Simmons First National Q3 profit falls to $47.1M

The quarter included a $43.2 million pre-tax impact from specified items, and no share repurchases under SFNC's 2026 program.

Rhea-AI Filing Summary

Simmons First National Corporation (SFNC) reported third-quarter 2026 net income of $47.1 million, compared with $66.7 million in 2Q26. Adjusted net income was $79.0 million, versus $72.2 million; diluted EPS was $0.32 and adjusted diluted EPS was $0.54. Adjusted figures exclude specified items, including branch/real estate rightsizing, severance, certain professional services and accelerated prepaid expenses.

Total revenue was $251.2 million, versus $248.6 million in 2Q26. Net interest income was $204.0 million, compared with $200.6 million in 2Q26, and net interest margin was 3.92%, up 8 basis points from 2Q26. Noninterest expense was $182.0 million; adjusted noninterest expense was $138.9 million versus $140.3 million. The adjusted efficiency ratio was 53.31%, compared with 54.26%.

At September 30, 2026, loans were $17.5 billion and deposits were $18.6 billion. Nonperforming loans were $179.9 million, compared with $166.1 million at June 30, 2026; the allowance for credit losses was 1.37% of loans. Simmons made no repurchases in 3Q26; approximately $161 million of repurchase authorization remained as of September 30, 2026, under a program that does not obligate repurchases and may be modified, discontinued or suspended at any time.

1 point · 0 major

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Positive

• Moderate pointAdjusted net income was $79.0 million, versus $64.9 million in 3Q25.

Negative

• Moderate pointGAAP net income fell to $47.1 million from $66.7 million in 2Q26.
• Moderate pointNonperforming loans increased to $179.9 million from $166.1 million in 2Q26.

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, or exhibit attachments filed with this report.

Key Figures

Net income: $47.1 million Adjusted net income: $79.0 million Diluted EPS: $0.32 +4 more

7 metrics

Net income $47.1 million Third quarter of 2026; compared with $66.7 million in 2Q26

Adjusted net income $79.0 million Third quarter of 2026; compared with $64.9 million in 3Q25

Diluted EPS $0.32 Third quarter of 2026; compared with $0.46 in 2Q26

Adjusted diluted EPS $0.54 Third quarter of 2026; compared with $0.46 in 3Q25

Total revenue $251.2 million Third quarter of 2026; compared with $248.6 million in 2Q26

Net interest margin (FTE) 3.92% Third quarter of 2026; up 8 basis points from 2Q26

Nonperforming loans $179.9 million At September 30, 2026; compared with $166.1 million at June 30, 2026

Key Terms

Pre-provision net revenue (PPNR), fully taxable equivalent (FTE), allowance for credit losses, Common equity tier 1 (CET1) ratio, +1 more

5 terms

Pre-provision net revenue (PPNR) financial

"Pre-provision net revenue (PPNR) of $69.1 million"

Pre-provision net revenue (PPNR) measures a bank’s core income after operating costs but before setting aside money for expected loan losses, taxes or extraordinary items. It shows how much cash the business generates from normal activities — like a household’s take-home income before putting money into an emergency fund — and matters to investors because higher PPNR means a bigger cushion to absorb loan losses and support future profits or dividend payments.

fully taxable equivalent (FTE) financial

"on a fully taxable equivalent (FTE) basis"

A fully taxable equivalent (FTE) converts income that is exempt from federal income tax—most commonly municipal bond interest—into the pretax yield a taxable investment would need to produce to match that tax-exempt income. It is calculated by dividing the tax-exempt yield by (1 − marginal tax rate), or by adding back the tax benefit when adjusting portfolio or bank interest figures; the conversion depends on the assumed marginal tax rate and does not account for state or alternative minimum tax differences.

allowance for credit losses financial

"Allowance for credit losses to loans (ACL)"

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.

Common equity tier 1 (CET1) ratio financial

"Common equity tier 1 (CET1) ratio"

The common equity tier 1 (CET1) ratio is a measure of a bank’s financial strength, showing how much high-quality capital it has compared to its risk-weighted assets. Think of it as a safety buffer or cushion that helps ensure the bank can withstand financial stress. A higher CET1 ratio indicates a stronger position, which is important for investors because it signals greater stability and resilience.

adjusted efficiency ratio financial

"adjusted efficiency ratio was 53.31 percent"

A measure of how well a company converts its income into profit after removing unusual or one-time items that can distort results; it is calculated by dividing recurring operating costs by recurring revenue, with adjustments to exclude irregular charges or gains. Investors use it like a household budget that removes a rare emergency expense to see true spending efficiency — a lower adjusted efficiency ratio generally signals better cost control and higher underlying profitability.

Earnings Snapshot

Net income: $47.1 million

Third quarter of 2026

Net income $47.1 million Compared with $66.7 million in 2Q26 and a $562.8 million net loss in 3Q25

Diluted EPS $0.32 Compared with $0.46 in 2Q26 and $(4.00) in 3Q25

Adjusted net income $79.0 million Compared with $72.2 million in 2Q26 and $64.9 million in 3Q25

Adjusted diluted EPS $0.54 Compared with $0.50 in 2Q26 and $0.46 in 3Q25

Net interest margin (FTE) 3.92% Up 8 basis points from 2Q26 and 42 basis points from 3Q25

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much did SFNC earn in the third quarter of 2026?

Simmons reported $47.1 million of net income and $79.0 million of adjusted net income for 3Q26. Diluted EPS was $0.32, compared with adjusted diluted EPS of $0.54.

Does SFNC have to repurchase shares under its 2026 program?

No. The 2026 program does not obligate Simmons to repurchase common stock and may be modified, discontinued or suspended at any time without prior notice. Management determines any repurchase's timing, pricing and amount at its discretion based on market conditions, trading volume, stock price, capital needs and other listed factors.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/15/2026 - 04:31 PM EDT Accepted by SEC EDGAR 10/15/2026 - 04:30 PM EDT Learn about SEC filing dates

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

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

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

SIMMONS FIRST NATIONAL CORPORATION

(Exact name of registrant as specified in its charter)

Arkansas		0-6253		71-0407808
(State or other jurisdiction of incorporation)		(Commission File Number)		(I.R.S. Employer Identification No.)
501 Main Street, Pine Bluff, Arkansas				71601
(Address of principal executive offices)				(Zip Code)

(870) 541-1000

(Registrant’s telephone number, including area code)

Not Applicable

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

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

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

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

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

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

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

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common stock, par value $0.01 per share		SFNC		The Nasdaq Global Select Market

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

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

Item 2.02 Results of Operations and Financial Condition.

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

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

Item 7.01 Regulation FD Disclosure.

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

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

Item 9.01 Financial Statements and Exhibits.

Exhibit 99.1		Press Release dated October 15, 2026
Exhibit 99.2		Investor Presentation issued on October 15, 2026
Exhibit 104		Cover Page Interactive Data File (embedded within the Inline XBRL Document)

SIGNATURE

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

						SIMMONS FIRST NATIONAL CORPORATION
						/s/ C. Daniel Hobbs
Date: October 15, 2026						C. Daniel Hobbs, Executive Vice President and Chief Financial Officer

Exhibit 99.1

October 15, 2026

Simmons First National Corporation Reports Third Quarter Results

FINANCIAL HIGHLIGHTS		3Q26				2Q26				3Q25				3Q26 Highlights
INCOME STATEMENT SUMMARY (in millions)														Comparisons reflect 3Q26 vs 2Q26 unless otherwise noted • Net income of $47.1 million and diluted EPS of $0.32 • Adjusted net income1 of $79.0 million and adjusted diluted EPS1 of $0.54 • ROAA of 0.77% and ROE of 5.37% • Adjusted ROAA1 of 1.29%; adjusted ROTCE1 of 15.50% • Total revenue of $251.2 million and PPNR1 of $69.1 million • Adjusted total revenue1 of $251.2 million and adjusted PPNR1 of $112.3 million • Net interest margin up 8 bps to 3.92% • Loan yields up 5 bps and cost of deposits down 8 bps to 1.85% • Efficiency ratio of 71.59%; adjusted efficiency ratio1 of 53.31% • Provision expense exceeded net charge-offs by $14.1 million for the first nine months of 2026 • NCO ratio at 27 bps for 3Q26; ACL at 1.37%
Total revenue		$	251.2			$	248.6			$	(569.5	)
Adjusted total revenue1			251.2				248.6				232.5
Pre-provision net revenue1 (PPNR)			69.1				100.8				(711.6	)
Adjusted pre-provision net revenue1			112.3				108.2				92.8
Provision for credit losses			12.2				17.4				12.0
Net income (loss)			47.1				66.7				(562.8	)
Adjusted net income1			79.0				72.2				64.9
PER SHARE DATA
Diluted earnings		$	0.32			$	0.46			$	(4.00	)
Adjusted diluted earnings1			0.54				0.50				0.46
Cash dividend declared			0.2150				0.2150				0.2125
BALANCE SHEET (in millions)
Total loans		$	17,465			$	18,062			$	17,189
Total deposits			18,616				19,728				19,838
Total assets			24,074				24,777				24,208
Total shareholders’ equity			3,350				3,482				3,354
ASSET QUALITY
Net charge-off ratio (NCO ratio)			0.27	%			0.20	%			0.25	%
Allowance for credit losses to loans (ACL)			1.37				1.32				1.50
CAPITAL RATIOS
Equity to assets (EA) ratio			13.91	%			14.05	%			13.85	%
Tangible common equity (TCE) ratio1			8.62				8.91				8.53
Common equity tier 1 (CET1) ratio			12.05				11.60				11.54
Total risk-based capital ratio			14.80				14.35				15.07
OTHER RATIOS
Return on average assets (ROAA)			0.77	%			1.09	%			(8.96	)%
Adjusted ROAA1			1.29				1.17				1.03
Return on average common equity (ROE)			5.37				7.69				(66.29	)
Return on average tangible common equity1 (ROTCE)			9.42				13.32				(113.56	)
Adjusted ROTCE1			15.50				14.37				13.62
Net interest margin (FTE)2			3.92				3.84				3.50
Efficiency ratio			71.59				58.72				(25.11	)
Adjusted efficiency ratio1			53.31				54.26				57.72

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

“The third quarter showcased our commitment to delivering sustainable long-term value through focused execution of several strategic initiatives designed to improve profitability and further optimize our balance sheet. We continue to achieve reductions in noninterest expenses as well as back-book loans and deposits with low relationship value. Combined with disciplined loan and deposit pricing, these initiatives drove net interest margin expansion of 8 basis points to 3.92%, and drove meaningful improvements in our adjusted ROAA and adjusted ROTCE performance.

Credit quality metrics remained relatively stable during the quarter, as we actively manage legacy credits and pursue early identification of potential problems. We continue strengthening reserves to buffer our already strong capital levels.

As we look to the fourth quarter and beyond, we will remain relentless in our commitment to the principles of generating sound and profitable growth. By simplifying and focusing our business, we have gained efficiencies that will more than fund ongoing investments that support high-value organic growth. We plan to further outline our strategic objectives and future financial targets at our upcoming Investor Day in December.”

Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today reported net income of $47.1 million for the third quarter of 2026, compared to net income of $66.7 million for the second quarter of 2026 and a net loss of $562.8 million in the third quarter of 2025. Diluted earnings per share were $0.32 for the third quarter of 2026, compared to $0.46 for the second quarter of 2026 and $(4.00) for the third quarter of 2025. Adjusted earnings¹ for the third quarter of 2026 were $79.0 million, compared to $72.2 million for the second quarter of 2026 and $64.9 million for the third quarter of 2025. Adjusted diluted earnings per share¹ for the third quarter of 2026 were $0.54, compared to $0.50 for the second quarter of 2026 and $0.46 for the third quarter of 2025.

For the third quarter of 2026, return on average assets was 0.77 percent and return on average common equity was 5.37 percent. Adjusted return on average assets¹ was 1.29 percent and adjusted return on average tangible common equity¹ was 15.50 percent.

The table below summarizes the impact of certain items, consisting primarily of branch/real estate rightsizing costs, severance/early retirement program costs, certain professional services, accelerated prepaid expenses, loss on sale of securities and loss on early extinguishment of debt. These items are also described in further detail in the “Reconciliation of Non-GAAP Financial Measures” tables contained in this press release.

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

$ in millions, except per share data		3Q26				2Q26				3Q25
Net income (loss)		$	47.1			$	66.7			$	(562.8	)
Branch/real estate rightsizing costs, net			14.2				6.1				2.0
Severance/early retirement program costs			6.0				1.3				0.3
Certain professional services			17.1				—				—
Accelerated prepaid expenses			5.9				—				—
Loss on sale of securities			—				—				801.5
Loss on early extinguishment of debt			—				—				0.6
Total pre-tax impact			43.2				7.4				804.4
Tax effect			(11.3	)			(1.9	)			(176.7	)
Total impact on earnings			31.9				5.5				627.7
Adjusted earnings1, 3		$	79.0			$	72.2			$	64.9
Diluted EPS		$	0.32			$	0.46			$	(4.00	)
Branch/real estate rightsizing costs, net			0.10				0.04				0.01
Severance/early retirement program costs			0.04				0.01				—
Certain professional services			0.12				—				—
Accelerated prepaid expenses			0.04				—				—
Loss on sale of securities			—				—				5.70
Loss on early extinguishment of debt			—				—				—
Total pre-tax impact			0.30				0.05				5.71
Tax effect			(0.08	)			(0.01	)			(1.25	)
Total impact on earnings			0.22				0.04				4.46
Adjusted Diluted EPS1		$	0.54			$	0.50			$	0.46

Net Interest Income

Net interest income for the third quarter of 2026 totaled $204.0 million, up $3.3 million, or 7 percent annualized, compared to $200.6 million for the second quarter of 2026 and up $17.3 million, or 9 percent, compared to $186.7 million for the third quarter of 2025. The increase in net interest income on a linked quarter basis was due to a $1.4 million increase in interest income, coupled with a $2.0 million decrease in interest expense. These changes were primarily driven by loan yields increasing as lower fixed rate loan back book repriced higher, continued optimization of funding costs, including lower customer deposit costs and utilization of FHLB advances as an alternative to higher rate brokered deposits, and one extra day in the quarter. The increase in net interest income on a year-over-year basis was primarily due to a full quarter impact of balance sheet repositioning completed in the third quarter of 2025, along with the previously mentioned lower fixed rate loan back book repricing and optimization of funding cost.

Net interest margin for the third quarter of 2026 on a fully taxable equivalent (FTE) basis² was 3.92 percent, up 8 basis points compared to 3.84 percent for the second quarter of 2026 and up 42 basis points compared to 3.50 percent for the third quarter of 2025. The increase in net interest margin on a linked quarter basis reflected an increase in loan yields, coupled with the deleveraging of the balance sheet driven by the run-off of certain lower yielding, low relationship credits and a corresponding reduction of higher cost funding. The increase in the net interest margin on a year-over-year basis primarily reflected the full impact of the balance sheet repositioning that was completed during the third quarter of 2025 and previously mentioned optimization of loan yields and funding cost.

Select Yield/Rates		3Q26				2Q26				1Q26				4Q25				3Q25
Loan yield (FTE)2			6.20	%			6.15	%			6.16	%			6.23	%			6.31	%
Investment securities yield (FTE)2			4.33				4.26				4.25				4.30				4.01
Cost of interest bearing deposits			2.39				2.46				2.47				2.62				2.86
Cost of deposits			1.85				1.93				1.96				2.04				2.25
Net interest spread (FTE)2			3.35				3.26				3.27				3.18				2.86
Net interest margin (FTE)2			3.92				3.84				3.84				3.81				3.50

Noninterest Income

Noninterest income for the third quarter of 2026 was $47.2 million, compared to $47.9 million in the second quarter of 2026 and $(756.2) million in the third quarter of 2025. Included in noninterest income in the third quarter of 2025 was a loss on the sale of securities totaling $801.5 million in connection with the balance sheet repositioning. Adjusted noninterest income¹ for the third quarter of 2025 was $45.9 million. The decrease in noninterest income on a linked quarter basis was primarily due to a decrease in swap fee income and a higher positive valuation adjustment on Small Business Investment Company (SBIC) investments in the second quarter of 2026, both of which are included in “other income” in the table below. These decreases more than offset a $1.3 million increase in service charges on deposit accounts and a $1.2 million increase in wealth management services.

Noninterest Income $ in millions		3Q26				2Q26				1Q26				4Q25				3Q25
Service charges on deposit accounts		$	13.6			$	12.3			$	12.7			$	12.7			$	13.0
Wealth management services			11.4				10.2				10.5				10.3				10.0
Debit and credit card services			8.7				9.0				8.5				8.7				8.5
Mortgage lending income			1.7				2.0				1.9				2.2				2.3
Other service charges and fees			1.5				1.6				1.6				1.5				1.5
Bank owned life insurance			4.2				4.2				4.2				3.9				3.9
Gain (loss) on sale of securities			—				—				—				—				(801.5	)
Other income			6.0				8.6				4.8				12.4				6.1
Total noninterest income		$	47.2			$	47.9			$	44.2			$	51.7			$	(756.2	)
Adjusted noninterest income1		$	47.2			$	47.9			$	44.2			$	51.7			$	45.9

Noninterest Expense

Noninterest expense for the third quarter of 2026 was $182.0 million, compared to $147.7 million in the second quarter of 2026 and $142.0 million in the third quarter of 2025. Included in noninterest expense are certain items consisting of branch/real estate rightsizing costs, severance/early retirement program costs, certain professional services, accelerated prepaid expenses and loss on early extinguishment of debt. Collectively, these items totaled $43.1 million in the third quarter of 2026, $7.4 million in the second quarter of 2026 and $2.3 million in the third quarter of 2025. Excluding these items (which are described in the “Reconciliation of Non-GAAP Financial Measures” table below) adjusted noninterest expense¹ was $138.9 million in the third quarter of 2026, $140.3 million in the second quarter of 2026 and $139.7 million in the third quarter of 2025. The efficiency ratio for the third quarter of 2026 was 71.59 percent, compared to 58.72 percent for the second quarter of 2026 and (25.11) percent for the third quarter of 2025. The adjusted efficiency ratio¹ was 53.31 percent for the third quarter of 2026, compared to 54.26 percent for the second quarter of 2026 and 57.72 percent for the third quarter of 2025.

