Simmons First National Corporation Reports Third Quarter 2025 Results

GeorgeMakris, Jr., Simmons' Chairman and CEO, commented on third quarter 2025 results:

The third quarter was transformative for Simmons. With overwhelming investor support we successfully raised $327 million of equity capital to reposition our balance sheet and unlock our future earnings stream. We effectively addressed a negative arbitrage between long-term bond yields and shorter-term funding costs which freed up capital for future growth. While the one-time loss on the sale of the bonds was significant, the financial strength of our company coupled with the positive sentiment from investors allowed us that opportunity.

Although the benefit of the repositioning was only partially realized in the quarter based on the timing of the transactions, our results demonstrated the exceptional improvement in our profitability, and the results from the month of September are very encouraging for our future performance.

I believe we are now well positioned to deliver stronger organic growth throughout our franchise which includes some of the most dynamic markets in the country. Our team is prepared, and I am optimistic about Simmons' future.

Simmons First National Corporation (NASDAQ: SFNC)(Simmons or Company) today reported a net loss of $562.8 million for the third quarter of 2025, compared to net income of $54.8 million in the second quarter of 2025 and $24.7 million in the third quarter of 2024. Diluted earnings per share were $(4.00) for the third quarter of 2025, compared to $0.43 in the second quarter of 2025 and $0.20 for the third quarter of 2024. Adjusted earnings1 for the third quarter of 2025 were $64.9 million, compared to $56.1 million in the second quarter of 2025 and $46.0 million in the third quarter of 2024. Adjusted diluted earnings per share1 for the third quarter of 2025 were $0.46, compared to $0.44 in the second quarter of 2025 and $0.37 in the third quarter of 2024.

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As previously disclosed, on July 22, 2025, the Company announced the pricing of its public offering of the Company's Class A common stock that generated net proceeds of approximately $327 million. Proceeds from the offering were subsequently utilized to support a balance sheet repositioning that included the sale of approximately $2.4 billion (fair value) of low-yielding investment securities at an after-tax loss of approximately $626 million. Proceeds from the sale of the investment securities were primarily used to deleverage the balance sheet through the pay-down of higher rate, non-relationship wholesale and public fund deposits, as well as higher rate other borrowings primarily consisting of FHLB advances. The pay-down of higher rate funding was completed throughout the third quarter of 2025, and thus the benefits (including interest expense savings) are only partially reflected in the results for the quarter.

The table below summarizes the impact of the loss on the sale of securities, as well as other certain items, consisting primarily of branch right sizing costs, early retirement program costs 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 3Q25 2Q25 3Q24Net income (loss) $ (562.8) $ 54.8 $ 24.7Branch right sizing costs, net 2.0 0.2 0.4Early retirement program costs 0.3 1.6 -Loss on early extinguishment of debt 0.6 – -Loss on sale of securities 801.5 – 28.4Total pre-tax impact 804.4 1.8 28.8Tax effect (176.7) (0.5) (7.5)Total impact on earnings 627.7 1.3 21.3Adjusted earnings1,3 $ 64.9 $ 56.1 $ 46.0Diluted EPS $ (4.00) $ 0.43 $ 0.20Branch right sizing costs, net 0.01 – -Early retirement program costs – 0.01 -Loss on early extinguishment of debt – – -Loss on sale of securities 5.70 – 0.23Total pre-tax impact 5.71 0.01 0.23Tax effect (1.25) – (0.06)Total impact on earnings 4.46 0.01 0.17Adjusted Diluted EPS1 $ 0.46 $ 0.44 $ 0.37

The Financial Highlights table below summarizes key financial metrics for the third quarter of 2025, the second quarter of 2025 and the third quarter of 2024.

Financial Highlights 3Q25 2Q25 3Q24 3Q25 HighlightsBalance Sheet (in millions) Comparisons reflect 3Q25 vs 2Q25 unless otherwise notedTotal loans $17,189 $17,111 $17,336Total investment securities 3,319 5,997 6,350 (EQNX::save_”– “) Net loss of $562.8 million and diluted EPS of $(4.00) (EQNX::save_”– “) Adjusted net income1 of $64.9 million and adjusted diluted EPS1 of $0.46 (EQNX::save_”– “) Total revenue of $(569.5) million and PPNR1 of $(711.6) million (EQNX::save_”– “) Adjusted total revenue1 of $232.5 million and adjusted PPNR1 of $92.8 million (EQNX::save_”– “) Net interest income up $14.8 million, or 9 percent (EQNX::save_”– “) Net interest margin up 44 basis points to 3.50%; the 6th consecutive quarterly increase in net interest margin (EQNX::save_”– “) Pricing discipline led to 5 basis point increase in loan yields (EQNX::save_”– “) Cost of deposits down 11 bps; reduction in higher rate funding only partially reflected in 3Q25 results (EQNX::save_”– “) NCO ratio of 25 bps in 3Q24; provision for credit losses on loans exceeded net charge-offs by $4.5 million (EQNX::save_”– “) ACL ratio up 2 bps to 1.50%Total deposits 19,838 21,825 21,935Total assets 24,208 26,694 27,269Total shareholders' equity 3,354 3,549 3,529Performance Measures (in millions)Total revenue $(569.5) $214.2 $174.8Adjusted total revenue1 232.5 214.2 203.2Pre-provision net revenue1 (PPNR) (711.6) 75.6 37.6Adjusted pre-provision net revenue1 92.8 77.3 66.4Provision for credit losses 12.0 11.9 12.1Per share DataDiluted earnings $ (4.00) $ 0.43 $ 0.20Adjusted diluted earnings1 0.46 0.44 0.37Cash dividend declared 0.2125 0.2125 0.21Asset QualityNet charge-off ratio (NCO ratio) 0.25% 0.25% 0.22%Nonperforming loan ratio 0.90 0.92 0.59Nonperforming assets to total assets 0.66 0.62 0.38Allowance for credit losses to loans (ACL) 1.50 1.48 1.35Nonperforming loan coverage ratio 168 161 229Capital RatiosEquity to assets (EA ratio) 13.85% 13.30% 12.94%Tangible common equity (TCE) ratio1 8.53 8.46 8.15Common equity tier 1 (CET1) ratio 11.54 12.36 12.06Total risk-based capital ratio 15.07 14.42 14.25Other DataNet interest margin (FTE) 3.50% 3.06% 2.74%Loan yield (FTE) 6.31 6.26 6.44Cost of deposits 2.25 2.36 2.79Full-time equivalent employees 2,883 2,947 2,972Number of financial centers 223 223 234

Net Interest Income Net interest income for the third quarter of 2025 totaled $186.7 million, up $14.8 million, or 9 percent, compared to $171.8 million in the second quarter of 2025 and up $28.9 million, or 18 percent, from $157.7 million in the third quarter of 2024. Interest income totaled $313.4 million for the third quarter of 2025, compared to $315.0 million in the second quarter of 2025 and $334.3 million in the third quarter of 2024. The decrease in interest income on a linked quarter basis was primarily due to a decline in the level of interest income derived from investment securities resulting from the balance sheet repositioning undertaken in the third quarter of 2025 that included the sale of lower-yielding investment securities, that was offset by increases in interest income from loans and other earning assets. Interest expense totaled $126.8 million for the third quarter of 2025, compared to $143.2 million in the second quarter of 2025 and $176.6 million in the third quarter of 2024. The decrease in interest expense on a linked quarter basis was primarily due to a reduction of higher rate, non-relationship wholesale and public fund deposits as part of the balance sheet repositioning.

Select Yield/Rates 3Q25 2Q25 1Q25 4Q24 3Q24Loan yield (FTE)2 6.31% 6.26% 6.20% 6.32% 6.44%Investment securities yield (FTE)2 4.01 3.48 3.48 3.54 3.63Cost of interest bearing deposits 2.86 2.97 3.05 3.28 3.52Cost of deposits 2.25 2.36 2.44 2.60 2.79Net interest spread (FTE)2 2.86 2.41 2.30 2.15 1.95Net interest margin (FTE)2 3.50 3.06 2.95 2.87 2.74

Noninterest Income Noninterest income for the third quarter of 2025 was $(756.2) million, compared to $42.4 million in the second quarter of 2025 and $17.1 million in the third quarter of 2024. Included in third quarter 2025 results was a $801.5 million pre-tax loss on the sale of low-yielding securities that were sold in connection with the previously mentioned balance sheet repositioning and $0.6 million loss on the early extinguishment of debt. The third quarter of 2024 included a $28.4 million pre-tax loss on the sale of low-yielding securities. Excluding these items (which are described in the “Reconciliation of Non-GAAP Financial Measures” tables below), adjusted noninterest income1 was $45.9 million for the third quarter of 2025, $42.4 million in the second quarter of 2025 and $45.5 million in the third quarter of 2024. The increase in adjusted noninterest income on a linked quarter basis was broad based, led by an increase in mortgage lending income and a Small Business Investment Company (SBIC) negative valuation adjustment in the second quarter of 2025, which is included in other income in the table below.

