Q2 Quarter 2023

$ Simmons First National Corporation A Mid-South based financial holding company serving our customers and the communities where we work and live since 1903 Columbia St. Louis Wichita Springfield Tulsa Oklahoma City Little Rock Memphis Pine Bluff Fort Worth Dallas Tyler College Station Austin Houston San Antonio Corpus Christi Nashville 114 CONSECUTIVE YEARS PAYING DIVIDENDS3 120 YEARS OF SERVICE 231 FINANCIAL CENTERS ACROSS SIX STATES Forbes 2023 AMERICA'S BEST MIDSIZE EMPLOYERS POWERED BY STATISTA Forbes 2023 WORLD'S BEST BANKS POWERED BY STATISTA ABA Foundation COMMUNITY COMMITMENT 10 YEARS Hwards WINNER Figures presented on this slide are as of June 30, 2023, unless otherwise noted (1) Non-GAAP measures that management believes aids in the discussion of results. See appendix for Non-GAAP reconciliation (2) Based on July 14, 2023, closing stock price of $17.52 and projected annualized dividend rate of $0.80 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 Company Overview $28.0 BILLION TOTAL ASSETS $22.5 BILLION TOTAL DEPOSITS $7.8 BILLION ASSETS UNDER MANAGEMENT/ ADMINISTRATION $16.8 BILLION TOTAL LOANS 14.2% TOTAL RBC RATIO 7.2% TCE RATIO 1 4.6% DIVIDEND YIELD2 75% LOAN TO DEPOSIT RATIO FOUNDATION 0.28% NPA TO TOTAL ASSETS 292% NPL COVERAGE RATIO

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