Noninterest Expense $ in millions		3Q26				2Q26				1Q26				4Q25				3Q25
Salaries and employee benefits		$	78.1			$	75.6			$	75.9			$	72.9			$	76.2
Occupancy expense, net			11.7				14.7				12.2				11.6				12.1
Furniture and equipment			5.4				5.7				5.4				5.3				5.3
Deposit insurance			4.5				4.5				2.3				4.7				5.2
Other real estate and foreclosure expense			0.2				0.7				0.3				0.4				0.2
Other operating expenses			82.1				46.6				44.5				44.8				43.0
Total noninterest expense		$	182.0			$	147.7			$	140.7			$	139.9			$	142.0
Adjusted salaries and employee benefits1		$	72.1			$	74.3			$	75.6			$	72.9			$	75.9
Adjusted other operating expenses1			45.0				44.2				43.1				44.0				41.5
Adjusted noninterest expense1			138.9				140.3				140.6				138.6				139.7
Efficiency ratio			71.59	%			58.72	%			57.56	%			55.52	%			(25.11	)%
Adjusted efficiency ratio1			53.31				54.26				56.16				53.64				57.72
Full-time equivalent employees			2,712				2,909				2,913				2,917				2,883
Number of financial centers			220				220				221				222				223

Loans and Unfunded Loan Commitments

Total loans at the end of the third quarter of 2026 were $17.5 billion, compared to $18.1 billion at the end of the second quarter of 2026 and $17.2 billion at the end of the third quarter of 2025. The decrease in total loans on a linked quarter basis reflected higher levels of paydowns, early payoffs, and continued focus on profitability and relationship banking as we deleveraged the balance sheet through the run-off of certain lower yielding, low relationship credits. Unfunded commitments at the end of the third quarter of 2026 were $4.4 billion, relatively unchanged from second quarter 2026 levels and up from $4.0 billion at the end of the third quarter of 2025. The commercial loan pipeline totaled $1.3 billion at the end of the third quarter of 2026, and ready-to-close commercial loans totaled $455 million with a weighted average rate of 6.78 percent.

Loans and Unfunded Loan Commitments $ in millions		3Q26				2Q26				1Q26				4Q25				3Q25
Total loans		$	17,465			$	18,062			$	17,933			$	17,492			$	17,189
Unfunded loan commitments			4,356				4,384				4,068				3,871				3,955

Deposits and Other Borrowings

Total deposits at the end of the third quarter of 2026 were $18.6 billion, compared to $19.7 billion at the end of the second quarter of 2026 and $19.8 billion at the end of the third quarter of 2025. Noninterest bearing deposits totaled $4.3 billion at the end of the third quarter of 2026, compared to $4.4 billion at the end of both the second quarter of 2026 and the third quarter of 2025. Interest bearing deposits at the end of the third quarter of 2026 totaled $14.3 billion, compared to $15.4 billion at the end of the second quarter of 2026 and $15.5 billion at the end of the third quarter of 2025. The decrease in interest bearing deposits on a linked quarter basis reflected balance sheet deleveraging of higher rate deposits, seasonal decreases in public fund deposits and a reduction in the utilization of brokered deposits given pricing relative to FHLB advances. The decrease in total deposits on a year-over-year basis primarily reflected a decrease in time deposits, coupled with a decrease in brokered deposits.

Other borrowings at the end of the third quarter of 2026 were $1.4 billion, compared to $941.3 million at the end of the second quarter of 2026 and $18.8 million at the end of the third quarter of 2025. The increase in other borrowings on a linked quarter and year-over-year basis reflected increased utilization of short-term FHLB advances given favorable pricing.

Deposits $ in millions		3Q26				2Q26				1Q26				4Q25				3Q25
Noninterest bearing deposits		$	4,286			$	4,350			$	4,290			$	4,330			$	4,377
Interest bearing transaction accounts			10,288				10,332				10,667				10,453				10,289
Time deposits			3,107				3,233				3,334				3,508				3,331
Brokered deposits			935				1,813				1,912				1,893				1,841
Total deposits		$	18,616			$	19,728			$	20,203			$	20,184			$	19,838
Noninterest bearing deposits to total deposits			23	%			22	%			21	%			21	%			22	%
Total loans to total deposits			94				92				89				87				87

Asset Quality

Provision for credit losses on loans totaled $12.2 million for the third quarter of 2026, compared to $17.4 million in the second quarter of 2026 and $15.2 million in the third quarter of 2025. Net charge-offs as a percentage of average loans for the third quarter of 2026 were 27 basis points, compared to 20 basis points in the second quarter of 2026 and 25 basis points in the third quarter of 2025. The allowance for credit losses on loans at the end of the third quarter of 2026 was $238.5 million, compared to $238.2 million at the end of the second quarter of 2026 and $258.0 million at the end of the third quarter of 2025. The allowance for credit losses on loans as a percentage of total loans at the end of the third quarter of 2026 was 1.37 percent, compared to 1.32 percent at the end of the second quarter of 2026 and 1.50 percent at the end of the third quarter of 2025.

Loans past due 30-89 days as a percentage of total loans were 30 basis points at the end of the third quarter of 2026, compared to 29 basis points at the end of the second quarter of 2026 and 11 basis points at the end of the third quarter of 2025. Total nonperforming loans at the end of the third quarter of 2026 totaled $179.9 million, compared to $166.1 million at the end of the second quarter of 2026 and $153.9 million at the end of the third quarter of 2025. The increase in nonperforming loans on a linked quarter basis reflected normal credit migration. The nonperforming loan coverage ratio ended the third quarter of 2026 at 133 percent, compared to 143 percent at the end of the second quarter of 2026 and 168 percent at the end of the third quarter of 2025. Total nonperforming assets as a percentage of total assets were 78 basis points at the end of the third quarter of 2026, compared to 72 basis points at the end of the second quarter of 2026 and 66 basis points at the end of the third quarter of 2025.

Asset Quality $ in millions		3Q26				2Q26				1Q26				4Q25				3Q25
Allowance for credit losses on loans to total loans			1.37	%			1.32	%			1.28	%			1.28	%			1.50	%
Allowance for credit losses on loans to nonperforming loans			133				143				162				199				168
Nonperforming loans to total loans			1.03				0.92				0.79				0.64				0.90
Net charge-off ratio (annualized)			0.27				0.20				0.21				1.12				0.25
Net charge-off ratio YTD (annualized)			0.23				0.21				0.21				0.47				0.24
Loans past due 30-89 days to total loans			0.30				0.29				0.51				0.27				0.11
Total nonperforming loans		$	179.9			$	166.1			$	141.9			$	112.7			$	153.9
Total other nonperforming assets			7.1				11.1				12.6				12.4				6.8
Total nonperforming assets		$	187.0			$	177.2			$	154.5			$	125.1			$	160.7
Reserve for unfunded commitments		$	25.6			$	25.6			$	25.6			$	25.6			$	25.6

Capital

Total stockholders’ equity at the end of the third quarter of 2026 was $3.3 billion, compared to $3.5 billion at the end of the second quarter of 2026 and $3.4 billion at the end of the third quarter of 2025. Book value per share at the end of the third quarter of 2026 was $23.18, compared to $24.11 at the end of the second quarter of 2026 and unchanged from the third quarter of 2025. Tangible book value per share¹ at the end of the third quarter of 2026 was $13.52, compared to $14.42 at the end of the second quarter of 2026 and $13.45 at the end of the third quarter of 2025. The decrease in book value per share and tangible book value per share on a linked quarter basis was primarily due to an increase in accumulated other comprehensive loss reflecting higher long-term interest rates, offset in part, by an increase in undivided profits.

Total stockholders’ equity as a percentage of total assets at the end of the third quarter of 2026 was 13.9 percent, compared to 14.1 percent at the end of the second quarter of 2026 and unchanged from the level at the end of the third quarter of 2025. Tangible common equity as a percentage of tangible assets¹ was 8.6 percent at the end of the third quarter of 2026, compared to 8.9 percent at the end of the second quarter of 2026 and 8.5 percent at the end of the third quarter of 2025. Both Simmons and its principal subsidiary, Simmons Bank, continue to maintain regulatory capital ratios significantly above “well-capitalized” regulatory guidelines.

Select Capital Ratios		3Q26				2Q26				1Q26				4Q25				3Q25
Stockholders’ equity to total assets			13.9	%			14.1	%			13.9	%			13.9	%			13.9	%
Tangible common equity to tangible assets1			8.6				8.9				8.7				8.7				8.5
Common equity tier 1 (CET1) ratio			12.1				11.6				11.6				11.6				11.5
Tier 1 leverage ratio			10.4				10.2				10.1				10.1				9.6
Tier 1 risk-based capital ratio			12.1				11.6				11.6				11.6				11.5
Total risk-based capital ratio			14.8				14.4				14.4				14.4				15.1

Share Repurchase Program

During the third quarter of 2026, Simmons did not repurchase shares under its stock repurchase program that was authorized in January 2026 (2026 Program). Remaining authorization under the 2026 Program as of September 30, 2026, was approximately $161 million. The timing, pricing and amount of any repurchases under the 2026 Program will be determined by Simmons’ management at its discretion based on a variety of factors, including, but not limited to, market conditions, trading volume and market price of Simmons’ common stock, Simmons’ capital needs, Simmons’ working capital and investment requirements, other corporate considerations, economic conditions, and legal requirements. The 2026 Program does not obligate Simmons to repurchase any common stock and may be modified, discontinued or suspended at any time without prior notice.

(1) Non-GAAP measurement. See “Non-GAAP Financial Measures” and “Reconciliation of Non-GAAP Financial Measures” below

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

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

Conference Call

Management will conduct a live conference call to review this information beginning at 7:30 a.m. Central Time on Friday, October 16, 2026. Interested parties can listen to this call by dialing toll-free 1-844-481-2779 (North America only) and asking for the Simmons First National Corporation conference call, conference ID 10212015. In addition, the call will be available live or in recorded version on Simmons’ website at simmonsbank.com for at least 60 days following the date of the call.

Simmons First National Corporation

Simmons First National Corporation (NASDAQ: SFNC) is a Mid-South based financial holding company that has paid cash dividends to its shareholders for 117 consecutive years. Its principal subsidiary, Simmons Bank, operates 220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank offers comprehensive financial solutions delivered with a client-centric approach. Recently, Simmons Bank was recognized by Newsweek as one of America’s Best Regional Banks and Credit Unions 2026, by Forbes as one of America’s Best-In-State Companies 2026 and by American Banker as one of the Top Performing Banks 2026 with $10 billion to $50 billion of assets. In 2025, Simmons Bank was recognized by Newsweek as one of America’s Greatest Workplaces 2025 in Arkansas and one of America’s Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom.

Non-GAAP Financial Measures

This press release contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (GAAP). The Company’s management uses these non-GAAP financial measures in their analysis of the Company’s performance. These measures adjust GAAP performance measures to, among other things, include the tax benefit associated with revenue items that are tax-exempt, as well as exclude from net income (including on a per share diluted basis), pre-tax, pre-provision earnings, net charge-offs, income available to common shareholders, noninterest income, and noninterest expense certain income and expense items attributable to, for example, branch/real estate rightsizing costs, severance/early retirement program costs, certain professional services, accelerated prepaid expenses, loss on sale of securities and loss on early extinguishment of debt.

In addition, the Company also presents certain figures based on tangible common stockholders’ equity, tangible assets and tangible book value, which exclude goodwill and other intangible assets. The Company further presents certain figures that are exclusive of the impact of deposits and/or loans acquired through acquisitions, mortgage warehouse loans, and/or energy loans, or gains and/or losses on the sale of securities. The Company’s management believes that these non-GAAP financial measures are useful to investors because they, among other things, present the results of the Company’s ongoing operations without the effect of mergers or other items not central to the Company’s ongoing business, as well as normalize for tax effects and certain other effects. Management, therefore, believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s ongoing businesses, and management uses these non-GAAP financial measures to assess the performance of the Company’s ongoing businesses as related to prior financial periods. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the tables of this release.

Forward-Looking Statements

Certain statements in this press release may not be based on historical facts and should be considered “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements, including, without limitation, statements made in Mr. Brogdon’s quote, may be identified by reference to future periods or by the use of forward-looking terminology, such as “believe,” “budget,” “expect,” “foresee,” “anticipate,” “intend,” “indicate,” “target,” “estimate,” “plan,” “project,” “continue,” “contemplate,” “positions,” “prospects,” “predict,” or “potential,” by future conditional verbs such as “will,” “would,” “should,” “could,” “might” or “may,” or by variations of such words or by similar expressions. These forward-looking statements include, without limitation, statements relating to Simmons’ future growth, business strategies, lending capacity and lending activity, loan demand, revenue, assets, asset quality, profitability, dividends, net interest margin, non-interest revenue, share repurchase program, acquisition strategy, digital banking initiatives, the Company’s ability to recruit and retain key employees, the adequacy of the allowance for credit losses, future economic conditions and interest rates, and the adequacy of reserve levels for loans. Any forward-looking statement speaks only as of the date of this press release, and Simmons undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date of this press release. By nature, forward-looking statements are based on various assumptions and involve inherent risk and uncertainties. Various factors, including, but not limited to, changes in economic conditions, changes in credit quality, changes in interest rates and related governmental policies, the effects of a government shutdown, changes in loan demand, changes in deposit flows, changes in real estate values, changes in the assumptions used in making the forward-looking statements, changes in the securities markets generally or the price of Simmons’ common stock specifically, changes in information technology affecting the financial industry, and changes in customer behaviors, including consumer spending, borrowing, and saving habits; changes in tariff policies; general economic and market conditions; changes in governmental administrations; market disruptions including pandemics or significant health hazards, severe weather conditions, natural disasters, terrorist activities, financial crises, political crises, war and other military conflicts (including the ongoing military conflicts in Iran and the Middle East and between Russia and Ukraine) or other major events, or the prospect of these events; the soundness of other financial institutions and any indirect exposure related to the closings of other financial institutions and their impact on the broader market through other customers, suppliers and partners, or that the conditions which resulted in the liquidity concerns experienced by closed financial institutions may also adversely impact, directly or indirectly, other financial institutions and market participants with which the Company has commercial or deposit relationships; increased inflation; the loss of key employees; increased competition in the markets in which the Company operates and from non-bank financial institutions; increased unemployment; labor shortages; claims, damages, and fines related to litigation or government actions; changes in accounting principles relating to loan loss recognition (current expected credit losses); fraud that results in material losses or that the Company has not discovered yet that may result in material losses; the Company’s ability to manage and successfully integrate its mergers and acquisitions and to fully realize cost savings and other benefits associated with acquisitions; increased delinquency and foreclosure rates on commercial real estate loans; significant increases in nonaccrual loan balances; cyber or other information technology threats, attacks or events; emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action or increase cybersecurity threats; reliance on third parties for key services; government legislation; and other factors, many of which are beyond the control of the Company, could cause actual results to differ materially from those projected in or contemplated by the forward-looking statements. In addition, there can be no guarantee that the board of directors (Board) of Simmons will approve a quarterly dividend in future quarters, and the timing, payment,

and amount of future dividends (if any) is subject to, among other things, the discretion of the Board and may differ significantly from past dividends. Additional information on factors that might affect the Company’s financial results is included in the Company’s Form 10-K for the year ended December 31, 2025, the Company’s Form 10-Qs for the quarters ended March 31, 2026 and June 30, 2026, and other reports that the Company has filed with or furnished to the U.S. Securities and Exchange Commission (the SEC), all of which are available from the SEC on its website, www.sec.gov.

