Simmons First National Corporation (SFNC)

Simmons First National Corporation Announces Second Quarter 2026 Earnings Release Date and Conference CallJune 29, 2026 4:30 PM
PR Newswire (US) PINE BLUFF, Ark., June 29, 2026 /PRNewswire/ -- Simmons First National Corporation (NASDAQ: SFNC) today announced it is scheduled to release second quarter 2026 earnings after the market closing on Thursday, July 16, 2026.  Management will conduct a live conference call to review this information beginning at 7:30 a.m. Central Time on Friday, July 17. Interested parties can listen to the call by dialing toll-free 1-844-481-2779 (North America only) and asking for the Simmons First National Corporation conference call, conference ID 10210202. In addition, the call will be available live or in recorded version on our website at simmonsbank.com under the "Investor Relations" tab. The recorded version will be available for at least 60 days following the date of the call. Simmons First National Corporation
Simmons First National Corporation (NASDAQ: SFNC) is a Mid-South based financial holding company that has paid cash dividends to its shareholders for 117 consecutive years. Its principal subsidiary, Simmons Bank, operates more than 220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank offers comprehensive financial solutions delivered with a client-centric approach. Recently, Simmons Bank was recognized by Newsweek as one of America's Best Regional Banks and Credit Unions 2026 and by Forbes as one of America's Best-In-State Companies 2026. In 2025, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom. View original content to download multimedia:https://www.prnewswire.com/news-releases/simmons-first-national-corporation-announces-second-quarter-2026-earnings-release-date-and-conference-call-302813299.htmlSOURCE Simmons First National Corporation Original: Simmons First National Corporation Announces Second Quarter 2026 Earnings Release Date and Conference Call

Simmons First National Corporation Declares $0.215 Per Share DividendMay 28, 2026 4:30 PM
PR Newswire (US) PINE BLUFF, Ark., May 28, 2026 /PRNewswire/ -- Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) announced today that its board of directors has declared a quarterly cash dividend on Simmons' Class A common stock of $0.215 per share, which is payable on July 1, 2026, to shareholders of record as of June 15, 2026. The cash dividend rate represents an increase of 1 percent from the dividend paid for the same time period last year. The annualized cash dividend rate of $0.86 for 2026 represents a ten-year compound annual growth rate of 6 percent and marks the 117th consecutive year that Simmons has paid cash dividends. According to research by Dividend Power, Simmons is one of only 27 U.S. publicly traded companies that have paid dividends for 100+ uninterrupted years. 2026 marks the 15th consecutive year that Simmons has increased its dividend, earning it Dividend Power's designation as a "Dividend Contender," a title exclusively for companies that have increased their dividend for 10 to 24 consecutive years. As of December 21, 2025, Dividend Power research noted that Simmons is one of only 322 companies out of nearly 6,000 companies listed on the New York Stock Exchange (NYSE) and NASDAQ to achieve this distinction.Simmons First National Corporation
Simmons First National Corporation (NASDAQ: SFNC) is a Mid-South based financial holding company that has paid cash dividends to its shareholders for 117 consecutive years. Its principal subsidiary, Simmons Bank, operates more than 220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank offers comprehensive financial solutions delivered with a client-centric approach. Simmons Bank was recognized by Newsweek as one of America's Best Regional Banks and Credit Unions 2026 and by Forbes as one of America's Best-In-State Companies 2026. In 2025, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom.Forward-Looking Statements
This press release contains statements related to dividends that are not based on historical facts and constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. By nature, such forward-looking statements are based on various assumptions and involve inherent risks and uncertainties that could cause actual results to differ materially from those expressed in or implied by the forward-looking statements. Among other risks, there can be no guarantee that the board of directors of Simmons will approve a quarterly dividend in future quarters, and the timing, payment, and amount of future dividends (if any) may differ significantly from past dividends. Additional information on other risk factors that could affect the forward-looking statements is included in the Company's Form 10-K for the year ended December 31, 2025, the Company's Form 10-Q for the quarter ended March 31, 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. 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. View original content to download multimedia:https://www.prnewswire.com/news-releases/simmons-first-national-corporation-declares-0-215-per-share-dividend-302784567.htmlSOURCE Simmons First National Corporation Original: Simmons First National Corporation Declares $0.215 Per Share Dividend

Simmons Bank Championship Presented by Stephens Announces $125,000 Investment in First Tee of Central Arkansas, Earns PGA TOUR Champions President's AwardMay 5, 2026 6:44 PM
PR Newswire (US) LITTLE ROCK, Ark., May 5, 2026 /PRNewswire/ -- The Simmons Bank Championship presented by Stephens was recently named the recipient of the PGA TOUR Champions President's Award, the highest honor bestowed upon a tournament on the PGA TOUR Champions circuit, recognizing exceptional performance in charitable impact, community engagement, player hospitality, and overall event excellence. The award was recently celebrated during a Tournament of the Year Celebration at Pleasant Valley Country Club in Little Rock, bringing together sponsors, partners, volunteers, and community leaders who helped make the championship's second year even more successful than its inaugural season."Receiving the President's Award in just our second year is an incredible honor and a testament to the people who make this tournament possible," said Michael Cataldo, Tournament Director of the Simmons Bank Championship. "From our sponsors and partners to our volunteers and community supporters, this recognition belongs to all of them."The PGA TOUR Champions President's Award recognizes tournaments that go above and beyond in delivering a world-class experience while making a meaningful impact off the course. Among the elements highlighted were enhanced player and caddie hospitality, innovative programming, and the tournament's strong commitment to charitable giving throughout Arkansas.During the celebration, tournament leadership also announced a $125,000 cornerstone gift to First Tee of Central Arkansas, reinforcing the championship's mission to reinvest tournament success directly into the communities it serves.In its first year, the Simmons Bank Championship donated more than $250,000 to over 20 local charities, including an initial $100,000 gift to First Tee of Central Arkansas. That investment supported expanded program access and transportation. This year's increased contribution reflects the tournament's growing charitable footprint and long-term vision."As the championship continues to grow, so does our responsibility to give back," said Freddie Black, President of the Arkansas Champions Trust. "Supporting First Tee of Central Arkansas aligns perfectly with our mission to invest in young people and help strengthen communities across the state."The $125,000 gift will support a multi-phase initiative to strengthen First Tee of Central Arkansas' development pathway as the organization celebrates its 25th year serving Arkansas youth. A significant portion of the investment will fund the integration of TrackMan technology and an indoor putting studio, creating a modern, data-driven development environment that supports year-round instruction and long-term participant retention, particularly during the critical middle and high school years."This investment allows us to bring truly state-of-the-art golf technology to First Tee of Central Arkansas and, most importantly, to our kids," said Monica Blake, Executive Director of First Tee of Central Arkansas. "By integrating modern tools like TrackMan and creating an indoor putting studio, we are able to round out player development both on the golf course and in the classroom. It gives our participants a year-round learning environment that isn't limited by weather. Access to this level of technology is simply not available to youth anywhere else in the state, and it positions our kids to learn, train, and develop at the same modern standards shaping the game nationally."Additional funding will support classroom and programming enhancements, including upgraded club inventory, a structured loaner program to remove equipment barriers, modernized classroom furnishings, and essential gear to ensure every participant has what they need to fully engage.Owned and operated by the Arkansas Champions Trust, the Simmons Bank Championship has quickly established itself as a premier event on the PGA TOUR Champions schedule. In its first year, the tournament earned The Players Award, voted on by participating players. With the addition of the President's Award in year two, the championship continues to set the standard for excellence and impact."Our goal from the beginning was to build something Arkansas could be proud of," Black said. "This recognition reinforces that we're doing it the right way with purpose, partnership, and pride in our community."The Simmons Bank Championship presented by Stephens returns in 2026, continuing its commitment to competitive excellence, charitable impact, and lasting value for the State of Arkansas.Simmons Bank Championship presented by Stephens
The Simmons Bank Championship presented by Stephens is a PGA TOUR Champions Charles Schwab Cup Playoff event contested annually in Little Rock, Arkansas. Played at Pleasant Valley Country Club, the tournament features a 54-player field competing for a $2.3 million purse and brings the game's most accomplished champions to Arkansas.Owned and operated by the Arkansas Champions Trust, a 501(c)(3) nonprofit organization, the Simmons Bank Championship is committed to charitable giving and creating a lasting impact across the State of Arkansas. Since its inception, the tournament has focused on delivering a world-class player and fan experience while reinvesting tournament success back into local communities through meaningful philanthropic support.The 2026 Simmons Bank Championship presented by Stephens will be played October 26–November 1, 2026. For more information about the tournament, visit the tournament website (simmonsbankchampionship.com) or follow the Simmons Bank Championship presented by Stephens on Facebook (@SimmonsBankChampionship), Instagram (@sbgolfchamp), X [formerly Twitter] (@sbgolfchamp), TikTok (@sbgolfchamp), LinkedIn (@SimmonsBankChampionship) and YouTube (@SimmonsBankChampionship).First Tee of Central Arkansas
First Tee of Central Arkansas serves thousands of children annually by using golf to teach core values and life skills in a structured, supportive environment. Based in Little Rock, the organization operates a public 9-hole regulation course, a 9-hole par-3 course, and a Top 100-ranked, 16-acre driving range, providing broad access to the game for youth across the region.Located at 1 First Tee Way, First Tee of Central Arkansas delivers programming through on-site classes, camps, and school partnerships. As the organization celebrates 25 years of service, it continues to evolve its development pathway to ensure Arkansas youth have the tools, resources, and environments needed not only to participate but to grow, develop, and thrive both in golf and in life. View original content to download multimedia:https://www.prnewswire.com/news-releases/simmons-bank-championship-presented-by-stephens-announces-125-000-investment-in-first-tee-of-central-arkansas-earns-pga-tour-champions-presidents-award-302763353.htmlSOURCE Simmons Bank Championship Original: Simmons Bank Championship Presented by Stephens Announces $125,000 Investment in First Tee of Central Arkansas, Earns PGA TOUR Champions President's Award

Simmons First National Corporation Reports First Quarter EPS of $0.47April 16, 2026 4:30 PM
PR Newswire (US)

PINE BLUFF, Ark., April 16, 2026 /PRNewswire/ --







Financial Highlights1Q264Q251Q25
1Q26 HighlightsIncome Statement Summary (in millions)



Comparisons reflect 1Q26 vs 4Q25
unless otherwise noted • Net income of $68.5 million and diluted EPS of $0.47• Adjusted net income1 of $68.6 million and adjusted diluted EPS1 of $0.47• ROAA of 1.13% and ROE of 8.01%• Adjusted ROAA1 of 1.13%; adjusted ROTCE1 of 13.91%• Total revenue of $241.4 million and PPNR1 of $100.7 million• Net interest margin up 3 bps to 3.84%; cost of deposits down 8 bps to 1.96%• Efficiency ratio of 57.56%; adjusted efficiency ratio1 of 56.16%• Broad based growth drives total loans up 10% annualized• Unfunded commitments up 5%• Total average deposits up 6% annualized• Provision expense exceeded net charge-offs by $5.5 million• NCO ratio at 21 bps for 1Q26; ACL steady at 1.28%Total revenue$  241.4$  249.0$209.6
Adjusted total revenue1241.4249.0209.6
Pre-provision net revenue1 (PPNR)100.7109.165.0
Adjusted pre-provision net revenue1100.7110.466.0
Provision for credit losses14.615.126.8
Net income68.578.132.4
Adjusted net income168.679.033.1
Per share Data



Diluted earnings$    0.47$    0.54$  0.26
Adjusted diluted earnings10.470.540.26
Cash dividend declared0.21500.21250.2125
Balance Sheet (in millions)



Total loans$17,933$17,492$17,094
Total deposits20,20320,18421,685
Total assets24,69324,54126,793
Total shareholders' equity3,4383,4193,531
Asset Quality



Net charge-off ratio (NCO ratio)0.21 %1.12 %0.23 %
Allowance for credit losses to loans (ACL)1.281.281.48
Capital Ratios



Equity to assets (EA) ratio13.92 %13.93 %13.18 %
Tangible common equity (TCE) ratio18.748.718.34
Common equity tier 1 (CET1) ratio11.5811.6312.21
Total risk-based capital ratio14.3614.4514.59
Other Ratios



