Q2 Quarter 2023

Deposits: Reflects industry-wide migration to interest bearing deposits Deposit Mix $ in billions $22.0 $22.1 $22.5 $22.5 $22.5 Linked Quarter Deposit Change $ in millions Total Deposits $37 Noninterest Bearing Transaction Accounts $(225) Interest Bearing Transaction Accounts $(421) Time Deposits Brokered Deposits (money market & CDs) Q2 22 Q3 22 ■Noninterest Bearing Q4 22 Q1 23 Q2 23 ■Interest Bearing Transactions ■Time Deposits Evolution of Funding Rates 37% deposit beta during this cycle¹ 5.25% Interest Bearing Deposits 4.99% Additional Liquidity Sources $ in millions FHLB borrowing availability $ 5,345 Unpledged securities 3,877 4.52% 4.50% Cost of Deposits 3.75% Avg Fed Funds Rate 3.00% 2.25% 1.50% 0.75% 0.00% Q4 21 Q1 22 Q2 22 3.65% Fed Funds lines and Fed Discount Window and Bank Term Funding Program 2.20% 2.57% 2.10% Total at 6.30.23 1.41% 1.96% 0.65% 1.58% 1.02% Uninsured deposits² at 6.30.23 0.47% Q3 22 Q4 22 Q1 23 Q2 23 1,874 $11,096 $4,817 Coverage ratio of uninsured deposits 2.3x $5 $399 $284 Source: Average Fed Funds rate based on data from www.macrotrends.net (1) Deposit beta calculated as change in cost of deposits from Q4 21 to Q2 23 divided by the change in quarterly average Federal Funds Effective rate for Q4 21 vs Q2 23. (2) Uninsured deposits represent deposit accounts that exceed FDIC insurance limit, excluding public fund accounts and other deposit accounts that are collateralized, accounts that utilize CDARS or repo sweep programs and deposit balances of SFNC subsidiaries 13

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