FOR MORE INFORMATION CONTACT:

Ed Bilek, EVP, Director of Investor and Media Relations

ed.bilek@simmonsbank.com

205.612.3378 (cell)

Simmons First National Corporation Consolidated End of Period Balance Sheets For the Quarters Ended (Unaudited) SFNC

		Sep 30 2026				Jun 30 2026				Mar 31 2026				Dec 31 2025				Sep 30 2025
($ in thousands)
ASSETS
Cash and noninterest bearing balances due from banks		$	415,752			$	377,602			$	342,603			$	380,439			$	377,604
Interest bearing balances due from banks and federal funds sold			343,870				211,882				205,880				331,474				266,013
Cash and cash equivalents			759,622				589,484				548,483				711,913				643,617
Interest bearing balances due from banks - time			—				100				100				100				100
Investment securities - held-to-maturity			—				—				—				—				—
Investment securities - available-for-sale			2,743,458				3,077,181				3,152,286				3,266,221				3,319,277
Mortgage loans held for sale			12,916				16,450				14,311				17,438				15,507
Assets held in trading accounts			6,874				14,541				14,543				11,685				12,695
Loans:
Loans			17,464,682				18,062,369				17,932,883				17,492,179				17,188,817
Allowance for credit losses on loans			(238,520	)			(238,227	)			(229,908	)			(224,377	)			(258,006	)
Net loans			17,226,162				17,824,142				17,702,975				17,267,802				16,930,811
Premises and equipment			542,159				552,435				557,873				561,220				568,343
Foreclosed assets and other real estate owned			7,133				11,080				12,475				12,009				6,386
Interest receivable			110,004				103,016				101,557				104,062				104,383
Bank owned life insurance			548,119				545,252				542,486				540,001				539,372
Goodwill			1,320,799				1,320,799				1,320,799				1,320,799				1,320,799
Other intangible assets			75,132				78,228				81,325				84,423				87,520
Other assets			722,103				644,108				643,570				643,204				659,352
Total assets		$	24,074,481			$	24,776,816			$	24,692,783			$	24,540,877			$	24,208,162
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits:
Noninterest bearing transaction accounts		$	4,285,910			$	4,350,474			$	4,289,697			$	4,330,211			$	4,377,232
Interest bearing transaction accounts and savings deposits			11,005,547				11,133,265				11,311,979				11,141,169				10,932,914
Time deposits			3,324,686				4,244,371				4,601,107				4,712,658				4,527,587
Total deposits			18,616,143				19,728,110				20,202,783				20,184,038				19,837,733
Federal funds purchased and securities sold under agreements to repurchase			99,444				46,216				8,708				21,383				22,348
Other borrowings			1,365,751				941,256				446,756				302,253				18,832
Subordinated notes and debentures			301,884				312,028				315,700				317,714				648,976
Accrued interest and other liabilities			341,455				267,347				281,102				296,249				326,310
Total liabilities			20,724,677				21,294,957				21,255,049				21,121,637				20,854,199
Stockholders’ equity:
Common stock			1,445				1,444				1,451				1,448				1,447
Surplus			2,839,951				2,837,845				2,848,952				2,846,581				2,848,977
Undivided profits			953,349				937,307				901,696				864,341				817,022
Accumulated other comprehensive (loss) income			(444,941	)			(294,737	)			(314,365	)			(293,130	)			(313,483	)
Total stockholders’ equity			3,349,804				3,481,859				3,437,734				3,419,240				3,353,963
Total liabilities and stockholders’ equity		$	24,074,481			$	24,776,816			$	24,692,783			$	24,540,877			$	24,208,162

Page 1

Simmons First National Corporation Consolidated Statements of Income - Quarter-to-Date For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
($ in thousands, except per share data)
INTEREST INCOME
Loans (including fees)		$	275,903			$	274,271			$	267,287			$	270,868			$	269,210
Interest bearing balances due from banks and federal funds sold			2,541				2,058				2,320				2,485				6,421
Investment securities			30,239				31,013				31,882				33,833				37,464
Mortgage loans held for sale			236				202				203				227				229
Assets held in trading accounts			124				136				122				118				99
TOTAL INTEREST INCOME			309,043				307,680				301,814				307,531				313,423
INTEREST EXPENSE
Time deposits			31,154				36,996				39,949				41,989				49,064
Other deposits			58,295				58,536				57,653				60,516				67,546
Federal funds purchased and securities sold under agreements to repurchase			141				426				36				57				72
Other borrowings			10,220				5,873				1,746				2,138				2,957
Subordinated notes and debentures			5,257				5,222				5,262				5,535				7,123
TOTAL INTEREST EXPENSE			105,067				107,053				104,646				110,235				126,762
NET INTEREST INCOME			203,976				200,627				197,168				197,296				186,661
PROVISION FOR CREDIT LOSSES
Provision for credit losses on loans			12,167				17,434				14,622				15,116				15,180
Provision for credit losses on investment securities - HTM			—				—				—				—				(3,214	)
TOTAL PROVISION FOR CREDIT LOSSES			12,167				17,434				14,622				15,116				11,966
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES			191,809				183,193				182,546				182,180				174,695
NONINTEREST INCOME
Service charges on deposit accounts			13,609				12,329				12,656				12,669				13,045
Debit and credit card fees			8,735				9,008				8,503				8,660				8,478
Wealth management fees			11,440				10,240				10,533				10,337				9,965
Mortgage lending income			1,668				1,994				1,854				2,232				2,259
Bank owned life insurance income			4,218				4,218				4,218				3,942				3,943
Other service charges and fees (includes insurance income)			1,509				1,551				1,606				1,503				1,474
Gain (loss) on sale of securities			—				—				—				—				(801,492	)
Other income			6,012				8,599				4,827				12,365				6,141
TOTAL NONINTEREST INCOME			47,191				47,939				44,197				51,708				(756,187	)
NONINTEREST EXPENSE
Salaries and employee benefits			78,077				75,590				75,885				72,924				76,249
Occupancy expense, net			11,708				14,715				12,218				11,636				12,106
Furniture and equipment expense			5,382				5,739				5,423				5,304				5,275
Other real estate and foreclosure expense			230				695				315				432				200
Deposit insurance			4,519				4,450				2,295				4,736				5,175
Other operating expenses			82,119				46,550				44,537				44,830				43,027
TOTAL NONINTEREST EXPENSE			182,035				147,739				140,673				139,862				142,032
NET INCOME (LOSS) BEFORE INCOME TAXES			56,965				83,393				86,070				94,026				(723,524	)
Provision for income taxes			9,852				16,702				17,526				15,948				(160,732	)
NET INCOME (LOSS)		$	47,113			$	66,691			$	68,544			$	78,078			$	(562,792	)
BASIC EARNINGS PER SHARE		$	0.33			$	0.46			$	0.47			$	0.54			$	(4.01	)
DILUTED EARNINGS PER SHARE		$	0.32			$	0.46			$	0.47			$	0.54			$	(4.00	)

Page 2

Simmons First National Corporation Consolidated Risk-Based Capital For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
($ in thousands)
Tier 1 capital
Stockholders’ equity		$	3,349,804			$	3,481,859			$	3,437,734			$	3,419,240			$	3,353,963
Disallowed intangible assets, net of deferred tax			(1,364,874	)			(1,367,717	)			(1,370,562	)			(1,374,839	)			(1,376,255	)
Unrealized loss (gain) on AFS securities			444,941				294,737				314,365				293,130				313,483
Total Tier 1 capital			2,429,871				2,408,879				2,381,537				2,337,531				2,291,191
Tier 2 capital
Subordinated notes and debentures			301,884				312,028				315,700				317,714				648,976
Subordinated debt phase out			—				—				—				—				(198,000	)
Qualifying allowance for loan losses and reserve for unfunded commitments			252,179				259,618				255,537				250,006				248,710
Total Tier 2 capital			554,063				571,646				571,237				567,720				699,686
Total risk-based capital		$	2,983,934			$	2,980,525			$	2,952,774			$	2,905,251			$	2,990,877
Risk weighted assets		$	20,162,327			$	20,765,212			$	20,565,445			$	20,106,493			$	19,861,879
Adjusted average assets for leverage ratio		$	23,337,099			$	23,617,439			$	23,487,513			$	23,224,638			$	23,963,356
Ratios at end of quarter
Equity to assets			13.91	%			14.05	%			13.92	%			13.93	%			13.85	%
Tangible common equity to tangible assets (1)			8.62	%			8.91	%			8.74	%			8.71	%			8.53	%
Common equity Tier 1 ratio (CET1)			12.05	%			11.60	%			11.58	%			11.63	%			11.54	%
Tier 1 leverage ratio			10.41	%			10.20	%			10.14	%			10.06	%			9.56	%
Tier 1 risk-based capital ratio			12.05	%			11.60	%			11.58	%			11.63	%			11.54	%
Total risk-based capital ratio			14.80	%			14.35	%			14.36	%			14.45	%			15.07	%

(1) Calculations of tangible common equity to tangible assets and the reconciliations to GAAP are included in the schedules accompanying this release.

Page 3

Simmons First National Corporation Consolidated Investment Securities For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
($ in thousands)
Investment Securities - End of Period
Held-to-Maturity
U.S. Government agencies		$	—			$	—			$	—			$	—			$	—
Mortgage-backed securities			—				—				—				—				—
State and political subdivisions			—				—				—				—				—
Other securities			—				—				—				—				—
Total held-to-maturity (net of credit losses)			—				—				—				—				—
Available-for-Sale
U.S. Treasury		$	—			$	—			$	—			$	—			$	—
U.S. Government agencies			17,708				44,425				46,329				47,172				48,355
Mortgage-backed securities			1,893,901				2,061,760				2,128,732				2,201,958				2,249,593
State and political subdivisions			751,322				865,467				838,880				859,071				845,371
Other securities			80,527				105,529				138,345				158,020				175,958
Total available-for-sale (net of credit losses)			2,743,458				3,077,181				3,152,286				3,266,221				3,319,277
Total investment securities (net of credit losses)		$	2,743,458			$	3,077,181			$	3,152,286			$	3,266,221			$	3,319,277
Fair value - HTM investment securities		$	—			$	—			$	—			$	—			$	—

Page 4

Simmons First National Corporation Consolidated Loans For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
($ in thousands)
Loan Portfolio - End of Period
Consumer:
Credit cards		$	167,388			$	174,148			$	172,610			$	175,760			$	173,020
Other consumer			86,552				99,117				96,387				115,472				112,335
Total consumer			253,940				273,265				268,997				291,232				285,355
Real Estate:
Construction			2,475,768				2,577,630				2,621,859				2,873,807				2,874,823
Single-family residential			2,505,437				2,564,282				2,566,162				2,607,450				2,617,849
Other commercial real estate			8,715,947				8,828,771				8,764,648				8,289,968				7,875,649
Total real estate			13,697,152				13,970,683				13,952,669				13,771,225				13,368,321
Commercial:
Commercial			2,340,957				2,516,607				2,521,440				2,382,339				2,397,388
Agricultural			447,255				426,522				333,508				306,300				353,181
Total commercial			2,788,212				2,943,129				2,854,948				2,688,639				2,750,569
Other			725,378				875,292				856,269				741,083				784,572
Total loans		$	17,464,682			$	18,062,369			$	17,932,883			$	17,492,179			$	17,188,817

Page 5

Simmons First National Corporation Consolidated Allowance and Asset Quality For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
($ in thousands)
Allowance for Credit Losses on Loans
Beginning balance		$	238,227			$	229,908			$	224,377			$	258,006			$	253,537
Loans charged off:
Credit cards			1,523				1,368				1,677				1,346				1,862
Other consumer			328				350				590				550				600
Real estate			8,535				5,465				6,629				25,850				1,350
Commercial			2,663				3,520				1,666				22,004				8,079
Total loans charged off			13,049				10,703				10,562				49,750				11,891
Recoveries of loans previously charged off:
Credit cards			326				244				468				347				257
Other consumer			241				381				301				163				303
Real estate			165				151				449				105				115
Commercial			443				812				253				390				505
Total recoveries			1,175				1,588				1,471				1,005				1,180
Net loans charged off			11,874				9,115				9,091				48,745				10,711
Provision for credit losses on loans			12,167				17,434				14,622				15,116				15,180
Balance, end of quarter		$	238,520			$	238,227			$	229,908			$	224,377			$	258,006
Nonperforming assets
Nonperforming loans:
Nonaccrual loans		$	179,397			$	165,295			$	141,233			$	111,791			$	153,516
Loans past due 90 days or more			488				753				647				948				423
Total nonperforming loans			179,885				166,048				141,880				112,739				153,939
Other nonperforming assets:
Foreclosed assets and other real estate owned			7,133				11,080				12,475				12,009				6,386
Other nonperforming assets			12				60				181				323				392
Total other nonperforming assets			7,145				11,140				12,656				12,332				6,778
Total nonperforming assets		$	187,030			$	177,188			$	154,536			$	125,071			$	160,717
Loans past due 30-89 days (excluding nonaccrual)		$	51,871			$	52,308			$	91,245			$	47,016			$	19,207
Ratios
Allowance for credit losses on loans to total loans			1.37	%			1.32	%			1.28	%			1.28	%			1.50	%
Allowance for credit losses to nonperforming loans			133	%			143	%			162	%			199	%			168	%
Nonperforming loans to total loans			1.03	%			0.92	%			0.79	%			0.64	%			0.90	%
Nonperforming assets to total assets			0.78	%			0.72	%			0.63	%			0.51	%			0.66	%
Annualized net charge offs to average loans (QTD)			0.27	%			0.20	%			0.21	%			1.12	%			0.25	%
Annualized net charge offs to average loans (YTD)			0.23	%			0.21	%			0.21	%			0.47	%			0.24	%
Annualized net credit card charge offs to average credit card loans (QTD)			2.75	%			2.57	%			2.81	%			2.23	%			3.64	%
Loans past due 30-89 days to total loans			0.30	%			0.29	%			0.51	%			0.27	%			0.11	%

Page 6

Simmons First National Corporation Consolidated - Average Balance Sheet and Net Interest Income Analysis For the Quarters Ended (Unaudited) SFNC

		Three Months Ended Sep 2026												Three Months Ended Jun 2026												Three Months Ended Sep 2025
($ in thousands)		Average Balance				Income/ Expense				Yield/ Rate				Average Balance				Income/ Expense				Yield/ Rate				Average Balance				Income/ Expense				Yield/ Rate
ASSETS
Earning assets:
Interest bearing balances due from banks and federal funds sold		$	246,779			$	2,541				4.09	%		$	199,704			$	2,058				4.13	%		$	566,344			$	6,421				4.50	%
Investment securities - taxable			2,163,583				24,728				4.53	%			2,301,053				25,472				4.44	%			2,751,493				29,183				4.21	%
Investment securities - non-taxable (FTE)			787,115				7,461				3.76	%			802,448				7,502				3.75	%			1,242,936				11,210				3.58	%
Mortgage loans held for sale			15,665				236				5.98	%			13,556				202				5.98	%			13,776				229				6.60	%
Assets held in trading accounts			12,499				124				3.94	%			14,731				136				3.70	%			11,305				99				3.47	%
Loans - including fees (FTE)			17,735,235				277,069				6.20	%			17,956,572				275,339				6.15	%			16,976,231				270,092				6.31	%
Total interest earning assets (FTE)			20,960,876				312,159				5.91	%			21,288,064				310,709				5.85	%			21,562,085				317,234				5.84	%
Non-earning assets			3,371,350												3,349,957												3,352,837
Total assets		$	24,332,226											$	24,638,021											$	24,914,922
LIABILITIES AND STOCKHOLDERS’ EQUITY
Interest bearing liabilities:
Interest bearing transaction and savings accounts		$	11,104,164			$	58,295				2.08	%		$	11,192,627			$	58,536				2.10	%		$	11,043,132			$	67,546				2.43	%
Time deposits			3,764,350				31,154				3.28	%			4,406,355				36,996				3.37	%			5,116,070				49,064				3.80	%
Total interest bearing deposits			14,868,514				89,449				2.39	%			15,598,982				95,532				2.46	%			16,159,202				116,610				2.86	%
Federal funds purchased and securities sold under agreement to repurchase			22,142				141				2.53	%			57,758				426				2.96	%			23,306				72				1.23	%
Other borrowings			1,083,796				10,220				3.74	%			635,693				5,873				3.71	%			268,278				2,957				4.37	%
Subordinated notes and debentures			309,678				5,257				6.73	%			314,108				5,222				6.67	%			407,922				7,123				6.93	%
Total interest bearing liabilities			16,284,130				105,067				2.56	%			16,606,541				107,053				2.59	%			16,858,708				126,762				2.98	%
Noninterest bearing liabilities:
Noninterest bearing deposits			4,262,855												4,272,088												4,369,941
Other liabilities			307,051												280,861												317,965
Total liabilities			20,854,036												21,159,490												21,546,614
Stockholders’ equity			3,478,190												3,478,531												3,368,308
Total liabilities and stockholders’ equity		$	24,332,226											$	24,638,021											$	24,914,922
Net interest income (FTE)						$	207,092											$	203,656											$	190,472
Net interest spread (FTE)											3.35	%											3.26	%											2.86	%
Net interest margin (FTE)											3.92	%											3.84	%											3.50	%