Noninterest Income 3Q25 2Q25 1Q25 4Q24 3Q24$ in millionsService charges on deposit accounts $ 13.0 $ 12.6 $ 12.6 $ 13.0 $ 12.7Wealth management fees 10.0 9.5 9.6 9.7 9.1Debit and credit card fees 8.5 8.6 8.4 8.3 8.1Mortgage lending income 2.3 1.7 2.0 1.8 2.0Other service charges and fees 1.5 1.3 1.3 1.4 1.5Bank owned life insurance 3.9 3.9 4.1 3.8 3.8Gain (loss) on sale of securities (801.5) – – – (28.4)Other income 6.1 4.8 8.0 5.6 8.3Total noninterest income $(756.2) $ 42.4 $ 46.2 $ 43.6 $ 17.1Adjusted noninterest income1 $ 45.9 $ 42.4 $ 46.2 $ 43.6 $ 45.5

Noninterest Expense Noninterest expense for the third quarter of 2025 was $142.0 million, compared to $138.6 million in the second quarter of 2025 and $137.2 million in the third quarter of 2024. Included in noninterest expense are certain items consisting of branch right sizing costs, early retirement program costs and termination of vendor and software services. Collectively, these items totaled $2.3 million in the third quarter of 2025, $1.8 million in the second quarter of 2025 and $0.4 million in the third quarter of 2024. Excluding these items (which are described in the “Reconciliation of Non-GAAP Financial Measures” tables below), adjusted noninterest expense1 was $139.7 million for the third quarter of 2025, and $136.8 million in both the second quarter of 2025 and third quarter of 2024. The increase in adjusted noninterest expense on a linked quarter basis primarily reflected salary and employee benefits accrual adjustments given the Company's financial performance through the third quarter of 2025 and a $1.6 million fraud recovery in the third quarter of 2025.

Noninterest Expense 3Q25 2Q25 1Q25 4Q24 3Q24$ in millionsSalaries and employee benefits $ 76.2 $ 73.9 $ 74.8 $ 71.6 $ 69.2Occupancy expense, net 12.1 11.8 12.7 11.9 12.2Furniture and equipment 5.3 5.5 5.5 5.7 5.6Deposit insurance 5.2 4.9 5.4 5.6 5.6Other real estate and foreclosure expense 0.2 0.2 0.2 0.3 0.1Other operating expenses 43.0 42.3 46.1 46.1 44.5Total noninterest expense $142.0 $138.6 $144.6 $141.1 $137.2Adjusted salaries and employee benefits1 $ 75.9 $ 72.3 $ 74.8 $ 71.4 $ 69.2Adjusted other operating expenses1 41.5 42.5 45.9 44.7 44.4Adjusted noninterest expense1 139.7 136.8 143.6 139.3 136.8Efficiency ratio (25.11)% 62.82% 66.94% 65.66% 75.70%Adjusted efficiency ratio1 57.72 60.52 64.75 62.89 63.38Full-time equivalent employees 2,883 2,947 2,949 2,946 2,972Number of financial centers 223 223 222 222 234

Loans and Unfunded Loan Commitments Total loans at the end of the third quarter of 2025 were $17.2 billion, up 2 percent on a linked quarter annualized basis. The increase in total loans was driven by increases in mortgage warehouse, real estate – construction and agricultural, offset in part by declines in real estate – commercial and commercial portfolios. Unfunded loan commitments at the end of the third quarter of 2025 were $4.0 billion, compared to $3.9 billion at the end of the second quarter of 2025. This marked the fourth consecutive quarterly increase in unfunded loan commitments. The commercial loan pipeline totaled $1.6 billion at the end of the third quarter of 2025, and ready to close commercial loans totaled $490 million with a weighted average rate of 7.19 percent.

Loans and Unfunded Loan Commitments 3Q25 2Q25 1Q25 4Q24 3Q24$ in millionsTotal loans $17,189 $17,111 $17,094 $17,006 $17,336Unfunded loan commitments 3,955 3,947 3,888 3,739 3,681

Deposits and Other Borrowings Total deposits at the end of the third quarter of 2025 were $19.8 billion, compared to $21.8 billion at the end of the second quarter of 2025 and $21.9 billion at the end of the third quarter of 2024. The decrease in total deposits reflects a reduction of higher rate, non-relationship wholesale and public fund deposits as part of the balance sheet repositioning previously mentioned. At the same time, the overall mix of deposits improved with noninterest bearing deposits representing 22.1 percent of total deposits at the end of the third quarter of 2025, compared to 20.5 percent at the end of the second quarter of 2025. Interest bearing transaction accounts (excluding interest bearing public funds) represent 42.8 percent of total deposits at the end of the third quarter of 2025, compared to 39.0 percent at the end of the second quarter of 2025.

Other borrowings at the end of the third quarter of 2025 were $18.8 million, compared to $634.3 million at the end of the second quarter of 2025 and $1.0 billion at the end of the third quarter of 2024. The decrease in other borrowings on a linked quarter basis and year-over-year basis reflected the pay down of higher cost wholesale funding, primarily FHLB advances, as part of the balance sheet repositioning.

Deposits 3Q25 2Q25 1Q25 4Q24 3Q24$ in millionsNoninterest bearing deposits $ 4,377 $ 4,468 $ 4,455 $ 4,461 $ 4,522Interest bearing transaction accounts 10,289 10,532 10,621 10,331 10,038Time deposits 3,331 3,588 3,695 3,796 4,014Brokered deposits 1,841 3,237 2,914 3,298 3,361Total deposits $19,838 $21,825 $21,684 $21,886 $21,935Noninterest bearing deposits to total deposits 22% 20% 21% 20% 21%Total loans to total deposits 87 78 79 78 79

Asset Quality Total nonperforming loans at the end of the third quarter of 2025 totaled $153.9 million, compared to $157.2 million at the end of the second quarter of 2025 and $101.7 million at the end of the third quarter of 2024. The decrease in nonperforming loans on a linked quarter basis primarily reflected declines in commercial and real estate – single family loan portfolios, offset in part by an increase in the real estate – commercial portfolio. The increase in nonperforming loans on a year-over-year basis was primarily due to two specific credit relationships that were placed on nonaccrual at the end of first quarter of 2025. The nonperforming loan coverage ratio ended the third quarter of 2025 at 168 percent, compared to 161 percent at the end of the second quarter of 2025 and 229 percent at the end of the third quarter of 2024. Total nonperforming assets as a percentage of total assets were 66 basis points at the end of the third quarter of 2025, compared to 62 basis points at the end of the second quarter of 2025 and 38 basis points at the end of the third quarter of 2024.

Provision for credit losses on loans totaled $15.2 million for the third quarter of 2025, compared to $11.9 million in the second quarter of 2025 and $12.1 million in the third quarter of 2024. The allowance for credit losses on loans at the end of the third quarter of 2025 was $258.0 million, compared to $253.5 million at the end of the second quarter of 2025 and $233.2 million at the end of the third quarter of 2024. The allowance for credit losses on loans as a percentage of total loans was 1.50 percent at the end of the third quarter of 2025, compared to 1.48 percent at the end of the second quarter of 2025 and 1.35 percent at the end of the third quarter of 2024.

Net charge-offs as a percentage of average loans for the third quarter of 2025 were 25 basis points, unchanged from second quarter 2025 levels and up slightly from 22 basis points in the third quarter of 2024. Provision for credit losses on loans exceeded net charge-offs by $4.5 million in the third quarter of 2025, $1.4 million in the second quarter of 2025 and $2.8 million in the third quarter of 2024.