Return on average assets1.13 %1.28 %0.49 %
Adjusted return on average assets11.131.290.50
Return on average common equity8.019.083.69
Return on average tangible common equity113.9015.926.61
Adj. return onavg. tangible common equity113.9116.106.75
Net interest margin (FTE)3.843.812.95
Efficiency ratio57.5655.5266.94
Adjusted efficiency ratio156.1653.6464.75
Jay Brogdon, Simmons' President and CEO, commented on first quarter 2026 results:Simmons delivered solid results in the first quarter driven by strong loan growth, expanding margin, and continued earnings momentum. Loans grew 10 percent linked quarter annualized, with growth broad-based across geography and industry. Net interest margin expanded linked quarter, increasing three basis points to 3.84 percent, benefiting from disciplined relationship pricing, fixed rate asset repricing and improving funding costs. Net charge-offs for the quarter were 21 basis points and provision expense exceeded net charge-offs by $5.5 million, primarily due to loan growth. Looking forward, we remain committed to delivering disciplined growth and designing a more efficient and scalable infrastructure. The talent environment continues to be favorable and supports our organic growth priorities. We are increasingly optimistic about the prospects for consistently achieving returns that exceed our long-range targets.Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today reported net income of $68.5 million for the first quarter of 2026, compared to net income of $78.1 million for the fourth quarter of 2025 and net income of $32.4 million for the first quarter of 2025. Diluted earnings per share were $0.47 for the first quarter of 2026, compared to $0.54 for the fourth quarter of 2025 and $0.26 for the first quarter of 2025. Adjusted earnings1 for the first quarter of 2026 were $68.6 million, compared to $79.0 million for the fourth quarter of 2025 and $33.1 million for the first quarter of 2025. Adjusted diluted earnings per share1 for the first quarter of 2026 were $0.47, compared to $0.54 for the fourth quarter of 2025 and $0.26 for the first quarter of 2025.For the first quarter of 2026, return on average assets was 1.13 percent and return on average common equity was 8.01 percent. Adjusted return on average assets1 was 1.13 percent and adjusted return on average tangible common equity1 was 13.91 percent.The table below summarizes the impact of certain items, consisting primarily of FDIC deposit insurance special assessment, professional services, branch right sizing costs, early retirement program costs and a loss on the sale of equipment finance business. These items are also described in further detail in the "Reconciliation of Non-GAAP Financial Measures" tables contained in this press release.Impact of Certain Items on Earnings and Diluted Earnings Per Share (EPS)$ in millions, except per share data
 1Q264Q251Q25Net income
$ 68.5$ 78.1$ 32.4




FDIC deposit insurance special assessment
(2.0)--Professional services
1.2--Branch right sizing costs, net
0.60.11.0Early retirement program costs
0.3--Loss on sale of equipment finance business
-1.1-   Total pre-tax impact
0.11.21.0Tax effect
-(0.3)(0.3)   Total impact on earnings
0.10.90.7Adjusted earnings1, 3
$ 68.6$ 79.0$ 33.1




Diluted EPS
$ 0.47$ 0.54$ 0.26




FDIC deposit insurance special assessment
(0.01)--Professional services
0.01--Branch right sizing costs, net
---Early retirement program costs
---Loss on sale of equipment finance business
-0.01-   Total pre-tax impact
-0.01-Tax effect
-(0.01)-   Total impact on earnings
---Adjusted Diluted EPS1
$ 0.47$ 0.54$ 0.26Net Interest Income
Net interest income for the first quarter of 2026 totaled $197.2 million, compared to $197.3 million for the fourth quarter of 2025 and $163.4 million for the first quarter of 2025. The increase in net interest income on a year-over-year basis was primarily due to a $39.8 million decrease in interest expense, which included a $32.9 million decrease in interest bearing deposit costs and a $6.9 million decrease in the cost of other interest bearing liabilities. The decrease in interest expense compared to the prior year quarter reflected a reduction of wholesale funding as a result of the balance sheet repositioning completed in the third quarter of 2025, as well as a lower interest rate environment. Net interest margin for the first quarter of 2026 on a fully taxable equivalent basis was 3.84 percent, up 3 basis points compared to 3.81 percent for the fourth quarter of 2025 and up 89 basis points compared to 2.95 percent for the first quarter of 2025. The increase in net interest margin on a linked quarter basis was driven by a 6 percent annualized increase in average loans, coupled with a 13 percent annualized increase in average low-cost interest bearing transaction and savings accounts. The increase in net interest margin on a year-over-year basis primarily reflected the balance sheet repositioning that was completed during the third quarter of 2025.Select Yield/Rates
1Q264Q253Q252Q251Q25Loan yield (FTE)26.16 %6.23 %6.31 %6.26 %6.20 %Investment securities yield (FTE)24.254.304.013.483.48Cost of interest bearing deposits2.472.622.862.973.05Cost of deposits1.962.042.252.362.44Net interest spread (FTE)23.273.182.862.412.30Net interest margin (FTE)23.843.813.503.062.95Noninterest Income
Noninterest income for the first quarter of 2026 was $44.2 million, compared to $51.7 million in the fourth quarter of 2025 and $46.2 million in the first quarter of 2025. The decrease in noninterest income on a linked quarter basis was primarily due to a Small Business Investment Company (SBIC) negative valuation adjustment in the first quarter of 2026 and proceeds from bank owned life insurance death benefits recorded in the fourth quarter of 2025, both of which are included in other income in the table below.Noninterest Income$ in millions1Q264Q253Q252Q251Q25Service charges on deposit accounts$    12.7$    12.7$   13.0$  12.6$  12.6Wealth management fees10.510.310.09.59.6Debit and credit card fees8.58.78.58.68.4Mortgage lending income1.92.22.31.72.0Other service charges and fees1.61.51.51.31.3Bank owned life insurance4.23.93.93.94.1Gain (loss) on sale of securities--(801.5)--Other income4.812.46.14.88.0   Total noninterest income$    44.2$   51.7$(756.2)$ 42.4$ 46.2





Adjusted noninterest income1$    44.2$   51.7$   45.9$ 42.4$ 46.2Noninterest Expense
Noninterest expense for the first quarter of 2026 was $140.7 million, compared to $139.9 million in the fourth quarter of 2025 and $144.6 million in the first quarter of 2025. Included in noninterest expense are certain items consisting of branch right sizing costs, early retirement program costs, termination of vendor and software services, FDIC Deposit Insurance special assessment, professional services and a loss on the sale of an equipment finance business. Collectively, these items totaled $30 thousand in the first quarter of 2026, $1.2 million in the fourth quarter of 2025 and $1.0 million in the first quarter of 2025. Excluding these items (which are described in the "Reconciliation of Non-GAAP Financial Measures" table below) adjusted noninterest expense1 was $140.6 million in the first quarter of 2026, $138.6 million in the fourth quarter of 2025 and $143.6 million in the first quarter of 2025. The increase in adjusted noninterest expense on a linked quarter basis was primarily due to an increase in salaries and benefits reflecting a seasonal increase in payroll taxes expense incurred during the first quarter of 2026.Noninterest Expense$ in millions1Q26 4Q253Q25 2Q251Q25Salaries and employee benefits$  75.9$  72.9$  76.2$  73.9$  74.8Occupancy expense, net12.211.612.111.812.7Furniture and equipment5.45.35.35.55.5Deposit insurance2.34.75.24.95.4Other real estate and foreclosure expense0.30.40.20.20.2Other operating expenses44.544.843.042.346.1   Total noninterest expense$140.7$139.9$142.0$138.6$144.6





Adjusted salaries and employee benefits1$  75.6$  72.9$  75.9$  72.3$  74.8Adjusted other operating expenses143.144.041.542.545.9Adjusted noninterest expense1140.6138.6139.7136.8143.6Efficiency ratio57.56 %55.52 %(25.11) %62.82 %66.94 %Adjusted efficiency ratio156.1653.6457.7260.5264.75Full-time equivalent employees2,9132,9172,8832,9472,949Number of financial centers221222223223222Loans and Unfunded Loan Commitments
Total loans at the end of the first quarter of 2026 were $17.9 billion, up $440.7 million, or 10 percent annualized, compared to $17.5 billion at the end of the fourth quarter of 2025. The increase in total loans was driven by increases in commercial real estate, commercial and industrial, mortgage warehouse and agricultural portfolios, offset in part by a decrease in real estate construction. Unfunded loan commitments at the end of the first quarter of 2026 were $4.1 billion, compared to $3.9 billion at the end of the fourth quarter of 2025. The commercial loan pipeline totaled $1.6 billion at the end of the first quarter of 2026, and ready-to-close commercial loans totaled $651 million with a weighted average rate of 6.40 percent.Loans and Unfunded Loan Commitments$ in millions1Q264Q253Q25 2Q25 1Q25Total loans$17,933$17,492$17,189$17,111$17,094Unfunded loan commitments4,0683,8713,9553,9473,888Deposits and Other Borrowings
Total deposits at the end of the first quarter of 2026 were $20.2 billion, up $19 million compared to the end of the fourth quarter of 2025. The increase in total deposits reflected a $214 million increase in interest bearing transaction accounts and savings accounts, offset primarily from the continued planned run-off of higher rate, non-relationship time deposits or subsequent reinvestment of maturing time deposits into lower cost deposits. The decrease in total deposits on a year-over-year basis primarily reflects a reduction of higher rate, non-relationship wholesale and public fund deposits as part of the balance sheet repositioning completed during the third quarter of 2025.Other borrowings at the end of the first quarter of 2026 were $446.8 million, compared to $302.3 million at the end of the fourth quarter of 2025 and $884.9 million at the end of the first quarter of 2025. The decrease in other borrowings on a year-over-year basis reflected a reduction of higher cost wholesale funding, primarily FHLB advances, as part of the balance sheet repositioning completed during the third quarter of 2025. Deposits$ in millions 1Q26 4Q25 3Q25 2Q25 1Q25Noninterest bearing deposits$  4,290$  4,330$  4,377$  4,468$  4,455Interest bearing transaction accounts10,66710,45310,28910,53210,621Time deposits3,3343,5083,3313,5883,695Brokered deposits1,9121,8931,8413,2372,914   Total deposits$20,203$20,184$19,838$21,825$21,684





Noninterest bearing deposits to total deposits21 %21 %22 %20 %21 %Total loans to total deposits8987877879Asset Quality
Provision for credit losses on loans totaled $14.6 million for the first quarter of 2026, compared to $15.1 million in the fourth quarter of 2025 and $26.8 million in the first quarter of 2025. Net charge-offs as a percentage of average loans for the first quarter of 2026 were 21 basis points, compared to 112 basis points in the fourth quarter of 2025 and 23 basis points in the first quarter of 2025. Provision for credit losses on loans exceeded net charge-offs by $5.5 million during the first quarter of 2026 primarily as a result of strong loan growth during the quarter. The allowance for credit losses on loans at the end of the first quarter of 2026 was $229.9 million, compared to $224.4 million at the end of the fourth quarter of 2025 and $252.2 million at the end of the first quarter of 2025. The allowance for credit losses on loans as a percentage of total loans at the end of the first quarter of 2026 was 1.28 percent, unchanged from the end of the fourth quarter of 2025.Total nonperforming loans at the end of the first quarter of 2026 totaled $141.9 million, compared to $112.7 million at the end of the fourth quarter of 2025 and $152.3 million at the end of the first quarter of 2025. The increase in nonperforming loans on a linked quarter basis was primarily due to a single real estate construction relationship that is well collateralized and that management believes has limited loss content. The nonperforming loan coverage ratio ended the first quarter of 2026 at 162 percent, compared to 199 percent at the end of the fourth quarter of 2025 and 165 percent at the end of the first quarter of 2025. Total nonperforming assets as a percentage of total assets were 63 basis points at the end of the first quarter of 2026, compared to 51 basis points at the end of the fourth quarter of 2025 and 61 basis points at the end of the first quarter of 2025.Asset Quality$ in millions 1Q264Q253Q252Q251Q25Allowance for credit losses on loans to total loans1.28 %1.28 %1.50 %1.48 %1.48 %Allowance for credit losses on loans to
nonperforming loans162199168161165Nonperforming loans to total loans0.790.640.900.920.89Net charge-off ratio (annualized)0.211.120.250.250.23Net charge-off ratio YTD (annualized)0.210.470.240.240.23





