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 ...

Simmons First National Corporation (NASDAQ:SFNC) Q4 2023 Earnings Conference Call January 24, 2024 10:00 AM ET Company Participants Ed Bilek - Director, Investor Relations Bob Fehlman - Chief Executive Officer Jay Brogdon - President George Makris - Executive Chairman Conference Call Participants David Feaster - Raymond James Brady Gailey - KBW Jordan Ghent - Stephens Inc Gary Tenner - D.A. Davidson Operator Good morning and welcome to the Simmons First National Corporation Fourth Quarter Earnings Conferenc ...

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 ...

Simmons First National Corporation (NASDAQ:SFNC) Q3 2023 Earnings Conference Call October 24, 2023 10:00 AM ET Company Participants Ed Bilek - Executive Vice President, Director of Investor and Media Relations Bob Fehlman - Chief Executive Officer Jay Brogdon - President and Chief Financial Officer George Makris - Executive Chairman Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James Matt Olney - Stephens Graham Dick - Piper Sandler Gary Tenner - D.A. Davidson Operator Good day and ...

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 (Registrant's telephone number, including area code) Not Applicable 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 n ...

Simmons First National Corporation (NASDAQ:SFNC) Q2 2023 Earnings Conference Call July 25, 2023 10:00 AM ET Company Participants Ed Bilek - Executive Vice President, Director of Investor and Media Relations George Makris - Executive Chairman Bob Fehlman - Chief Executive Officer Jay Brogdon - President and Chief Financial Officer Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James Matt Olney - Stephens Gary Tenner - D.A. Davidson Stephen Scouten - Piper Sandler Operator Good day, a ...

Book Value Per Common Share1 CET 1 Capital Ratio 11.9% Share Repurchase Program3(activity in Q2 23) • ~$60M remaining share authorization Loan Portfolio 19 Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Retail (non-owner occupied) By State Texas Arkansas Tennessee Missouri Oklahoma Kansas Other 4 | --- | --- | --- | --- | --- | --- | |----------|-------|-------------|-------|-------|--------| | | | | | | | | | | | | | | | | | | | | | | | | ons Bank as | | | | | | | | | | | | | | | | | | | Appendix ...