Simmons First (NASDAQ: SFNC) Q1 2026 profit hits $68.5M amid loan growth

Q: How did Simmons First (SFNC) perform financially in Q1 2026?

Simmons First reported net income of $68.5 million and diluted EPS of $0.47 in Q1 2026. This compares to $78.1 million in the prior quarter and $32.4 million a year earlier, reflecting significantly stronger year-over-year profitability.

Q: What were Simmons First (SFNC) revenue and margin trends in Q1 2026?

Total revenue was $241.4 million in Q1 2026, producing pre-provision net revenue of $100.7 million . Net interest margin on a fully taxable equivalent basis improved to 3.84% , up from 3.81% in Q4 2025 and 2.95% in Q1 2025, supported by higher loan balances and lower funding costs.

Q: How did SFNC’s loans and deposits change in the first quarter of 2026?

Total loans ended Q1 2026 at $17.9 billion , up $440.7 million , or about 10% annualized, from Q4 2025. Total deposits were broadly stable at $20.2 billion , as growth in interest-bearing transaction and savings accounts offset runoff of higher-rate time and wholesale deposits.

Q: What is the asset quality picture for Simmons First (SFNC) in Q1 2026?

Provision for credit losses on loans was $14.6 million , while annualized net charge-offs were 0.21% of average loans. Nonperforming loans rose to $141.9 million , but the allowance for credit losses remained at 1.28% of loans, with a coverage ratio of 162% of nonperforming loans.

Q: How well capitalized is Simmons First (SFNC) after Q1 2026?

Total stockholders’ equity was $3.4 billion at March 31, 2026, with a common equity tier 1 (CET1) ratio of 11.58% and a total risk-based capital ratio of 14.36% . Tangible common equity to tangible assets stood at 8.74% , well above minimum regulatory requirements.

Q: Did Simmons First (SFNC) repurchase shares or change its dividend in Q1 2026?

Simmons did not repurchase stock under its February 2026 authorization during Q1 2026; approximately $175 million remained authorized at March 31, 2026. The company declared a quarterly cash dividend of $0.215 per share, slightly above the prior $0.2125 level.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Simmons First National Corporation reported solid first quarter 2026 results with net income of $68.5 million and diluted EPS of $0.47. This was down from $78.1 million in the prior quarter, but more than double the $32.4 million earned a year earlier, reflecting a rebound from prior-period securities losses.

Total revenue was $241.4 million, generating pre-provision net revenue of $100.7 million. The bank’s net interest margin improved to 3.84%, while the cost of deposits fell to 1.96%, helped by remixing funding away from higher-cost wholesale and time deposits.

Loans ended the quarter at $17.9 billion, up 10% annualized from year-end, with growth across commercial real estate, commercial and industrial, mortgage warehouse and agriculture. Deposits were stable at $20.2 billion, and asset quality remained manageable, with an annualized net charge-off ratio of 0.21% and an allowance for credit losses equal to 1.28% of loans.

Insights

Q1 2026 shows normalized earnings, stronger margin and solid loan growth.

Simmons First produced Q1 2026 net income of $68.5 million and EPS of $0.47. Results are softer than Q4’s $78.1 million, but much stronger than the year-ago quarter’s $32.4 million, which was hit by a large securities loss now excluded in adjusted figures.

Core performance looks steadier: total revenue was $241.4 million and pre-provision net revenue reached $100.7 million. Net interest margin increased to 3.84% as average loans grew and deposit costs declined to 1.96%, reflecting completed balance sheet repositioning away from higher-cost wholesale funding.

Credit metrics remain acceptable, with an annualized net charge-off ratio of 0.21% and an allowance equal to 1.28% of loans. Nonperforming loans rose to $141.9 million, partly from one well-collateralized construction relationship, while capital stayed strong with a common equity Tier 1 ratio of 11.58%. Subsequent filings may provide more color on how sustained loan growth and funding mix changes influence profitability through 2026.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income: $68.5 million Diluted EPS: $0.47 Total revenue: $241.4 million +5 more

8 metrics

Net income $68.5 million Quarter ended March 31, 2026

Diluted EPS $0.47 Quarter ended March 31, 2026

Total revenue $241.4 million Q1 2026 consolidated revenue

Pre-provision net revenue $100.7 million Q1 2026 PPNR

Total loans $17.9 billion End of Q1 2026 loan portfolio

Total deposits $20.2 billion End of Q1 2026 deposits

Net interest margin (FTE) 3.84% Q1 2026 net interest margin

Net charge-off ratio 0.21% Annualized Q1 2026 net charge-offs to average loans

Key Terms

pre-provision net revenue, net interest margin, allowance for credit losses, tangible common equity, +2 more

6 terms

pre-provision net revenue financial

"Total revenue of $241.4 million and PPNR 1 of $100.7 million"

Pre-provision net revenue is a bank’s income from core operations — interest earned minus interest paid plus fees and other operating income, after operating costs — measured before setting aside funds for potential loan losses. Investors use it to gauge how well a bank’s everyday business generates money independent of one-time loss reserves, like judging a store’s sales and operating profit before accounting for an expected number of returned items.