Page 7

Simmons First National Corporation Consolidated - Selected Financial Data For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
($ in thousands, except share data)
QUARTER-TO-DATE
Financial Highlights - As Reported
Net Income (loss)		$	47,113			$	66,691			$	68,544			$	78,078			$	(562,792	)
Diluted earnings per share			0.32				0.46				0.47				0.54				(4.00	)
Return on average assets			0.77	%			1.09	%			1.13	%			1.28	%			-8.96	%
Return on average tangible assets (non-GAAP) (1)			0.85	%			1.19	%			1.24	%			1.40	%			-9.46	%
Return on average common equity			5.37	%			7.69	%			8.01	%			9.08	%			-66.29	%
Return on tangible common equity (non-GAAP) (1)			9.42	%			13.32	%			13.90	%			15.92	%			-113.56	%
Net interest margin (FTE)			3.92	%			3.84	%			3.84	%			3.81	%			3.50	%
Efficiency ratio (2)			71.59	%			58.72	%			57.56	%			55.52	%			-25.11	%
FTE adjustment			3,116				3,029				3,012				2,890				3,811
Average diluted shares outstanding			145,054,299				145,323,958				145,340,410				145,210,222				140,648,704
Shares repurchased under plan			—				662,082				—				—				—
Average price of shares repurchased			—				21.52				—				—				—
Cash dividends declared per common share			0.215				0.215				0.215				0.213				0.213
Accretable yield on acquired loans			(221	)			778				902				749				725
Financial Highlights - Adjusted (non-GAAP) (1)
Adjusted earnings		$	78,980			$	72,171			$	68,566			$	78,975			$	64,930
Adjusted diluted earnings per share			0.54				0.50				0.47				0.54				0.46
Adjusted return on average assets			1.29	%			1.17	%			1.13	%			1.29	%			1.03	%
Adjusted return on average tangible assets (non-GAAP) (1)			1.41	%			1.29	%			1.24	%			1.41	%			1.13	%
Adjusted return on average common equity			9.01	%			8.32	%			8.01	%			9.19	%			7.65	%
Adjusted return on tangible common equity			15.50	%			14.37	%			13.91	%			16.10	%			13.62	%
Adjusted efficiency ratio (2)			53.31	%			54.26	%			56.16	%			53.64	%			57.72	%
YEAR-TO-DATE
Financial Highlights - GAAP
Net Income (loss)		$	182,348			$	135,235			$	68,544			$	(397,553	)		$	(475,631	)
Diluted earnings per share			1.25				0.93				0.47				(2.95	)			(3.63	)
Return on average assets			1.00	%			1.11	%			1.13	%			-1.55	%			-2.44	%
Return on average tangible assets (non-GAAP) (1)			1.10	%			1.22	%			1.24	%			-1.60	%			-2.54	%
Return on average common equity			7.01	%			7.85	%			8.01	%			-11.45	%			-18.21	%
Return on tangible common equity (non-GAAP) (1)			12.19	%			13.61	%			13.90	%			-18.84	%			-30.13	%
Net interest margin (FTE)			3.86	%			3.84	%			3.84	%			3.32	%			3.17	%
Efficiency ratio (2)			62.70	%			58.15	%			57.56	%			460.26	%			-329.30	%
FTE adjustment			9,157				6,041				3,012				19,537				16,647
Average diluted shares outstanding			145,305,872				145,335,181				145,340,410				134,731,180				131,132,891
Cash dividends declared per common share			0.645				0.430				0.215				0.850				0.638
Financial Highlights - Adjusted (non-GAAP) (1)
Adjusted earnings		$	219,717			$	140,737			$	68,566			$	233,098			$	154,123
Adjusted diluted earnings per share			1.51				0.97				0.47				1.73				1.18
Adjusted return on average assets			1.20	%			1.15	%			1.13	%			0.91	%			0.79	%
Adjusted return on average tangible assets (non-GAAP) (1)			1.31	%			1.26	%			1.24	%			1.00	%			0.87	%
Adjusted return on average common equity			8.45	%			8.17	%			8.01	%			6.71	%			5.90	%
Adjusted return on tangible common equity			14.60	%			14.14	%			13.91	%			11.78	%			10.37	%
Adjusted efficiency ratio (2)			54.56	%			55.20	%			56.16	%			58.92	%			60.90	%
END OF PERIOD
Book value per share		$	23.18			$	24.11			$	23.70			$	23.62			$	23.18
Tangible book value per share			13.52				14.42				14.03				13.91				13.45
Shares outstanding			144,517,233				144,442,482				145,058,331				144,762,817				144,703,075
Full-time equivalent employees			2,712				2,909				2,913				2,917				2,883
Total number of financial centers			220				220				221				222				223

(1) Non-GAAP measurement that management believes aids in the understanding and discussion of results. Reconciliations to GAAP are included in the schedules accompanying this release.  

(2) Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent) and noninterest revenues. Adjusted efficiency ratio is noninterest expense before foreclosed property expense, amortization of intangibles and certain adjusting items as a percent of net interest income (fully taxable equivalent) and noninterest revenues, excluding gains and losses from securities transactions and certain adjusting items, and is a non-GAAP measurement.  

Page 8

Simmons First National Corporation Reconciliation Of Non-GAAP Financial Measures - Adjusted Earnings - Quarter-to-Date For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
(in thousands, except per share data)
QUARTER-TO-DATE
Net income (loss)		$	47,113			$	66,691			$	68,544			$	78,078			$	(562,792	)
Certain items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				—				570
FDIC Deposit Insurance special assessment			—				—				(1,984	)			—				—
Certain professional services			17,069				—				1,200				—				—
Severance/early retirement program costs			5,997				1,320				283				—				305
Termination of vendor and software services			—				—				—				12				—
Loss on sale of Equipment Finance business			—				—				—				1,118				—
Loss (gain) on sale of securities			—				—				—				—				801,492
Branch/real estate rightsizing costs, net			14,186				6,099				531				85				2,004
Accelerated prepaid expenses			5,889				—				—				—				—
Tax effect of certain items (1)			(11,274	)			(1,939	)			(8	)			(318	)			(176,649	)
Certain items, net of tax			31,867				5,480				22				897				627,722
Adjusted earnings (non-GAAP) (2)		$	78,980			$	72,171			$	68,566			$	78,975			$	64,930
Diluted earnings per share		$	0.32			$	0.46			$	0.47			$	0.54			$	(4.00	)
Certain items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				—				—
FDIC Deposit Insurance special assessment			—				—				(0.01	)			—				—
Certain professional services			0.12				—				0.01				—				—
Severance/early retirement program costs			0.04				0.01				—				—				—
Termination of vendor and software services			—				—				—				—				—
Loss on sale of Equipment Finance business			—				—				—				0.01				—
Loss (gain) on sale of securities			—				—				—				—				5.70
Branch/real estate rightsizing costs, net			0.10				0.04				—				—				0.01
Accelerated prepaid expenses			0.04				—				—				—				—
Tax effect of certain items (1)			(0.08	)			(0.01	)			—				(0.01	)			(1.25	)
Certain items, net of tax			0.22				0.04				—				—				4.46
Adjusted diluted earnings per share (non-GAAP)		$	0.54			$	0.50			$	0.47			$	0.54			$	0.46

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

(2) In this press release, “Adjusted Earnings” may also be referred to as “Adjusted Net Income.”

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

QUARTER-TO-DATE
Noninterest income		$	47,191			$	47,939			$	44,197			$	51,708			$	(756,187	)
Certain noninterest income items
Loss on early extinguishment of debt			—				—				—				—				570
Loss (gain) on sale of securities			—				—				—				—				801,492
Adjusted noninterest income (non-GAAP)		$	47,191			$	47,939			$	44,197			$	51,708			$	45,875
Other income		$	6,012			$	8,599			$	4,827			$	12,365			$	6,141
Certain other income items
Loss on early extinguishment of debt			—				—				—				—				570
Adjusted other income (non-GAAP)		$	6,012			$	8,599			$	4,827			$	12,365			$	6,711
Noninterest expense		$	182,035			$	147,739			$	140,673			$	139,862			$	142,032
Certain noninterest expense items
Severance/early retirement program costs			(5,997	)			(1,320	)			(283	)			—				(305	)
FDIC Deposit Insurance special assessment			—				—				1,984				—				—
Certain professional services			(17,069	)			—				(1,200	)			—				—
Termination of vendor and software services			—				—				—				(12	)			—
Loss on sale of Equipment Finance business			—				—				—				(1,118	)			—
Accelerated prepaid expenses			(5,889	)			—				—				—				—
Branch/real estate rightsizing costs			(14,186	)			(6,099	)			(531	)			(85	)			(2,004	)
Adjusted noninterest expense (non-GAAP)			138,894				140,320				140,643				138,647				139,723
Less: Fraud event			—				—				—				—				—
Adjusted noninterest expense, excluding fraud event (non-GAAP)		$	138,894			$	140,320			$	140,643			$	138,647			$	139,723
Salaries and employee benefits		$	78,077			$	75,590			$	75,885			$	72,924			$	76,249
Certain salaries and employee benefits items
Severance/early retirement program costs			(5,997	)			(1,320	)			(283	)			—				(305	)
Other			56				4				—				—				(1	)
Adjusted salaries and employee benefits (non-GAAP)		$	72,136			$	74,274			$	75,602			$	72,924			$	75,943
Other operating expenses		$	82,119			$	46,550			$	44,537			$	44,830			$	43,027
Certain other operating expenses items
Certain professional services			(17,069	)			—				(1,200	)			—				—
Termination of vendor and software services			—				—				—				(12	)			—
Loss on sale of Equipment Finance business			—				—				—				(1,118	)			—
Accelerated prepaid expenses			(5,889	)			—				—				—				—
Branch/real estate rightsizing costs			(14,174	)			(2,399	)			(205	)			327				(1,556	)
Adjusted other operating expenses (non-GAAP)		$	44,987			$	44,151			$	43,132			$	44,027			$	41,471

Page 9

Simmons First National Corporation Reconciliation Of Non-GAAP Financial Measures - Adjusted Earnings - Year-to-Date For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
(in thousands, except per share data)
YEAR-TO-DATE
Net income (loss)		$	182,348			$	135,235			$	68,544			$	(397,553	)		$	(475,631	)
Certain items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				570				570
FDIC Deposit Insurance special assessment			(1,984	)			(1,984	)			(1,984	)			—				—
Certain professional services			18,269				1,200				1,200				—				—
Severance/early retirement program costs			7,600				1,603				283				1,899				1,899
Termination of vendor and software services			—				—				—				12				—
Loss on sale of Equipment Finance business			—				—				—				1,118				—
Loss (gain) on sale of securities			—				—				—				801,492				801,492
Branch/real estate rightsizing costs, net			20,816				6,630				531				3,246				3,161
Accelerated prepaid expenses			5,889				—				—				—				—
Tax effect of certain items (1)			(13,221	)			(1,947	)			(8	)			(177,686	)			(177,368	)
Certain items, net of tax			37,369				5,502				22				630,651				629,754
Adjusted earnings (non-GAAP) (2)		$	219,717			$	140,737			$	68,566			$	233,098			$	154,123
Diluted earnings per share		$	1.25			$	0.93			$	0.47			$	(2.95	)		$	(3.63	)
Certain items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				0.01				—
FDIC Deposit Insurance special assessment			(0.01	)			(0.01	)			(0.01	)			—				—
Certain professional services			0.13				0.01				0.01				—				—
Severance/early retirement program costs			0.05				0.01				—				0.01				0.02
Termination of vendor and software services			—				—				—				—				—
Loss on sale of Equipment Finance business			—				—				—				0.01				—
Loss (gain) on sale of securities			—				—				—				5.95				6.11
Branch/real estate rightsizing costs, net			0.14				0.04				—				0.02				0.02
Accelerated prepaid expenses			0.04				—				—				—				—
Tax effect of certain items (1)			(0.09	)			(0.01	)			—				(1.32	)			(1.34	)
Certain items, net of tax			0.26				0.04				—				4.68				4.81
Adjusted diluted earnings per share (non-GAAP)		$	1.51			$	0.97			$	0.47			$	1.73			$	1.18

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

(2) In this press release, “Adjusted Earnings” may also be referred to as “Adjusted Net Income.”  

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

YEAR-TO-DATE
Noninterest income		$	139,327			$	92,136			$	44,197			$	(615,970	)		$	(667,678	)
Certain noninterest income items
Loss on early extinguishment of debt			—				—				—				570				570
Loss (gain) on sale of securities			—				—				—				801,492				801,492
Adjusted noninterest income (non-GAAP)		$	139,327			$	92,136			$	44,197			$	186,092			$	134,384
Other income		$	19,438			$	13,426			$	4,827			$	31,350			$	18,985
Certain other income items
Loss on early extinguishment of debt			—				—				—				570				570
Adjusted other income (non-GAAP)		$	19,438			$	13,426			$	4,827			$	31,920			$	19,555
Noninterest expense		$	470,447			$	288,412			$	140,673			$	565,063			$	425,201
Certain noninterest expense items
Severance/early retirement program costs			(7,600	)			(1,603	)			(283	)			(1,899	)			(1,899	)
FDIC Deposit Insurance special assessment			1,984				1,984				1,984				—				—
Certain professional services			(18,269	)			(1,200	)			(1,200	)			—				—
Termination of vendor and software services			—				—				—				(12	)			—
Loss on sale of Equipment Finance business			—				—				—				(1,118	)			—
Accelerated prepaid expenses			(5,889	)			—				—				—				—
Branch/real estate rightsizing costs			(20,816	)			(6,630	)			(531	)			(3,246	)			(3,161	)
Adjusted noninterest expense (non-GAAP)			419,857				280,963				140,643				558,788				420,141
Less: Fraud event			—				—				—				(4,300	)			(4,300	)
Adjusted noninterest expense, excluding fraud event (non-GAAP)		$	419,857			$	280,963			$	140,643			$	554,488			$	415,841
Salaries and employee benefits		$	229,552			$	151,475			$	75,885			$	297,859			$	224,935
Certain salaries and employee benefits items
Severance/early retirement program costs			(7,600	)			(1,603	)			(283	)			(1,899	)			(1,899	)
Other			60				4				—				—				—
Adjusted salaries and employee benefits (non-GAAP)		$	222,012			$	149,876			$	75,602			$	295,960			$	223,036
Other operating expenses		$	173,206			$	91,087			$	44,537			$	176,184			$	131,354
Certain other operating expenses items
Certain professional services			(18,269	)			(1,200	)			(1,200	)			—				—
Termination of vendor and software services			—				—				—				(12	)			—
Loss on sale of Equipment Finance business			—				—				—				(1,118	)			—
Accelerated prepaid expenses			(5,889	)			—				—				—				—
Branch/real estate rightsizing costs			(22,667	)			(2,604	)			(205	)			(1,135	)			(1,462	)
Adjusted other operating expenses (non-GAAP)		$	132,270			$	87,283			$	43,132			$	173,919			$	129,892

Page 10

Simmons First National Corporation Reconciliation Of Non-GAAP Financial Measures - End of Period For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				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		$	3,349,804			$	3,481,859			$	3,437,734			$	3,419,240			$	3,353,963
Intangible assets:
Goodwill			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)
Other intangible assets			(75,132	)			(78,228	)			(81,325	)			(84,423	)			(87,520	)
Total intangibles			(1,395,931	)			(1,399,027	)			(1,402,124	)			(1,405,222	)			(1,408,319	)
Tangible common stockholders’ equity		$	1,953,873			$	2,082,832			$	2,035,610			$	2,014,018			$	1,945,644
Total assets		$	24,074,481			$	24,776,816			$	24,692,783			$	24,540,877			$	24,208,162
Intangible assets:
Goodwill			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)
Other intangible assets			(75,132	)			(78,228	)			(81,325	)			(84,423	)			(87,520	)
Total intangibles			(1,395,931	)			(1,399,027	)			(1,402,124	)			(1,405,222	)			(1,408,319	)
Tangible assets		$	22,678,550			$	23,377,789			$	23,290,659			$	23,135,655			$	22,799,843
Ratio of common equity to assets			13.91	%			14.05	%			13.92	%			13.93	%			13.85	%
Ratio of tangible common equity to tangible assets			8.62	%			8.91	%			8.74	%			8.71	%			8.53	%
Calculation of Tangible Book Value per Share
Total common stockholders’ equity		$	3,349,804			$	3,481,859			$	3,437,734			$	3,419,240			$	3,353,963
Intangible assets:
Goodwill			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)
Other intangible assets			(75,132	)			(78,228	)			(81,325	)			(84,423	)			(87,520	)
Total intangibles			(1,395,931	)			(1,399,027	)			(1,402,124	)			(1,405,222	)			(1,408,319	)
Tangible common stockholders’ equity		$	1,953,873			$	2,082,832			$	2,035,610			$	2,014,018			$	1,945,644
Shares of common stock outstanding			144,517,233				144,442,482				145,058,331				144,762,817				144,703,075
Book value per common share		$	23.18			$	24.11			$	23.70			$	23.62			$	23.18
Tangible book value per common share		$	13.52			$	14.42			$	14.03			$	13.91			$	13.45
Calculation of Coverage Ratio of Uninsured, Non-Collateralized Deposits
Uninsured deposits at Simmons Bank		$	7,223,797			$	7,213,361			$	7,385,688			$	9,640,677			$	9,565,766
Less: Collateralized deposits (excluding portion that is FDIC insured)			2,148,607				2,385,340				2,509,728				2,363,327				2,169,362
Less: Intercompany eliminations			407,004				324,404				432,795				2,729,191				2,937,147
Total uninsured, non-collateralized deposits		$	4,668,186			$	4,503,617			$	4,443,165			$	4,548,159			$	4,459,257
FHLB borrowing availability		$	4,993,000			$	5,412,000			$	5,831,000			$	5,999,000			$	6,134,000
Unpledged securities			1,091,000				1,488,000				1,571,000				1,480,000				1,575,000
Fed funds lines, Fed discount window and Bank Term Funding Program (1)			1,863,000				1,953,000				1,595,000				1,836,000				1,824,000
Additional liquidity sources		$	7,947,000			$	8,853,000			$	8,997,000			$	9,315,000			$	9,533,000
Uninsured, non-collateralized deposit coverage ratio			1.7				2.0				2.0				2.0				2.1

(1) The Bank Term Funding Program closed for new loans on March 11, 2024. At no time did Simmons borrow funds under this program.