Total nonperforming loans$141.9$112.7$153.9$157.2$152.3Total other nonperforming assets12.612.46.89.510.0   Total nonperforming assets$154.5$125.1$160.7$166.7$162.3





Reserve for unfunded commitments$25.6$25.6$25.6$25.6$25.6Capital
Total stockholders' equity at the end of the first quarter of 2026 and fourth quarter of 2025 was $3.4 billion, compared to $3.5 billion at the end of the first quarter of 2025. Book value per share at the end of the first quarter of 2026 was $23.70, compared to $23.62 at the end of the fourth quarter of 2025 and $28.04 at the end of the first quarter of 2025. Tangible book value per share1 at the end of the first quarter of 2026 was $14.03, compared to $13.91 at the end of the fourth quarter of 2025 and $16.81 at the end of the first quarter of 2025. The increase in book value per share and tangible book value per share on a linked quarter basis was primarily due to a $37.4 million increase in undivided profits. The year-over-year decline in book value per share and tangible book value per share was primarily due to the balance sheet repositioning completed in the third quarter of 2025.Total stockholders' equity as a percentage of total assets at the end of the first quarter of 2026 was 13.9 percent, unchanged from fourth quarter of 2025 levels and up from 13.2 percent at the end of the first quarter of 2025. Tangible common equity as a percentage of tangible assets1 was 8.7 percent at the end of the first quarter of 2026, unchanged from the fourth quarter of 2025 and up from 8.3 percent at the end of the first quarter of 2025. Each of the applicable regulatory capital ratios for Simmons and its principal subsidiary, Simmons Bank, continue to significantly exceed "well-capitalized" regulatory guidelines.Select Capital Ratios1Q264Q253Q252Q251Q25Stockholders' equity to total assets13.9 %13.9 %13.9 %13.3 %13.2 %Tangible common equity to tangible assets18.78.78.58.58.3Common equity tier 1 (CET1) ratio11.611.611.512.412.2Tier 1 leverage ratio10.110.19.610.09.8Tier 1 risk-based capital ratio11.611.611.512.412.2Total risk-based capital ratio14.414.415.114.414.6Share Repurchase Program 
During the first quarter of 2026, Simmons did not repurchase shares under its stock repurchase program that was authorized in February 2026 (2026 Program) and which replaced its former repurchase program that was authorized in January 2024. Remaining authorization under the 2026 Program as of March 31, 2026, was approximately $175 million. The timing, pricing and amount of any repurchases under the 2026 Program will be determined by Simmons' management at its discretion based on a variety of factors including, but not limited to, market conditions, trading volume and market price of Simmons' common stock, Simmons' capital needs, Simmons' working capital and investment requirements, other corporate considerations, economic conditions, and legal requirements. The 2026 Program does not obligate Simmons to repurchase any common stock and may be modified, discontinued or suspended at any time without prior notice.___________________________________________(1)Non-GAAP measurement. See "Non-GAAP Financial Measures" and "Reconciliation of Non-GAAP Financial Measures" below(2)FTE – fully taxable equivalent basis using an effective tax rate of 26.135%(3)In this press release, "Adjusted Earnings" may also be referred to as "Adjusted Net Income"

Conference Call
Management will conduct a live conference call to review this information beginning at 7:30 a.m. Central Time on Friday, April 17, 2026. Interested persons can listen to this call by dialing toll-free 1-844-481-2779 (North America only) and asking for the Simmons First National Corporation conference call, conference ID 10207627. In addition, the call will be available live or in recorded version on Simmons' website at simmonsbank.com for at least 60 days following the date of the call.Simmons First National Corporation
Simmons First National Corporation (NASDAQ: SFNC) is a Mid-South based financial holding company that has paid cash dividends to its shareholders for 117 consecutive years. Its principal subsidiary, Simmons Bank, operates more than 220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank offers comprehensive financial solutions delivered with a client-centric approach. Recently, Simmons Bank was recognized by Newsweek as one of America's Best Regional Banks and Credit Unions 2026 and by Forbes as one of America's Best-In-State Companies 2026. In 2025, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom.Non-GAAP Financial Measures
This press release contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (GAAP). The Company's management uses these non-GAAP financial measures in their analysis of the Company's performance. These measures adjust GAAP performance measures to, among other things, include the tax benefit associated with revenue items that are tax-exempt, as well as exclude from net income (including on a per share diluted basis), pre-tax, pre-provision earnings, net charge-offs, income available to common shareholders, noninterest income, and noninterest expense certain income and expense items attributable to, for example, branch right sizing costs, early retirement program costs, termination of vendor and software services, FDIC Deposit Insurance special assessment, professional services and a loss on the sale of an equipment finance business.In addition, the Company also presents certain figures based on tangible common stockholders' equity, tangible assets and tangible book value, which exclude goodwill and other intangible assets. The Company further presents certain figures that are exclusive of the impact of deposits and/or loans acquired through acquisitions, mortgage warehouse loans, and/or energy loans, or gains and/or losses on the sale of securities. The Company's management believes that these non-GAAP financial measures are useful to investors because they, among other things, present the results of the Company's ongoing operations without the effect of mergers or other items not central to the Company's ongoing business, as well as normalize for tax effects and certain other effects. Management, therefore, believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company's ongoing businesses, and management uses these non-GAAP financial measures to assess the performance of the Company's ongoing businesses as related to prior financial periods. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the tables of this release.Forward-Looking Statements
Certain statements in this press release may not be based on historical facts and should be considered "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements, including, without limitation, statements made in Mr. Brogdon's quote, may be identified by reference to future periods or by the use of forward-looking terminology, such as "believe," "budget," "expect," "foresee," "anticipate," "intend," "indicate," "target," "estimate," "plan," "project," "continue," "contemplate," "positions," "prospects," "predict," or "potential," by future conditional verbs such as "will," "would," "should," "could," "might" or "may," or by variations of such words or by similar expressions. These forward-looking statements include, without limitation, statements relating to Simmons' future growth, business strategies, lending capacity and lending activity, loan demand, revenue, assets, asset quality, profitability, dividends, net interest margin, non-interest revenue, share repurchase program, acquisition strategy, digital banking initiatives, the Company's ability to recruit and retain key employees, the adequacy of the allowance for credit losses, future economic conditions and interest rates, and the adequacy of reserve levels for loans. Any forward-looking statement speaks only as of the date of this press release, and Simmons undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date of this press release. By nature, forward-looking statements are based on various assumptions and involve inherent risk and uncertainties. Various factors, including, but not limited to, changes in economic conditions, changes in credit quality, changes in interest rates and related governmental policies, the effects of a government shutdown, changes in loan demand, changes in deposit flows, changes in real estate values, changes in the assumptions used in making the forward-looking statements, changes in the securities markets generally or the price of Simmons' common stock specifically, changes in information technology affecting the financial industry, and changes in customer behaviors, including consumer spending, borrowing, and saving habits; changes in tariff policies; general economic and market conditions; changes in governmental administrations; market disruptions including pandemics or significant health hazards, severe weather conditions, natural disasters, terrorist activities, financial crises, political crises, war and other military conflicts (including the ongoing military conflicts in the Middle East and between Russia and Ukraine) or other major events, or the prospect of these events; the soundness of other financial institutions and any indirect exposure related to the closings of other financial institutions and their impact on the broader market through other customers, suppliers and partners, or that the conditions which resulted in the liquidity concerns experienced by closed financial institutions may also adversely impact, directly or indirectly, other financial institutions and market participants with which the Company has commercial or deposit relationships; increased inflation; the loss of key employees; increased competition in the markets in which the Company operates and from non-bank financial institutions; increased unemployment; labor shortages; claims, damages, and fines related to litigation or government actions; changes in accounting principles relating to loan loss recognition (current expected credit losses); fraud that results in material losses or that we have not discovered yet that may result in material losses; the Company's ability to manage and successfully integrate its mergers and acquisitions and to fully realize cost savings and other benefits associated with acquisitions; increased delinquency and foreclosure rates on commercial real estate loans; significant increases in nonaccrual loan balances; cyber or other information technology threats, attacks or events; emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action or increase cybersecurity threats; reliance on third parties for key services; government legislation; and other factors, many of which are beyond the control of the Company, could cause actual results to differ materially from those projected in or contemplated by the forward-looking statements. In addition, there can be no guarantee that the board of directors (Board) of Simmons will approve a quarterly dividend in future quarters, and the timing, payment, and amount of future dividends (if any) is subject to, among other things, the discretion of the Board and may differ significantly from past dividends. Additional information on factors that might affect the Company's financial results is included in the Company's Form 10-K for the year ended December 31, 2025, and other reports that the Company has filed with or furnished to the U.S. Securities and Exchange Commission (the SEC), all of which are available from the SEC on its website, www.sec.gov. Simmons First National Corporation







 SFNC Consolidated End of Period Balance Sheets








 For the Quarters EndedMar 31
Dec 31
Sep 30
Jun 30
Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








 ASSETS








 Cash and noninterest bearing balances due from banks$        342,603
$        380,439
$        377,604
$        398,081
$        423,171 Interest bearing balances due from banks and federal funds sold205,880
331,474
266,013
246,381
211,115     Cash and cash equivalents548,483
711,913
643,617
644,462
634,286 Interest bearing balances due from banks - time100
100
100
100
100 Investment securities - held-to-maturity-
-
-
3,591,531
3,615,556 Investment securities - available-for-sale3,152,286
3,266,221
3,319,277
2,405,320
2,491,849 Mortgage loans held for sale14,311
17,438
15,507
16,972
8,351 Assets held in trading accounts14,543
11,685
12,695
-
- Loans:








 Loans17,932,883
17,492,179
17,188,817
17,111,096
17,094,078 Allowance for credit losses on loans(229,908)
(224,377)
(258,006)
(253,537)
(252,168) Net loans17,702,975
17,267,802
16,930,811
16,857,559
16,841,910 Premises and equipment557,873
561,220
568,343
573,160
573,616 Foreclosed assets and other real estate owned12,475
12,009
6,386
8,794
8,976 Interest receivable101,557
104,062
104,383
120,443
117,398 Bank owned life insurance542,486
540,001
539,372
535,481
535,324 Goodwill1,320,799
1,320,799
1,320,799
1,320,799
1,320,799 Other intangible assets81,325
84,423
87,520
90,617
93,714 Other assets643,570
643,204
659,352
528,382
551,112 Total assets$   24,692,783
$   24,540,877
$   24,208,162
$   26,693,620
$   26,792,991









 LIABILITIES AND STOCKHOLDERS' EQUITY








 Deposits:








 Noninterest bearing transaction accounts$     4,289,697
$     4,330,211
$     4,377,232
$     4,468,237
$     4,455,255 Interest bearing transaction accounts and savings deposits11,311,979
11,141,169
10,932,914
11,176,791
11,265,554 Time deposits4,601,107
4,712,658
4,527,587
6,179,962
5,963,811         Total deposits20,202,783
20,184,038
19,837,733
21,824,990
21,684,620 Federal funds purchased and securities sold








 under agreements to repurchase8,708
21,383
22,348
31,306
50,133 Other borrowings446,756
302,253
18,832
634,349
884,863 Subordinated notes and debentures315,700
317,714
648,976
366,369
366,331 Accrued interest and other liabilities281,102
296,249
326,310
287,396
275,559 Total liabilities21,255,049
21,121,637
20,854,199
23,144,410
23,261,506









 Stockholders' equity:








 Common stock1,451
1,448
1,447
1,260
1,259 Surplus2,848,952
2,846,581
2,848,977
2,518,286
2,515,372 Undivided profits901,696
864,341
817,022
1,410,564
1,382,564 Accumulated other comprehensive (loss) income(314,365)
(293,130)
(313,483)
(380,900)
(367,710) Total stockholders' equity3,437,734
3,419,240
3,353,963
3,549,210
3,531,485 Total liabilities and stockholders' equity$   24,692,783
$   24,540,877
$   24,208,162
$   26,693,620
$   26,792,991  Simmons First National Corporation







 SFNC Consolidated Statements of Income - Quarter-to-Date








 For the Quarters EndedMar 31
Dec 31
Sep 30
Jun 30
Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands, except per share data)








