UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____ Commission File Number 000-06253 SIMMONS FIRST NATIONAL CORPORATION (Exact name of registrant as specified in its charter) Arkansas 71-0407808 ...

❑ ~$130 million of projected securities principal maturities per quarter3 Cash & Cash Equivalents Variable Rate Securities 0.65% 1.41% 2.10% 2.57% 3.06%3.31% 3.48% 0.47% 1.02% 1.58% 1.96% 2.37% 2.58% 2.75% 2.20% 3.65% 4.52% 4.99% 5.26% 5.33% 5.33% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 Interest Bearing Deposits Cost of Deposits Avg Fed Funds Rate 50% deposit beta during this cycle3 | --- | --- | --- | --- | --- | |---------------------|------------------------|-------------|--------------------------- ...

Start Time: 10:00 January 1, 0000 10:21 AM ET Simmons First National Corporation (NASDAQ:SFNC) Q1 2024 Earnings Conference Call April 24, 2024, 10:00 AM ET Company Participants George Makris - Executive Chairman Bob Fehlman - CEO Daniel Hobbs - EVP and CFO Jay Brogdon - President Ed Bilek - Director, IR Conference Call Participants David Feaster - Raymond James Woody Lay - KBW Thomas Wendler - Stephens Operator Good morning, and welcome to the Simmons First National Corporation First Quarter 2024 Earnings C ...

| FINANCIAL HIGHLIGHTS | 1Q24 | 4Q23 | 1Q23 | 1Q24 Highlights | | --- | --- | --- | --- | --- | | BALANCE SHEET (in millions) | | | | Comparisons reflect 1Q24 vs 4Q23 | | Total loans | $17,002 | $16,846 | $16,555 | • Net income of $38.9 million and | | Total investment securities | 6,735 | 6,878 | 7,521 | | | Total deposits | 22,353 | 22,245 | 22,452 | diluted EPS of $0.31 | | Total assets | 27,372 | 27,346 | 27,583 | • Adjusted earnings 1 of $40.4 million | | Total shareholders' equity | 3,439 | 3,426 | 3, ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 Arkansas 71-0407808 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) 501 Main Street 71601 Pine Bluff (Zip Code) Arkansas (Address of principal executive offices) TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHAN ...

Good morning, and welcome to Simmons First National Corporation's fourth quarter 2023 earnings call. Joining me today are several members of our executive management team, including our Executive Chairman, George Makris; CEO, Bob Fehlman; President, Jay Brogdon; and CFO, Daniel Hobbs. Today's call will be in a Q&A format. Finally, in this presentation, we will discuss certain non-GAAP financial metrics we believe provide useful information to investors. Additional disclosures regarding non-GAAP metrics, inc ...

Contents 3 Company Profile 4 4Q23 Financial Highlights 12 Deposits, Securities, Liquidity, Interest Rate Sensitivity and Capital 18 Loan Portfolio 22 Credit Quality 26 Appendix Forward-Looking Statements. Certain statements by Simmons First National Corporation (the "Company", which where appropriate includes the Company's wholly-owned banking subsidiary, Simmons Bank) contained in this presentation may not be based on historical facts and should be considered "forward-looking statements" within the meaning ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____ Commission File Number 000-06253 SIMMONS FIRST NATIONAL CORPORATION (Exact name of registrant as specified in its charter) Arkansas 71-0407808 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTI ...

Company Participants Brady Gailey - KBW David Feaster - Raymond James Matt Olney - Stephens Graham Dick - Piper Sandler Gary Tenner - D.A. Davidson I would now like to turn the conference over to Ed Bilek. Please go ahead. Before we begin the Q&A, I would like to remind you that our third quarter earnings materials, including the press release and presentation deck are available on our website at simmonsbank.com under the Investor Relations tab. These forward-looking statements speak only as of the date the ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____ Commission File Number 000-06253 SIMMONS FIRST NATIONAL CORPORATION (Exact name of registrant as specified in its charter) Arkansas 71-0407808 ( ...