Page 11

Simmons First National Corporation Reconciliation Of Non-GAAP Financial Measures - Quarter-to-Date For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
($ in thousands)
Calculation of Adjusted Return on Average Assets & Average Tangible Assets
Net income (loss)		$	47,113			$	66,691			$	68,544			$	78,078			$	(562,792	)
Amortization of intangibles, net of taxes			2,289				2,287				2,288				2,288				2,287
Total adjusted tangible net income (non-GAAP)		$	49,402			$	68,978			$	70,832			$	80,366			$	(560,505	)
Certain items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				—				570
FDIC Deposit Insurance special assessment			—				—				(1,984	)			—				—
Certain professional services			17,069				—				1,200				—				—
Severance/early retirement program costs			5,997				1,320				283				—				305
Termination of vendor and software services			—				—				—				12				—
Loss on sale of Equipment Finance business			—				—				—				1,118				—
Loss (gain) on sale of securities			—				—				—				—				801,492
Branch/real estate rightsizing costs, net			14,186				6,099				531				85				2,004
Accelerated prepaid expenses			5,889				—				—				—				—
Tax effect of certain items (1)			(11,274	)			(1,939	)			(8	)			(318	)			(176,649	)
Adjusted earnings (non-GAAP)			78,980				72,171				68,566				78,975				64,930
Amortization of intangibles, net of taxes			2,289				2,287				2,288				2,288				2,287
Total adjusted tangible net income (non-GAAP)		$	81,269			$	74,458			$	70,854			$	81,263			$	67,217
Average total assets		$	24,332,226			$	24,638,021			$	24,533,005			$	24,254,447			$	24,914,922
Average intangible assets:
Goodwill			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)
Other intangibles			(77,005	)			(80,123	)			(83,248	)			(86,206	)			(89,349	)
Total average intangibles			(1,397,804	)			(1,400,922	)			(1,404,047	)			(1,407,005	)			(1,410,148	)
Average tangible assets (non-GAAP)		$	22,934,422			$	23,237,099			$	23,128,958			$	22,847,442			$	23,504,774
Return on average assets			0.77	%			1.09	%			1.13	%			1.28	%			-8.96	%
Adjusted return on average assets (non-GAAP)			1.29	%			1.17	%			1.13	%			1.29	%			1.03	%
Return on average tangible assets (non-GAAP)			0.85	%			1.19	%			1.24	%			1.40	%			-9.46	%
Adjusted return on average tangible assets (non-GAAP)			1.41	%			1.29	%			1.24	%			1.41	%			1.13	%
Calculation of Return on Tangible Common Equity
Net income (loss) available to common stockholders		$	47,113			$	66,691			$	68,544			$	78,078			$	(562,792	)
Amortization of intangibles, net of taxes			2,289				2,287				2,288				2,288				2,287
Total income available to common stockholders		$	49,402			$	68,978			$	70,832			$	80,366			$	(560,505	)
Certain items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				—				570
FDIC Deposit Insurance special assessment			—				—				(1,984	)			—				—
Certain professional services			17,069				—				1,200				—				—
Severance/early retirement program costs			5,997				1,320				283				—				305
Termination of vendor and software services			—				—				—				12				—
Loss on sale of Equipment Finance business			—				—				—				1,118				—
Loss (gain) on sale of securities			—				—				—				—				801,492
Branch/real estate rightsizing costs, net			14,186				6,099				531				85				2,004
Accelerated prepaid expenses			5,889				—				—				—				—
Tax effect of certain items (1)			(11,274	)			(1,939	)			(8	)			(318	)			(176,649	)
Adjusted earnings (non-GAAP)			78,980				72,171				68,566				78,975				64,930
Amortization of intangibles, net of taxes			2,289				2,287				2,288				2,288				2,287
Total adjusted earnings available to common stockholders (non-GAAP)		$	81,269			$	74,458			$	70,854			$	81,263			$	67,217
Average common stockholders’ equity		$	3,478,190			$	3,478,531			$	3,470,260			$	3,410,017			$	3,368,308
Average intangible assets:
Goodwill			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)
Other intangibles			(77,005	)			(80,123	)			(83,248	)			(86,206	)			(89,349	)
Total average intangibles			(1,397,804	)			(1,400,922	)			(1,404,047	)			(1,407,005	)			(1,410,148	)
Average tangible common stockholders’ equity (non-GAAP)		$	2,080,386			$	2,077,609			$	2,066,213			$	2,003,012			$	1,958,160
Return on average common equity			5.37	%			7.69	%			8.01	%			9.08	%			-66.29	%
Return on tangible common equity			9.42	%			13.32	%			13.90	%			15.92	%			-113.56	%
Adjusted return on average common equity (non-GAAP)			9.01	%			8.32	%			8.01	%			9.19	%			7.65	%
Adjusted return on tangible common equity (non-GAAP)			15.50	%			14.37	%			13.91	%			16.10	%			13.62	%

Page 12

Simmons First National Corporation Reconciliation Of Non-GAAP Financial Measures - Quarter-to-Date (continued) For the Quarters Ended (Unaudited) SFNC

		Sep 30				Jun 30				Mar 31				Dec 31				Sep 30
		2026				2026				2026				2025				2025
($ in thousands)
Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)
Noninterest expense (efficiency ratio numerator)		$	182,035			$	147,739			$	140,673			$	139,862			$	142,032
Certain noninterest expense items (non-GAAP)
Severance/early retirement program costs			(5,997	)			(1,320	)			(283	)			—				(305	)
FDIC Deposit Insurance special assessment			—				—				1,984				—				—
Certain professional services			(17,069	)			—				(1,200	)			—				—
Termination of vendor and software services			—				—				—				(12	)			—
Loss on sale of Equipment Finance business			—				—				—				(1,118	)			—
Accelerated prepaid expenses			(5,889	)			—				—				—				—
Branch/real estate rightsizing costs			(14,186	)			(6,099	)			(531	)			(85	)			(2,004	)
Other real estate and foreclosure expense adjustment			(230	)			(695	)			(315	)			(432	)			(200	)
Amortization of intangibles adjustment			(3,098	)			(3,097	)			(3,097	)			(3,097	)			(3,097	)
Adjusted efficiency ratio numerator		$	135,566			$	136,528			$	137,231			$	135,118			$	136,426
Net interest income		$	203,976			$	200,627			$	197,168			$	197,296			$	186,661
Noninterest income			47,191				47,939				44,197				51,708				(756,187	)
Fully tax-equivalent adjustment (2)			3,116				3,029				3,012				2,890				3,811
Efficiency ratio denominator			254,283				251,595				244,377				251,894				(565,715	)
Certain noninterest income items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				—				570
(Gain) loss on sale of securities			—				—				—				—				801,492
Adjusted efficiency ratio denominator		$	254,283			$	251,595			$	244,377			$	251,894			$	236,347
Efficiency ratio (1)			71.59	%			58.72	%			57.56	%			55.52	%			-25.11	%
Adjusted efficiency ratio (non-GAAP) (1)			53.31	%			54.26	%			56.16	%			53.64	%			57.72	%
Calculation of Total Revenue and Adjusted Total Revenue
Net interest income		$	203,976			$	200,627			$	197,168			$	197,296			$	186,661
Noninterest income			47,191				47,939				44,197				51,708				(756,187	)
Total revenue			251,167				248,566				241,365				249,004				(569,526	)
Certain items, pre-tax (non-GAAP)
Plus: Loss on early extinguishment of debt			—				—				—				—				570
Less: Gain (loss) on sale of securities			—				—				—				—				(801,492	)
Adjusted total revenue		$	251,167			$	248,566			$	241,365			$	249,004			$	232,536
Calculation of Pre-Provision Net Revenue (PPNR)
Net interest income		$	203,976			$	200,627			$	197,168			$	197,296			$	186,661
Noninterest income			47,191				47,939				44,197				51,708				(756,187	)
Total revenue			251,167				248,566				241,365				249,004				(569,526	)
Less: Noninterest expense			182,035				147,739				140,673				139,862				142,032
Pre-Provision Net Revenue (PPNR)		$	69,132			$	100,827			$	100,692			$	109,142			$	(711,558	)
Calculation of Adjusted Pre-Provision Net Revenue
Pre-Provision Net Revenue (PPNR)		$	69,132			$	100,827			$	100,692			$	109,142			$	(711,558	)
Certain items, pre-tax (non-GAAP)
Plus: Loss on early extinguishment of debt			—				—				—				—				570
Plus: Loss (gain) on sale of securities			—				—				—				—				801,492
Plus: FDIC Deposit Insurance special assessment			—				—				(1,984	)			—				—
Plus: Certain professional services			17,069				—				1,200				—				—
Plus: Severance/early retirement program costs			5,997				1,320				283				—				305
Plus: Termination of vendor and software services			—				—				—				12				—
Plus: Loss on sale of Equipment Finance business			—				—				—				1,118				—
Plus: Branch/real estate rightsizing costs, net			14,186				6,099				531				85				2,004
Plus: Accelerated prepaid expenses			5,889				—				—				—				—
Adjusted Pre-Provision Net Revenue		$	112,273			$	108,246			$	100,722			$	110,357			$	92,813

(1) Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent} and 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 Reconciliation Of Non-GAAP Financial Measures - Year-to-Date For the Quarters Ended (Unaudited) SFNC

		Sep 30 2026				Jun 30 2026				Mar 31 2026				Dec 31 2025				Sep 30 2025
($ in thousands)
Calculation of Adjusted Return on Average Assets & Average Tangible Assets
Net income (loss)		$	182,348			$	135,235			$	68,544			$	(397,553	)		$	(475,631	)
Amortization of intangibles, net of taxes			6,864				4,575				2,288				9,469				7,181
Total adjusted tangible net income (non-GAAP)		$	189,212			$	139,810			$	70,832			$	(388,084	)		$	(468,450	)
Certain items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				570				570
FDIC Deposit Insurance special assessment			(1,984	)			(1,984	)			(1,984	)			—				—
Certain professional services			18,269				1,200				1,200				—				—
Severance/early retirement program costs			7,600				1,603				283				1,899				1,899
Termination of vendor and software services			—				—				—				12				—
Loss on sale of Equipment Finance business			—				—				—				1,118				—
Loss (gain) on sale of securities			—				—				—				801,492				801,492
Branch/real estate rightsizing costs, net			20,816				6,630				531				3,246				3,161
Accelerated prepaid expenses			5,889				—				—				—				—
Tax effect of certain items (1)			(13,221	)			(1,947	)			(8	)			(177,686	)			(177,368	)
Adjusted earnings (non-GAAP)			219,717				140,737				68,566				233,098				154,123
Amortization of intangibles, net of taxes			6,864				4,575				2,288				9,469				7,181
Total adjusted tangible net income (non-GAAP)		$	226,581			$	145,312			$	70,854			$	242,567			$	161,304
Average total assets		$	24,500,349			$	24,585,803			$	24,533,005			$	25,614,700			$	26,073,100
Average intangible assets:
Goodwill			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)
Other intangibles			(80,102	)			(81,677	)			(83,248	)			(90,913	)			(92,499	)
Total average intangibles			(1,400,901	)			(1,402,476	)			(1,404,047	)			(1,411,712	)			(1,413,298	)
Average tangible assets (non-GAAP)		$	23,099,448			$	23,183,327			$	23,128,958			$	24,202,988			$	24,659,802
Return on average assets			1.00	%			1.11	%			1.13	%			-1.55	%			-2.44	%
Adjusted return on average assets (non-GAAP)			1.20	%			1.15	%			1.13	%			0.91	%			0.79	%
Return on average tangible assets (non-GAAP)			1.10	%			1.22	%			1.24	%			-1.60	%			-2.54	%
Adjusted return on average tangible assets (non-GAAP)			1.31	%			1.26	%			1.24	%			1.00	%			0.87	%
Calculation of Return on Tangible Common Equity
Net income (loss) available to common stockholders		$	182,348			$	135,235			$	68,544			$	(397,553	)		$	(475,631	)
Amortization of intangibles, net of taxes			6,864				4,575				2,288				9,469				7,181
Total income available to common stockholders		$	189,212			$	139,810			$	70,832			$	(388,084	)		$	(468,450	)
Certain items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				570				570
FDIC Deposit Insurance special assessment			(1,984	)			(1,984	)			(1,984	)			—				—
Certain professional services			18,269				1,200				1,200				—				—
Severance/early retirement program costs			7,600				1,603				283				1,899				1,899
Termination of vendor and software services			—				—				—				12				—
Loss on sale of Equipment Finance business			—				—				—				1,118				—
Loss (gain) on sale of securities			—				—				—				801,492				801,492
Branch/real estate rightsizing costs, net			20,816				6,630				531				3,246				3,161
Accelerated prepaid expenses			5,889				—				—				—				—
Tax effect of certain items (1)			(13,221	)			(1,947	)			(8	)			(177,686	)			(177,368	)
Adjusted earnings (non-GAAP)			219,717				140,737				68,566				233,098				154,123
Amortization of intangibles, net of taxes			6,864				4,575				2,288				9,469				7,181
Total adjusted earnings available to common stockholders (non-GAAP)		$	226,581			$	145,312			$	70,854			$	242,567			$	161,304
Average common stockholders’ equity		$	3,475,690			$	3,474,419			$	3,470,260			$	3,471,531			$	3,492,261
Average intangible assets:
Goodwill			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)			(1,320,799	)
Other intangibles			(80,102	)			(81,677	)			(83,248	)			(90,913	)			(92,499	)
Total average intangibles			(1,400,901	)			(1,402,476	)			(1,404,047	)			(1,411,712	)			(1,413,298	)
Average tangible common stockholders’ equity (non-GAAP)		$	2,074,789			$	2,071,943			$	2,066,213			$	2,059,819			$	2,078,963
Return on average common equity			7.01	%			7.85	%			8.01	%			-11.45	%			-18.21	%
Return on tangible common equity			12.19	%			13.61	%			13.90	%			-18.84	%			-30.13	%
Adjusted return on average common equity (non-GAAP)			8.45	%			8.17	%			8.01	%			6.71	%			5.90	%
Adjusted return on tangible common equity (non-GAAP)			14.60	%			14.14	%			13.91	%			11.78	%			10.37	%

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

Page 14

Simmons First National Corporation Reconciliation Of Non-GAAP Financial Measures - Year-to-Date (continued) For the Quarters Ended (Unaudited) SFNC

		Sep 30 2026				Jun 30 2026				Mar 31 2026				Dec 31 2025				Sep 30 2025
($ in thousands)
Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)
Noninterest expense (efficiency ratio numerator)		$	470,447			$	288,412			$	140,673			$	565,063			$	425,201
Certain noninterest expense items (non-GAAP)
Severance/early retirement program costs			(7,600	)			(1,603	)			(283	)			(1,899	)			(1,899	)
FDIC Deposit Insurance special assessment			1,984				1,984				1,984				—				—
Certain professional services			(18,269	)			(1,200	)			(1,200	)			—				—
Termination of vendor and software services			—				—				—				(12	)			—
Loss on sale of Equipment Finance business			—				—				—				(1,118	)			—
Accelerated prepaid expenses			(5,889	)			—				—				—				—
Branch/real estate rightsizing costs			(20,816	)			(6,630	)			(531	)			(3,246	)			(3,161	)
Other real estate and foreclosure expense adjustment			(1,233	)			(1,003	)			(308	)			(1,046	)			(614	)
Amortization of intangibles adjustment			(9,292	)			(6,194	)			(3,097	)			(12,819	)			(9,722	)
Adjusted efficiency ratio numerator		$	409,332			$	273,766			$	137,238			$	544,923			$	409,805
Net interest income		$	601,771			$	397,795			$	197,168			$	719,203			$	521,907
Noninterest income			139,327				92,136				44,197				(615,970	)			(667,678	)
Fully tax-equivalent adjustment (2)			9,157				6,041				3,012				19,537				16,647
Efficiency ratio denominator			750,255				495,972				244,377				122,770				(129,124	)
Certain noninterest income items (non-GAAP)
Loss on early extinguishment of debt			—				—				—				570				570
(Gain) loss on sale of securities			—				—				—				801,492				801,492
Adjusted efficiency ratio denominator		$	750,255			$	495,972			$	244,377			$	924,832			$	672,938
Efficiency ratio (1)			62.70	%			58.15	%			57.56	%			460.26	%			-329.30	%
Adjusted efficiency ratio (non-GAAP) (1)			54.56	%			55.20	%			56.16	%			58.92	%			60.90	%

(1) Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent) and noninterest revenues. Adjusted efficiency ratio is noninterest expense before foreclosed property expense, amortization of intangibles and certain adjusting items as a percent of net interest income (fully taxable equivalent) and noninterest revenues, excluding gains and losses from securities transactions and certain adjusting items, and is a non-GAAP measurement.