 INTEREST INCOME








    Loans (including fees)$    267,287
$    270,868
$    269,210
$   265,373
$   257,755    Interest bearing balances due from banks and federal funds sold2,320
2,485
6,421
2,531
2,703    Investment securities31,882
33,833
37,464
46,898
47,257    Mortgage loans held for sale203
227
229
221
122    Assets held in trading accounts122
118
99
-
-            TOTAL INTEREST INCOME301,814
307,531
313,423
315,023
307,837 INTEREST EXPENSE








    Time deposits39,949
41,989
49,064
57,231
62,559    Other deposits57,653
60,516
67,546
69,108
67,895    Federal funds purchased and securities








      sold under agreements to repurchase36
57
72
59
113    Other borrowings1,746
2,138
2,957
10,613
7,714    Subordinated notes and debentures5,262
5,535
7,123
6,188
6,134            TOTAL INTEREST EXPENSE104,646
110,235
126,762
143,199
144,415 NET INTEREST INCOME197,168
197,296
186,661
171,824
163,422 PROVISION FOR CREDIT LOSSES








    Provision for credit losses on loans14,622
15,116
15,180
11,945
26,797    Provision for credit losses on investment securities - HTM-
-
(3,214)
-
-            TOTAL PROVISION FOR CREDIT LOSSES14,622
15,116
11,966
11,945
26,797 NET INTEREST INCOME AFTER PROVISION








    FOR CREDIT LOSSES182,546
182,180
174,695
159,879
136,625 NONINTEREST INCOME








    Service charges on deposit accounts12,656
12,669
13,045
12,588
12,635    Debit and credit card fees8,503
8,660
8,478
8,567
8,446    Wealth management fees10,533
10,337
9,965
9,464
9,629    Mortgage lending income1,854
2,232
2,259
1,687
2,013    Bank owned life insurance income4,218
3,942
3,943
3,890
4,092    Other service charges and fees (includes insurance income)1,606
1,503
1,474
1,321
1,333    Gain (loss) on sale of securities-
-
(801,492)
-
-    Other income4,827
12,365
6,141
4,837
8,007            TOTAL NONINTEREST INCOME44,197
51,708
(756,187)
42,354
46,155 NONINTEREST EXPENSE








    Salaries and employee benefits75,885
72,924
76,249
73,862
74,824    Occupancy expense, net12,218
11,636
12,106
11,844
12,651    Furniture and equipment expense5,423
5,304
5,275
5,474
5,465    Other real estate and foreclosure expense315
432
200
216
198    Deposit insurance2,295
4,736
5,175
4,917
5,391    Other operating expenses44,537
44,830
43,027
42,276
46,051            TOTAL NONINTEREST EXPENSE140,673
139,862
142,032
138,589
144,580 NET INCOME (LOSS) BEFORE INCOME TAXES86,070
94,026
(723,524)
63,644
38,200    Provision for income taxes17,526
15,948
(160,732)
8,871
5,812 NET INCOME (LOSS)$      68,544
$      78,078
$  (562,792)
$     54,773
$     32,388 BASIC EARNINGS PER SHARE$          0.47
$          0.54
$        (4.01)
$         0.43
$         0.26 DILUTED EARNINGS PER SHARE$          0.47
$          0.54
$        (4.00)
$         0.43
$         0.26  Simmons First National Corporation






 SFNC Consolidated Risk-Based Capital








 For the Quarters EndedMar 31
Dec 31
Sep 30
Jun 30
Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








Tier 1 capital








   Stockholders' equity$     3,437,734
$     3,419,240
$     3,353,963
$     3,549,210
$     3,531,485   Disallowed intangible assets, net of deferred tax(1,370,562)
(1,374,839)
(1,376,255)
(1,379,104)
(1,381,953)   Unrealized loss (gain) on AFS securities314,365
293,130
313,483
380,900
367,710      Total Tier 1 capital2,381,537
2,337,531
2,291,191
2,551,006
2,517,242









Tier 2 capital








   Subordinated notes and debentures315,700
317,714
648,976
366,369
366,331   Subordinated debt phase out-
-
(198,000)
(198,000)
(132,000)   Qualifying allowance for loan losses and








      reserve for unfunded commitments255,537
250,006
248,710
258,079
257,769      Total Tier 2 capital571,237
567,720
699,686
426,448
492,100      Total risk-based capital$     2,952,774
$     2,905,251
$     2,990,877
$     2,977,454
$     3,009,342









Risk weighted assets$   20,565,445
$   20,106,493
$   19,861,879
$   20,646,324
$   20,621,540









Adjusted average assets for leverage ratio$   23,487,513
$   23,224,638
$   23,963,356
$   25,606,135
$   25,619,424









Ratios at end of quarter








   Equity to assets13.92 %
13.93 %
13.85 %
13.30 %
13.18 %   Tangible common equity to tangible assets (1)8.74 %
8.71 %
8.53 %
8.46 %
8.34 %   Common equity Tier 1 ratio (CET1)11.58 %
11.63 %
11.54 %
12.36 %
12.21 %   Tier 1 leverage ratio10.14 %
10.06 %
9.56 %
9.96 %
9.83 %   Tier 1 risk-based capital ratio11.58 %
11.63 %
11.54 %
12.36 %
12.21 %   Total risk-based capital ratio14.36 %
14.45 %
15.07 %
14.42 %
14.59 %
(1) Calculations of tangible common equity to tangible assets and the reconciliations to GAAP are included in the schedules accompanying this release.  Simmons First National Corporation






 SFNC Consolidated Investment Securities








 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








Investment Securities - End of Period








 Held-to-Maturity








    U.S. Government agencies$                -
$                -
$                -
$      457,228
$      456,545    Mortgage-backed securities-
-
-
1,024,313
1,048,170    State and political subdivisions-
-
-
1,855,614
1,856,905    Other securities-
-
-
254,376
253,936       Total held-to-maturity (net of credit losses)-
-
-
3,591,531
3,615,556 Available-for-Sale








    U.S. Treasury$                -
$                -
$                -
$             400
$             699    U.S. Government agencies46,329
47,172
48,355
49,498
52,318    Mortgage-backed securities2,128,732
2,201,958
2,249,593
1,349,991
1,380,913    State and political subdivisions838,880
859,071
845,371
807,842
832,898    Other securities138,345
158,020
175,958
197,589
225,021       Total available-for-sale (net of credit losses)3,152,286
3,266,221
3,319,277
2,405,320
2,491,849       Total investment securities (net of credit losses)$   3,152,286
$   3,266,221
$   3,319,277
$   5,996,851
$   6,107,405       Fair value - HTM investment securities$                  -
$                  -
$                  -
$   2,891,974
$   2,929,625  Simmons First National Corporation






 SFNC Consolidated Loans








 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








Loan Portfolio - End of Period








 Consumer:








    Credit cards$        172,610
$        175,760
$        173,020
$        176,166
$        179,680    Other consumer96,387
115,472
112,335
123,831
97,198 Total consumer268,997
291,232
285,355
299,997
276,878 Real Estate:








    Construction2,621,859
2,873,807
2,874,823
2,784,578
2,778,245    Single-family residential2,566,162
2,607,450
2,617,849
2,625,717
2,647,451    Other commercial real estate8,764,648
8,289,968
7,875,649
7,961,412
8,051,304 Total real estate13,952,669
13,771,225
13,368,321
13,371,707
13,477,000 Commercial:








    Commercial2,521,440
2,382,339
2,397,388
2,440,507
2,372,681    Agricultural333,508
306,300
353,181
333,078
264,469 Total commercial2,854,948
2,688,639
2,750,569
2,773,585
2,637,150 Other856,269
741,083
784,572
665,807
703,050       Total loans$   17,932,883
$   17,492,179
$   17,188,817
$   17,111,096
$   17,094,078  Simmons First National Corporation







 SFNC Consolidated Allowance and Asset Quality








 For the Quarters EndedMar 31
Dec 31
Sep 30
Jun 30
Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








Allowance for Credit Losses on Loans








 Beginning balance$     224,377
$     258,006
$     253,537
$     252,168
$     235,019









 Loans charged off:








    Credit cards1,677
1,346
1,862
1,702
1,460    Other consumer590
550
600
351
1,133    Real estate6,629
25,850
1,350
1,450
4,425    Commercial1,666
22,004
8,079
8,257
4,243       Total loans charged off10,562
49,750
11,891
11,760
11,261









 Recoveries of loans previously charged off:








    Credit cards468
347
257
334
211    Other consumer301
163
303
294
306    Real estate449
105
115
87
99    Commercial253
390
505
469
997       Total recoveries1,471
1,005
1,180
1,184
1,613    Net loans charged off9,091
48,745
10,711
10,576
9,648 Provision for credit losses on loans14,622
15,116
15,180
11,945
26,797 Balance, end of quarter$     229,908
$     224,377
$     258,006
$     253,537
$     252,168









Nonperforming assets








 Nonperforming loans:








    Nonaccrual loans$     141,233
$     111,791
$     153,516
$     156,453
$     151,897    Loans past due 90 days or more647
948
423
709
494       Total nonperforming loans141,880
112,739
153,939
157,162
152,391 Other nonperforming assets:








   Foreclosed assets and other real estate owned12,475
12,009
6,386
8,794
8,976    Other nonperforming assets181
323
392
759
978       Total other nonperforming assets12,656
12,332
6,778
9,553
9,954          Total nonperforming assets$     154,536
$     125,071
$     160,717
$     166,715
$     162,345









Ratios








 Allowance for credit losses on loans to total loans1.28 %
1.28 %
1.50 %
1.48 %
1.48 % Allowance for credit losses to nonperforming loans162 %
199 %
168 %
161 %
165 % Nonperforming loans to total loans0.79 %
0.64 %
0.90 %
0.92 %
0.89 % Nonperforming assets to total assets0.63 %
0.51 %
0.66 %
0.62 %
0.61 % Annualized net charge offs to average loans (QTD)0.21 %
1.12 %
0.25 %
0.25 %
0.23 % Annualized net charge offs to average loans (YTD)0.21 %
0.47 %
0.24 %
0.24 %
0.23 % Annualized net credit card charge offs to








   average credit card loans (QTD)2.81 %
2.23 %
3.64 %
2.99 %
2.72 %  Simmons First National Corporation














 SFNC
 Consolidated - Average Balance Sheet and Net Interest Income Analysis












 For the Quarters Ended

















 (Unaudited)


















 Three Months Ended
Mar 2026
 Three Months Ended
Dec 2025
 Three Months Ended
Mar 2025
 ($ in thousands)Average
Balance
Income/
Expense
Yield/
Rate
Average
Balance
Income/
Expense
Yield/
Rate
Average
Balance
Income/
Expense
Yield/
Rate
ASSETS

















Earning assets:

















   Interest bearing balances due from banks

















     and federal funds sold$        251,620
$       2,320
3.74 %
$        232,046
$      2,485
4.25 %
$        241,021
$      2,703
4.55 %
   Investment securities - taxable2,408,546
26,311
4.43 %
2,490,444
28,235
4.50 %
3,540,559
31,584
3.62 %
   Investment securities - non-taxable (FTE)820,278
7,542
3.73 %
810,597
7,578
3.71 %
2,608,070
21,217
3.30 %
   Mortgage loans held for sale13,800
203
5.97 %
15,738
227
5.72 %
8,142
122
6.08 %
   Assets held in trading accounts13,748
122
3.60 %
12,534
118
3.74 %
-
-
0.00 %
   Loans - including fees (FTE)17,658,807
268,328
6.16 %
17,295,415
271,778
6.23 %
16,920,050
258,625
6.20 %
      Total interest earning assets (FTE)21,166,799
304,826
5.84 %
20,856,774
310,421
5.90 %
23,317,842
314,251
5.47 %
   Non-earning assets3,366,206




3,397,673




3,360,786




     Total assets$   24,533,005




$   24,254,447




$   26,678,628























LIABILITIES AND STOCKHOLDERS' EQUITY
















Interest bearing liabilities:

