Asset Quality 3Q25 2Q25 1Q25 4Q24 3Q24$ in millionsAllowance for credit losses on loans to total loans 1.50% 1.48% 1.48% 1.38% 1.35%Allowance for credit losses on loans to nonperforming loans 168 161 165 212 229Nonperforming loans to total loans 0.90 0.92 0.89 0.65 0.59Net charge-off ratio (annualized) 0.25 0.25 0.23 0.27 0.22Net charge-off ratio YTD (annualized) 0.24 0.24 0.23 0.22 0.20Total nonperforming loans $153.9 $157.2 $152.3 $110.7 $101.7Total other nonperforming assets 6.8 9.5 10.0 10.5 2.6Total nonperforming assets $160.7 $166.7 $162.3 $121.2 $104.3Reserve for unfunded commitments $25.6 $25.6 $25.6 $25.6 $25.6

Capital and Subordinated Debt Total stockholders' equity at the end of the third quarter was $3.4 billion, compared to $3.5 billion at the end of both the second quarter of 2025 and the third quarter of 2024. The decrease on a linked quarter basis and year-over-year basis was primarily due to a decline in undivided profits, reflecting the loss on sale of securities, offset in part by net proceeds of approximately $327 million from a common equity offering completed prior to commencement of the balance sheet repositioning. Book value per share at the end of the third quarter of 2025 was $23.18, compared to $28.17 at the end of the second quarter of 2025 and $28.11 at the end of the third quarter of 2024. Tangible book value per share1 at the end of the third quarter of 2025 was $13.45, compared to $16.97 at the end of the second quarter of 2025 and $16.78 at the end of the third quarter of 2024. The decrease in book value per share and tangible book value per share was due to the loss on the sale of investment securities.

Total stockholders' equity as a percentage of total assets at the end of the third quarter of 2025 was 13.9 percent, compared to 13.3 percent at the end of the second quarter of 2025 and 12.9 percent at the end of the third quarter of 2024. Tangible common equity as a percentage of tangible assets1 was 8.5 percent at the end of both the third quarter of 2025 and second quarter of 2025, and 8.2 percent at the end of the third quarter of 2024. Each of the applicable regulatory capital ratios for Simmons and its principal subsidiary, Simmons Bank, continue to significantly exceed “well-capitalized” regulatory guidelines.

During the third quarter of 2025, the Company completed the offering and sale of $325 million in aggregate principal amount of its 6.25% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “Notes”). The Notes were priced at par. The Company used the net proceeds from the offering, along with cash on hand, to repay in full the Company's outstanding $330 million principal amount of its Fixed-to-Floating Rate Subordinated Notes due 2028, which was completed on October 1, 2025. Additionally, on July 31, 2025, the Company completed the redemption of the Company's outstanding $37 million principal amount of its Fixed-to-Floating Rate Subordinated Notes due 2030.

Select Capital Ratios 3Q25 2Q25 1Q25 4Q24 3Q24Stockholders' equity to total assets 13.9% 13.3% 13.2% 13.1% 12.9%Tangible common equity to tangible assets1 8.5 8.5 8.3 8.3 8.2Common equity tier 1 (CET1) ratio 11.5 12.4 12.2 12.4 12.1Tier 1 leverage ratio 9.6 10.0 9.8 9.7 9.6Tier 1 risk-based capital ratio 11.5 12.4 12.2 12.4 12.1Total risk-based capital ratio 15.1 14.4 14.6 14.6 14.3

Share Repurchase Program During the third quarter of 2025, Simmons did not repurchase shares under its stock repurchase program that was authorized in January 2024 (2024 Program), which replaced its former repurchase program that was authorized in January 2022. Remaining authorization under the 2024 Program as of September 30, 2025, was approximately $175 million. The timing, pricing and amount of any repurchases under the 2024 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 2024 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 17, 2025. Interested persons can listen to this call by dialingtoll-free 1-844-481-2779 (North America only) and asking for the Simmons First National Corporation conference call, conference ID 10203266. In addition, the call will be available live or in recorded version on Simmons' website at simmonsbank.comfor 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 116 consecutive years. Its principal subsidiary, Simmons Bank, operates more than 220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank offers comprehensive financial solutions delivered with a client-centric approach. Recently, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas. In 2024, Simmons Bank was recognized by Newsweek as one of America's Best Regional Banks 2025, by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South and by Forbes as one of America's Best-In-State Banks 2024 in Tennessee and America's Best-In-State Employers 2024 in Missouri. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X (formerly Twitter) 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, losses on sale of securities, net branch right-sizing initiatives, early retirement program, termination of vendor and software services and losses 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, or the aforementioned two specific credit relationships. The Company's management believes that these non-GAAP financial measures are useful to investors because they, among other things, present the results of the Company's ongoing operations without the effect of mergers or other items not central to the Company's ongoing business, 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. Makris'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 between Russia and Ukraine) or other major events, or the prospect of these events; the soundness of other financial institutions and any indirect exposure related to the closings of other financial institutions and their impact on the broader market through other customers, suppliers and partners, or that the conditions which resulted in the liquidity concerns experienced by closed financial institutions may also adversely impact, directly or indirectly, other financial institutions and market participants with which the Company has commercial or deposit relationships; increased inflation; the loss of key employees; increased competition in the markets in which the Company operates and from non-bank financial institutions; increased unemployment; labor shortages; claims, damages, and fines related to litigation or government actions; changes in accounting principles relating to loan loss recognition (current expected credit losses); fraud that results in material losses or that we have not discovered yet that may result in material losses; the Company's ability to manage and successfully integrate its mergers and acquisitions and to fully realize cost savings and other benefits associated with acquisitions; increased delinquency and foreclosure rates on commercial real estate loans; significant increases in nonaccrual loan balances; cyber or other information technology threats, attacks or events; 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, 2024, the Company's Form 10-Q for the quarter ended June 30, 2025, and other reports that the Company has filed with or furnished to the U.S. Securities and Exchange Commission (the SEC), all of which are available from the SEC on its website, www.sec.gov.

