 $75 $69 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 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 3/31/26 Loan Portfolio – Geographic diversification By State By State NPL Ratio 0.32% 12% 2% Past Due 30+ Days 1.37% 1% 17% Average Loan Size $3.2M 9% 32% 49% Median Loan Size

$0.5M $1.1B 3% 2% Number of Loans <$1M 62% 13% 4% 1 Average LTV 45.9% $17.3B 14% Weighted Average LTV 54.9% 9% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Multifamily (permanent) Key Statistics At 3/31/26 19% 14% By State 10% NPL

Ratio 0.88% 10% Texas Arkansas Tennessee Missouri 37% Past Due 30+ Days 0.00% Oklahoma Kansas Florida Other 5% Average Loan Size $3.0M $0.9B 4% Median Loan Size $0.6M % of Total % of Total Top 10 MSAs Number of Loans <$1M 67% 1 1 Loans

Commitments 13% 21% Average LTV 50.7% Houston-Sugarland-Baytown 8.5% 8.4% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Weighted Average LTV 61.7% Dallas-Plano-Irving 8.4% 8.4% Little Rock-North Little Rock-Conway 6.5% 7.3% Retail

(non-owner occupied permanent) Key Statistics At 3/31/26 Nashville-Davidson-Murfreesboro 5.4% 5.6% By State NPL Ratio 0.21% 14% Memphis 4.7% 4.5% 1% Past Due 30+ Days 0.00% Fayetteville-Springdale-Rogers 3.7% 4.1% 5% 49% Average Loan Size $1.9M Fort

Worth-Arlington 3.7% 3.8% 7% $0.9B Median Loan Size $1.0M Kansas City 2.7% 2.9% Number of Loans <$1M 50% 10% St. Louis 2.7% 2.5% Average LTV 48.1% Austin-Round Rock-San Marcos 2.3% 2.1% 14% Weighted Average LTV 55.6% Texas Arkansas Tennessee

Missouri Oklahoma Kansas Other Data shown above as of March 31, 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 3/31/26 Top 10 MSAs Loans Commitments NPL Ratio 1.50% 19% Dallas-Plano-Irving 11.5% 12.0% Past Due 30+ Days 1.01% Houston-Sugarland-Baytown 10.7% 10.8% 40%

Average Loan Size $1.4M Nashville-Davidson-Murfreesboro 6.8% 7.8% Median Loan Size $0.3M 13% Phoenix-Mesa-Glendale 5.4% 5.9% $2.6B Number of Loans <$1M 82% Fayetteville-Springdale-Rodgers 3.8% 5.2% Average LTV 56.3% 2% Little Rock-North Little

Rock-Conway 4.0% 4.2% 2% Weighted Average LTV 53.8% 3% Fort Worth-Arlington 3.6% 4.1% Weighted Average Maturity ~17 months 11% 10% Austin-Round Rock-San Marcos 5.2% 4.0% Texas Arkansas Tennessee Missouri Kansas City 3.3% 3.6% Oklahoma Kansas Florida

Other Jacksonville, FL 3.0% 3.4% CLD - Industrial Warehouse (non-owner occupied) CLD - Multifamily By State By State Key Statistics At 3/31/26 Key Statistics At 3/31/26 NPL Ratio 0.00% NPL Ratio 0.00% 18% Texas 21% Texas Past Due 30+ Days 0.00% 31%

Past Due 30+ Days 0.00% Arkansas 48% Tennessee Average Loan Size $17.5M Average Loan Size $13.3M 3% Tennessee Missouri $0.7B $0.5B Median Loan Size $8.4M Median Loan Size $8.7M 27% 5% Kansas Florida Number of Loans <$1M 35% Number of Loans

<$1M 27% Florida 9% 8% Other Average LTV 52.8% Average LTV 40.2% Other 16% 14% Weighted Average LTV 51.1% Weighted Average LTV 44.1% Weighted Average Maturity ~12 months Weighted Average Maturity ~13 months Data shown above as of March 31, 2026

18

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

2025 as of March 31, 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 176 1% 173 1% 3 1

1 - 3.31% - Consumer – Other 116 1% 96 1% 1 - - 38 3.10% 0.59% Real Estate – Construction 2,874 16% 2,622 15% 27 69 40 1,783 2.07% 1.10% Real Estate – Commercial 8,290 47% 8,765 49% 27 241 46 299 1.09% 0.33% Real Estate –