   Interest bearing transaction and

















     savings accounts$   11,328,148
$     57,653
2.06 %
$   10,971,959
$    60,516
2.19 %
$   11,177,550
$    67,895
2.46 %
   Time deposits4,678,058
39,949
3.46 %
4,573,502
41,989
3.64 %
6,160,429
62,559
4.12 %
      Total interest bearing deposits16,006,206
97,602
2.47 %
15,545,461
102,505
2.62 %
17,337,979
130,454
3.05 %
   Federal funds purchased and securities

















     sold under agreement to repurchase17,743
36
0.82 %
20,990
57
1.08 %
39,797
113
1.15 %
   Other borrowings192,345
1,746
3.68 %
217,996
2,138
3.89 %
706,402
7,714
4.43 %
   Subordinated notes and debentures318,635
5,262
6.70 %
319,162
5,535
6.88 %
366,312
6,134
6.79 %
      Total interest bearing liabilities16,534,929
104,646
2.57 %
16,103,609
110,235
2.72 %
18,450,490
144,415
3.17 %
Noninterest bearing liabilities:

















   Noninterest bearing deposits4,229,952




4,412,009




4,342,948




   Other liabilities297,864




328,812




320,721




      Total liabilities21,062,745




20,844,430




23,114,159




Stockholders' equity3,470,260




3,410,017




3,564,469




      Total liabilities and stockholders' equity$   24,533,005




$   24,254,447




$   26,678,628




Net interest income (FTE)

$   200,180




$  200,186




$  169,836


Net interest spread (FTE)



3.27 %




3.18 %




2.30 %
Net interest margin (FTE)



3.84 %




3.81 %




2.95 %
  Simmons First National Corporation







 SFNC Consolidated - Selected Financial Data








 For the Quarters EndedMar 31
Dec 31
Sep 30
Jun 30
Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands, except share data)








QUARTER-TO-DATE








Financial Highlights - As Reported








Net Income (loss)$          68,544
$          78,078
$      (562,792)
$          54,773
$          32,388Diluted earnings per share0.47
0.54
(4.00)
0.43
0.26Return on average assets1.13 %
1.28 %
-8.96 %
0.82 %
0.49 %Return on average tangible assets (non-GAAP) (1)1.24 %
1.40 %
-9.46 %
0.91 %
0.56 %Return on average common equity8.01 %
9.08 %
-66.29 %
6.20 %
3.69 %Return on tangible common equity (non-GAAP) (1)13.90 %
15.92 %
-113.56 %
10.73 %
6.61 %Net interest margin (FTE)3.84 %
3.81 %
3.50 %
3.06 %
2.95 %Efficiency ratio (2)57.56 %
55.52 %
-25.11 %
62.82 %
66.94 %FTE adjustment3,012
2,890
3,811
6,422
6,414Average diluted shares outstanding145,340,410
145,210,222
140,648,704
126,406,453
126,336,557Cash dividends declared per common share0.215
0.213
0.213
0.213
0.213Accretable yield on acquired loans902
749
725
1,263
1,084Financial Highlights - Adjusted (non-GAAP) (1)








Adjusted earnings$          68,566
$          78,975
$          64,930
$          56,071
$          33,122Adjusted diluted earnings per share0.47
0.54
0.46
0.44
0.26Adjusted return on average assets1.13 %
1.29 %
1.03 %
0.84 %
0.50 %Adjusted return on average tangible assets (non-GAAP) (1)1.24 %
1.41 %
1.13 %
0.93 %
0.57 %Adjusted return on average common equity8.01 %
9.19 %
7.65 %
6.34 %
3.77 %Adjusted return on tangible common equity13.91 %
16.10 %
13.62 %
10.97 %
6.75 %Adjusted efficiency ratio (2)56.16 %
53.64 %
57.72 %
60.52 %
64.75 %YEAR-TO-DATE








Financial Highlights - GAAP








Net Income (loss)$          68,544
$      (397,553)
$      (475,631)
$          87,161
$          32,388Diluted earnings per share0.47
(2.95)
(3.63)
0.69
0.26Return on average assets1.13 %
-1.55 %
-2.44 %
0.66 %
0.49 %Return on average tangible assets (non-GAAP) (1)1.24 %
-1.60 %
-2.54 %
0.74 %
0.56 %Return on average common equity8.01 %
-11.45 %
-18.21 %
4.94 %
3.69 %Return on tangible common equity (non-GAAP) (1)13.90 %
-18.84 %
-30.13 %
8.67 %
6.61 %Net interest margin (FTE)3.84 %
3.32 %
3.17 %
3.01 %
2.95 %Efficiency ratio (2)57.56 %
460.26 %
-329.30 %
64.86 %
66.94 %FTE adjustment3,012
19,537
16,647
12,836
6,414Average diluted shares outstanding145,340,410
134,731,180
131,132,891
126,325,650
126,336,557Cash dividends declared per common share0.215
0.850
0.638
0.425
0.213Financial Highlights - Adjusted (non-GAAP) (1)








Adjusted earnings$          68,566
$        233,098
$        154,123
$          89,193
$          33,122Adjusted diluted earnings per share0.47
1.73
1.18
0.71
0.26Adjusted return on average assets1.13 %
0.91 %
0.79 %
0.67 %
0.50 %Adjusted return on average tangible assets (non-GAAP) (1)1.24 %
1.00 %
0.87 %
0.75 %
0.57 %Adjusted return on average common equity8.01 %
6.71 %
5.90 %
5.06 %
3.77 %Adjusted return on tangible common equity13.91 %
11.78 %
10.37 %
8.86 %
6.75 %Adjusted efficiency ratio (2)56.16 %
58.92 %
60.90 %
62.62 %
64.75 %END OF PERIOD








Book value per share$            23.70
$            23.62
$            23.18
$            28.17
$            28.04Tangible book value per share14.03
13.91
13.45
16.97
16.81Shares outstanding145,058,331
144,762,817
144,703,075
125,996,248
125,926,822Full-time equivalent employees2,913
2,917
2,883
2,947
2,949Total number of financial centers221
222
223
223
222
(1) Non-GAAP measurement that management believes aids in the understanding and discussion of results. Reconciliations to GAAP are
included in the schedules accompanying this release.(2) Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent) and noninterest revenues. Adjusted efficiency ratio is noninterest expense before foreclosed property expense, amortization of intangibles and certain adjusting
items as a percent of net interest income (fully taxable equivalent) and noninterest revenues, excluding gains and losses from
securities transactions and certain adjusting items, and is a non-GAAP measurement.
  Simmons First National Corporation







 SFNC Reconciliation Of Non-GAAP Financial Measures - Adjusted Earnings - Quarter-to-Date



 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31 (Unaudited)2026
2025
2025
2025
2025 (in thousands, except per share data)








QUARTER-TO-DATE








 Net income (loss)$        68,544
$        78,078
$    (562,792)
$        54,773
$        32,388Certain items (non-GAAP)








Loss on early extinguishment of debt-
-
570
-
-FDIC Deposit Insurance special assessment(1,984)
-
-
-
-Professional services1,200
-
-
-
-Early retirement program283
-
305
1,594
-Termination of vendor and software services-
12
-
-
-Loss on sale of Equipment Finance business-
1,118
-
-
-Loss (gain) on sale of securities-
-
801,492
-
-Branch right sizing (net)531
85
2,004
163
994Tax effect of certain items (1)(8)
(318)
(176,649)
(459)
(260)    Certain items, net of tax22
897
627,722
1,298
734Adjusted earnings (non-GAAP) (2)$        68,566
$        78,975
$        64,930
$        56,071
$        33,122









 Diluted earnings per share$            0.47
$            0.54
$          (4.00)
$            0.43
$            0.26Certain items (non-GAAP)








Loss on early extinguishment of debt-
-
-
-
-FDIC Deposit Insurance special assessment(0.01)
-
-
-
-Professional services0.01
-
-
-
-Early retirement program-
-
-
0.01
-Termination of vendor and software services-
-
-
-
-Loss on sale of Equipment Finance business-
0.01
-
-
-Loss (gain) on sale of securities-
-
5.70
-
-Branch right sizing (net)-
-
0.01
-
-Tax effect of certain items (1)-
(0.01)
(1.25)
-
-    Certain items, net of tax-
-
4.46
0.01
- Adjusted diluted earnings per share (non-GAAP)$            0.47
$            0.54
$            0.46
$            0.44
$            0.26









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



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













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

















QUARTER-TO-DATE








    Noninterest income$        44,197
$        51,708
$    (756,187)
$        42,354
$        46,155Certain noninterest income items








Loss on early extinguishment of debt-
-
570
-
-Loss (gain) on sale of securities-
-
801,492
-
-    Adjusted noninterest income (non-GAAP)$        44,197
$        51,708
$        45,875
$        42,354
$        46,155









    Other income$          4,827
$        12,365
$          6,141
$          4,837
$          8,007Certain other income items








Loss on early extinguishment of debt-
-
570
-
-    Adjusted other income (non-GAAP)$          4,827
$        12,365
$          6,711
$          4,837
$          8,007









    Noninterest expense$      140,673
$      139,862
$      142,032
$      138,589
$      144,580Certain noninterest expense items








Early retirement program(283)
-
(305)
(1,594)
-FDIC Deposit Insurance special assessment1,984
-
-
-
-Professional services(1,200)
-
-
-
-Termination of vendor and software services-
(12)
-
-
-Loss on sale of Equipment Finance business-
(1,118)
-
-
-Branch right sizing expense(531)
(85)
(2,004)
(163)
(994)    Adjusted noninterest expense (non-GAAP)140,643
138,647
139,723
136,832
143,586 Less: Fraud event-
-
-
-
(4,300)    Adjusted noninterest expense, excluding fraud event (non-GAAP)$      140,643
$      138,647
$      139,723
$      136,832
$      139,286









    Salaries and employee benefits$        75,885
$        72,924
$        76,249
$        73,862
$        74,824Certain salaries and employee benefits items








Early retirement program(283)
-
(305)
(1,594)
-Other-
-
(1)
1
-    Adjusted salaries and employee benefits (non-GAAP)$        75,602
$        72,924
$        75,943
$        72,269
$        74,824









    Other operating expenses$        44,537
$        44,830
$        43,027
$        42,276
$        46,051Certain other operating expenses items








Professional services(1,200)
-
-
-
-Termination of vendor and software services-
(12)
-
-
-Loss on sale of Equipment Finance business-
(1,118)
-
-
-Branch right sizing expense(205)
327
(1,556)
255
(161)    Adjusted other operating expenses (non-GAAP)$        43,132
$        44,027
$        41,471
$        42,531
$        45,890  Simmons First National Corporation







 SFNC Reconciliation Of Non-GAAP Financial Measures - Adjusted Earnings - Year-to-Date



 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31 (Unaudited)2026
2025
2025
2025
2025 (in thousands, except per share data)








YEAR-TO-DATE








 Net income (loss)$        68,544
$    (397,553)
$    (475,631)
$        87,161
$        32,388Certain items (non-GAAP)








Loss on early extinguishment of debt-
570
570
-
-FDIC Deposit Insurance special assessment(1,984)
-
-
-
-Professional services1,200
-
-
-
-Early retirement program283
1,899
1,899
1,594
-Termination of vendor and software services-
12
-
-
-Loss on sale of Equipment Finance business-
1,118
-
-
-Loss (gain) on sale of securities-
801,492
801,492
-
-Branch right sizing (net)531
3,246
3,161
1,157
994Tax effect of certain items (1)(8)
(177,686)
(177,368)
(719)
(260)    Certain items, net of tax22
630,651
629,754
2,032
734Adjusted earnings (non-GAAP) (2)$        68,566
$      233,098
$      154,123
$        89,193
$        33,122









 Diluted earnings per share$            0.47
$          (2.95)
$          (3.63)
$            0.69
$            0.26Certain items (non-GAAP)








Loss on early extinguishment of debt-
0.01
-
-
-FDIC Deposit Insurance special assessment(0.01)
-
-
-
-Professional services0.01
-
-
-
-Early retirement program-
0.01
0.02
0.01
-Termination of vendor and software services-
-
-
-
-Loss on sale of Equipment Finance business-
0.01
-
-
-Loss (gain) on sale of securities-
5.95
6.11
-
-Branch right sizing (net)-
0.02
0.02
0.01
-Tax effect of certain items (1)-
(1.32)
(1.34)
-
-    Certain items, net of tax-
4.68
4.81
0.02
- Adjusted diluted earnings per share (non-GAAP)$            0.47
$            1.73
$            1.18
$            0.71
$            0.26









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



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













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

















YEAR-TO-DATE








    Noninterest income$        44,197
$    (615,970)
$    (667,678)
$        88,509
$        46,155Certain noninterest income items