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

Page 15

Nasdaq SFNC Exhibit 99.2 rd 3 Quarter 2026 Earnings Presentation October 15, 2026

New York City I December 10 Join President and CEO Jay Brogdon, CFO Daniel Hobbs, and other members of the executive leadership team for an update on Simmons' strategy, financial performance and vision for the future. Attendance in person is for institutional investors and analysts, by invitation only. A live webcast of the event and presentation materials will be available on Simmons' Investor Relations website at https://ir.simmonsbank.com. For additional information, contact Ed Bilek at investorrelations@simmonsbank.com. 2

Company Overview Simmons First National Corporation A Mid-South based financial holding company serving our $24.1 $18.6 customers and the communities where we work and live since 1903 BILLION BILLION TOTAL ASSETS TOTAL DEPOSITS $10.8 $17.5 CONSECUTIVE YEARS 3 117 PAYING DIVIDENDS BILLION BILLION ASSETS UNDER TOTAL LOANS MANAGEMENT/ ADMINISTRATION YEARS OF SERVICE 123 14.80% 8.62% 1 TOTAL RBC RATIO TCE RATIO FINANCIAL CENTERS 220 ACROSS SIX STATES 3.9% 94% 4 2 DIVIDEND YIELD LOAN TO DEPOSIT Top Performing Banks 2026 American Banker RATIO America’s Best-In-State Companies 2026 Forbes America’s Best Regional Banks and Credit Unions 2026 Newsweek 1.37% 0.27% ACL TO TOTAL NET CHARGE-OFF LOANS RATIO Figures presented on this slide are as of September 30, 2026, unless otherwise noted 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 3 2 Based on October 9, 2026, closing stock price of $22.18 and annualized dividend rate of $0.86 per share 3 The future payment of dividends is not guaranteed and is subject to various factors, including approval by the Company’s board of directors 4 American Banker, top performing banks 2026 with $10 billion to $50 billion of assets

3Q26 Financial Highlights 4

3Q26 Highlights ❑ Improved profitability metrics 1 1 ─ Adjusted ROTCE of 15.50%; adjusted ROAA of 1.29% 1 Reported Adjusted 1 ─ On track to deliver expected double digit adjusted PPNR growth, up 21% year-over-year 1 ─ Adjusted efficiency ratio improved to 53.31%, down 95 bps Net income $47.1M $79.0M ─ Year-to-date adjusted operating leverage of 13% 2 ─ Net interest margin up 8 bps to 3.92%; cost of deposits declined 8 bps EPS (diluted) $0.32 $0.54 1 ─ Adjusted noninterest expense down 4% linked quarter annualized ❑ Balance sheet deleveraging ROAA 0.77% 1.29% ─ Decrease in total loans primarily reflects the run-off of certain lower yielding, low 1 relationship credits ROTCE 9.42% 15.50% ─ Reduced utilization of higher cost funding Revenue $251.2M $251.2M ❑ Credit quality ─ NCO ratio of 27 bps; year-to-date NCO ratio of 23 bps 1 PPNR $69.1M $112.3M ─ Provision expense exceeded net charge-offs; ACL ratio up to 1.37% ─ Loans past due 30-89 days stable at 30 bps 2 NIM 3.92% ─ Linked quarter increase in NPLs reflected normal credit migration; no concentration by industry or geographic area NCO ratio 27 bps ❑ Strong capital position ─ Utilized excess capital to fund investments in our business and execute efficiency initiatives ACL ratio 1.37% designed to further enhance sustainable profitability and growth ─ CET1 ratio at 12.05%, up 45 bps Comparisons on this page are 3Q26 vs 2Q26, unless otherwise noted 1 Non-GAAP measures that management believes aid in the discussion of results. See Appendix for Non-GAAP reconciliations 5 2 Net interest margin (NIM) is presented on a fully taxable equivalent (FTE) basis using an effective tax rate of 26.135%

Income Statement Highlights 2 2 Net Interest Income Adjusted Total Revenue Adjusted PPNR $ in millions $ in millions $ in millions +8% +9% +21% $204.0 $251.2 $112.3 $249.0 $248.6 $200.6 $110.4 $108.2 $197.3 $197.2 $241.4 $100.7 $232.5 $92.8 $186.7 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 1 NIM 3.50% 3.84% 3.92% 3.81% 3.84% 2 2 2 Adjusted NIE Adjusted Net Income Adjusted Diluted EPS $ in millions $ in millions +22% +17% (1)% $79.0 $79.0 $0.54 $0.54 $72.2 $68.6 $0.50 $64.9 $140.6 $0.47 $140.3 $0.46 $139.7 $138.9 $138.6 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 PPNR – Pre-provision net revenue NIE – Noninterest Expense 6 EPS – Earnings per Share 1 Net interest margin (NIM) is presented on a fully taxable equivalent (FTE) basis using an effective tax rate of 26.135% 2 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations

Net Interest Margin (FTE) 1 1 Net Interest Margin Net Interest Margin Evolution FTE (%) FTE +42 bps 3.92% 2 bps 1 bp 2 bps 3 bps 3.92% 3.84% 3.84% 3.84% 3.81% 3.50% 2Q26 Balance Funding Other 3Q26 Loan Sheet Mix Rate Yield 3Q25 4Q25 1Q26 2Q26 3Q26 Select Yields/Rates Commentary FTE (%) ❑ Balance sheet deleveraging primarily reflects the run-off of certain lower 6.31 6.23 6.20 6.16 6.15 yielding, low relationship credits in conjunction with decreased utilization of higher cost funding 4.30 4.25 4.33 4.26 4.01 ❑ Loan yields up 5 bps linked quarter reflects favorable back book repricing • 136 bps favorable repricing of fixed rate loans maturing vs new production (40) bps ❑ Deposit costs down 8 bps linked quarter due to reduced utilization of brokered deposits and continued optimization of customer interest bearing deposit cost 2.25 2.04 1.96 1.93 (8) bps 1.85 3Q25 4Q25 1Q26 2Q26 3Q26 Loan Yield (FTE) Securities (FTE) Cost of Deposits 1 Net interest margin (NIM) is presented on a fully taxable equivalent (FTE) basis using an effective tax rate of 26.135% 7

Noninterest Income 1 1 3Q26 Adjusted 3Q26 vs Adjusted 1 $ in millions Reported 2Q26 3Q25 Adjusted Commentary Service charges on deposit accounts $ 13.6 $ 13.6 $ 1.3 10 % $ 0.6 4 % ❑ Linked quarter decrease primarily driven by: Wealth management services 11.4 11.4 1.2 12 1.5 15 • $1.7M decrease in swap fee income driven by changes in interest rate environment and lower loan Debit and credit card services 8 .7 8.7 (0.3) (3) 0.3 3 production Mortgage lending income 1.7 1.7 (0.3) (16) ( 0.6) (26) • Decrease in “other” income primarily due to $1.0 million decrease in SBIC valuation adjustment Bank owned life insurance 4 .2 4.2 - - 0.3 7 ❑ Offset in part by increases in: Swap fee income 0 .4 0.4 ( 1.7) (79) (0.5) (52) • $1.3M increase in service charges on deposit accounts due to an increase in transaction volume Other service charges and fees 1.5 1.5 - ( 3) - 2 • $1.2M increase in wealth management services Other 5.6 5.6 (0.9) (14) ( 0.2) (4) driven by increased activity across the footprint primarily due to investments in talent acquisition Total noninterest income $ 47.2 $ 47.2 $(0.7) ( 2) % $ 1.3 3 % 1 Adjusted Total Revenue Per Employee Adjusted Noninterest Income Adjusted PPNR per Avg. Diluted Share 1 1 (FTE) to Adjusted Total Revenue +17% ($ in thousands) 20.8% $0.77 $92.6 $0.76 $0.74 19.7% 19.3% $0.69 $85.4 $85.4 18.8% $0.66 $82.9 18.3% $80.7 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 Totals may not foot due to rounding FTE – Full-time equivalent 8 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations

Noninterest Expense 1 1 3Q26 Adjusted 3Q26 vs Adjusted Commentary 1 $ in millions 2Q26 3Q25 Reported Adjusted 1 ❑ Adjusted efficiency ratio improves 95 bps to 53.31% Salaries and employee benefits $ 78.1 $ 72.1 $(2.1) (3) % $(3.8) (5) % ❑ $43.1M of non-core, one-time charges (primarily included in “other” expense) that are expected to Occupancy expense, net 11.7 11.6 0.6 5 - - positively impact future annual PPNR in an estimated range of $37M to $42M Furniture and equipment 5 .4 5.4 ( 0.3) (6) 0.1 2 • A portion of these benefits are expected to fund ongoing business investments Deposit insurance 4 .5 4.5 0.1 2 (0.7) (13) • 26 branches set to close on December 4, 2026 OREO and foreclosure expense 0.2 0.2 ( 0.5) (67) - 15 • 197 FTE reduction and elimination of 65 open positions as part of new operating model design Other 82.1 45.0 0.8 2 3.5 8 Total noninterest expense $182.0 $138.9 $(1.4) ( 1) % $(0.8) (1) % 1 Adjusted Efficiency Ratio Employees (FTE) # of Financial Centers 441 bp improvement 223 222 221 220 220 2,917 2,913 2,909 2,883 2,712 57.72% 56.16% 54.26% 53.64% 53.31% 194 (95) bps 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 Branches Set for closure in 4Q26 Note: Numbers may not add due to rounding FTE – full-time equivalent 9 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations

Deposits, Interest Rate Sensitivity, Hedging Program and Capital 10

Deposits Deposit Mix $ in billions; Period End Balances Evolution of Funding Rates $19.8 $20.2 $20.2 $19.7 $18.6 5.0% 5.33% 9.3% 9.4% 9.2% 5.27% 9.5% 13.2% 4.66% 12.5% 13.4% 14.2% 13.8% 4.33% 4.33% 4.30% 13.5% Customer 3.90% 3.67% 3.64% 3.63% 14.7% 14.0% 13.2% 3.53% 3.52% 13.3% 3.28% Deposits 3.05% 2.97% 2.86% 2.62% 2.47% 2.46% 2.39% 95.0% 45.3% 41.4% 41.7% 2.79% 2.79% 41.8% 41.8% 2.60% 2.44% 2.36% 2.25% 2.04% 1.96% 1.93% 1.85% Interest Bearing Deposits Cost of Deposits Avg Fed Funds Rate 23.0% 22.1% 21.5% 21.2% 22.1% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 Noninterest Bearing Interest Bearing Transaction Accounts Time Deposits Public Funds (interest bearing) Brokered Deposits 1 Linked Quarter Deposit Change Commentary $ in millions; Period End Balances ❑ Grew core customer transaction account balances by $173M; improved customer deposit mix Total Deposits $(1,112) ❑ Brokered deposits declined due to deleveraging balance sheet and further Noninterest Bearing Transaction Accounts $(36) $173M net growth utilization of FHLB given relative favorable pricing customer NIB/IB Interest Bearing Transaction and Savings Accounts $209 ❑ Public funds decline reflects normal seasonality deposits Time Deposits $(109) ❑ Continued to effectively manage deposit costs, reflected by 8 bps decrease on a linked quarter basis Public Funds (interest bearing) $(270) ❑ Decrease in time deposits reflects continued, planned run-off of non- relationship CDs or subsequent reinvestment into lower cost deposits Brokered (MM & CDs) and Other Non-Customer Deposits $(906) Totals may not add due to rounding Source: Average Fed Funds rate based on data from www.macrotrends.net 11 1 Linked quarter change is 3Q26 vs 2Q26

Interest Rate Sensitivity CD Maturities (over the next 12 months) Loan Portfolio – Repricing and Maturity (contractual) $ in millions At September 30, 2026 $ in millions Weighted Average Rates Repricing Term Rate Structure 3 mo 3-12 1-3 3-5 Over 5 3.41% 3.86% 3.12% 3.71% 2.89% 3.00% Total Variable Fixed or less mo years years years $1,702.0 RE - Construction $ 2,212.3 $ 131.4 $ 66.9 $ 60.3 $ 4.9 $ 2,475.8 $ 2,115.1 $ 360.7 RE - Commercial 5,145.4 1,152.9 1,255.7 746.5 415.4 8,715.9 4,873.4 3,842.5 RE - Single-Family 727.0 355.6 452.4 351.5 618.9 2,505.4 1,402.0 1,103.4 $726.7 Commercial (C&I) 1,622.8 124.4 261.1 260.9 71.8 2,341.0 1,585.5 755.4 $327.8 $218.9 $128.7 $88.8 Consumer 192.9 12.1 34.2 7.2 7.5 253.9 185.7 68.3 1 Other 669.6 26.8 52.0 36.3 387.9 1,172.6 659.7 512.9 4Q26 1Q27 2Q27 3Q27 Total $ 10,570.1 $ 1,803.2 $ 2,122.3 $ 1,462.7 $ 1,506.4 $ 17,464.7 $ 10,821.4 $ 6,643.3 Customer CDs Brokered CDs 2 6.70% 5.33% 6.19% 6.42% 4.85% 6.30% 6.72% 5.65% Weighted average rate Note: Weighted average rates in the table above are based on contractual repricing and maturity. Does not include the impact of Hedging Program summarized on Slide 13 Balance Sheet Interest Rate Sensitivity Over the next 12 months (estimated) Additional Interest Rate Sensitivity Factors Change in Interest Rates % Impact on Net Interest Income 3 ❑ ~$95 million of projected securities principal maturities per quarter Up 25 bps 0.3% ❑ ~$2.1 billion of loans with a weighted average rate of less than 4% repricing over the next three years; ~$1.5 billion of which reprices in the next twelve months 4 ❑ ~26% of customer interest bearing deposits are tied to index rates, principally Fed Funds target rate Up 50 bps 0.5% Up 75 bps 0.8% Assumes an immediate, parallel change in interest rates and static balance sheet as of September 30, 2026. Totals may not add due to rounding 1 Other includes agriculture, mortgage warehouse and other loans 12 2 Weighted average rates do not include mortgage warehouse and credit card portfolios 3 Projections over the next 12 months assuming a static balance sheet as of September 30, 2026 4 Customer interest bearing deposits includes savings, money market, checking and customer CDs. Does not include brokered deposits

Hedging Program 1 Estimated Future Hedging Income $ in millions; Based on forward rates Hedging Program Update ❑ Added $550 million of 3-year receive fixed swaps during 3Q26 as a hedge to variable rate loans $4.3 • Strategic and financially attractive opportunity to add down rate protection • $100 million of receive fixed swaps matured during 3Q26 $3.6 $3.1 $3.0 $2.9 ❑ Net interest income sensitivity remains slightly asset sensitive • Hedging strategy designed to manage interest rate risk position to slightly asset sensitive ❑ Hedging income of $5.9 million in 3Q26 4Q26 1Q27 2Q27 3Q27 4Q27 $ in Millions Quarterly Average (Notional) Annual Average (Notional) Hedged Item Quarter Initiated Rate Protection 3Q26 4Q26 1Q27 2Q27 3Q27 4Q27 2027 2028 2029 2030 Variable rate loans 3Q25 Down rate $ 1 ,309.0 $ 1,550.0 $ 1,550.0 $ 1,550.0 $ 1 ,550.0 $ 1,550.0 $ 1 ,550.0 $ 1 ,450.1 $ 522.2 $ - Variable rate CMBS 3Q25 Down rate 260.9 200.0 200.0 200.0 123.9 - 130.4 - - - Subordinated debt 3Q25 Down rate 325.0 325.0 325.0 325.0 325.0 325.0 325.0 325.0 325.0 244.0 Fixed rate munis 3Q21 Up rate 1,001.7 1,001.7 1,001.7 1,001.7 1,001.7 1,001.7 1,001.7 937.2 54.2 - Net Asset Swap Position (down rate - up rate) $ 893.1 $ 1,073.3 $ 1,073.3 $ 1 ,073.3 $ 997.2 $ 873.3 $ 1 ,003.7 $ 837.9 $ 793.0 $ 244.0 Quarterly Fixed Rate Annual Fixed Rate Hedged Item Receive Pay 3Q26 4Q26 1Q27 2Q27 3Q27 4Q27 2027 2028 2029 2030 Variable rate loans Fixed SOFR based 3.40% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.54% 3.71% - Variable rate CMBS Fixed SOFR based 3.53% 3.07% 3.07% 3.07% 3.07% - 3.07% - - - Subordinated debt Fixed SOFR based 3.56% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% Fixed rate munis Fed effective Fixed 1.21% 1.21% 1.21% 1.21% 1.21% 1.21% 1.21% 1.21% 1.22% - Totals may not add due to rounding 1 Estimated swap income based on implied forward rates as of September 30, 2026. Does not include potential impact of hedge ineffectiveness that is recorded in interest income. 13

Capital: Focused on maintaining a strong capital position 1 Tangible Common Equity Ratio Regulatory Capital Ratios Commentary 10.06% 10.20% 10.41% 10.14% 9.56% +21 ▪ Clear capital priorities bps 8.91% 1. Organic growth + self funding of attractive 8.74% 8.71% 8.62% 5.0% business investments 8.53% 2. 117-year consecutive dividend history 9.30.25 12.31.25 3.31.26 6.30.26 9.30.26 Leverage Ratio 3. Opportunistic share repurchases 12.05% 11.54% 11.63% 11.58% 11.60% +45 ▪ No shares repurchased in 3Q26 bps ❑ Excess capital utilized for business 6.5% investments designed to further enhance sustainable performance 9.30.25 12.31.25 3.31.26 6.30.26 9.30.26 ❑ Remaining authorization of $161 million 9.30.25 12.31.25 3.31.26 6.30.26 9.30.26 CET1 Ratio under current share repurchase program Tangible Common Equity Ratio as of September 30, 2026 ▪ Linked quarter TCE decline driven by change in AOCI given 14.80% 15.07% 14.45% 14.36% 14.35% higher long-term interest rates +45 bps 10.0% 9.30.25 12.31.25 3.31.26 6.30.26 9.30.26 Total Capital Ratio Regulatory well capitalized requirement 1 Non-GAAP measures that management believes aid in the discussion of results. See Appendix for Non-GAAP reconciliations 14

Loan Portfolio and Credit Quality 15

Loans: Well-diversified, granular portfolio and conservative credit culture Loan Portfolio Waterfall Linked Quarter Change by Loan Type $ in millions $ in millions Total Loans $(597) $2,312 $18,062 RE – Commercial $(113) $17,465 $(2,763) $(146) RE – Construction $(102) 1 Funded loans Paydowns/ Other /advances payoffs Commercial (C&I) $(176) RE – Single Family $(59) Consumer & Other $(8) Agricultural $21 Total loans Total loans Mortgage Warehouse $(160) at 6/30/26 at 9/30/26 Commentary Unfunded Commitments $ in millions ❑ Decrease in loan portfolio reflects: RE - Construction C&I RE - Single Family RE - Commercial Agriculture Consumer/Other • Deleveraging of balance sheet through the run-off of certain lower yielding, low relationship credits $4,384 $4,356 $4,068 $3,955 $3,871 • Highest level of paydowns in more than 2 years reflecting early payoffs and maturity vintages • Decrease in C&I portfolio reflects $153M expected paydown from three fully-banked 94% variable rate relationships • 55% tied to Prime • 45% tied to SOFR • Mortgage warehouse decline reflects higher rate environment ❑ Well-diversified, granular portfolio with no significant industry or geographic concentrations 3Q25 4Q25 1Q26 2Q26 3Q26 ❑ Minimal exposure to Shared National Credits (SNC) at ~1% of total loans 1 “Other” includes linked quarter change associated with loan portfolios impacted by seasonality (agricultural, mortgage warehouse and credit cards) 16