Single-family 2,607 15% 2,566 14% 29 53 37 319 1.50% 0.79% Commercial (C&I) 2,382 14% 2,521 14% 5 41 16 1,391 1.05% 0.10% Mortgage Warehouse 322 2% 439 2% - - - - 0.20% - Agriculture 306 2% 334 2% - 2 2 225 1.03% 0.37% Other 419 2% 417 2% - - -

13 0.57% 0.23% Total Loan Portfolio 17,492 100% 17,933 100% 92 407 142 4,068 1.28% 0.63% Loan Concentration (Holding Company Level) C&D 99% 89% CRE 291% 286% Select Loan Categories Retail 1,194 7% 1,188 7% - 4 3 124 0.81% 1.17% Nursing /

Extended Care 192 1% 159 1% - 52 1 1 7.69% 0.03% Healthcare 555 3% 527 3% 1 23 2 131 1.29% 0.57% Multifamily 1,606 9% 1,593 9% - 26 8 576 1.92% 0.32% Hotel 823 5% 898 5% 7 33 4 182 1.53% 1.82% Restaurant 610 3% 576 3% 1 16 15 18 1.11% 0.47% NOO

Office 1,142 7% 1,231 7% 16 26 12 90 1.75% 0.69% NOO Industrial Warehouse 1,508 9% 1,575 9% - 17 - 330 0.29% 0.18% 1 Non-Depository Financial Institutions (NDFI) 674 4% 760 4% - 2 - 84 0.46% 0.11% 1 NDFI includes mortgage warehouse disclosed in the

Total Loan Portfolio table above 19

Credit Quality ACL and Unfunded Commitment Reserve Credit Quality

Commentary 1.50%❑ Top 10 NPLs total $72.4 million with reserves of $7.2 million, reflecting management’s 1.48% 1.48% expectation of limited loss content 1.28% 1.28% ❑ Select recent developments after the end of 1Q26 ▪ $1.8M

nonperforming RE – Commercial loan paid in full ▪ $2.1M nonperforming RE – Construction loan returned to performing status 0.66% 0.66% 0.65% 0.65%▪ $15.6M past due RE – Commercial (office) loan brought current 0.63%

▪ $13.2M past due RE – Construction/C&I loan brought current ▪ $8.3M past due RE – Construction loan brought current ▪ $3.1M past due RE – Commercial (hotel) loan paid in full ❑ Moody’s March 31,

2026, Economic Scenario ▪ Baseline (80%); S1 (10%); S3 (10%) 1Q25 2Q25 3Q25 4Q25 1Q26 ACL to Total Loans Unfunded Commitment Reserve to Unfunded Commitments Provision and Net Charge-Offs $ in millions Credit Quality Metrics $14.6 0.92% 0.90%

0.89% 0.79% Primarily loan growth, $5.5 coupled with change in 0.66% 0.64% 0.61% 0.62% 0.63% Moody’s macro economic forecast 0.51% 0.51% Net Charge-Offs 0.27% $9.1 0.21% 21 bps 0.17% 0.11% 1Q25 2Q25 3Q25 4Q25 1Q26 NPL to Loans NPA to Assets

Past Due 30-89 to Loans 20 1Q26 20

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 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 on developments after the end of the quarter related to credit quality 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, 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. 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 right sizing costs, early retirement program costs, termination of vendor and software services, FDIC Deposit Insurance special assessment, professional services and a

loss on the sale of an equipment finance business. 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, gains and/or losses on the sale of securities, or the Two Specific Credit Relationships. 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. 21

Appendix 22

Select Balance Sheet and Other Data 1Q26 vs 4Q25 1Q26 vs 1Q25 $ in

millions, except per share data 1Q26 4Q25 1Q25 $ Change % Change $ Change % Change Period End Balances Total loans $17,932.9 $17,492.2 $17,094.1 $440.7 3 % $838.8 5 % Investment securities 3, 152.3 3,266.2 6,107.4 ( 113.9) (3) (2,955.1) (48) Total

assets 24,692.8 24,540.9 26,793.0 15 1.9 1 ( 2,100.2) (8) Total deposits 20 ,202.8 20,184.0 21,684.6 18.7 - (1,481.8) (7) Borrowed funds 77 1.2 64 1.4 1,301.3 12 9.8 20 (530.2) (41) Total stockholders' equity 3, 437.7 3, 419.2 3, 531.5 18 .5 1

(93.8) (3) Average Balances Total loans $17,658.8 $17,295.4 $16,920.1 $363.4 2 % $738.8 4 % Investment securities 3,228.8 3,301.0 6, 148.6 (72.2) (2) ( 2,919.8) (47) Total assets 24,533.0 24,254.4 26,678.6 278.6 1 (2,145.6) (8) Total deposits