Loss on early extinguishment of debt-
570
570
-
-Loss (gain) on sale of securities-
801,492
801,492
-
-    Adjusted noninterest income (non-GAAP)$        44,197
$      186,092
$      134,384
$        88,509
$        46,155









    Other income$          4,827
$        31,350
$        18,985
$        12,844
$          8,007Certain other income items








Loss on early extinguishment of debt-
570
570
-
-    Adjusted other income (non-GAAP)$          4,827
$        31,920
$        19,555
$        12,844
$          8,007









    Noninterest expense$      140,673
$      565,063
$      425,201
$      283,169
$      144,580Certain noninterest expense items








Early retirement program(283)
(1,899)
(1,899)
(1,594)
-FDIC Deposit Insurance special assessment1,984
-
-
-
-Professional services(1,200)
-
-
-
-Termination of vendor and software services-
(12)
-
-
-Loss on sale of Equipment Finance business-
(1,118)
-
-
-Branch right sizing expense(531)
(3,246)
(3,161)
(1,157)
(994)    Adjusted noninterest expense (non-GAAP)140,643
558,788
420,141
280,418
143,586 Less: Fraud event-
(4,300)
(4,300)
(4,300)
(4,300)    Adjusted noninterest expense, excluding fraud event (non-GAAP)$      140,643
$      554,488
$      415,841
$      276,118
$      139,286









    Salaries and employee benefits$        75,885
$      297,859
$      224,935
$      148,686
$        74,824Certain salaries and employee benefits items








Early retirement program(283)
(1,899)
(1,899)
(1,594)
-Other-
-
-
1
-    Adjusted salaries and employee benefits (non-GAAP)$        75,602
$      295,960
$      223,036
$      147,093
$        74,824









    Other operating expenses$        44,537
$      176,184
$      131,354
$        88,327
$        46,051Certain other operating expenses items








Professional services(1,200)
-
-
-
-Termination of vendor and software services-
(12)
-
-
-Loss on sale of Equipment Finance business-
(1,118)
-
-
-Branch right sizing expense(205)
(1,135)
(1,462)
94
(161)    Adjusted other operating expenses (non-GAAP)$        43,132
$      173,919
$      129,892
$        88,421
$        45,890 Simmons First National Corporation







 SFNC
 Reconciliation Of Non-GAAP Financial Measures - End of Period








 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31
 (Unaudited)2026
2025
2025
2025
2025
($ in thousands, except per share data)




















Calculation of Tangible Common Equity and the Ratio of Tangible Common Equity to Tangible Assets















Total common stockholders' equity$     3,437,734
$     3,419,240
$     3,353,963
$     3,549,210
$     3,531,485
Intangible assets:









   Goodwill(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
   Other intangible assets(81,325)
(84,423)
(87,520)
(90,617)
(93,714)
Total intangibles(1,402,124)
(1,405,222)
(1,408,319)
(1,411,416)
(1,414,513)
Tangible common stockholders' equity$     2,035,610
$     2,014,018
$     1,945,644
$     2,137,794
$     2,116,972











Total assets$   24,692,783
$   24,540,877
$   24,208,162
$   26,693,620
$   26,792,991
Intangible assets:









   Goodwill(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
   Other intangible assets(81,325)
(84,423)
(87,520)
(90,617)
(93,714)
Total intangibles(1,402,124)
(1,405,222)
(1,408,319)
(1,411,416)
(1,414,513)
Tangible assets$   23,290,659
$   23,135,655
$   22,799,843
$   25,282,204
$   25,378,478











Ratio of common equity to assets13.92 %
13.93 %
13.85 %
13.30 %
13.18 %
Ratio of tangible common equity to tangible assets8.74 %
8.71 %
8.53 %
8.46 %
8.34 %











Calculation of Tangible Book Value per Share




















Total common stockholders' equity$     3,437,734
$     3,419,240
$     3,353,963
$     3,549,210
$     3,531,485
Intangible assets:









   Goodwill(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
   Other intangible assets(81,325)
(84,423)
(87,520)
(90,617)
(93,714)
Total intangibles(1,402,124)
(1,405,222)
(1,408,319)
(1,411,416)
(1,414,513)
Tangible common stockholders' equity$     2,035,610
$     2,014,018
$     1,945,644
$     2,137,794
$     2,116,972
Shares of common stock outstanding145,058,331
144,762,817
144,703,075
125,996,248
125,926,822
Book value per common share$            23.70
$            23.62
$            23.18
$            28.17
$            28.04
Tangible book value per common share$            14.03
$            13.91
$            13.45
$            16.97
$            16.81











Calculation of Coverage Ratio of Uninsured, Non-Collateralized Deposits



















Uninsured deposits at Simmons Bank$     7,385,688
$     9,640,677
$     9,565,766
$     8,407,847
$     8,614,833
Less: Collateralized deposits (excluding portion that is FDIC insured)2,509,728
2,363,327
2,169,362
2,691,215
3,005,328
Less: Intercompany eliminations432,795
2,729,191
2,937,147
1,121,932
1,073,500
Total uninsured, non-collateralized deposits$     4,443,165
$     4,548,159
$     4,459,257
$     4,594,700
$     4,536,005











FHLB borrowing availability$     5,831,000
$     5,999,000
$     6,134,000
$     5,133,000
$     4,432,000
Unpledged securities1,571,000
1,480,000
1,575,000
3,697,000
4,197,000
Fed funds lines, Fed discount window and









  Bank Term Funding Program (1)1,595,000
1,836,000
1,824,000
1,894,000
1,780,000
Additional liquidity sources$     8,997,000
$     9,315,000
$     9,533,000
$   10,724,000
$   10,409,000











Uninsured, non-collateralized deposit coverage ratio2.0
2.0
2.1
2.3
2.3

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







 SFNC Reconciliation Of Non-GAAP Financial Measures - Quarter-to-Date







 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








Calculation of Adjusted Return on Average Assets & Average Tangible Assets

















Net income (loss)$             68,544
$             78,078
$          (562,792)
$             54,773
$             32,388Amortization of intangibles, net of taxes2,288
2,288
2,287
2,289
2,605Total adjusted tangible net income (non-GAAP)$             70,832
$             80,366
$          (560,505)
$             57,062
$             34,993Certain items (non-GAAP)








Loss on early extinguishment of debt-
-
570
-
-FDIC Deposit Insurance special assessment(1,984)
-
-
-
-Professional services1,200
-
-
-
-Early retirement program283
-
305
1,594
-Termination of vendor and software services-
12
-
-
-Loss on sale of Equipment Finance business-
1,118
-
-
-Loss (gain) on sale of securities-
-
801,492
-
-Branch right sizing (net)531
85
2,004
163
994Tax effect of certain items (1)(8)
(318)
(176,649)
(459)
(260)Adjusted earnings (non-GAAP)68,566
78,975
64,930
56,071
33,122Amortization of intangibles, net of taxes2,288
2,288
2,287
2,289
2,605Total adjusted tangible net income (non-GAAP)$             70,854
$             81,263
$             67,217
$             58,360
$             35,727









Average total assets$      24,533,005
$      24,254,447
$      24,914,922
$      26,645,131
$      26,678,628Average intangible assets:








   Goodwill(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)   Other intangibles(83,248)
(86,206)
(89,349)
(92,432)
(95,787)Total average intangibles(1,404,047)
(1,407,005)
(1,410,148)
(1,413,231)
(1,416,586)Average tangible assets (non-GAAP)$      23,128,958
$      22,847,442
$      23,504,774
$      25,231,900
$      25,262,042









Return on average assets1.13 %
1.28 %
-8.96 %
0.82 %
0.49 %Adjusted return on average assets (non-GAAP)1.13 %
1.29 %
1.03 %
0.84 %
0.50 %Return on average tangible assets (non-GAAP)1.24 %
1.40 %
-9.46 %
0.91 %
0.56 %Adjusted return on average tangible assets (non-GAAP)1.24 %
1.41 %
1.13 %
0.93 %
0.57 %









Calculation of Return on Tangible Common Equity


















Net income (loss)  available to common stockholders$             68,544
$             78,078
$          (562,792)
$             54,773
$             32,388Amortization of intangibles, net of taxes2,288
2,288
2,287
2,289
2,605Total income available to common stockholders$             70,832
$             80,366
$          (560,505)
$             57,062
$             34,993Certain items (non-GAAP)








Loss on early extinguishment of debt-
-
570
-
-FDIC Deposit Insurance special assessment(1,984)
-
-
-
-Professional services1,200
-
-
-
-Early retirement program283
-
305
1,594
-Termination of vendor and software services-
12
-
-
-Loss on sale of Equipment Finance business-
1,118
-
-
-Loss (gain) on sale of securities-
-
801,492
-
-Branch right sizing (net)531
85
2,004
163
994Tax effect of certain items (1)(8)
(318)
(176,649)
(459)
(260)Adjusted earnings (non-GAAP)68,566
78,975
64,930
56,071
33,122Amortization of intangibles, net of taxes2,288
2,288
2,287
2,289
2,605Total adjusted earnings available to common stockholders (non-GAAP)$             70,854
$             81,263
$             67,217
$             58,360
$             35,727









Average common stockholders' equity$        3,470,260
$        3,410,017
$        3,368,308
$        3,546,163
$        3,564,469Average intangible assets:








   Goodwill(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)   Other intangibles(83,248)
(86,206)
(89,349)
(92,432)
(95,787)Total average intangibles(1,404,047)
(1,407,005)
(1,410,148)
(1,413,231)
(1,416,586)Average tangible common stockholders' equity (non-GAAP)$        2,066,213
$        2,003,012
$        1,958,160
$        2,132,932
$        2,147,883









Return on average common equity8.01 %
9.08 %
-66.29 %
6.20 %
3.69 %Return on tangible common equity13.90 %
15.92 %
-113.56 %
10.73 %
6.61 %Adjusted return on average common equity (non-GAAP)8.01 %
9.19 %
7.65 %
6.34 %
3.77 %Adjusted return on tangible common equity (non-GAAP)13.91 %
16.10 %
13.62 %
10.97 %
6.75 %
 (1) Actual tax rate of 21.946% on 2025 loss on sale of securities. Effective rate of 26.135% on all other items.  Simmons First National Corporation







 SFNC Reconciliation Of Non-GAAP Financial Measures - Quarter-to-Date (continued)





 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)


















Noninterest expense (efficiency ratio numerator)$           140,673
$           139,862
$           142,032
$           138,589
$           144,580Certain noninterest expense items (non-GAAP)








Early retirement program(283)
-
(305)
(1,594)
-FDIC Deposit Insurance special assessment1,984
-
-
-
-Professional services(1,200)
-
-
-
-Termination of vendor and software services-
(12)
-
-
-Loss on sale of Equipment Finance business-
(1,118)
-
-
-Branch right sizing expense(531)
(85)
(2,004)
(163)
(994)Other real estate and foreclosure expense adjustment(315)
(432)
(200)
(216)
(198)Amortization of intangibles adjustment(3,097)
(3,097)
(3,097)
(3,098)
(3,527)Adjusted efficiency ratio numerator$           137,231
$           135,118
$           136,426
$           133,518
$           139,861









Net interest income$           197,168
$           197,296
$           186,661
$           171,824
$           163,422Noninterest income44,197
51,708
(756,187)
42,354
46,155Fully tax-equivalent adjustment (2)3,012
2,890
3,811
6,422
6,414Efficiency ratio denominator244,377
251,894
(565,715)
220,600
215,991Certain noninterest income items (non-GAAP)








Loss on early extinguishment of debt-
-
570
-
-(Gain) loss on sale of securities-
-
801,492
-
-Adjusted efficiency ratio denominator$           244,377
$           251,894
$           236,347
$           220,600
$           215,991









Efficiency ratio (1)57.56 %
55.52 %
-25.11 %
62.82 %
66.94 %Adjusted efficiency ratio (non-GAAP) (1)56.16 %
53.64 %
57.72 %
60.52 %
64.75 %









Calculation of Total Revenue and Adjusted Total Revenue


















Net interest income$           197,168
$           197,296
$           186,661
$           171,824
$           163,422Noninterest income44,197
51,708
(756,187)
42,354
46,155Total revenue241,365
249,004
(569,526)
214,178
209,577Certain items, pre-tax (non-GAAP)