net interest margin financial

"Net interest margin (FTE) 3.84 % 3.81 % 2.95 %"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

allowance for credit losses financial

"Allowance for credit losses on loans as a percentage of total loans ... 1.28 percent"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

tangible common equity financial

"Tangible common equity (TCE) ratio 1 8.74 8.71 8.34"

Tangible common equity is the portion of a company’s net worth that belongs to ordinary shareholders after removing intangible items (like goodwill or patents) and any preferred claims; it’s often expressed on a per-share basis. Think of it as the hard, sellable value left for common owners if you removed non-physical assets and paid off debts—investors use it to judge how much real cushion a company has and whether the stock might be under- or over-valued.

nonperforming loans financial

"Total nonperforming loans at the end of the first quarter of 2026 totaled $141.9 million"

Nonperforming loans are loans on which borrowers have stopped making the scheduled interest or principal payments for an extended period (commonly 90 days or more) or are otherwise in serious danger of default. Think of them as IOUs that aren’t being repaid: they tie up a lender’s money, reduce future interest income, and force the lender to hold extra reserves or take losses. For investors, a rising share of nonperforming loans signals weakening credit quality, higher potential losses, and greater risk to a bank’s profitability and capital.

efficiency ratio financial

"Efficiency ratio of 57.56%; adjusted efficiency ratio 1 of 56.16%"

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

Offering Details

earnings_snapshot

Offering

Offering Type earnings_snapshot

Understanding 8-K Material Events →

04/16/2026 - 04:31 PM

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

Exhibit 99.1

LOGO

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 earnings^{1, 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)

(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

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

Source: View Original Filing on SEC EDGAR

FAQ

How did Simmons First (SFNC) perform financially in Q1 2026?

Simmons First reported net income of $68.5 million and diluted EPS of $0.47 in Q1 2026. This compares to $78.1 million in the prior quarter and $32.4 million a year earlier, reflecting significantly stronger year-over-year profitability.

What were Simmons First (SFNC) revenue and margin trends in Q1 2026?

Total revenue was $241.4 million in Q1 2026, producing pre-provision net revenue of $100.7 million. Net interest margin on a fully taxable equivalent basis improved to 3.84%, up from 3.81% in Q4 2025 and 2.95% in Q1 2025, supported by higher loan balances and lower funding costs.

How did SFNC’s loans and deposits change in the first quarter of 2026?

Total loans ended Q1 2026 at $17.9 billion, up $440.7 million, or about 10% annualized, from Q4 2025. Total deposits were broadly stable at $20.2 billion, as growth in interest-bearing transaction and savings accounts offset runoff of higher-rate time and wholesale deposits.

What is the asset quality picture for Simmons First (SFNC) in Q1 2026?

Provision for credit losses on loans was $14.6 million, while annualized net charge-offs were 0.21% of average loans. Nonperforming loans rose to $141.9 million, but the allowance for credit losses remained at 1.28% of loans, with a coverage ratio of 162% of nonperforming loans.

How well capitalized is Simmons First (SFNC) after Q1 2026?

Total stockholders’ equity was $3.4 billion at March 31, 2026, with a common equity tier 1 (CET1) ratio of 11.58% and a total risk-based capital ratio of 14.36%. Tangible common equity to tangible assets stood at 8.74%, well above minimum regulatory requirements.

Did Simmons First (SFNC) repurchase shares or change its dividend in Q1 2026?

Simmons did not repurchase stock under its February 2026 authorization during Q1 2026; approximately $175 million remained authorized at March 31, 2026. The company declared a quarterly cash dividend of $0.215 per share, slightly above the prior $0.2125 level.

Filing Exhibits & Attachments

5 documents

Simmons First (NASDAQ: SFNC) Q1 2026 profit hits $68.5M amid loan growth

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FAQ

How did Simmons First (SFNC) perform financially in Q1 2026?

What were Simmons First (SFNC) revenue and margin trends in Q1 2026?

How did SFNC’s loans and deposits change in the first quarter of 2026?

What is the asset quality picture for Simmons First (SFNC) in Q1 2026?

How well capitalized is Simmons First (SFNC) after Q1 2026?

Did Simmons First (SFNC) repurchase shares or change its dividend in Q1 2026?

Filing Exhibits & Attachments

Press Releases

Other Documents

Simmons First (NASDAQ: SFNC) Q1 2026 profit hits $68.5M amid loan growth

Rhea-AI Filing Summary

Positive

Negative

Insights

Banking sector equity analyst neutral

8-K Event Classification

Key Figures

Key Terms

Offering Details

FAQ

How did Simmons First (SFNC) perform financially in Q1 2026?

What were Simmons First (SFNC) revenue and margin trends in Q1 2026?

How did SFNC’s loans and deposits change in the first quarter of 2026?

What is the asset quality picture for Simmons First (SFNC) in Q1 2026?

How well capitalized is Simmons First (SFNC) after Q1 2026?

Did Simmons First (SFNC) repurchase shares or change its dividend in Q1 2026?

Filing Exhibits & Attachments

Press Releases

Other Documents