Simmons First National Corporation SFNCConsolidated End of Period Balance SheetsFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands)ASSETSCash and noninterest bearing balances due from banks $ 377,604 $ 398,081 $ 423,171 $ 429,705 $ 398,321Interest bearing balances due from banks and federal funds sold 266,013 246,381 211,115 257,672 205,081Cash and cash equivalents 643,617 644,462 634,286 687,377 603,402Interest bearing balances due from banks – time 100 100 100 100 100Investment securities – held-to-maturity – 3,591,531 3,615,556 3,636,636 3,658,700Investment securities – available-for-sale 3,319,277 2,405,320 2,491,849 2,529,426 2,691,094Mortgage loans held for sale 15,507 16,972 8,351 11,417 8,270Assets held in trading accounts 12,695 – – – -Loans:Loans 17,188,817 17,111,096 17,094,078 17,005,937 17,336,040Allowance for credit losses on loans (258,006) (253,537) (252,168) (235,019) (233,223)Net loans 16,930,811 16,857,559 16,841,910 16,770,918 17,102,817Premises and equipment 568,343 573,160 573,616 585,431 584,366Foreclosed assets and other real estate owned 6,386 8,794 8,976 9,270 1,299Interest receivable 104,383 120,443 117,398 123,243 125,700Bank owned life insurance 539,372 535,481 535,324 531,805 508,781Goodwill 1,320,799 1,320,799 1,320,799 1,320,799 1,320,799Other intangible assets 87,520 90,617 93,714 97,242 101,093Other assets 659,352 528,382 551,112 572,385 562,983Total assets $ 24,208,162 $ 26,693,620 $ 26,792,991 $ 26,876,049 $ 27,269,404LIABILITIES AND STOCKHOLDERS' EQUITYDeposits:Noninterest bearing transaction accounts $ 4,377,232 $ 4,468,237 $ 4,455,255 $ 4,460,517 $ 4,521,715Interest bearing transaction accounts and savings deposits 10,932,914 11,176,791 11,265,554 10,982,022 10,863,945Time deposits 4,527,587 6,179,962 5,963,811 6,443,211 6,549,774Total deposits 19,837,733 21,824,990 21,684,620 21,885,750 21,935,434Federal funds purchased and securities soldunder agreements to repurchase 22,348 31,306 50,133 37,109 51,071Other borrowings 18,832 634,349 884,863 745,372 1,045,878Subordinated notes and debentures 651,250 366,369 366,331 366,293 366,255Accrued interest and other liabilities 324,036 287,396 275,559 312,653 341,933Total liabilities 20,854,199 23,144,410 23,261,506 23,347,177 23,740,571Stockholders' equity:Common stock 1,447 1,260 1,259 1,257 1,256Surplus 2,848,977 2,518,286 2,515,372 2,511,590 2,508,438Undivided profits 817,022 1,410,564 1,382,564 1,376,935 1,355,000Accumulated other comprehensive (loss) income (313,483) (380,900) (367,710) (360,910) (335,861)Total stockholders' equity 3,353,963 3,549,210 3,531,485 3,528,872 3,528,833Total liabilities and stockholders' equity $ 24,208,162 $ 26,693,620 $ 26,792,991 $ 26,876,049 $ 27,269,404Simmons First National Corporation SFNCConsolidated Statements of Income – Quarter-to-DateFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands, except per share data)INTEREST INCOMELoans (including fees) $ 269,210 $ 265,373 $ 257,755 $ 272,727 $ 277,939Interest bearing balances due from banks and federal funds sold 6,421 2,531 2,703 2,913 2,921Investment securities 37,464 46,898 47,257 50,162 53,220Mortgage loans held for sale 229 221 122 180 209Assets held in trading accounts 99 – – – -TOTAL INTEREST INCOME 313,423 315,023 307,837 325,982 334,289INTEREST EXPENSETime deposits 49,064 57,231 62,559 70,661 73,937Other deposits 67,546 69,108 67,895 72,369 78,307Federal funds purchased and securitiessold under agreements to repurchase 72 59 113 119 138Other borrowings 2,957 10,613 7,714 11,386 17,067Subordinated notes and debentures 7,123 6,188 6,134 6,505 7,128TOTAL INTEREST EXPENSE 126,762 143,199 144,415 161,040 176,577NET INTEREST INCOME 186,661 171,824 163,422 164,942 157,712PROVISION FOR CREDIT LOSSESProvision for credit losses on loans 15,180 11,945 26,797 13,332 12,148TOTAL PROVISION FOR CREDIT LOSSES 11,966 11,945 26,797 13,332 12,148NET INTEREST INCOME AFTER PROVISIONFOR CREDIT LOSSES 174,695 159,879 136,625 151,610 145,564NONINTEREST INCOMEService charges on deposit accounts 13,045 12,588 12,635 12,978 12,713Debit and credit card fees 8,478 8,567 8,446 8,323 8,144Wealth management fees 9,965 9,464 9,629 9,658 9,098Mortgage lending income 2,259 1,687 2,013 1,828 1,956Bank owned life insurance income 3,943 3,890 4,092 3,780 3,757Other service charges and fees (includes insurance income) 1,474 1,321 1,333 1,426 1,509Gain (loss) on sale of securities (801,492) – – – (28,393)Other income 6,141 4,837 8,007 5,565 8,346TOTAL NONINTEREST INCOME (756,187) 42,354 46,155 43,558 17,130NONINTEREST EXPENSESalaries and employee benefits 76,249 73,862 74,824 71,588 69,167Occupancy expense, net 12,106 11,844 12,651 11,876 12,216Furniture and equipment expense 5,275 5,474 5,465 5,671 5,612Other real estate and foreclosure expense 200 216 198 317 87Deposit insurance 5,175 4,917 5,391 5,550 5,571Other operating expenses 43,027 42,276 46,051 46,115 44,540TOTAL NONINTEREST EXPENSE 142,032 138,589 144,580 141,117 137,193NET INCOME (LOSS) BEFORE INCOME TAXES (723,524) 63,644 38,200 54,051 25,501Provision for income taxes (160,732) 8,871 5,812 5,732 761NET INCOME (LOSS) $ (562,792) $ 54,773 $ 32,388 $ 48,319 $ 24,740BASIC EARNINGS PER SHARE $ (4.01) $ 0.43 $ 0.26 $ 0.38 $ 0.20DILUTED EARNINGS PER SHARE $ (4.00) $ 0.43 $ 0.26 $ 0.38 $ 0.20Simmons First National Corporation SFNCConsolidated Risk-Based CapitalFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands)Tier 1 capitalStockholders' equity $ 3,353,963 $ 3,549,210 $ 3,531,485 $ 3,528,872 $ 3,528,833CECL transition provision (1) – – – 30,873 30,873Disallowed intangible assets, net of deferred tax (1,376,255) (1,379,104) (1,381,953) (1,385,128) (1,388,549)Unrealized loss (gain) on AFS securities 313,483 380,900 367,710 360,910 335,861Total Tier 1 capital 2,291,191 2,551,006 2,517,242 2,535,527 2,507,018Tier 2 capitalSubordinated notes and debentures 651,250 366,369 366,331 366,293 366,255Subordinated debt phase out (198,000) (198,000) (132,000) (132,000) (132,000)Qualifying allowance for loan losses andreserve for unfunded commitments 248,710 258,079 257,769 222,313 220,517Total Tier 2 capital 701,960 426,448 492,100 456,606 454,772Total risk-based capital $ 2,993,151 $ 2,977,454 $ 3,009,342 $ 2,992,133 $ 2,961,790Risk weighted assets $ 19,861,879 $ 20,646,324 $ 20,621,540 $ 20,473,960 $ 20,790,941Adjusted average assets for leverage ratio $ 23,963,356 $ 25,606,135 $ 25,619,424 $ 26,037,459 $ 26,198,178Ratios at end of quarterEquity to assets 13.85% 13.30% 13.18% 13.13% 12.94%Tangible common equity to tangible assets (2) 8.53% 8.46% 8.34% 8.29% 8.15%Common equity Tier 1 ratio (CET1) 11.54% 12.36% 12.21% 12.38% 12.06%Tier 1 leverage ratio 9.56% 9.96% 9.83% 9.74% 9.57%Tier 1 risk-based capital ratio 11.54% 12.36% 12.21% 12.38% 12.06%Total risk-based capital ratio 15.07% 14.42% 14.59% 14.61% 14.25%(1) The Company has elected to use the CECL transition provision allowed for in the year of adopting ASC 326.