Plus: Loss on early extinguishment of debt-
-
570
-
-Less: Gain (loss) on sale of securities-
-
(801,492)
-
-Adjusted total revenue$           241,365
$           249,004
$           232,536
$           214,178
$           209,577









Calculation of Pre-Provision Net Revenue (PPNR)


















Net interest income$           197,168
$           197,296
$           186,661
$           171,824
$           163,422Noninterest income44,197
51,708
(756,187)
42,354
46,155Total revenue241,365
249,004
(569,526)
214,178
209,577Less: Noninterest expense140,673
139,862
142,032
138,589
144,580Pre-Provision Net Revenue (PPNR)$           100,692
$           109,142
$          (711,558)
$             75,589
$             64,997









Calculation of Adjusted Pre-Provision Net Revenue


















Pre-Provision Net Revenue (PPNR)$           100,692
$           109,142
$          (711,558)
$             75,589
$             64,997Certain items, pre-tax (non-GAAP)








Plus: Loss on early extinguishment of debt-
-
570
-
-Plus: Loss (gain) on sale of securities-
-
801,492
-
-Plus: FDIC Deposit Insurance special assessment(1,984)
-
-
-
-Plus: Professional services1,200
-
-
-
-Plus: Early retirement program costs283
-
305
1,594
-Plus: Termination of vendor and software services-
12
-
-
-Plus: Loss on sale of Equipment Finance business-
1,118
-
-
-Plus: Branch right sizing costs (net)531
85
2,004
163
994Adjusted Pre-Provision Net Revenue$           100,722
$           110,357
$             92,813
$             77,346
$             65,991
(1) Efficiency ratio is noninterest expense as a percent of net interest income (fully taxable equivalent} and noninterest revenues. Adjusted efficieny
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.  Simmons First National Corporation







 SFNC Reconciliation Of Non-GAAP Financial Measures - Year-to-Date







 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








Calculation of Adjusted Return on Average Assets & Average Tangible Assets

















Net income (loss)$             68,544
$          (397,553)
$          (475,631)
$             87,161
$             32,388Amortization of intangibles, net of taxes2,288
9,469
7,181
4,894
2,605Total adjusted tangible net income (non-GAAP)$             70,832
$          (388,084)
$          (468,450)
$             92,055
$             34,993Certain items (non-GAAP)








Loss on early extinguishment of debt-
570
570
-
-FDIC Deposit Insurance special assessment(1,984)
-
-
-
-Professional services1,200
-
-
-
-Early retirement program283
1,899
1,899
1,594
-Termination of vendor and software services-
12
-
-
-Loss on sale of Equipment Finance business-
1,118
-
-
-Loss (gain) on sale of securities-
801,492
801,492
-
-Branch right sizing (net)531
3,246
3,161
1,157
994Tax effect of certain items (1)(8)
(177,686)
(177,368)
(719)
(260)Adjusted earnings (non-GAAP)68,566
233,098
154,123
89,193
33,122Amortization of intangibles, net of taxes2,288
9,469
7,181
4,894
2,605Total adjusted tangible net income (non-GAAP)$             70,854
$           242,567
$           161,304
$             94,087
$             35,727









Average total assets$      24,533,005
$      25,614,700
$      26,073,100
$      26,661,787
$      26,678,628Average intangible assets:








   Goodwill(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)   Other intangibles(83,248)
(90,913)
(92,499)
(94,100)
(95,787)Total average intangibles(1,404,047)
(1,411,712)
(1,413,298)
(1,414,899)
(1,416,586)Average tangible assets (non-GAAP)$      23,128,958
$      24,202,988
$      24,659,802
$      25,246,888
$      25,262,042









Return on average assets1.13 %
-1.55 %
-2.44 %
0.66 %
0.49 %Adjusted return on average assets (non-GAAP)1.13 %
0.91 %
0.79 %
0.67 %
0.50 %Return on average tangible assets (non-GAAP)1.24 %
-1.60 %
-2.54 %
0.74 %
0.56 %Adjusted return on average tangible assets (non-GAAP)1.24 %
1.00 %
0.87 %
0.75 %
0.57 %









Calculation of Return on Tangible Common Equity


















Net income (loss)  available to common stockholders$             68,544
$          (397,553)
$          (475,631)
$             87,161
$             32,388Amortization of intangibles, net of taxes2,288
9,469
7,181
4,894
2,605Total income available to common stockholders$             70,832
$          (388,084)
$          (468,450)
$             92,055
$             34,993Certain items (non-GAAP)








Loss on early extinguishment of debt-
570
570
-
-FDIC Deposit Insurance special assessment(1,984)
-
-
-
-Professional services1,200
-
-
-
-Early retirement program283
1,899
1,899
1,594
-Termination of vendor and software services-
12
-
-
-Loss on sale of Equipment Finance business-
1,118
-
-
-Loss (gain) on sale of securities-
801,492
801,492
-
-Branch right sizing (net)531
3,246
3,161
1,157
994Tax effect of certain items (1)(8)
(177,686)
(177,368)
(719)
(260)Adjusted earnings (non-GAAP)68,566
233,098
154,123
89,193
33,122Amortization of intangibles, net of taxes2,288
9,469
7,181
4,894
2,605Total adjusted earnings available to common stockholders (non-GAAP)$             70,854
$           242,567
$           161,304
$             94,087
$             35,727









Average common stockholders' equity$        3,470,260
$        3,471,531
$        3,492,261
$        3,555,265
$        3,564,469Average intangible assets:








   Goodwill(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)
(1,320,799)   Other intangibles(83,248)
(90,913)
(92,499)
(94,100)
(95,787)Total average intangibles(1,404,047)
(1,411,712)
(1,413,298)
(1,414,899)
(1,416,586)Average tangible common stockholders' equity (non-GAAP)$        2,066,213
$        2,059,819
$        2,078,963
$        2,140,366
$        2,147,883









Return on average common equity8.01 %
-11.45 %
-18.21 %
4.94 %
3.69 %Return on tangible common equity13.90 %
-18.84 %
-30.13 %
8.67 %
6.61 %Adjusted return on average common equity (non-GAAP)8.01 %
6.71 %
5.90 %
5.06 %
3.77 %Adjusted return on tangible common equity (non-GAAP)13.91 %
11.78 %
10.37 %
8.86 %
6.75 %
 (1) Actual tax rate of 21.946% on 2025 loss on sale of securities. Effective rate of 26.135% on all other items.  Simmons First National Corporation







 SFNC Reconciliation Of Non-GAAP Financial Measures - Year-to-Date







 For the Quarters Ended Mar 31
 Dec 31
 Sep 30
 Jun 30
 Mar 31 (Unaudited)2026
2025
2025
2025
2025($ in thousands)








Calculation of Efficiency Ratio and Adjusted Efficiency Ratio (1)


















Noninterest expense (efficiency ratio numerator)$           140,673
$           565,063
$           425,201
$           283,169
$           144,580Certain noninterest expense items (non-GAAP)








Early retirement program(283)
(1,899)
(1,899)
(1,594)
-FDIC Deposit Insurance special assessment1,984
-
-
-
-Professional services(1,200)
-
-
-
-Termination of vendor and software services-
(12)
-
-
-Loss on sale of Equipment Finance business-
(1,118)
-
-
-Branch right sizing expense(531)
(3,246)
(3,161)
(1,157)
(994)Other real estate and foreclosure expense adjustment(308)
(1,046)
(614)
(414)
(198)Amortization of intangibles adjustment(3,097)
(12,819)
(9,722)
(6,625)
(3,527)Adjusted efficiency ratio numerator$           137,238
$           544,923
$           409,805
$           273,379
$           139,861









Net interest income$           197,168
$           719,203
$           521,907
$           335,246
$           163,422Noninterest income44,197
(615,970)
(667,678)
88,509
46,155Fully tax-equivalent adjustment (2)3,012
19,537
16,647
12,836
6,414Efficiency ratio denominator244,377
122,770
(129,124)
436,591
215,991Certain noninterest income items (non-GAAP)








Loss on early extinguishment of debt-
570
570
-
-(Gain) loss on sale of securities-
801,492
801,492
-
-Adjusted efficiency ratio denominator$           244,377
$           924,832
$           672,938
$           436,591
$           215,991









Efficiency ratio (1)57.56 %
460.26 %
-329.30 %
64.86 %
66.94 %Adjusted efficiency ratio (non-GAAP) (1)56.16 %
58.92 %
60.90 %
62.62 %
64.75 %

(1) 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. 



View original content to download multimedia:https://www.prnewswire.com/news-releases/simmons-first-national-corporation-reports-first-quarter-eps-of-0-47--302745163.htmlSOURCE Simmons First National Corporation

Original: Simmons First National Corporation Reports First Quarter EPS of $0.47

Simmons Bank simplifies savings with Round-Up programApril 6, 2026 9:38 AM
PR Newswire (US)

LITTLE ROCK, Ark., April 6, 2026 /PRNewswire/ -- Simmons Bank announced today its automatic savings program, Round-Up, allowed more than 25,000 customers to save more than $5.9 million during 2025. As households across the country focus on building stronger financial habits during America Saves Week, the program highlights how small, consistent actions can lead to meaningful savings over time.







This feature rounds up debit purchases to the nearest dollar and transfers the difference to a second account of the customer's choice, making it effortless to build an emergency fund.According to the Federal Reserve's recent Survey on Household Economics and Decision Making, roughly one in three Americans have no emergency savings, and only 41-43 percent can cover a $1,000 emergency expense with savings."The Simmons Bank Round-Up savings program removes the friction from saving by automating the process," said Joshua Jensen, chief deposit officer at Simmons Bank. "By rounding up debit card purchases and directing the difference into savings, customers can steadily build funds for unexpected expenses or long-term financial goals without changing their routine."Established in 2014, the Simmons Bank Round-Up program is designed to reduce the effort needed to save by automating the process when customers use their debit card to conduct a purchase. During America Saves Week, Simmons Bank encourages customers to take small steps, like enrolling in Round-Up, to create lasting financial security.For more information about Simmons Bank or the Round-Up program, visit simmonsbank.com.Simmons Bank
Simmons Bank is a wholly owned subsidiary of Simmons First National Corporation (NASDAQ: SFNC), 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 Best Regional Banks and Credit Unions 2026 and by Forbes as one of America's Best-In-State Companies 2026. In 2025, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom. 



View original content to download multimedia:https://www.prnewswire.com/news-releases/simmons-bank-simplifies-savings-with-round-up-program-302734197.htmlSOURCE Simmons Bank

Original: Simmons Bank simplifies savings with Round-Up program

Simmons First National Corporation Announces First Quarter 2026 Earnings Release Date and Conference CallMarch 24, 2026 4:30 PM
PR Newswire (US)

PINE BLUFF, Ark., March 24, 2026 /PRNewswire/ -- Simmons First National Corporation (NASDAQ: SFNC) today announced it is scheduled to release first quarter 2026 earnings after the market closing on Thursday, April 16, 2026.  Management will conduct a live conference call to review this information beginning at 7:30 a.m. Central Time on Friday, April 17. Interested parties can listen to the call by dialing toll-free 1-844-481-2779 (North America only) and asking for the Simmons First National Corporation conference call, conference ID 10207627. In addition, the call will be available live or in recorded version on our website at simmonsbank.com under the "Investor Relations" tab. The recorded version will be available for at least 60 days following the date of the call.







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



View original content to download multimedia:https://www.prnewswire.com/news-releases/simmons-first-national-corporation-announces-first-quarter-2026-earnings-release-date-and-conference-call-302722355.htmlSOURCE Simmons First National Corporation

Original: Simmons First National Corporation Announces First Quarter 2026 Earnings Release Date and Conference Call

Simmons Bank Promotes Laura Condley to Lead Private Banking in Texas, OklahomaMarch 2, 2026 12:00 PM
PR Newswire (US)

LITTLE ROCK, Ark., March 2, 2026 /PRNewswire/ -- Simmons Bank announced the promotion of Laura Condley to private banking market executive. In her new position, Condley will oversee all private banking activities in the Oklahoma and Texas markets.