20,236.2 19 ,957.5 21,680.9 27 8.7 1 (1,444.8) (7) Borrowed funds 52 8.7 558.1 1, 112.5 (29.4) (5) (583.8) (52) Total stockholders' equity 3,470.3 3, 410.0 3,564.5 60.2 2 (94.2) (3) Select Other Data Equity to assets 13.92 % 13.93 % 13.18 % 1 8.74

8.71 8.34 Tangible common equity to tangible assets Book value per share $23.70 $23.62 $28.04 1 Tangible book value per share 14.03 13.91 16.81 Allowance for credit losses to total loans 1.28 % 1.28 % 1.48 % Nonperforming loan coverage ratio 162 199

165 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 23

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

except per share data 4Q25 1Q25 Reported Adjusted Net interest income $197.2 $197.2 $ (0.1) - % $33.7 21 % Noninterest income 4 4.2 4 4.2 ( 7.5) (15) (2.0) (4) Total revenue 241.4 241.4 (7.6) ( 3) 31.8 15 Noninterest expense 140.7 140.6 2.0 1 ( 2.9)

(2) 2 100.7 100.7 (9.6) ( 9) 34.7 53 Pre-provision net revenue Provision for credit losses 1 4.6 14.6 (0.5) (3) (12.2) (45) Provision for income taxes 1 7.5 17.5 1.3 8 11.5 189 Earnings $ 68.5 $ 68.6 $(10.4) (13) % $35.4 107 % Diluted EPS $ 0.47 $

0.47 $(0.07) (13) % $0.21 81 % 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 24 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 1Q 2Q 3Q 4Q 1Q $ in thousands, except per

share data 2025 2025 2025 2025 2026 1 Calculation of Adjusted Earnings Net Income (Loss) $ 32,388 $ 54,773 $ (562,792) $ 78,078 $ 68,544 Certain items Branch right sizing, net 994 163 2,004 85 531 Loss on sale of equipment finance business - - -

1,118 - Loss (gain) on sale of securities - - 801,492 - - Early retirement program - 1,594 305 - 283 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 (260) (459) (176,649) (318) 8 Certain items, net of tax 734 1,298 627,722 897 22 Adjusted earnings (non-GAAP) $ 33,122 $ 56,071 $ 64,930 $ 78,975 $ 68,566 1 Calculation of Earnings and

Adjusted Earnings per Diluted Share Earnings available to common shareholders $ 32,388 $ 54,773 $ (562,792) $ 78,078 $ 68,544 Diluted earnings per share $ 0.26 $ 0.43 $ (4.00) $ 0.54 $ 0.47 Adjusted earnings available to common shareholders

(non-GAAP) $ 33,122 $ 56,071 $ 64,930 $ 78,975 $ 68,566 Adjusted diluted earnings per share (non-GAAP) $ 0.26 $ 0.44 $ 0.46 $ 0.54 $ 0.47 Average Diluted Shares Outstanding 126,336,557 126,406,453 140,648,704 145,210,222 145,340,410 1 In this

presentation, “Adjusted Earnings” may also be referred to as “Adjusted Net Income” 25

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

thousands Calculation of Pre-Provision Net Revenue (PPNR) Net interest income $ 163,422 $ 171,824 $ 186,661 $ 197,296 $ 197,168 Plus: Noninterest income 46,155 42,354 (756,187) 51,708 44,197 Less: Noninterest expense 144,580 138,589 142,032 139,862

140,673 Pre-Provision Net Revenue (PPNR) (non-GAAP) $ 64,997 $ 75,589 $ (711,558) $ 109,142 $ 100,692 Calculation of Adjusted Pre-Provision Net Revenue Pre-Provision Net Revenue (PPNR) (non-GAAP) $ 64,997 $ 75,589 $ (711,558) $ 109,142 $ 100,692

Plus: Loss on sale of equipment finance business - - - 1,118 - Plus: (Gain) loss on sale of securities - - 801,492 - - Plus: Branch right sizing costs, net 994 163 2,004 85 531 Plus: Early retirement program - 1,594 305 - 283 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) $

65,991 $ 77,346 $ 92,813 $ 110,357 $ 100,722 Calculation of Book Value and Tangible Book Value per Share Total common stockholders' equity $ 3,531,485 $ 3,549,210 $ 3,353,963 $ 3,419,240 $ 3,437,734 Intangible assets: Goodwill (1,320,799)

(1,320,799) (1,320,799) (1,320,799) (1,320,799) Other intangible assets (93,714) (90,617) (87,520) (84,423) (81,325) Total intangible assets (1,414,513) (1,411,416) (1,408,319) (1,405,222) (1,402,124) Tangible common stockholders' equity (non-GAAP)