Pipelines: Solid supply of opportunities that meet disciplined credit appetite and pricing Commercial Loan Pipeline by Category $ in millions Opportunity Proposal Ready to Close $1,815 $1,631 $1,611 $1,559 $1,538 Commentary $1,428 $757 $1,256 $490 ❑ Maintaining prudent underwriting standards and pricing $564 $374 $651 discipline $774 $455 ❑ $455 million of ready to close loans in the commercial $196 $249 $292 $436 1 pipeline as of September 30, 2026, with a rate of 6.78% $217 $95 $105 ❑ Mortgage loan originations in 3Q26 ❑ 83% purchase ❑ 17% refinance $809 $775 $685 $659 $691 $858 $706 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Rate Ready to 7.39% 7.35% 7.19% 6.53% 6.40% 6.73% 6.78% 1 Close Mortgage Loan Volume $ in millions Mortgage Closed Loan Volume Mortgage Pipeline Volume $31 $33 $27 $29 $25 $21 $32 $110 $108 $96 $90 $91 $84 $69 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 1 Rate ready to close represents the weighted average rate on commercial loans that are ready to close and does not include fees, including FAS 91 fees, associated with those commercial loans 17

Loans: Conservative LTVs underpin prudent underwriting standards in key sectors Office (non-owner occupied permanent) Key Statistics At 9/30/26 Loan Portfolio – Geographic diversification By State By State NPL Ratio 0.33% 14% 1% Past Due 30+ Days 0.05% 1% 16% Average Loan Size $3.4M 8% 32% 50% 2% Median Loan Size $0.5M $1.1B 2% Number of Loans <$1M 61% 13% 4% 1 Average LTV 45.0% $17.0B 9% 13% Weighted Average LTV 55.0% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Multifamily (permanent) Key Statistics At 9/30/26 14% 21% By State 7% 6% NPL Ratio 0.95% Texas Arkansas Tennessee Missouri 3% Past Due 30+ Days 2.22% 39% Oklahoma Kansas Florida Other 4% Average Loan Size $2.5M $0.7B Median Loan Size $0.5M 17% % of Total % of Total Top 10 MSAs Number of Loans <$1M 70% 1 1 Loans Commitments 24% Average LTV 49.9% Houston-Pasadena-The Woodlands 8.6% 8.5% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Weighted Average LTV 60.2% Dallas-Plano-Irving 8.1% 8.2% Little Rock-North Little Rock-Conway 6.7% 7.3% Retail (non-owner occupied permanent) Key Statistics At 9/30/26 Nashville-Davidson-Murfreesboro 5.5% 5.7% By State NPL Ratio 0.62% 14% Memphis 4.5% 4.3% 1% Past Due 30+ Days 0.01% Fort Worth-Arlington 3.9% 3.9% 5% 47% Average Loan Size $1.9M Fayetteville-Springdale-Rogers 3.5% 3.9% 6% $1.0B Median Loan Size $1.0M Kansas City 2.1% 2.7% Number of Loans <$1M 50% 13% St. Louis 2.5% 2.2% Average LTV 46.6% Austin-Round Rock-San Marcos 2.4% 2.6% 14% Weighted Average LTV 54.3% Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Data shown above as of September 30, 2026 1 Total loans or commitments excluding credit card portfolio and mortgage warehouse 18

CLD: Quick recycling of capital given short duration of portfolio Construction and Land Development (CLD) By State % of Total % of Total Key Statistics At 9/30/26 Top 10 MSAs Loans Commitments NPL Ratio 2.18% Houston-Pasadena-The Woodlands 11.5% 12.1% 20% Past Due 30+ Days 0.07% Dallas-Plano-Irving 9.3% 10.9% 40% Average Loan Size $1.4M Nashville-Davidson-Murfreesboro 9.1% 8.0% Median Loan Size $0.3M 9% Phoenix-Mesa-Glendale 7.1% 5.7% $2.5B Number of Loans <$1M 82% Austin-Round Rock-San Marcos 6.5% 5.2% 2% Average LTV 55.0% Fayetteville-Springdale-Rogers 5.2% 5.4% 4% Weighted Average LTV 52.8% Fort Worth-Arlington 4.9% 4.7% Weighted Average Maturity ~19 months 13% 12% Little Rock-North Little Rock-Conway 4.7% 4.8% Texas Arkansas Tennessee Missouri Jacksonville, FL 3.4% 3.6% Oklahoma Florida Other Kansas City, MO-KS 2.3% 2.9% CLD - Industrial Warehouse (non-owner occupied) CLD - Multifamily By State By State Key Statistics At 9/30/26 Key Statistics At 9/30/26 NPL Ratio 0.00% NPL Ratio 0.00% 25% Texas 15% 53% Past Due 30+ Days 0.00% Texas Past Due 30+ Days 0.00% 36% Arkansas Average Loan Size $16.5M Tennessee Average Loan Size $10.4M 15% Tennessee $0.6B $0.4B Median Loan Size $7.5M Missouri Median Loan Size $4.0M 19% Florida Number of Loans <$1M 26% Florida 6% Number of Loans <$1M 42% Other 10% Average LTV 50.3% Other Average LTV 42.5% 11% 10% Weighted Average LTV 49.5% Weighted Average LTV 45.5% Weighted Average Maturity ~16 months Weighted Average Maturity ~16 months Data shown above as of September 30, 2026 19

Loans: Loan portfolio by type and key credit metrics as of June 30, 2026 as of September 30, 2026 % of % of Past Due 30+ Unfunded Unfunded Balance Total Balance Total Days Classified Nonperforming Commitment ACL Commitment $ in millions $ Loans $ Loans $ $ $ $ % Reserve Total Loan Portfolio Credit Card 174 1% 167 1% 3 1 1 - 1.47% - Consumer – Other 99 1% 87 - - - - 42 3.63% 0.46% Real Estate – Construction 2,578 14% 2,476 14% 2 58 54 1,836 2.28% 1.00% Real Estate – Commercial 8,829 49% 8,716 50% 21 248 57 321 1.13% 0.30% Real Estate – Single-family 2,564 14% 2,505 14% 19 56 47 342 1.63% 0.83% Commercial (C&I) 2,517 14% 2,341 13% 7 51 19 1,667 1.30% 0.17% Mortgage Warehouse 435 2% 275 2% - - - - 0.20% - Agriculture 426 2% 447 3% - 1 1 132 0.78% 0.21% Other 440 3% 451 3% - 1 1 16 0.61% 0.17% Total Loan Portfolio 18,062 100% 17,465 100% 52 416 180 4,356 1.37% 0.59% Loan Concentration (Holding Company Level) C&D 86% 83% CRE 280% 273% Select Loan Categories Retail 1,220 7% 1,200 7% - 12 7 172 0.75% 0.45% Nursing / Extended Care 158 1% 137 1% - 46 1 - 9.87% 0.02% Healthcare 549 3% 516 3% 1 7 3 114 1.00% 0.49% Multifamily 1,528 8% 1,349 8% 2 26 7 550 2.17% 0.39% Hotel 969 5% 1,074 6% 9 25 3 190 0.91% 0.95% Restaurant 575 3% 562 3% 1 15 15 47 1.09% 0.63% NOO Office 1,188 7% 1,211 7% 1 60 12 71 2.12% 0.81% NOO Industrial Warehouse 1,541 9% 1,476 8% - 11 - 492 0.31% 0.19% 1 Non-Depository Financial Institutions (NDFI) 835 5% 695 4% - 1 1 240 0.40% 0.07% 1 NDFI includes mortgage warehouse disclosed in the Total Loan Portfolio table above 20

Credit Quality ACL and ACL to Total Loans Credit Quality Commentary $ in millions 1.75% $275.0 ❑ Year-to-date net charge-offs of 23 bps 1.50% 1.55% 1.37% ❑ Provision expense exceeded net charge-offs by $14.1M on a YTD basis for 2026 1.32% 1.28% 1.28% 1.35% $250.0 $258.0 ❑ ACL to total loans up to 1.37% at end of 3Q26 1.15% $238.5 $238.2 $225.0 ❑ Loans past due 30-89 stable at 30 bps 0.95% $229.9 $224.4 0.75%❑ Top 10 NPLs total $89.7 million with specific reserves of $14.1 million $200.0 ▪ Linked quarter increase in NPLs reflects normal credit migration 0.55% ▪ No specific concentration by sector or geographic market 0.35% $175.0 ❑ Moody’s September 30, 2026, Economic Scenario 0.15% ▪ Baseline (80%); S1 (10%); S3 (10%) – weightings consistent with prior quarter $150.0 -0.05% 3Q25 4Q25 1Q26 2Q26 3Q26 ACL ACL to Total Loans Provision and Net Charge-Offs Reserve for Unfunded Commitments For the nine months ended September 30, 2026 $ in millions $ in millions $50.0 1.00% $44.2 0.80% 0.66% 0.65% 0.63% 0.59% 0.58% $30.1 0.60% $25.0 $25.6 $25.6 $25.6 $25.6 $25.6 0.40% YTD Net Charge-Offs 0.20% 23 bps $0.0 0.00% 3Q25 4Q25 1Q26 2Q26 3Q26 Unfunded Commitment Reserve Reserve to Unfunded Commitments Net Charge-Offs YTD Provision For Credit Losses YTD YTD – year to date 21

Credit Quality Top 10 Nonperforming Loans Industry Outstanding Specific Reserve % Credit Quality Metrics 1 1-4 Family Commercial CLD $36.1M 14% 1.03% 2 CLD – NOO Office $8.3M 22% 0.92% 0.90% 0.79% 3 CRE – Owner Occupied/C&I $7.7M - 0.78% 0.72% 0.66% 0.64% 0.63% 4 Multifamily $6.6M 15% 50% 5 1-4 Family Rental Real Estate $6.1M 19% 0.51% of total 0.51% NPLs 6 1-4 Family Rental Real Estate $5.9M 9% 0.30% 0.29% 0.27% 7 CRE – NOO Other $5.6M 11% 0.11% 3Q25 4Q25 1Q26 2Q26 3Q26 8 CRE – NOO Retail $4.7M 19% NPL to Loans NPA to Assets Past Due 30-89 to Loans 9 C&I/1-4 Family CLD $4.5M 47% 10 CRE – NOO Other $4.2M 16% Classified Loans Criticized Loans $ in millions $ in millions $500.0 $800.0 $775.0 3.89% 2.50% $750.0 $475.0 2.38% $725.0 3.50% 2.50% 2.24% 2.22% $700.0 3.28% $450.0 $675.0 3.13% 2.00% $650.0 2.90% $425.0 $625.0 $668.2 $430.3 $600.0 $400.0 $575.0 $415.6 $612.5 2.50% $550.0 $588.5 $398.1 $375.0 $525.0 $392.3 $500.0 $546.2 $523.2 $475.0 $350.0 $361.1 $450.0 $425.0 $325.0 $400.0 $375.0 $300.0 $350.0 $325.0 $275.0 $300.0 $275.0 $250.0 0.00% $250.0 0.00% 3Q25 4Q25 1Q26 2Q26 3Q26 3Q25 4Q25 1Q26 2Q26 3Q26 Classified Loans % of Total Loans Criticized Loans % of Total Loans 22

Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements. Certain statements by Simmons First National Corporation (the “Company”, which where appropriate includes the Company’s wholly-owned banking subsidiary, Simmons Bank) contained in this presentation may not be based on historical facts and should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may be identified by reference to a future period(s) or by the use of forward- looking terminology, such as anticipate, “believe,” “continue,” estimate, expect, foresee,“ “indicate,” “plan,” “potential,” “project,” “set,” “target,” may, might, will, would, could,“ “should,” “likely” or intend, future or conditional verb tenses, and variations or negatives of such terms or by similar expressions. These forward-looking statements include, without limitation, statements relating to the Company’s future growth (including, among other things, expected pre-provision net revenue growth during 2026); business strategies; product development; revenue; expenses (including interest expense and non-interest expenses); assets; loan demand (including loan growth, loan capacity, and other lending activity); deposit levels; dividends; asset quality; profitability; earnings; critical accounting policies; net interest margin; noninterest income; the Company's common stock repurchase program; adequacy of the allowance for credit losses; income tax deductions; credit quality; level of credit losses from lending commitments; interest rate sensitivity (including, among other things, the potential impact of rising rates); loan loss experience; liquidity; capital resources; future economic conditions and market risk; interest rates; the Company’s securities portfolio; legal and regulatory limitations and compliance and competition; anticipated loan principal reductions; projections regarding loan repricing; the estimated PPNR benefit, the closure of 26 branches on December 4, 2026, and the intended operating-model changes set forth on slide 9; the interest rate sensitivity estimates and projections set forth on slide 12; and the estimates related to the hedging program (including estimated future swap income) set forth on slide 13. Readers are cautioned not to place undue reliance on the forward-looking statements contained in this presentation in that actual results could differ materially from those indicated in or implied by such forward-looking statements due to a variety of factors. These factors include, but are not limited to, changes in the Company's operating or expansion strategy; the availability of and costs associated with obtaining adequate and timely sources of liquidity; changes in credit quality; changes in general market and economic conditions; increased unemployment; labor shortages; possible adverse rulings, judgments, fines, settlements and other outcomes of pending or future litigation; the ability of the Company to collect amounts due under loan agreements; significant increases in nonaccrual loan balances; changes in consumer preferences and loan demand; the effectiveness of the Company's interest rate risk management strategies; laws and regulations affecting financial institutions in general or relating to taxes; the effect of pending or future legislation; changes in governmental administrations; the ability of the Company to repurchase its common stock on favorable terms; the ability of the Company to successfully manage and implement its acquisition strategy and integrate acquired institutions; changes in tariff policies; difficulties and delays in integrating an acquired business or fully realizing cost savings and other benefits of mergers and acquisitions; changes in interest rates, deposit flows, real estate values, and capital markets; increased inflation; customer acceptance of the Company's products and services and changes in customer behaviors; changes or disruptions in technology and IT systems (including cyber or other information technology threats, attacks and events); emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action or increase cybersecurity threats; changes in accounting principles relating to loan loss recognition (current expected credit losses, or CECL); fraud that results in material losses or that we have not discovered yet that may result in material losses; the benefits associated with the Company’s early retirement program; pandemics or significant health hazards, severe weather conditions, natural disasters, terrorist activities, political crises, war, and other military conflicts (including the ongoing military conflicts in Iran and the Middle East and between Russia and Ukraine) or other major events, or the prospect of these events; increased competition in the markets in which the Company operates and from non-bank financial institutions; changes in governmental policies; the effects of a government shutdown; loss of key employees; reliance on third parties for key services; the soundness of other financial institutions and any indirect exposure related to the closings of other financial institutions and their impact on the broader market through other customers, suppliers and partners, or that the conditions which resulted in the liquidity concerns experienced by closed financial institutions may also adversely impact, directly or indirectly, other financial institutions and market participants with which the Company has commercial or deposit relationships; increased delinquency and foreclosure rates on commercial real estate and other loans; and other risk factors. Other relevant risk factors are detailed in the Company’s Form 10-K for the year ended December 31, 2025, Form 10-Qs for the quarters ended March 31, 2026 and June 30, 2026, and other reports that the Company has filed with or furnished to the U.S. Securities and Exchange Commission (the “SEC”), all of which are available from the SEC on its website, www.sec.gov. In addition, there can be no guarantee that the board of directors (“Board”) of the Company will approve a quarterly dividend in future quarters, and the timing, payment, and amount of future dividends (if any) is subject to, among other things, the discretion of the Board and may differ significantly from past dividends. Further, the timing, pricing and amount of any repurchases under the Company’s stock repurchase program will be determined by Simmons’ management at its discretion based on a variety of factors including, but not limited to, market conditions, trading volume and market price of Simmons’ common stock, Simmons’ capital needs, Simmons’ working capital and investment requirements, other corporate considerations, economic conditions, and legal requirements. The stock repurchase program does not obligate Simmons to repurchase any common stock and may be modified, discontinued or suspended at any time without prior notice. Any forward-looking statement speaks only as of the date of this presentation, and the Company undertakes no obligation to update these forward- looking statements to reflect events or circumstances that occur after the date of this presentation. Annualized, quarterized, pro forma, projected and estimated numbers are used for illustrative purpose only, are based on hypothetical assumptions that may not accurately reflect future incomes, are not forecasts and are not guaranteed and may differ significantly from actual results. The Company references certain market, industry, and demographic data and other statistical information in this presentation. The Company has obtained this data and information from various independent, third-party industry sources and publications. Nothing in the data or information used or derived from third-party sources should be construed as advice. We believe that these external sources and estimates are reliable but have not independently verified them. Non-GAAP Financial Measures. This presentation contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (“GAAP”). The Company’s management uses these non-GAAP financial measures in their analysis of the Company’s performance and capital adequacy. These measures adjust GAAP performance measures to, among other things, include the tax benefit associated with revenue items that are tax-exempt, as well as exclude from net income (including on a per share diluted basis), pre-tax, pre-provision earnings, net charge-offs, income available to common shareholders, non-interest income, and non-interest expense certain income and expense items attributable to, for example, branch/real estate rightsizing costs, severance/early retirement program costs, certain professional services accelerated prepaid expenses, loss on sale of securities and loss on early extinguishment of debt. In addition, the Company also presents certain figures based on tangible common stockholders’ equity, tangible assets and tangible book value, which exclude goodwill and other intangible assets, and presents certain other figures to include the effect that accumulated other comprehensive income could have on the Company’s capital levels. The Company further presents certain figures that are exclusive of the impact of deposits and/or loans acquired through acquisitions, mortgage warehouse loans, and/or energy loans, or gains and/or losses on the sale of securities. The Company’s management believes that these non-GAAP financial measures are useful to investors because they, among other things, present the results of the Company’s ongoing operations without the effect of mergers or other items not central to the Company’s ongoing business, present the Company’s capital inclusive of the potential impact of AOCI (primarily comprised of unrealized losses on securities), as well as normalize for tax effects and certain other effects. Management, therefore, believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s ongoing businesses, and management uses these non-GAAP financial measures to assess the performance of the Company’s ongoing businesses as related to prior financial periods. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the appendix to this presentation. 23