"Laura's promotion to Private Banking Market Executive is a well-deserved recognition for her leadership, expertise and commitment to serving our clients at the highest level," said John Martelle, senior vice president of private banking for Simmons Bank. "She has played a key role in strengthening our private banking presence, and I'm confident she will continue to drive meaningful growth across Oklahoma and Texas."Condley started her banking career at Simmons Bank as a market retail manager. Throughout her successful journey with the bank, she advanced to roles such as director of market development and community regional executive. She is an active member of her community and is involved in several organizations including Accelerate Fort Worth Foundation, TechFW, First Tee - Fort Worth, Fort Worth Hispanic Chamber of Commerce, The Yellow Rose Gala Foundation, The Scott Murray Scholarship Foundation, and The Davey O'Brien Foundation.About Simmons Bank
Simmons Bank is a wholly owned subsidiary of Simmons First National Corporation (NASDAQ: SFNC), a Mid-South based financial holding company that has paid cash dividends for 117 consecutive years. Simmons Bank operates more than 220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank o?ers comprehensive financial solutions delivered with a client-centric approach. Recently, Simmons Bank was recognized by Newsweek as one of America's Best Regional Banks and Credit Unions 2026 and by Forbes as one of America's Best-In-State Companies 2026. In 2025, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom.










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Original: Simmons Bank Promotes Laura Condley to Lead Private Banking in Texas, Oklahoma

Simmons First National Corporation Declares $0.215 Per Share DividendFebruary 24, 2026 4:30 PM
PR Newswire (US)

2026 marks the 117th consecutive year Simmons has paid a cash dividend to shareholdersPINE BLUFF, Ark., Feb. 24, 2026 /PRNewswire/ -- Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) announced today that its board of directors has declared a quarterly cash dividend on Simmons' Class A common stock of $0.215 per share, which is payable on April 1, 2026, to shareholders of record as of March 13, 2026. The cash dividend rate represents an increase of 1 percent from the dividend paid for the same time period last year.







The annualized cash dividend rate of $0.86 for 2026 represents a ten-year compound annual growth rate of 6 percent and marks the 117th consecutive year that Simmons has paid cash dividends. According to research by Dividend Power, Simmons is one of only 27 U.S. publicly traded companies that have paid dividends for 100+ uninterrupted years. This marks the 15th consecutive year that Simmons has increased its dividend, earning it Dividend Power's designation as a "Dividend Contender," a title exclusively for companies that have increased their dividend for 10 to 24 consecutive years. As of December 21, 2025, Dividend Power research noted that Simmons is one of only 322 companies out of nearly 6,000 companies listed on the New York Stock Exchange (NYSE) and NASDAQ to achieve this distinction.Simmons First National Corporation
Simmons First National Corporation (NASDAQ: SFNC) is a Mid-South based financial holding company that has paid cash dividends to its shareholders for 117 consecutive years. Its principal subsidiary, Simmons Bank, operates more than 220 branches in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Founded in 1903, Simmons Bank offers comprehensive financial solutions delivered with a client-centric approach. Recently, Simmons Bank was recognized by Newsweek as one of America's Best Regional Banks and Credit Unions 2026 and by Forbes as one of America's Best-In-State Companies 2026. In 2025, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom.Forward-Looking Statements
This press release contains statements related to dividends that are not based on historical facts and constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. By nature, such forward-looking statements are based on various assumptions and involve inherent risks and uncertainties that could cause actual results to differ materially from those expressed in or implied by the forward-looking statements. Among other risks, there can be no guarantee that the board of directors of Simmons will approve a quarterly dividend in future quarters, and the timing, payment, and amount of future dividends (if any) may differ significantly from past dividends. Additional information on other risk factors that could affect the forward-looking statements 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 September 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. 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.



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Original: Simmons First National Corporation Declares $0.215 Per Share Dividend

Simmons First National Corporation Announces Common Stock Repurchase ProgramFebruary 17, 2026 4:30 PM
PR Newswire (US)

Board of Directors authorizes new $175 million stock repurchase programPINE BLUFF, Ark., Feb. 17, 2026 /PRNewswire/ -- Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today announced that its Board of Directors authorized a new stock repurchase program (New Program) under which the Company may repurchase up to $175 million of its Class A common stock currently issued and outstanding. The New Program replaces the stock repurchase program that was originally authorized in January 2024 and that terminated on January 31, 2026.







Under the New Program, the Company may repurchase shares of its common stock through open market and privately negotiated transactions, including, but not limited to, utilizing Rule 10b5-1 programs, or otherwise. The timing, pricing, and amount of any repurchases under the New Program will be determined by the Company's management at its discretion based on a variety of factors, including, but not limited to, trading volume and market price of the Company's common stock, corporate considerations, the Company's working capital and investment requirements, general market and economic conditions, and legal requirements. The New Program does not obligate the Company to repurchase any common stock and may be modified, discontinued, or suspended at any time without prior notice. The Company anticipates funding for the New Program to come from available sources of liquidity, including cash on hand and future cash flow. The New Program will terminate on January 31, 2028 (unless terminated sooner).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 Best Regional Banks and Credit Unions 2026 and by Forbes as one of America's Best-In-State Companies 2026. In 2025, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom.Forward-Looking Statements
Some of the statements in this news 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 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, profitability, and stock repurchase program. Any forward-looking statement speaks only as of the date of this news release, and Simmons undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date of this news 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, credit quality, interest rates, loan demand, deposit flows, the assumptions used in making the forward-looking statements, the securities markets generally and the price of Simmons common stock specifically, could cause actual results to differ materially from those contemplated by the forward-looking statements. Additional factors are included in Simmons First National Corporation's Forms 10-K for the year ended December 31, 2024, and 10-Q for the quarter ended September 30, 2025, which have been filed with, and are available from, the U.S. Securities and Exchange Commission.



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Original: Simmons First National Corporation Announces Common Stock Repurchase Program

Simmons Bank Announces Key Executive AppointmentsFebruary 2, 2026 8:30 AM
PR Newswire (US)

Brian Jackson joins Simmons as President, Consumer and Wealth ManagementJonathan Schneider joins Simmons as President, Commercial BankingAddition of established 8-member Private Banking and Wealth Management team further bolsters wealth management capabilities in St. Louis, Kansas City, Oklahoma City and WichitaPINE BLUFF, Ark., Feb. 2, 2026 /PRNewswire/ -- Simmons Bank (Simmons), a wholly owned subsidiary of Simmons First National Corporation (NASDAQ: SFNC), announced today multiple executive leadership appointments, reflecting the bank's continued focus on organic growth, talent acquisition and innovation. Simmons also announced the forthcoming addition of an 8-member Private Banking and Wealth Management team led by industry veteran Rick Sartori.







"The unique skills, experiences and perspectives Brian and Jonathan bring will be invaluable as we embark on our next phase of growth and shape the future of how we serve our clients and create sustainable value for our shareholders," said Jay Brogdon, president and chief executive officer at Simmons. "Our ability to attract top talent is a testament to our strong culture and attractive industry positioning. Adding to the depth of our leadership team will accelerate the results of our transformation efforts that are designed to deliver growth and efficiency. I'm energized to work with the strong executives and leaders we have across Simmons who are driving change, elevating the client experience and enabling scalable growth."Jackson brings nearly two decades of experience in the financial services industry, with a successful track record of strategic execution. He most recently served as Executive Vice President, Head of Consumer Product, Pricing and Origination Partnerships at Regions Bank. In this role, he was responsible for new product development, ongoing product and portfolio management, and pricing for consumer and small business deposit products, mortgage, home equity, consumer lending, credit and debit cards, and retail payment solutions. Prior to this role, he served as Executive Vice President, CFO Consumer Banking Group where he led a strategic finance team supporting retail, mortgage, branch small business banking and indirect business lines.Jackson holds a BSBA degree with a concentration in finance from the University of Central Florida and is a certified public accountant. He will report to Brogdon and will office in Little Rock.Schneider has 18 years of commercial banking experience, including the development of C&I and commercial deposit strategies. He most recently served as the Executive Director and Head of Specialty Banking at Veritex Bank. In this role, his responsibilities included designing and executing strategies for growing private equity and sponsor relationships, fund finance, lender finance and government guaranteed lending. Prior to joining Veritex, he led the middle market teams as Regional Corporate Banking Director covering Texas with industry verticals in Arkansas, Louisiana, and Oklahoma at Branch Banking and Trust Company (BB&T).Schneider holds a BS degree from Liberty University and is a graduate of the Louisiana State University School of Banking. He will report to Brogdon and will office in Dallas.Simmons also announced an 8-member Private Banking and Wealth Management team that was previously part of the U.S. Wealth Management unit at BMO Financial Group will be joining the bank. The team is led by industry veteran Rick Sartori and provides services to clients in several Midwestern markets, including St. Louis, Kansas City, Oklahoma City and Wichita."Expanding the depth and reach of our Wealth Management business throughout our footprint is a key objective in our strategic plan and represents a significant opportunity for us to drive organic growth, increase fee income and deepen our banking relationships," said Brogdon. "Rick and his team bring a proven record of high performance and are a natural fit given their familiarity with markets where we already have a strong banking presence. We are delighted to welcome a team of this caliber and believe it underscores our ability to attract talent."About the Private Banking and Wealth Management Team
Rick Sartori
Sartori brings a distinguished career in finance and financial services and for the last 10 years served as Director of BMO Wealth Management (BMO) in St. Louis, where he led a 10-member Private Wealth team that served clients in several Midwestern markets. He previously served for several years with U.S. Trust in St. Louis as a Private Client Advisor. A graduate of Saint Louis University, Sartori is active in the St. Louis community, having served on numerous nonprofit boards.David Ringwald
Ringwald brings more than 20 years of experience and most recently served as Vice President of Private Banking. Previously, he spent 12 years with U.S. Trust as a Private Client Advisor and Trust Sales Officer. He also has extensive experience in the commercial real estate field. He earned his undergraduate degree from Bellarmine University and an MBA from Indiana University. Ringwald is a graduate of the Cannon Trust School.Monica Covert-Risner
Covert-Risner has spent the last 13 years in the financial services industry, most recently serving as Senior Trust Administrator. She previously served as a Senior Wealth analyst and Relationship Banker. She earned her undergraduate degree from Lindenwood University and an MBA from Webster University. She is a graduate of the College for Financial Planning, is a licensed Certified Financial Planner and is a member of the Estate Planning Council of St. Louis.Sean Zurbriggen
Zurbriggen has spent his entire career in investment management, most recently serving as a Portfolio Manager. He previously served as a Portfolio Manager at Commerce Trust Company and Bank of America Private Bank. He earned his undergraduate and an MBA from the University of Missouri and is a Chartered Wealth Manager.Tyler Noll
Noll has spent his entire career in the financial services industry, most recently as a Private Wealth Advisor. He previously served as a Relationship Banker and Retail Branch Manager for BMO in St. Louis. A native of St. Louis, he holds an undergraduate degree from Lindenwood University.Borislav (Bobby) Shull
Shull has spent his entire career in the financial services industry, most recently as a Portfolio Manager. Prior to that, he served as a Relationship Banker at JP Morgan Chase Bank. He attended the U.S. Air Force Academy in Colorado Springs and holds an undergraduate and MA degrees from Saint Louis University.Gregory Erdman
With more than 25 years of experience in the financial services industry, Erdman most recently served as a Senior Wealth Analyst and Private Banking Associate. He previously spent 15 years at U.S. Trust in their affluent banking area. Erdman is a graduate of the University of Missouri-St Louis.Milica Mijailovic
Mijailovic has spent the last seven years in the financial services industry, most recently serving as a Wealth Analyst. A native of Belgrade, Serbia, she is a graduate of St. Louis Community College and holds a Bachelor of Laws Degree from Belgrade University.Simmons Bank
Simmons Bank is a wholly owned subsidiary of Simmons First National Corporation (NASDAQ: SFNC), 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 Best Regional Banks and Credit Unions 2026 and by Forbes as one of America's Best-In-State Companies 2026. In 2025, Simmons Bank was recognized by Newsweek as one of America's Greatest Workplaces 2025 in Arkansas and one of America's Best Regional Banks 2025, and by U.S. News & World Report as one of the 2024-2025 Best Companies to Work For in the South. Additional information about Simmons Bank can be found on our website at simmonsbank.com, by following @Simmons_Bank on X or by visiting our newsroom.














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Original: Simmons Bank Announces Key Executive Appointments