(2) Calculations of tangible common equity to tangible assets and the reconciliations to GAAP are included in the schedulesaccompanying this release.Simmons First National Corporation SFNCConsolidated Investment SecuritiesFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands)Investment Securities – End of PeriodHeld-to-MaturityU.S. Government agencies $ – $ 457,228 $ 456,545 $ 455,869 $ 455,179Mortgage-backed securities – 1,024,313 1,048,170 1,070,032 1,093,070State and political subdivisions – 1,855,614 1,856,905 1,857,177 1,857,283Other securities – 254,376 253,936 253,558 253,168Total held-to-maturity (net of credit losses) – 3,591,531 3,615,556 3,636,636 3,658,700Available-for-SaleU.S. Treasury $ – $ 400 $ 699 $ 996 $ 1,290U.S. Government agencies 48,355 49,498 52,318 54,547 58,397Mortgage-backed securities 2,249,593 1,349,991 1,380,913 1,392,759 1,510,402State and political subdivisions 845,371 807,842 832,898 858,182 898,178Other securities 175,958 197,589 225,021 222,942 222,827Total available-for-sale (net of credit losses) 3,319,277 2,405,320 2,491,849 2,529,426 2,691,094Total investment securities (net of credit losses) $ 3,319,277 $ 5,996,851 $ 6,107,405 $ 6,166,062 $ 6,349,794Fair value – HTM investment securities $ – $ 2,891,974 $ 2,929,625 $ 2,949,951 $ 3,109,610Simmons First National Corporation SFNCConsolidated LoansFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands)Loan Portfolio – End of PeriodConsumer:Credit cards $ 173,020 $ 176,166 $ 179,680 $ 181,675 $ 177,696Other consumer 112,335 123,831 97,198 127,319 113,896Total consumer 285,355 299,997 276,878 308,994 291,592Real Estate:Construction 2,874,823 2,784,578 2,778,245 2,789,249 2,796,378Single-family residential 2,617,849 2,625,717 2,647,451 2,689,946 2,724,648Other commercial real estate 7,875,649 7,961,412 8,051,304 7,912,336 7,992,437Total real estate 13,368,321 13,371,707 13,477,000 13,391,531 13,513,463Commercial:Commercial 2,397,388 2,440,507 2,372,681 2,434,175 2,467,384Agricultural 353,181 333,078 264,469 261,154 314,340Total commercial 2,750,569 2,773,585 2,637,150 2,695,329 2,781,724Other 784,572 665,807 703,050 610,083 749,261Total loans $ 17,188,817 $ 17,111,096 $ 17,094,078 $ 17,005,937 $ 17,336,040Simmons First National Corporation SFNCConsolidated Allowance and Asset QualityFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands)Allowance for Credit Losses on LoansBeginning balance $ 253,537 $ 252,168 $ 235,019 $ 233,223 $ 230,389Loans charged off:Credit cards 1,862 1,702 1,460 1,629 1,744Other consumer 600 351 1,133 505 524Real estate 1,350 1,450 4,425 3,810 159Commercial 8,079 8,257 4,243 6,796 8,235Total loans charged off 11,891 11,760 11,261 12,740 10,662Recoveries of loans previously charged off:Credit cards 257 334 211 391 231Other consumer 303 294 306 279 275Real estate 115 87 99 275 403Commercial 505 469 997 259 439Total recoveries 1,180 1,184 1,613 1,204 1,348Net loans charged off 10,711 10,576 9,648 11,536 9,314Provision for credit losses on loans 15,180 11,945 26,797 13,332 12,148Balance, end of quarter $ 258,006 $ 253,537 $ 252,168 $ 235,019 $ 233,223Nonperforming assetsNonperforming loans:Nonaccrual loans $ 153,516 $ 156,453 $ 151,897 $ 110,154 $ 100,865Loans past due 90 days or more 423 709 494 603 830Total nonperforming loans 153,939 157,162 152,391 110,757 101,695Other nonperforming assets:Foreclosed assets and other real estate owned 6,386 8,794 8,976 9,270 1,299Other nonperforming assets 392 759 978 1,202 1,311Total other nonperforming assets 6,778 9,553 9,954 10,472 2,610Total nonperforming assets $ 160,717 $ 166,715 $ 162,345 $ 121,229 $ 104,305RatiosAllowance for credit losses on loans to total loans 1.50% 1.48% 1.48% 1.38% 1.35%Allowance for credit losses to nonperforming loans 168% 161% 165% 212% 229%Nonperforming loans to total loans 0.90% 0.92% 0.89% 0.65% 0.59%Nonperforming assets to total assets 0.66% 0.62% 0.61% 0.45% 0.38%Annualized net charge offs to average loans (QTD) 0.25% 0.25% 0.23% 0.27% 0.22%Annualized net charge offs to average loans (YTD) 0.24% 0.24% 0.23% 0.22% 0.20%Annualized net credit card charge offs toaverage credit card loans (QTD) 3.64% 2.99% 2.72% 2.63% 3.23%Simmons First National Corporation SFNCConsolidated – Average Balance Sheet and Net Interest Income AnalysisFor the Quarters Ended(Unaudited) Three Months Ended Three Months Ended Three Months Ended Sep 2025 Jun 2025 Sep 2024($ in thousands) Average Income/ Yield/ Average Income/ Yield/ Average Income/ Yield/ Balance Expense Rate Balance Expense Rate Balance Expense RateASSETSEarning assets:Interest bearing balances due from banksand federal funds sold $ 566,344 $ 6,421 4.50% $ 219,928 $ 2,531 4.62% $ 204,505 $ 2,921 5.68%Investment securities – taxable 2,751,493 29,183 4.21% 3,483,805 31,233 3.60% 3,826,934 37,473 3.90%Investment securities – non-taxable (FTE) 1,242,936 11,210 3.58% 2,564,037 21,210 3.32% 2,617,532 21,318 3.24%Mortgage loans held for sale 13,776 229 6.60% 13,063 221 6.79% 12,425 209 6.69%Assets held in trading accounts 11,305 99 3.47% – – 0.00% – – 0.00%Other loans held for sale – – 0.00% – – 0.00% – – 0.00%Loans – including fees (FTE) 16,976,231 270,092 6.31% 17,046,802 266,250 6.26% 17,208,162 278,766 6.44%Total interest earning assets (FTE) 21,562,085 317,234 5.84% 23,327,635 321,445 5.53% 23,869,558 340,687 5.68%Non-earning assets 3,352,837 3,317,496 3,346,882Total assets $ 24,914,922 $ 26,645,131 $ 27,216,440LIABILITIES AND STOCKHOLDERS' EQUITYInterest bearing liabilities:Interest bearing transaction andsavings accounts $ 11,043,132 $ 67,546 2.43% $ 11,220,060 $ 69,108 2.47% $ 10,826,514 $ 78,307 2.88%Time deposits 5,116,070 49,064 3.80% 5,820,499 57,231 3.94% 6,355,801 73,937 4.63%Total interest bearing deposits 16,159,202 116,610 2.86% 17,040,559 126,339 2.97% 17,182,315 152,244 3.52%Federal funds purchased and securitiessold under agreement to repurchase 23,306 72 1.23% 32,565 59 0.73% 51,830 138 1.06%Other borrowings 268,278 2,957 4.37% 960,817 10,613 4.43% 1,252,435 17,067 5.42%Subordinated notes and debentures 407,922 7,123 6.93% 366,350 6,188 6.77% 366,236 7,128 7.74%Total interest bearing liabilities 16,858,708 126,762 2.98% 18,400,291 143,199 3.12% 18,852,816 176,577 3.73%Noninterest bearing liabilities:Noninterest bearing deposits 4,369,941 4,390,454 4,535,105Other liabilities 317,965 308,223 323,378Total liabilities 21,546,614 23,098,968 23,711,299Stockholders' equity 3,368,308 3,546,163 3,505,141Total liabilities and stockholders' equity $ 24,914,922 $ 26,645,131 $ 27,216,440Net interest income (FTE) $ 190,472 $ 178,246 $ 164,110Net interest spread (FTE) 2.86% 2.41% 1.95%Net interest margin (FTE) 3.50% 3.06% 2.74%Simmons First National Corporation SFNCConsolidated – Selected Financial DataFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands, except share data)QUARTER-TO-DATEFinancial Highlights – As ReportedNet Income (loss) $ (562,792) $ 54,773 $ 32,388 $ 48,319 $ 24,740Diluted earnings per share (4.00) 0.43 0.26 0.38 0.20Return on average assets -8.96% 0.82% 0.49% 0.71% 0.36%Return on average common equity -66.29% 6.20% 3.69% 5.43% 2.81%Return on tangible common equity (non-GAAP) (1) -113.56% 10.73% 6.61% 9.59% 5.27%Net interest margin (FTE) 3.50% 3.06% 2.95% 2.87% 2.74%Efficiency ratio (2) -25.11% 62.82% 66.94% 65.66% 75.70%FTE adjustment 3,811 6,422 6,414 6,424 6,398Average diluted shares outstanding 140,648,704 126,406,453 126,336,557 126,232,084 125,999,269Cash dividends declared per common share 0.213 0.213 0.213 0.210 0.210Accretable yield on acquired loans 725 1,263 1,084 1,863 1,496Financial Highlights – Adjusted (non-GAAP) (1)Adjusted earnings $ 64,930 $ 56,071 $ 33,122 $ 49,634 $ 46,005Adjusted diluted earnings per share 0.46 0.44 0.26 0.39 0.37Adjusted return on average assets 1.03% 0.84% 0.50% 0.73% 0.67%Adjusted return