Simmons First (SFNC) accounting chief reports RSU vesting and tax share sale

Rhea-AI Filing Summary

Simmons First National Corp. executive David W. Garner, EVP and Chief Accounting Officer, reported routine equity compensation activity. On January 19, 2026, 1,097 Restricted Stock Units converted into the same number of shares of SFNC common stock on a one-for-one basis, reflecting vesting of these awards. On the same date, 369 SFNC common shares were withheld and disposed of at $19.24 per share in a transaction coded "F," typically used for tax withholding on vested awards. After these transactions, Garner directly owned 73,867 SFNC common shares and had indirect beneficial ownership of 6,000 shares held by a trust identified as "By Trust (Mother)." The derivative position in Restricted Stock Units reported in this filing was reduced to zero following the conversion.

Insider Trade Summary

1,097 shares exercised/converted

Mixed 4 txns

Insider Garner David W

Role EVP, Chief Accounting Officer

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	1,097	$0.00	--
Exercise	SFNC Common Stock	1,097	$0.00	--
Tax Withholding	SFNC Common Stock	369	$19.24	$7K
holding	SFNC Common Stock	--	--	--

Holdings After Transaction: Restricted Stock Units — 0 shares (Direct); SFNC Common Stock — 74,236 shares (Direct); SFNC Common Stock — 6,000 shares (Indirect, By Trust (Mother))

Footnotes (1)

1. Restricted Stock Units convert into shares of SFNC common stock on a one-for-one basis. Includes 794 shares acquired by the Reporting Person pursuant to the Issuer's Employee Stock Purchase Plan. The Restricted Stock Units vested on January 19, 2026.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Garner David W

(Last) (First) (Middle)

C/O SIMMONS FIRST NATIONAL CORP.

501 MAIN STREET

(Street)

PINE BLUFF AR 71601

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
SIMMONS FIRST NATIONAL CORP [ SFNC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
01/19/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
SFNC Common Stock	01/19/2026		M		1,097	A	(1)	74,236(2)	D
SFNC Common Stock	01/19/2026		F		369	D	$19.24	73,867	D
SFNC Common Stock								6,000	I	By Trust (Mother)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	01/19/2026		M			1,097	(3)	(3)	SFNC Common Stock	1,097	$0	0	D

Explanation of Responses:

1. Restricted Stock Units convert into shares of SFNC common stock on a one-for-one basis.

2. Includes 794 shares acquired by the Reporting Person pursuant to the Issuer's Employee Stock Purchase Plan.

3. The Restricted Stock Units vested on January 19, 2026.

	/s/ Ambar Quintanilla, attorney-in-fact for David. W. Garner	01/21/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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FAQ

What insider transaction did SFNC executive David W. Garner report?

David W. Garner, EVP and Chief Accounting Officer of Simmons First National Corp. (SFNC), reported the vesting and conversion of 1,097 Restricted Stock Units into SFNC common stock on January 19, 2026, along with a related share disposition for tax withholding.

How many SFNC shares did David W. Garner acquire or dispose of in this Form 4?

Garner acquired 1,097 SFNC common shares upon the conversion of Restricted Stock Units and had 369 shares disposed of in a transaction coded "F" at $19.24 per share, commonly associated with tax withholding on vesting.

What are David W. Garner’s SFNC holdings after the reported transactions?

Following the reported activity, Garner directly owned 73,867 SFNC common shares and indirectly held 6,000 shares through a trust noted as "By Trust (Mother)."

What happened to David W. Garner’s Restricted Stock Units in this filing?

The 1,097 Restricted Stock Units converted into 1,097 SFNC common shares on a one-for-one basis and were reported with a transaction code "M," leaving 0 Restricted Stock Units beneficially owned after the transaction.

What does the F code transaction at $19.24 per share mean for SFNC?

The transaction coded "F" shows 369 SFNC shares disposed of at $19.24 per share, typically representing shares withheld to satisfy tax obligations related to the vesting of equity awards.

What is David W. Garner’s role at Simmons First National Corp. (SFNC)?

David W. Garner is reported as an officer of Simmons First National Corp., serving as EVP, Chief Accounting Officer, and is not listed as a director or 10% owner in this Form 4.