Q4 2020 Investor Presentation

Company Profile (1) 1903 Simmons Bank Founded in Pine Bluff, Arkansas SFNC Ticker Symbol $2.8 Billion Market Cap (2) 13.42% CET1 Ratio 16.79% Total Risk-based Capital Ratio 1.85% Cheyenne NEBRASKA Fort Colins Denver Colorado Springs COLORADO Lincoln Omaha TOWA Lansing Rockford Detroit Cedar Rapids A E Sea Lake Chicago South Bend Des Moines Toledo Cleveland Fort Wayne OHIO ansas City Topeka KANSAS Jefferson City MISSOURI ILLINOIS Springfield Indianapolis INDIANA Columbus Louisville-Jefferson County Frankfort Charlesto Lexington Santa Fe OKLAHOMA Oklahoma City Memphimph Amarillo ACL / Loans NEW MEXICO Lubbock TEN ESSEE KENTUCKY Chattanooga Huntsville M Athens Augusta $22 Billion Total Assets 3.38% Net Interest Margin 204 Locations 7 States 3.1% Dividend Yield Fort Wort Abilene Maland Gudad Juárez TEXAS Waco Chihuahua Hidalgo d » dal Paral COAHUILA Piedras Neg FINANCIAL HIGHLIGHTS BY DIVISION(3) Division Arkansas Communities Central Arkansas Western Missouri Geographic Footprint Arkansas smaller population markets Little Rock/North Little Rock/Benton/Bryant Northwest Arkansas/Oklahoma/Kansas Missouri/Illinois Tennessee Tennessee Texas $ Dallas/Fort Worth/North Texas (1) As of December 31, 2020, unless otherwise noted. Seveport MISSISSIPPI LOUISIANA Beaumo Austin Houston Sea Rim. State Park Lakes New Orleans San Antonio ALABAMA Columbus GEORGIA Talahassee Jacksonvi Gainesville AR Community Central AR Western Tennessee Missouri Texas Branches Loans Deposits 50 $1.3 $3.2 14 $0.9 $1.5 30 $1.8 $2.5 53 $2.7 $4.1 33 $1.4 $2.7 24 $3.3 $2.1 (2) Based on January 15, 2021 closing stock price of $26.18 and number of shares outstanding as of that date. (3) Loan and deposit figures in billions. The balances include only those assigned to the division (the balances do not include other business units such as credit cards, equipment finance, energy, brokered and other). 30

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