on average common equity 7.65% 6.34% 3.77% 5.57% 5.22%Adjusted return on tangible common equity 13.62% 10.97% 6.75% 9.83% 9.34%Adjusted efficiency ratio (2) 57.72% 60.52% 64.75% 62.89% 63.38%YEAR-TO-DATEFinancial Highlights – GAAPNet Income (loss) $ (475,631) $ 87,161 $ 32,388 $ 152,693 $ 104,374Diluted earnings per share (3.63) 0.69 0.26 1.21 0.83Return on average assets -2.44% 0.66% 0.49% 0.56% 0.51%Return on average common equity -18.21% 4.94% 3.69% 4.38% 4.02%Return on tangible common equity (non-GAAP) (1) -30.13% 8.67% 6.61% 7.96% 7.39%Net interest margin (FTE) 3.17% 3.01% 2.95% 2.74% 2.70%Efficiency ratio (2) -329.30% 64.86% 66.94% 69.57% 71.00%FTE adjustment 16,647 12,836 6,414 25,820 19,396Average diluted shares outstanding 131,132,891 126,325,650 126,336,557 126,115,606 125,910,260Cash dividends declared per common share 0.638 0.425 0.213 0.840 0.630Financial Highlights – Adjusted (non-GAAP) (1)Adjusted earnings $ 154,123 $ 89,193 $ 33,122 $ 177,887 $ 128,253Adjusted diluted earnings per share 1.18 0.71 0.26 1.41 1.02Adjusted return on average assets 0.79% 0.67% 0.50% 0.65% 0.63%Adjusted return on average common equity 5.90% 5.06% 3.77% 5.10% 4.94%Adjusted return on tangible common equity 10.37% 8.86% 6.75% 9.18% 8.96%Adjusted efficiency ratio (2) 60.90% 62.62% 64.75% 64.56% 65.14%END OF PERIODBook value per share $ 23.18 $ 28.17 $ 28.04 $ 28.08 $ 28.11Tangible book value per share 13.45 16.97 16.81 16.80 16.78Shares outstanding 144,703,075 125,996,248 125,926,822 125,651,540 125,554,598Full-time equivalent employees 2,883 2,947 2,949 2,946 2,972Total number of financial centers 223 223 222 222 234(1) Non-GAAP measurement that management believes aids in the understanding and discussion of results. Reconciliations to GAAP areincluded 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 adjustingitems as a percent of net interest income (fully taxable equivalent) and noninterest revenues, excluding gains and losses fromsecurities transactions and certain adjusting items, and is a non-GAAP measurement.Simmons First National Corporation SFNCReconciliation Of Non-GAAP Financial Measures – Adjusted Earnings – Quarter-to-DateFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024(in thousands, except per share data)QUARTER-TO-DATENet income (loss) $ (562,792) $ 54,773 $ 32,388 $ 48,319 $ 24,740Certain items (non-GAAP)Loss on early extinguishment of debt 570 – – – -Early retirement program 305 1,594 – 200 (1)Termination of vendor and software services – – – – (13)Loss (gain) on sale of securities 801,492 – – – 28,393Branch right sizing (net) 2,004 163 994 1,581 410Tax effect of certain items (1) (176,649) (459) (260) (466) (7,524)Certain items, net of tax 627,722 1,298 734 1,315 21,265Adjusted earnings (non-GAAP) (2) $ 64,930 $ 56,071 $ 33,122 $ 49,634 $ 46,005Diluted earnings per share $ (4.00) $ 0.43 $ 0.26 $ 0.38 $ 0.20Certain items (non-GAAP)Loss on early extinguishment of debt – – – – -Early retirement program – 0.01 – – -Termination of vendor and software services – – – – -Loss (gain) on sale of securities 5.70 – – – 0.23Branch right sizing (net) 0.01 – – 0.01 -Tax effect of certain items (1) (1.25) – – – (0.06)Certain items, net of tax 4.46 0.01 – 0.01 0.17Adjusted diluted earnings per share (non-GAAP) $ 0.46 $ 0.44 $ 0.26 $ 0.39 $ 0.37(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-DATENoninterest income $ (756,187) $ 42,354 $ 46,155 $ 43,558 $ 17,130Certain noninterest income itemsLoss on early extinguishment of debt 570 – – – -Loss (gain) on sale of securities 801,492 – – – 28,393Adjusted noninterest income (non-GAAP) $ 45,875 $ 42,354 $ 46,155 $ 43,558 $ 45,523Other income $ 6,141 $ 4,837 $ 8,007 $ 5,565 $ 8,346Certain other income itemsLoss on early extinguishment of debt 570 – – – -Adjusted other income (non-GAAP) $ 6,711 $ 4,837 $ 8,007 $ 5,565 $ 8,346Noninterest expense $ 142,032 $ 138,589 $ 144,580 $ 141,117 $ 137,193Certain noninterest expense itemsEarly retirement program (305) (1,594) – (200) 1Termination of vendor and software services – – – – 13Branch right sizing expense (2,004) (163) (994) (1,581) (410)Adjusted noninterest expense (non-GAAP) 139,723 136,832 143,586 139,336 136,797Less: Fraud event – – (4,300) – -Adjusted noninterest expense, excluding fraud event (non-GAAP) $ 139,723 $ 136,832 $ 139,286 $ 139,336 $ 136,797Salaries and employee benefits $ 76,249 $ 73,862 $ 74,824 $ 71,588 $ 69,167Certain salaries and employee benefits itemsEarly retirement program (305) (1,594) – (200) 1Other (1) 1 – – (1)Adjusted salaries and employee benefits (non-GAAP) $ 75,943 $ 72,269 $ 74,824 $ 71,388 $ 69,167Other operating expenses $ 43,027 $ 42,276 $ 46,051 $ 46,115 $ 44,540Certain other operating expenses itemsTermination of vendor and software services – – – – 13Branch right sizing expense (1,556) 255 (161) (1,457) (184)Adjusted other operating expenses (non-GAAP) $ 41,471 $ 42,531 $ 45,890 $ 44,658 $ 44,369Simmons First National Corporation SFNCReconciliation Of Non-GAAP Financial Measures – Adjusted Earnings – Year-to-DateFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024(in thousands, except per share data)YEAR-TO-DATENet income (loss) $ (475,631) $ 87,161 $ 32,388 $ 152,693 $ 104,374Certain items (non-GAAP)Loss on early extinguishment of debt 570 – – – -FDIC Deposit Insurance special assessment – – – 1,832 1,832Early retirement program 1,899 1,594 – 536 336Termination of vendor and software services – – – 602 602Loss (gain) on sale of securities 801,492 – – 28,393 28,393Branch right sizing (net) 3,161 1,157 994 2,746 1,165Tax effect of certain items (1) (177,368) (719) (260) (8,915) (8,449)Certain items, net of tax 629,754 2,032 734 25,194 23,879Adjusted earnings (non-GAAP) (2) $ 154,123 $ 89,193 $ 33,122 $ 177,887 $ 128,253Diluted earnings per share $ (3.63) $ 0.69 $ 0.26 $ 1.21 $ 0.83Certain items (non-GAAP)Loss on early extinguishment of debt – – – – -FDIC Deposit Insurance special assessment – – – 0.02 0.02Early retirement program 0.02 0.01 – – -Termination of vendor and software services – – – – -Loss (gain) on sale of securities 6.11 – – 0.23 0.23Branch right sizing (net) 0.02 0.01 – 0.02 0.01Tax effect of certain items (1) (1.34) – – (0.07) (0.07)Certain items, net of tax 4.81 0.02 – 0.20 0.19Adjusted diluted earnings per share (non-GAAP) $ 1.18 $ 0.71 $ 0.26 $ 1.41 $ 1.02(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-DATENoninterest income $ (667,678) $ 88,509 $ 46,155 $ 147,171 $ 103,613Certain noninterest income itemsLoss on early extinguishment of debt 570 – – – -Loss (gain) on sale of securities 801,492 – – 28,393 28,393Adjusted noninterest income (non-GAAP) $ 134,384 $ 88,509 $ 46,155 $ 175,564 $ 132,006Other income $ 18,985 $ 12,844 $ 8,007 $ 27,493 $ 21,928Certain other income itemsLoss on early extinguishment of debt 570 – – – -Adjusted other income (non-GAAP) $ 19,555 $ 12,844 $ 8,007 $ 27,493 $ 21,928Noninterest expense $ 425,201 $ 283,169 $ 144,580 $ 557,543 $ 416,426Certain noninterest expense itemsEarly retirement program (1,899) (1,594) – (536) (336)FDIC Deposit Insurance special assessment – – – (1,832) (1,832)Termination of vendor and software services – – – (602) (602)Branch right sizing expense (3,161) (1,157) (994) (2,746) (1,165)Adjusted noninterest expense (non-GAAP) 420,141 280,418 143,586 551,827 412,491Less: Fraud event (4,300) (4,300) (4,300) – -Adjusted noninterest