$ 2,116,972 $ 2,137,794 $ 1,945,644 $ 2,014,018 $ 2,035,610 Shares of common stock outstanding 125,926,822 125,996,248 144,703,075 144,762,817 145,058,331 Book value per common share $ 28.04 $ 28.17 $ 23.18 $ 23.62 $ 23.70 Tangible book value per

common share (non-GAAP) $ 16.81 $ 16.97 $ 13.45 $ 13.91 $ 14.03 26

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

thousands, except number of employees (FTE) Calculation of Total Revenue and Adjusted Total Revenue Net Interest Income (GAAP) $ 163,422 $ 171,824 $ 186,661 $ 197,296 $ 197,168 Noninterest Income (GAAP) 46,155 42,354 (756,187) 51,708 44,197 Total

Revenue (non-GAAP) $ 209,577 $ 214,178 $ (569,526) $ 249,004 $ 241,365 Total Revenue (non-GAAP) $ 209,577 $ 214,178 $ (569,526) $ 249,004 $ 241,365 Less: Gain (loss) on sales of securities - - (801,492) - - Less: Loss on early extinguishment of debt

- - (570) - - Adjusted Total Revenue (non-GAAP) $ 209,577 $ 214,178 $ 232,536 $ 249,004 $ 241,365 Employees (FTE) 2,949 2,947 2,883 2,917 2,913 Total Revenue per Employee (FTE) $ 71.07 $ 72.68 $ (197.55) $ 85.36 $ 82.86 Adjusted Total Revenue per

Employee (FTE) $ 71.07 $ 72.68 $ 80.66 $ 85.36 $ 82.86 Calculation of Adjusted Noninterest Income Noninterest Income (GAAP) $ 46,155 $ 42,354 $ (756,187) $ 51,708 $ 44,197 Less: Gain (loss) on sale of securities - - (801,492) - - Less: Loss on early

extinguishment of debt - - (570) - - Adjusted Noninterest Income (non-GAAP) $ 46,155 $ 42,354 $ 45,875 $ 51,708 $ 44,197 Calculation of Noninterest Income to Total Revenue Noninterest Income to Total Revenue 22.02% 19.78% NM 20.77% 18.31% Adjusted

Noninterest Income to Adjusted Total Revenue (non-GAAP) 22.02% 19.78% 19.73% 20.77% 18.31% Calculation of PPNR and Adjusted PPNR Per Share Average Diluted Shares Outstanding 126,336,557 126,406,453 140,648,704 145,210,222 145,340,410 PPNR per

Average Diluted Shares Outstanding $ 0.51 $ 0.60 $ (5.06) $ 0.75 $ 0.69 Adjusted PPNR per Average Diluted Shares Outstanding (non-GAAP) $ 0.52 $ 0.61 $ 0.66 $ 0.76 $ 0.69 FTE – Full time equivalent NM – Not meaningful 27

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

thousands Calculation of Adjusted Noninterest Expense Noninterest Expense (GAAP) $ 144,580 $ 138,589 $ 142,032 $ 139,862 $ 140,673 Less: Branch right sizing expense 994 163 2,004 85 531 Less: Early retirement program - 1,594 305 - 283 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) $ 143,586 $ 136,832 $ 139,723 $ 138,647 $ 140,643 Calculation of Efficiency Ratio and Adjusted Efficiency Ratio Noninterest Expense (efficiency ratio numerator) $ 144,580 $ 138,589 $ 142,032 $ 139,862 $ 140,673 Total Revenue $ 209,577 $

214,178 $ (569,526) $ 249,004 $ 241,365 Fully taxable equivalent adjustment ___ _ _6,414 ___ _ _6,422 ___ _ _3,811 ___ _ _2,890 ___ _ _3,012 Efficiency ratio denominator $ 215,991 $ 220,600 $ (565,715) $ 251,894 $ 244,377 Efficiency ratio (based on

GAAP figures) 66.94% 62.82% (25.11)% 55.52% 57.56% Adjusted Noninterest Expense (non-GAAP) $ 143,586 $ 136,832 $ 139,723 $ 138,647 $ 140,643 Less: Other real estate and foreclosure expense 198 216 200 432 315 Less: Amortization of intangible assets

___ __ 3,527 ___ __ 3,098 ___ __ 3,097 ___ __ 3,097 ___ __ 3,097 Adjusted efficiency ratio numerator (non-GAAP) $ 139,861 $ 133,518 $ 136,426 $ 135,118 $ 137,231 Adjusted Total Revenue (non-GAAP) (reconciliation shown on page 27) $ 209,577 $ 214,178

