Nasdaq SFNC 4 th Quarter 2025 Earnings Presentation January 20, 2026 Company Overview $24.5 BILLION TOTAL ASSETS $20.2 BILLION TOTAL DEPOSITS $9.4 BILLION ASSETS UNDER MANAGEMENT/ ADMINISTRATION $17.5 BILLION TOTAL LOANS 14.45% TOTAL RBC RATIO 8.71% TCE RATIO1 4.4% DIVIDEND YIELD2 87% LOAN TO DEPOSIT RATIO 1.28% ACL TO TOTAL LOANS 199% NPL COVERAGE RATIO Simmons First National Corporation A Mid-South based financial holding company serving our customers and the communities where we work and live since 1903 ...

Key Messages - The company has achieved a strong recovery as anticipated, despite operating in a challenging environment during the second half of the year, and remains on track to meet its 2025 full-year guidance [3] - The overall market conditions are very weak, and the performance improvement in the second half is attributed to the company's self-help initiatives, including better cost efficiency, pricing discipline, and progress in integrating the Resco acquisition in North America [4]