Simmons First (SFNC) grants 7,775 RSUs to EVP David W. Garner

Rhea-AI Filing Summary

Simmons First National Corp. executive David W. Garner, EVP and Chief Accounting Officer, reported a new equity award in the form of Restricted Stock Units (RSUs). On January 27, 2026, he received 7,775 RSUs at a price of $0 per unit, all held directly.

Each RSU represents a contingent right to receive one share of Simmons First National Corporation common stock. The award vests in three tranches: 2,591 RSUs on January 27, 2027, 2,592 RSUs on January 27, 2028, and 2,592 RSUs on January 27, 2029, with SFNC shares to be delivered within 30 days of each vesting date, subject to earlier vesting upon specified events.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Garner David W

Role EVP, Chief Accounting Officer

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	7,775	$0.00	--

Holdings After Transaction: Restricted Stock Units — 7,775 shares (Direct)

Footnotes (1)

1. Each Restricted Stock Unit represents a contingent right to receive one share of Simmons First National Corporation common stock. 2,591 Restricted Stock Units vest on January 27, 2027; 2,592 Restricted Stock Units vest on January 27, 2028; and 2,592 Restricted Stock Units vest on January 27, 2029. SFNC shares will be delivered within 30 days of vesting. Events such as retirement, death, disability and other specified events in the agreement may result in earlier vesting.

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
Estimated average burden
hours per response:			0.5

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)
01/27/2026

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

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)	01/27/2026		A		7,775		(2)	(2)	SFNC Common Stock	7,775	$0	7,775	D

Explanation of Responses:

1. Each Restricted Stock Unit represents a contingent right to receive one share of Simmons First National Corporation common stock.

2. 2,591 Restricted Stock Units vest on January 27, 2027; 2,592 Restricted Stock Units vest on January 27, 2028; and 2,592 Restricted Stock Units vest on January 27, 2029. SFNC shares will be delivered within 30 days of vesting. Events such as retirement, death, disability and other specified events in the agreement may result in earlier vesting.

	/s/ Ambar Quintanilla, attorney-in-fact for David W. Garner	01/29/2026
	** 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.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did SFNC report for David W. Garner on Form 4?

Simmons First National Corp. reported that EVP and Chief Accounting Officer David W. Garner received 7,775 Restricted Stock Units on January 27, 2026. These RSUs are held directly and were granted at a price of $0 per unit as equity compensation.

How many Restricted Stock Units did SFNC grant to David W. Garner?

David W. Garner received 7,775 Restricted Stock Units from Simmons First National Corp. on January 27, 2026. Each unit represents a contingent right to receive one share of SFNC common stock upon vesting and subsequent share delivery.

What is the vesting schedule for David W. Garner’s SFNC RSU award?

The 7,775 RSUs vest in three installments: 2,591 units on January 27, 2027, 2,592 units on January 27, 2028, and 2,592 units on January 27, 2029. SFNC shares are delivered within 30 days after each vesting date.

What does each SFNC Restricted Stock Unit granted to David W. Garner represent?

Each Restricted Stock Unit granted to David W. Garner represents a contingent right to receive one share of Simmons First National Corporation common stock. Actual shares are issued upon vesting and delivery in accordance with the award’s terms and schedule.

Are there conditions that could accelerate vesting of David W. Garner’s SFNC RSUs?

Yes. The RSU award states that events such as retirement, death, disability, and other specified events in the agreement may result in earlier vesting. These conditions apply to the 7,775 RSUs granted on January 27, 2026.

How many SFNC derivative securities does David W. Garner hold after this Form 4 transaction?

Following the reported transaction, David W. Garner beneficially owns 7,775 derivative securities in the form of Restricted Stock Units. All of these RSUs are reported as directly owned according to the Form 4 filing details.