Appendix 24

Select Balance Sheet and Other Data 3Q26 vs 2Q26 3Q26 vs 3Q25 $ in millions, except per share data 3Q26 2Q26 3Q25 $ Change % Change $ Change % Change Period End Balances Total loans $17,464.7 $18,062.4 $17,188.8 $(597.7) (3) % $275.9 2 % Investment securities 2, 743.5 3, 077.2 3, 319.3 ( 333.7) (11) ( 575.8) (17) Total assets 24,074.5 24,776.8 24,208.2 (702.3) (3) (133.7) (1) Total deposits 18,616.1 19,728.1 19,837.7 ( 1,112.0) (6) (1,221.6) (6) Borrowed funds 1, 767.1 1, 299.5 690.2 46 7.6 36 1,076.9 156 Total stockholders' equity 3,349.8 3, 481.9 3,354.0 (132.1) (4) (4.2) - Average Balances Total loans $17,735.2 $17,956.6 $16,976.2 $(221.3) (1) % $759.0 4 % Investment securities 2, 950.7 3,103.5 3,994.4 (152.8) (5) (1,043.7) (26) Total assets 24,332.2 24,638.0 24,914.9 (305.8) (1) (582.7) (2) Total deposits 19 ,131.4 19 ,871.1 20,529.1 (739.7) (4) (1,397.8) (7) Borrowed funds 1,415.6 1, 007.6 699.5 408.1 40 716.1 102 Total stockholders' equity 3,478.2 3,478.5 3,368.3 (0.3) - 109.9 3 Select Other Data Equity to assets 13.91 % 14.05 % 13.85 % 1 8.62 8.91 8.53 Tangible common equity to tangible assets Book value per share $23.18 $24.11 $23.18 1 13.52 14.42 13.45 Tangible book value per share Allowance for credit losses to total loans 1.37 % 1.32 % 1.50 % Nonperforming loan coverage ratio 133 143 168 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 25

Income Summary 1 1 3Q26 Adjusted 3Q26 vs Adjusted 1 $ in millions, except per share data 2Q26 3Q25 Reported Adjusted Net interest income $204.0 $204.0 $3.3 2 % $17.3 9 % Noninterest income 47.2 4 7.2 (0.7) ( 2) 1.3 3 Total revenue 251.2 251.2 2.6 1 18.6 8 Noninterest expense 182.0 138.9 (1.4) (1) (0.8) (1) 2 6 9.1 112.3 4.0 4 19.5 21 Pre-provision net revenue Provision for credit losses 12.2 12.2 (5.3) (30) 0.2 2 Provision for income taxes 9.9 2 1.1 2.5 13 5.2 33 Earnings $ 47.1 $ 79.0 $6.8 9 % $14.1 22 % Diluted EPS $ 0.32 $ 0.54 $0.04 8 % $0.08 17 % Totals may not foot due to rounding 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 26 2 All pre-provision net revenue (PPNR) figures set forth in this row are Non-GAAP measures. See footnote 1 for more information

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q $ in thousands, except per share data 2025 2025 2026 2026 2026 1 Calculation of Adjusted Earnings Net Income (Loss) $ (562,792) $ 78,078 $ 68,544 $ 66,691 $ 47,113 Certain items Branch/real estate rightsizing, net 2,004 85 531 6,099 14,186 Loss on sale of equipment finance business - 1,118 - - - Loss (gain) on sale of securities 801,492 - - - - Severance/early retirement program 305 - 283 1,320 5,997 Loss on early extinguishment of debt 570 - - - - Termination of vendor and software services - 12 - - - FDIC Deposit Insurance special assessment - - (1,984) - - Certain professional services - - 1,200 - 17,069 Accelerated prepaid expenses - - - - 5,889 Tax effect (176,649) (318) (8) (1,939) (11,274) Certain items, net of tax 627,722 897 22 5,480 31,867 Adjusted earnings (non-GAAP) $ 64,930 $ 78,975 $ 68,566 $ 72,171 $ 78,980 1 Calculation of Earnings and Adjusted Earnings per Diluted Share Earnings available to common shareholders $ (562,792) $ 78,078 $ 68,544 $ 66,691 $ 47,113 Diluted earnings per share $ (4.00) $ 0.54 $ 0.47 $ 0.46 $ 0.32 Adjusted earnings available to common shareholders (non-GAAP) $ 64,930 $ 78,975 $ 68,566 $ 72,171 $ 78,980 Adjusted diluted earnings per share (non-GAAP) $ 0.46 $ 0.54 $ 0.47 $ 0.50 $ 0.54 Average Diluted Shares Outstanding 140,648,704 145,210,222 145,340,410 145,323,958 145,054,299 1 In this presentation, “Adjusted Earnings” may also be referred to as “Adjusted Net Income” 27

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q 2025 2025 2026 2026 2026 $ in thousands Calculation of Pre-Provision Net Revenue (PPNR) Net interest income $ 186,661 $ 197,296 $ 197,168 $ 200,627 $ 203,976 Plus: Noninterest income (756,187) 51,708 44,197 47,939 47,191 Less: Noninterest expense 142,032 139,862 140,673 147,739 182,035 Pre-Provision Net Revenue (PPNR) (non-GAAP) $ (711,558) $ 109,142 $ 100,692 $ 100,827 $ 69,132 Calculation of Adjusted Pre-Provision Net Revenue Pre-Provision Net Revenue (PPNR) (non-GAAP) $ (711,558) $ 109,142 $ 100,692 $ 100,827 $ 69,132 Plus: Loss on sale of equipment finance business - 1,118 - - - Plus: (Gain) loss on sale of securities 801,492 - - - - Plus: Branch/real estate rightsizing costs, net 2,004 85 531 6,099 14,186 Plus: Severance/early retirement program 305 - 283 1,320 5,997 Plus: Loss on early extinguishment of debt 570 - - - - Plus: Termination of vendor and software services - 12 - - - Plus: Certain professional services - - 1,200 - 17,069 Plus: Accelerated prepaid expenses - - - - 5,889 Less: FDIC Deposit Insurance special assessment - - 1,984 - - Adjusted Pre-Provision Net Revenue (non-GAAP) $ 92,813 $ 110,357 $ 100,722 $ 108,246 $ 112,273 Calculation of Book Value and Tangible Book Value per Share Total common stockholders' equity $ 3,353,963 $ 3,419,240 $ 3,437,734 $ 3,481,859 $ 3,349,804 Intangible assets: Goodwill (1,320,799) (1,320,799) (1,320,799) (1,320,799) (1,320,799) Other intangible assets (87,520) (84,423) (81,325) (78,228) (75,132) Total intangible assets (1,408,319) (1,405,222) (1,402,124) (1,399,027) (1,395,931) Tangible common stockholders' equity (non-GAAP) $ 1,945,644 $ 2,014,018 $ 2,035,610 $ 2,082,832 $ 1,953,873 Shares of common stock outstanding 144,703,075 144,762,817 145,058,331 144,442,482 144,517,233 Book value per common share $ 23.18 $ 23.62 $ 23.70 $ 24.11 $ 23.18 Tangible book value per common share (non-GAAP) $ 13.45 $ 13.91 $ 14.03 $ 14.42 $ 13.52 28

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q 2025 2025 2026 2026 2026 $ in thousands, except number of employees (FTE) Calculation of Total Revenue and Adjusted Total Revenue Net Interest Income (GAAP) $ 186,661 $ 197,296 $ 197,168 $ 200,627 $ 203,976 Noninterest Income (GAAP) (756,187) 51,708 44,197 47,939 47,191 Total Revenue (non-GAAP) $ (569,526) $ 249,004 $ 241,365 $ 248,566 $ 251,167 Total Revenue (non-GAAP) $ (569,526) $ 249,004 $ 241,365 $ 248,566 $ 251,167 Less: Gain (loss) on sales of securities (801,492) - - - - Less: Loss on early extinguishment of debt (570) - - - - Adjusted Total Revenue (non-GAAP) $ 232,536 $ 249,004 $ 241,365 $ 248,566 $ 251,167 Employees (FTE) 2,883 2,917 2,913 2,909 2,712 Total Revenue per Employee (FTE) $ (197.55) $ 85.36 $ 82.86 $ 85.45 $ 92.61 Adjusted Total Revenue per Employee (FTE) $ 80.66 $ 85.36 $ 82.86 $ 85.45 $ 92.61 Calculation of Adjusted Noninterest Income Noninterest Income (GAAP) $ (756,187) $ 51,708 $ 44,197 $ 47,939 $ 47,191 Less: Gain (loss) on sale of securities (801,492) - - - - Less: Loss on early extinguishment of debt (570) - - - - Adjusted Noninterest Income (non-GAAP) $ 45,875 $ 51,708 $ 44,197 $ 47,939 $ 47,191 Calculation of Noninterest Income to Total Revenue Noninterest Income to Total Revenue NM 20.77% 18.31% 19.29% 18.79% Adjusted Noninterest Income to Adjusted Total Revenue (non-GAAP) 19.73% 20.77% 18.31% 19.29% 18.79% Calculation of PPNR and Adjusted PPNR Per Share Average Diluted Shares Outstanding 140,648,704 145,210,222 145,340,410 145,323,958 145,054,299 PPNR per Average Diluted Shares Outstanding $ (5.06) $ 0.75 $ 0.69 $ 0.69 $ 0.48 Adjusted PPNR per Average Diluted Shares Outstanding (non-GAAP) $ 0.66 $ 0.76 $ 0.69 $ 0.74 $ 0.77 FTE – Full time equivalent NM – Not meaningful 29

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q 2025 2025 2026 2026 2026 $ in thousands Calculation of Adjusted Noninterest Expense Noninterest Expense (GAAP) $ 142,032 $ 139,862 $ 140,673 $ 147,739 $ 182,035 Less: Branch/real estate rightsizing expense 2,004 85 531 6,099 14,186 Less: Severance/early retirement program 305 - 283 1,320 5,997 Less: Loss on sale of equipment finance business - 1,118 - - - Less: Termination of vendor and software services - 12 - - - Less: Certain professional services - - 1,200 - 17,069 Less: Accelerated prepaid expenses - - - - 5,889 Plus: FDIC Deposit Insurance special assessment - - 1,984 - - Adjusted Noninterest Expense (non-GAAP) $ 139,723 $ 138,647 $ 140,643 $ 140,320 $ 138,894 Calculation of Efficiency Ratio and Adjusted Efficiency Ratio Noninterest Expense (efficiency ratio numerator) $ 142,032 $ 139,862 $ 140,673 $ 147,739 $ 182,035 Total Revenue $ (569,526) $ 249,004 $ 241,365 $ 248,566 $ 251,167 Fully taxable equivalent adjustment ___ _ _3,811 ___ _ _2,890 ___ _ _3,012 ___ _ _3,029 ___ _ _3,116 Efficiency ratio denominator $ (565,715) $ 251,894 $ 244,377 $ 251,595 $ 254,283 Efficiency ratio (based on GAAP figures) (25.11)% 55.52% 57.56% 58.72% 71.59% Adjusted Noninterest Expense (non-GAAP) $ 139,723 $ 138,647 $ 140,643 $ 140,320 $ 138,894 Less: Other real estate and foreclosure expense 200 432 315 695 230 Less: Amortization of intangible assets ___ __ 3,097 ___ __ 3,097 ___ __ 3,097 ___ __ 3,097 ___ __ 3,098 Adjusted efficiency ratio numerator (non-GAAP) $ 136,426 $ 135,118 $ 137,231 $ 136,528 $ 135,566 Adjusted Total Revenue (non-GAAP) (reconciliation shown on page 29) $ 232,536 $ 249,004 $ 241,365 $ 248,566 $ 251,167 Fully taxable equivalent adjustment ___ _ _3,811 ___ _ _2,890 ___ _ _3,012 ___ _ _3,029 ___ _ _3,116 Adjusted efficiency ratio denominator (non-GAAP) $ 236,347 $ 251,894 $ 244,377 $ 251,595 $ 254,283 Adjusted Efficiency Ratio (non-GAAP) 57.72% 53.64% 56.16% 54.26% 53.31% Fully taxable equivalent adjustment using an effective tax rate of 26.135% 30

Non-GAAP Reconciliations 3Q 2Q 3Q 2025 2026 2026 $ in thousands Calculation of Adjusted Salaries and Employee Benefits Salaries and employee benefits (GAAP) $ 76,249 $ 75,590 $ 78,077 Less: Severance/early retirement program 305 1,320 5,997 Less: Other 1 (4) (56) Total Adjusted Salaries and Employee Benefits (non-GAAP) $ 75,943 $ 74,274 $ 72,136 Calculation of Adjusted Occupancy Expense, Net Occupancy expense, net (GAAP) $ 12,106 $ 14,715 $ 11,708 Less: Branch/real estate rightsizing expense 432 3,670 65 Total Adjusted Occupancy Expense (non-GAAP) $ 11,674 $ 11,045 $ 11,643 Calculation of Adjusted Furniture and Equipment Expense Furniture and Equipment Expense (GAAP) $ 5,275 $ 5,739 $ 5,382 Less: Branch/real estate rightsizing expense 15 34 3 Total Adjusted Furniture and Equipment Expense (non-GAAP) $ 5,260 $ 5,705 $ 5,379 Calculation of Adjusted Other Noninterest Expense Other noninterest expense (GAAP) $ 43,027 $ 46,550 $ 82,119 Less: Branch/real estate rightsizing expense 1,556 2,399 14,174 Less: Certain professional services - - 17,069 Less: Accelerated prepaid expenses - - 5,889 Total Adjusted Other Noninterest Expense (non-GAAP) $ 41,471 $ 44,151 $ 44,987 Calculation of Adjusted Provision for Income Taxes Provision for income taxes (GAAP) $ (160,732) $ 16,702 $ 9,852 Less: Tax effect of certain items (non-GAAP) (reconciliation shown on page 27) (176,649) (1,939) (11,274) Adjusted provision for income taxes (non-GAAP) $ 15,917 $ 18,641 $ 21,126 31

Non-GAAP Reconciliations 3Q 4Q 1Q 2Q 3Q 2025 2025 2026 2026 2026 $ in thousands Calculation of Tangible Common Equity (TCE) Total common stockholders’ equity $ 3,353,963 $ 3,419,240 $ 3,437,734 $ 3,481,859 $ 3,349,804 Less: Intangible assets 1,408,319 1,405,222 1,402,124 1,399,027 1,395,931 Total tangible common stockholders’ equity (non-GAAP) $ 1,945,644 $ 2,014,018 $ 2,035,610 $ 2,082,832 $ 1,953,873 Total assets $ 24,208,162 $ 24,540,877 $ 24,692,783 $ 24,776,816 $ 24,074,481 Less: Intangible assets 1,408,319 1,405,222 1,402,124 1,399,027 1,395,931 Total tangible assets $ 22,799,843 $ 23,135,655 $ 23,290,659 $ 23,377,789 $ 22,678,550 Common equity to total assets 13.85% 13.93% 13.92% 14.05% 13.91% Tangible common equity to tangible common assets (non-GAAP) 8.53% 8.71% 8.74% 8.91% 8.62% 3Q 3Q 2026 2026 $ in thousands $ in thousands Calculation of Adjusted ROAA Calculation of Adjusted ROTCE Net income $ 47,113 Net income $ 47,113 Adjusted earnings (non-GAAP) (reconciliation shown on page 27) $ 78,980 Plus: Amortization of intangible assets, net of taxes 2,289 Total net income net of amortization of intangibles (non-GAAP) $ 49,402 Average assets $ 24,332,226 Adjusted earnings (non-GAAP) (reconciliation shown on page 27) $ 78,980 Return on average assets (ROAA) 0.77% Plus: Amortization of intangible assets, net of taxes 2,289 Adjusted ROAA (non-GAAP) 1.29% Total adjusted earnings net of amortization of intangibles (non-GAAP) $ 81,269 Average common equity $ 3,478,190 Less: Average intangible assets 1,397,804 Total average tangible common equity (non-GAAP) $ 2,080,386 Return on average common equity 5.37% Return on average tangible common equity 9.42% Adjusted return on average tangible common equity (non-GAAP) 15.50% 32

Non-GAAP Reconciliations YTD YTD 2025 2026 $ in thousands Calculation of Adjusted Operating Leverage Net interest income $ 521,907 $ 601,771 Noninterest income (667,678) 139,327 Total Revenue $ (145,771) $ 741,098 Noninterest income $ (667,678) $ 139,327 Plus: Loss on sale of securities 801,492 - Plus: Loss on early extinguishment of debt 570 - Adjusted Noninterest Income (non-GAAP) $ 134,384 $ 139,327 Net interest income $ 521,907 $ 601,771 Plus: Adjusted noninterest income 134,384 139,327 Adjusted Total Revenue (non-GAAP) $ 656,291 $ 741,098 Year-over-year change in Total Revenue (a) NM Year-over-year change in Adjusted Total Revenue (non-GAAP) (b) 12.9% Noninterest expense $ 425,201 $ 470,447 Less: Severance/early retirement program costs 1,899 7,600 Less: Branch/real estate rightsizing costs 3,161 20,816 Less: Certain professional service - 18,269 Less: Accelerated prepaid expenses - 5,889 Plus: FDIC Deposit Insurance special assessment - 1,984 Adjusted Noninterest Expense (non-GAAP) $ 420,141 $ 419,857 Year-over-year change in Noninterest Expense (c) 10.6% Year-over-year change in Adjusted Noninterest Expense (d) (0.1)% Operating leverage (a-c) NM Adjusted operating leverage (b-d) 13.0% NM – not meaningful 33

Nasdaq SFNC rd 3 Quarter 2026 Earnings Presentation October 15, 2026

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