Current Report · Items 2.02, 7.01, 9.01 · 8-K

Simmons First National Corporation

SFNCNASDAQEQUITYCurrent

Results of Operations and Financial Condition · Regulation FD Disclosure

Filed Jul 16, 2026Accepted Jul 16, 2026, 4:30 PM EDTCIK 90498Accession 0001193125-26-306164

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SFNCNASDAQ · EQUITY · Current

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Items 2.02, 7.01, 9.01

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Item 2.02Item 2.02 - Results of Operations

Item 2.02 Results of Operations and Financial Condition. On July 16, 2026, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The information provided pursuant to this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (“Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Registrant under the Securities Act of 1933 (“Securities Act”) or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 7.01Item 7.01 - Regulation FD Disclosure

Item 7.01 Regulation FD Disclosure. On July 16, 2026, the Registrant issued an investor presentation, a copy of which is attached hereto as Exhibit 99.2 and is incorporated herein by reference. The information provided pursuant to this Item 7.01, including Exhibit 99.2, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Registrant under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Filed exhibits (2)

EX-99.1 (by filename) d123214dex991.htm

EX-99.1 2 d123214dex991.htm EX-99.1 EX-99.1 Exhibit 99.1 July 16, 2026 Simmons First National Corporation Reports Second Quarter Results FINANCIAL HIGHLIGHTS 2Q26 1Q26 2Q25 2Q26 Highlights INCOME STATEMENT SUMMARY (in • millions) Net income of $66.7 million and diluted EPS of $0.46 • Net income of $66.7 million and diluted EPS of $0.46 • Adjusted net income1 of $72.2 million and adjusted diluted EPS1 of $0.50 …

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EX-99.2 (by filename) d123214dex992.htm

EX-99.2 3 d123214dex992.htm EX-99.2 EX-99.2 Exhibit 99.2 Nasdaq SFNC nd 2 Quarter 2026 Earnings Presentation July 16, 2026 Company Overview Simmons First National Corporation A Mid-South based financial holding company serving our $24.8 $19.7 customers and the communities where we work and live since 1903 BILLION BILLION TOTAL ASSETS TOTAL DEPOSITS $10.4 $18.1 CONSECUTIVE YEARS 3 117 PAYING DIVIDENDS BILLION BILLION ASSETS UNDER TOTAL LOANS MANAGEMENT/ ADMINISTRATION YEARS OF SERVICE 123 14.35% 8.91% 1 TOTAL RBC RATIO TCE RATIO FINANCIAL CENTERS 220 ACROSS SIX STATES 3.8% 92% 2 DIVIDEND YIELD LOAN TO DEPOSIT RATIO 1.32% 0.20% ACL TO TOTAL NET CHARGE-OFF LOANS RATIO Figures presented on this slide are as of June 30, 2026, unless otherwise noted 2 1 Non-GAAP measures that management believes aid in the discussion of results. See appendix for Non-GAAP reconciliations 2 Based on July 9, 2026, closing stock price of $22.72 and annualized dividend rate of $0.86 per share 3 The future payment of dividends is not guaranteed and is subject to various factors, including approval by the Company’s board of directors 2Q26 Financial Highlights 3 2Q26 Highlights 1 ❑ On track to deliver do…

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