$ 232,536 $ 249,004 $ 241,365 Fully taxable equivalent adjustment ___ _ _6,414 ___ _ _6,422 ___ _ _3,811 ___ _ _2,890 ___ _ _3,012 Adjusted efficiency ratio denominator (non-GAAP) $ 215,991 $ 220,600 $ 236,347 $ 251,894 $ 244,377 Adjusted Efficiency

Ratio (non-GAAP) 64.75% 60.52% 57.72% 53.64% 56.16% Fully taxable equivalent adjustment using an effective tax rate of 26.135% 28

Non-GAAP Reconciliations 1Q 4Q 1Q 2025 2025 2026 $ in thousands

Calculation of Adjusted Salaries and Employee Benefits Salaries and employee benefits (GAAP) $ 74,824 $ 72,924 $ 75,885 Less: Early retirement program - - 283 Less: Other - - - Total Adjusted Salaries and Employee Benefits (non-GAAP) $ 74,824 $

72,924 $ 75,602 Calculation of Adjusted Occupancy Expense, Net Occupancy expense, net (GAAP) $ 12,651 $ 11,636 $ 12,218 Less: Branch right sizing expense 744 398 298 Total Adjusted Occupancy Expense (non-GAAP) $ 11,907 $ 11,238 $ 11,920 Calculation

of Adjusted Furniture and Equipment Expense Furniture and Equipment Expense (GAAP) $ 5,465 $ 5,304 $ 5,423 Less: Branch right sizing expense 89 14 21 Total Adjusted Furniture and Equipment Expense (non-GAAP) $ 5,376 $ 5,290 $ 5,402 Calculation of

Adjusted Other Noninterest Expense Other noninterest expense (GAAP) $ 46,051 $ 44,830 $ 44,537 Less: Loss on sale of equipment finance business - 1,118 - Less: Branch right sizing expense 161 (327) 205 Less: Termination of vendor and software

services - 12 - Less: Professional services - - 1,200 Total Adjusted Other Noninterest Expense (non-GAAP) $ 45,890 $ 44,027 $ 43,132 Calculation of Adjusted Provision for Income Taxes Provision for income taxes (GAAP) $ 5,812 $ 15,948 $ 17,526 Less:

Tax effect of certain items (non-GAAP) (reconciliation shown on page 25) (260) (318) (8) Adjusted provision for income taxes (non-GAAP) $ 6,072 $ 16,266 $ 17,534 29

Non-GAAP Reconciliations 1Q 4Q 1Q 1Q 2025 2025 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) $ 198 $ 432 $ 315 Net income $ 68,544 Less: Branch right sizing expense - - 7 Adjusted

earnings (non-GAAP) (reconciliation shown on page 25) $ 68,566 Total Adjusted Other Real Estate and Foreclosure Expense (non-GAAP) $ 198 $ 432 $ 308 Average assets $ 24,533,005 Calculation of Adjusted Deposit insurance Return on average assets

(ROAA) 1.13% Deposit insurance (GAAP) $ 5,391 $ 4,736 $ 2,295 Adjusted ROAA (non-GAAP) 1.13% Less: FDIC Deposit Insurance special assessment - - (1,984) Total Adjusted Deposit Insurance (non-GAAP) $ 5,391 $ 4,736 $ 4,279 Calculation of Insured,

Collateralized Deposits to Total Deposits Uninsured deposits at Simmons Bank $ 7,385,688 1Q Less: Collateralized deposits (excluding portion that is FDIC insured) 2,509,728 2026 $ in thousands Less: Intercompany eliminations _____ 432,795 Total

uninsured, non-collateralized deposits (non-GAAP) $ 4,443,165 Calculation of Tangible Common Equity (TCE) Total common stockholders’ equity $ 3,437,734 Total deposits $ 20,202,783 Less: Intangible assets 1,402,124 Total tangible common

stockholders’ equity (non-GAAP) $ 2,035,610 Less: Total uninsured, noncollateralized deposits (non-GAAP) 4,443,165 Total insured, collateralized deposits (non-GAAP) $ 15,759,618 Total assets $ 24,692,783 Less: Intangible assets 1,402,124 Total

Insured, collateralized deposits to total deposits (non-GAAP) 78% Total tangible assets $ 23,290,659 Common equity to total assets 13.92% Tangible common equity to tangible common assets (non-GAAP) 8.74% 30

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 31

Nasdaq SFNC st 1 Quarter 2026 Earnings Presentation April 16,

2026

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Apr. 16, 2026

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