Nasdaq: SFNC3 rd Quarter 2022 Earnings Presentation Contents 3 Q3 Highlights 4 Q3 Results Overview 10 Loans 13 Deposits, Liquidity, Securities, Interest Rate Sensitivity & Capital 19 Credit Quality 22 Key Takeaways 24 Appendix Forward-Looking Statements and Non-GAAP Financial Measures 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 ...

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, 2022 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) (870) 541-1000 (Regis ...

Simmons First National Corporation (NASDAQ:SFNC) Q2 2022 Earnings Conference Call July 21, 2022 10:00 AM ET Company Participants Ed Bilek - Executive Vice President, and Director of Investor Relations George Makris - Chairman, and Chief Executive Officer James Brogdon - Executive Vice President, Chief Financial Officer, and Treasurer Matthew Reddin - Chief Banking Officer Robert Fehlman - President and Chief Operating Officer Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James Matt ...

Nasdaq: SFNC2 nd Quarter 2022 Earnings Presentation Contents 3 Q2 Highlights 4 Q2 Results Overview 11 Loans 14 Deposits, Liquidity, Securities, Interest Rate Sensitivity & Capital 20 Credit Quality 23 Key Takeaways 25 Appendix Forward-Looking Statements and Non-GAAP Financial Measures 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 ...

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, 2022 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 ...

Simmons First National Corp. (NASDAQ:SFNC) Q1 2022 Results Conference Call April 28, 2022 10:00 AM ET Company Participants Edward Bilek - EVP & Director, IR George Makris - Chairman, CEO James Brogdon - EVP, CFO & Treasurer Matthew Reddin - Chief Banking Officer Robert Fehlman - President, COO Conference Call Participants Brad Gailey – KBW David Feaster - Raymond James Gary Tenner - D.A. Davidson Matt Olney – Stephens Stephen Scouten - Piper Sandler Edward Bilek Good morning, and thank you for joining our f ...

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, 2021 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 (Stat ...

| NASDAQ: SFNC | --- | --- | --- | --- | |--------|-------|-------|----------------------------------------------------------------------------------| | | | | | | | | | | | | | | Contents | | | | | 4 Q4 &2021 Highlights | | | | | 5 Q4 Results Overview | | | | | 13 Loans | | | | | | | | | | | | | | | 18 Deposits, Liquidity, Securities, Interest Rate Sensitivity & | | | | | Capital 24 Credit Quality 27 Key Takeaways and Management Outlook 30 Appendix | | th 4 | | | Quarter 2021 Earnings Presentation | Forward ...

Financial Data and Key Metrics Changes - The company reported consolidated net income of $9.1 million for Q4 2021, with fully diluted earnings per share (EPS) of $0.51, compared to $12.5 million and EPS of $0.71 in Q4 2020 [22][11] - Non-GAAP consolidated net income for Q4 2021 was $9.8 million, with fully diluted EPS of $0.55, excluding elevated professional services costs related to the anticipated merger [23] - The tax equivalent net interest margin for Q4 2021 was 3.89%, down from 4% in Q3 2021, reflecting an 11 basis point decrease [27] Business Line Data and Key Metrics Changes - The loan portfolio grew by 24.3% on an annualized basis, excluding the impact of PPP loan forgiveness, with significant growth in C&I and construction loans at 77% and 40% respectively [14] - Non-interest income increased to $4.3 million in Q4 2021, up from $3.3 million in Q3 2021, primarily due to an increase in gains on the sale of SBA loans [25] Market Data and Key Metrics Changes - Total deposits reached $2.8 billion, an increase of $111.8 million or 16.6% annualized from Q3 2021, and an increase of $323.3 million or 13.2% over Q4 2020 [18] - Non-interest-bearing deposits increased by $36.1 million or 18.8% annualized from Q3 2021, making up 28.9% of total deposits [18] Company Strategy and Development Direction - The upcoming merger with Simmons First National Corp. is viewed as a new chapter for the company, aimed at further growth in Texas markets and enhancing the performance of its bankers [13][31] - The company aims to leverage a larger balance sheet to increase lending capacity and access a broader array of products and services [31] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in continued success post-merger, highlighting the team's performance and commitment to quality over the past 13 years [32] - The company anticipates a higher net interest margin in the future due to a shift in asset mix from lower-yielding cash into loans [17] Other Important Information - The provision for loan losses for Q4 was $970,000, increasing the allowance to $16.4 million or 71 basis points of total loans outstanding [28] - The company has significant liquidity sources, including a $50 million line of credit and Federal Home Loan Bank availability of $841.9 million [22] Q&A Session Summary - There were no questions during the Q&A session, indicating that many inquiries may have been addressed in the press release or during the presentation [33][34]

| NASDAQ: SFNC | --- | --- | --- | --- | --- | |--------|-------|-------|-------|----------------------------------------------------------------------------------| | | | | | | | | | | | Contents | | | | | | 3 Q3 Key Highlights | | | | | | 4 Q3 Results Overview | | | | | | | | | | | | 11 Loans | | | | | | 16 Deposits, Liquidity, Securities, Interest Rate Sensitivity & | | | | | | Capital 21 Credit Quality 24 Key Takeaways and Management Outlook 26 Appendix | | | | | | | | rd 3 | | | | Quarter 2021 Earnings ...