expense, excluding fraud event (non-GAAP) $ 415,841 $ 276,118 $ 139,286 $ 551,827 $ 412,491Salaries and employee benefits $ 224,935 $ 148,686 $ 74,824 $ 284,124 $ 212,536Certain salaries and employee benefits itemsEarly retirement program (1,899) (1,594) – (536) (336)Other – 1 – – -Adjusted salaries and employee benefits (non-GAAP) $ 223,036 $ 147,093 $ 74,824 $ 283,588 $ 212,200Other operating expenses $ 131,354 $ 88,327 $ 46,051 $ 178,520 $ 132,405Certain other operating expenses itemsTermination of vendor and software services – – – (602) (602)Branch right sizing expense (1,462) 94 (161) (2,116) (659)Adjusted other operating expenses (non-GAAP) $ 129,892 $ 88,421 $ 45,890 $ 175,802 $ 131,144Simmons First National Corporation SFNCReconciliation Of Non-GAAP Financial Measures – End of PeriodFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands, except per share data)Calculation of Tangible Common Equity and the Ratio of Tangible Common Equity to Tangible AssetsTotal common stockholders' equity $ 3,353,963 $ 3,549,210 $ 3,531,485 $ 3,528,872 $ 3,528,833Intangible assets:Goodwill (1,320,799) (1,320,799) (1,320,799) (1,320,799) (1,320,799)Other intangible assets (87,520) (90,617) (93,714) (97,242) (101,093)Total intangibles (1,408,319) (1,411,416) (1,414,513) (1,418,041) (1,421,892)Tangible common stockholders' equity $ 1,945,644 $ 2,137,794 $ 2,116,972 $ 2,110,831 $ 2,106,941Total assets $ 24,208,162 $ 26,693,620 $ 26,792,991 $ 26,876,049 $ 27,269,404Intangible assets:Goodwill (1,320,799) (1,320,799) (1,320,799) (1,320,799) (1,320,799)Other intangible assets (87,520) (90,617) (93,714) (97,242) (101,093)Total intangibles (1,408,319) (1,411,416) (1,414,513) (1,418,041) (1,421,892)Tangible assets $ 22,799,843 $ 25,282,204 $ 25,378,478 $ 25,458,008 $ 25,847,512Ratio of common equity to assets 13.85% 13.30% 13.18% 13.13% 12.94%Ratio of tangible common equity to tangible assets 8.53% 8.46% 8.34% 8.29% 8.15%Calculation of Tangible Book Value per ShareTotal common stockholders' equity $ 3,353,963 $ 3,549,210 $ 3,531,485 $ 3,528,872 $ 3,528,833Intangible assets:Goodwill (1,320,799) (1,320,799) (1,320,799) (1,320,799) (1,320,799)Other intangible assets (87,520) (90,617) (93,714) (97,242) (101,093)Total intangibles (1,408,319) (1,411,416) (1,414,513) (1,418,041) (1,421,892)Tangible common stockholders' equity $ 1,945,644 $ 2,137,794 $ 2,116,972 $ 2,110,831 $ 2,106,941Shares of common stock outstanding 144,703,075 125,996,248 125,926,822 125,651,540 125,554,598Book value per common share $ 23.18 $ 28.17 $ 28.04 $ 28.08 $ 28.11Tangible book value per common share $ 13.45 $ 16.97 $ 16.81 $ 16.80 $ 16.78Calculation of Coverage Ratio of Uninsured, Non-Collateralized DepositsUninsured deposits at Simmons Bank $ 9,565,766 $ 8,407,847 $ 8,614,833 $ 8,467,291 $ 8,355,496Less: Collateralized deposits (excluding portion that is FDIC insured) 2,169,362 2,691,215 3,005,328 2,790,339 2,710,167Less: Intercompany eliminations 2,937,147 1,121,932 1,073,500 1,045,734 986,626Total uninsured, non-collateralized deposits $ 4,459,257 $ 4,594,700 $ 4,536,005 $ 4,631,218 $ 4,658,703FHLB borrowing availability $ 6,134,000 $ 5,133,000 $ 4,432,000 $ 4,716,000 $ 4,955,000Unpledged securities 1,575,000 3,697,000 4,197,000 4,103,000 4,110,000Fed funds lines, Fed discount window andBank Term Funding Program (1) 1,824,000 1,894,000 1,780,000 2,081,000 2,109,000Additional liquidity sources $ 9,533,000 $ 10,724,000 $ 10,409,000 $ 10,900,000 $ 11,174,000Uninsured, non-collateralized deposit coverage ratio 2.1 2.3 2.3 2.4 2.4(1) The Bank Term Funding Program closed for new loans on March 11, 2024. At no time did Simmons borrow funds under this program.Calculation of Net Charge Off RatioNet charge offs $ 10,711 $ 10,576 $ 9,648 $ 11,536 $ 9,314Less: Net charge offs from run-off portfolio (1) 500 1,100 1,900 2,500 3,500Net charge offs excluding run-off portfolio $ 10,211 $ 9,476 $ 7,748 $ 9,036 $ 5,814Average total loans $ 16,976,231 $ 17,046,802 $ 16,920,050 $ 17,212,034 $ 17,208,162Annualized net charge offs to average loans (NCO ratio) 0.25% 0.25% 0.23% 0.27% 0.22%NCO ratio, excluding net charge offs associated with run-offportfolio (annualized) 0.24% 0.22% 0.19% 0.21% 0.13%(1) Run-off portfolio consists of asset based lending and small equipment finance portfolios obtained in acquisitions.Simmons First National Corporation SFNCReconciliation Of Non-GAAP Financial Measures – Quarter-to-DateFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands)Calculation of Adjusted Return on Average AssetsNet income (loss) $ (562,792) $ 54,773 $ 32,388 $ 48,319 $ 24,740Certain items (non-GAAP)Loss on early extinguishment of debt 570 – – – -Early retirement program 305 1,594 – 200 (1)Termination of vendor and software services – – – – (13)Loss (gain) on sale of securities 801,492 – – – 28,393Branch right sizing (net) 2,004 163 994 1,581 410Tax effect of certain items (2) (176,649) (459) (260) (466) (7,524)Adjusted earnings (non-GAAP) $ 64,930 $ 56,071 $ 33,122 $ 49,634 $ 46,005Average total assets $ 24,914,922 $ 26,645,131 $ 26,678,628 $ 27,078,943 $ 27,216,440Return on average assets -8.96% 0.82% 0.49% 0.71% 0.36%Adjusted return on average assets (non-GAAP) 1.03% 0.84% 0.50% 0.73% 0.67%Calculation of Return on Tangible Common EquityNet income (loss) available to common stockholders $ (562,792) $ 54,773 $ 32,388 $ 48,319 $ 24,740Amortization of intangibles, net of taxes 2,287 2,289 2,605 2,843 2,845Total income available to common stockholders $ (560,505) $ 57,062 $ 34,993 $ 51,162 $ 27,585Certain items (non-GAAP)Loss on early extinguishment of debt 570 – – – -Early retirement program 305 1,594 – 200 (1)Termination of vendor and software services – – – – (13)Loss (gain) on sale of securities 801,492 – – – 28,393Branch right sizing (net) 2,004 163 994 1,581 410Tax effect of certain items (2) (176,649) (459) (260) (466) (7,524)Adjusted earnings (non-GAAP) 64,930 56,071 33,122 49,634 46,005Amortization of intangibles, net of taxes 2,287 2,289 2,605 2,843 2,845Total adjusted earnings available to common stockholders (non-GAAP) $ 67,217 $ 58,360 $ 35,727 $ 52,477 $ 48,850Average common stockholders' equity $ 3,368,308 $ 3,546,163 $ 3,564,469 $ 3,543,146 $ 3,505,141Average intangible assets:Goodwill (1,320,799) (1,320,799) (1,320,799) (1,320,799) (1,320,799)Other intangibles (89,349) (92,432) (95,787) (99,405) (103,438)Total average intangibles (1,410,148) (1,413,231) (1,416,586) (1,420,204) (1,424,237)Average tangible common stockholders' equity (non-GAAP) $ 1,958,160 $ 2,132,932 $ 2,147,883 $ 2,122,942 $ 2,080,904Return on average common equity -66.29% 6.20% 3.69% 5.43% 2.81%Return on tangible common equity -113.56% 10.73% 6.61% 9.59% 5.27%Adjusted return on average common equity (non-GAAP) 7.65% 6.34% 3.77% 5.57% 5.22%Adjusted return on tangible common equity (non-GAAP) 13.62% 10.97% 6.75% 9.83% 9.34%Calculation of Efficiency Ratio and Adjusted Efficiency Ratio(1)Noninterest expense (efficiency ratio numerator) $ 142,032 $ 138,589 $ 144,580 $ 141,117 $ 137,193Certain noninterest expense items (non-GAAP)Early retirement program (305) (1,594) – (200) 1Termination of vendor and software services – – – – 13Branch right sizing expense (2,004) (163) (994) (1,581) (410)Other real estate and foreclosure expense adjustment (200) (216) (198) (317) (87)Amortization of intangibles adjustment (3,097) (3,098) (3,527) (3,850) (3,851)Adjusted efficiency ratio numerator $ 136,426 $ 133,518 $ 139,861 $ 135,169 $ 132,859Net interest income $ 186,661 $ 171,824 $ 163,422 $ 164,942 $ 157,712Noninterest income (756,187) 42,354 46,155 43,558 17,130Fully tax-equivalent adjustment (effective tax rate of 26.135%) 3,811 6,422 6,414 6,424 6,398Efficiency ratio denominator (565,715) 220,600 215,991 214,924 181,240Certain noninterest income items (non-GAAP)Loss on early extinguishment of debt 570 – – – -(Gain) loss on sale of securities 801,492 – – – 28,393Adjusted efficiency ratio denominator $ 236,347 $ 220,600 $ 215,991 $ 214,924 $ 209,633Efficiency ratio(1) -25.11% 62.82% 66.94% 65.66% 75.70%Adjusted efficiency ratio (non-GAAP)(1) 57.72% 60.52% 64.75% 62.89% 63.38%(1) Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent) and noninterest revenues. Adjusted efficiencyratio is noninterest expense before foreclosed property expense, amortization of intangibles and certain adjusting items as a percent of net interestincome (fully taxable equivalent) and noninterest revenues, excluding gains and losses from securities transactions and certain adjusting items, and isa 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.Simmons First National Corporation SFNCReconciliation Of Non-GAAP Financial Measures – Quarter-to-Date (continued)For the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands)Calculation of Total Revenue and Adjusted Total RevenueNet interest income $ 186,661 $ 171,824 $ 163,422 $ 164,942 $ 157,712Noninterest income (756,187) 42,354 46,155 43,558 17,130Total revenue (569,526) 214,178 209,577 208,500 174,842Certain items, pre-tax (non-GAAP)Plus: Loss on early extinguishment of debt 570 – – – -Less: Gain (loss) on sale of securities (801,492) – – – (28,393)Adjusted total revenue $ 232,536 $ 214,178 $ 209,577 $ 208,500 $ 203,235Calculation of Pre-Provision Net Revenue (PPNR)Net interest income $ 186,661 $ 171,824 $ 163,422 $ 164,942 $ 157,712Noninterest income (756,187) 42,354 46,155 43,558 17,130Total revenue (569,526) 214,178 209,577 208,500 174,842Less: Noninterest expense 142,032 138,589 144,580 141,117 137,193Pre-Provision Net Revenue (PPNR) $ (711,558) $ 75,589 $ 64,997 $ 67,383 $ 37,649Calculation of Adjusted Pre-Provision Net RevenuePre-Provision Net Revenue (PPNR) $ (711,558) $ 75,589 $ 64,997 $ 67,383 $ 37,649Certain items, pre-tax (non-GAAP)Plus: Loss on early extinguishment of debt 570 – – – -Plus: Loss (gain) on sale of securities 801,492 – – – 28,393Plus: Early retirement program costs 305 1,594 – 200 (1)Plus: Termination of vendor and software services – – – – (13)Plus: Branch right sizing costs (net) 2,004 163 994 1,581 410Adjusted Pre-Provision Net Revenue $ 92,813 $ 77,346 $ 65,991 $ 69,164 $ 66,438Simmons First National Corporation SFNCReconciliation Of Non-GAAP Financial Measures – Year-to-DateFor the Quarters Ended Sep 30 Jun 30 Mar 31 Dec 31 Sep 30(Unaudited) 2025 2025 2025 2024 2024($ in thousands)Calculation of Adjusted Return on Average AssetsNet income (loss) $ (475,631) $ 87,161 $ 32,388 $ 152,693 $ 104,374Certain items (non-GAAP)Loss on early extinguishment of debt 570 – – – -FDIC Deposit Insurance special assessment – – – 1,832 1,832Early retirement program 1,899 1,594 – 536 336Termination of vendor and software services – – – 602 602Loss (gain) on sale of securities 801,492 – – 28,393 28,393Branch right sizing (net) 3,161 1,157 994 2,746 1,165Tax effect of certain items (2) (177,368) (719) (260) (8,915) (8,449)Adjusted earnings (non-GAAP) $ 154,123 $ 89,193 $ 33,122 $ 177,887 $ 128,253Average total assets $ 26,073,100 $ 26,661,787 $ 26,678,628 $ 27,214,647 $ 27,260,212Return on average assets -2.44% 0.66% 0.49% 0.56% 0.51%Adjusted return on average assets (non-GAAP) 0.79% 0.67% 0.50% 0.65% 0.63%Calculation of Return on Tangible Common EquityNet income (loss) available to common stockholders $ (475,631) $ 87,161 $ 32,388 $ 152,693 $ 104,374Amortization of intangibles, net of taxes 7,181 4,894 2,605 11,377 8,534Total income available to common stockholders $ (468,450) $ 92,055 $ 34,993 $ 164,070 $ 112,908Certain items (non-GAAP)Loss on early extinguishment of debt 570 – – – -FDIC Deposit Insurance special assessment – – – 1,832 1,832Early retirement program 1,899 1,594 – 536 336Termination of vendor and software services – – – 602 602Loss (gain) on sale of securities 801,492 – – 28,393 28,393Branch right sizing (net) 3,161 1,157 994 2,746 1,165Tax effect of certain items (2) (177,368) (719) (260) (8,915) (8,449)Adjusted earnings (non-GAAP) 154,123 89,193 33,122 177,887 128,253Amortization of intangibles, net of taxes 7,181 4,894 2,605 11,377 8,534Total adjusted earnings available to common stockholders (non-GAAP) $ 161,304 $ 94,087 $ 35,727 $ 189,264 $ 136,787Average common stockholders' equity $ 3,492,261 $ 3,555,265 $ 3,564,469 $ 3,486,822 $ 3,467,908Average intangible assets:Goodwill (1,320,799) (1,320,799) (1,320,799) (1,320,799) (1,320,799)Other intangibles (92,499) (94,100) (95,787) (105,239) (107,197)Total average intangibles (1,413,298) (1,414,899) (1,416,586) (1,426,038) (1,427,996)Average tangible common stockholders' equity (non-GAAP) $ 2,078,963 $ 2,140,366 $ 2,147,883 $ 2,060,784 $ 2,039,912Return on average common equity -18.21% 4.94% 3.69% 4.38% 4.02%Return on tangible common equity -30.13% 8.67% 6.61% 7.96% 7.39%Adjusted return on average common equity (non-GAAP) 5.90% 5.06% 3.77% 5.10% 4.94%Adjusted return on tangible common equity (non-GAAP) 10.37% 8.86% 6.75% 9.18% 8.96%Calculation of Efficiency Ratio and Adjusted Efficiency Ratio(1)Noninterest expense (efficiency ratio numerator) $ 425,201 $ 283,169 $ 144,580 $ 557,543 $ 416,426Certain noninterest expense items (non-GAAP)Early retirement program (1,899) (1,594) – (536) (336)FDIC Deposit Insurance special assessment – – – (1,832) (1,832)Termination of vendor and software services – – – (602) (602)Branch right sizing expense (3,161) (1,157) (994) (2,746) (1,165)Other real estate and foreclosure expense adjustment (614) (414) (198) (700) (383)Amortization of intangibles adjustment (9,722) (6,625) (3,527) (15,403) (11,553)Adjusted efficiency ratio numerator $ 409,805 $ 273,379 $ 139,861 $ 535,724 $ 400,555Net interest income $ 521,907 $ 335,246 $ 163,422 $ 628,465 $ 463,523Noninterest income (667,678) 88,509 46,155 147,171 103,613Fully tax-equivalent adjustment (effective tax rate of 26.135%) 16,647 12,836 6,414 25,820 19,396Efficiency ratio denominator (129,124) 436,591 215,991 801,456 586,532Certain noninterest income items (non-GAAP)Loss on early extinguishment of debt 570 – – – -(Gain) loss on sale of securities 801,492 – – 28,393 28,393Adjusted efficiency ratio denominator $ 672,938 $ 436,591 $ 215,991 $ 829,849 $ 614,925Efficiency ratio(1) -329.30% 64.86% 66.94% 69.57% 71.00%Adjusted efficiency ratio (non-GAAP)(1) 60.90% 62.62% 64.75% 64.56% 65.14%(1) Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent) and noninterest revenues. Adjusted efficiencyratio is noninterest expense before foreclosed property expense, amortization of intangibles and certain adjusting items as a percent of net interestincome (fully taxable equivalent) and noninterest revenues, excluding gains and losses from securities transactions and certain adjusting items, and isa 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.

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