Q2 Quarter 2023

Non-GAAP Reconciliations $ in thousands Calculation of Pre-Provision Net Revenue (PPNR) Net interest income Noninterest income Less: Gain (loss) on sale of securities Less: Noninterest expense Pre-Provision Net Revenue (PPNR) (non-GAAP) Calculation of Adjusted Pre-Provision Net Revenue Pre-Provision Net Revenue (PPNR) (non-GAAP) Plus: Merger related costs Plus: Branch right sizing costs, net Plus: Loss from early retirement of TruPS Plus: Donation to Simmons First Foundation Plus: Early Retirement Program Less: Gain on sale of intellectual property Less: Gain on insurance settlement Adjusted Pre-Provision Net Revenue (non-GAAP) Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 $ 185,099 $ 193,585 $ 193,026 $ 40,178 43,023 44,647 177,835 45,835 $ 163,230 44,980 (150) (22) (52) (391) 156,813 138,943 142,575 143,228 139,696 $ 68,614 $ 97,687 $ 95,150 $ 80,442 $ 68,905 $ 68,614 $ 97,687 $ 95,150 $ 19,133 1,422 35 380 1,235 1,104 80,442 1,396 979 $ 68,905 19 95 365 1,738 (750) 3,609 (4,074) $ 89,865 $ 99,959 $ 92,215 $ 82,817 $ 72,628 Calculation of Book Value and Tangible Book Value per Share Total common stockholders' equity $ 3,259,895 $ 3,157,151 $ 3,269,362 $ 3,339,901 $ 3,356,326 Intangible assets: (1,310,528) (137,285) (1,447,813) (1,309,000) (1,319,598) (133,059) (1,442,059) (128,951) (1,448,549) (1,320,799) (124,854) (1,445,653) (1,320,799) (120,758) (1,441,557) $ 1,715,092 $ 1,820,813 $ 1,894,248 128,787,764 126,943,467 127,046,654 127,282,192 $ 1,914,769 126,224,707 $ 25.31 $ 24.87 $ 25.73 $ 26.24 $ 26.59 $ 14.07 $ 13.51 $ 14.33 $ 14.88 $ 15.17 Goodwill Other intangible assets Total intangible assets Tangible common stockholders' equity (non-GAAP) Shares of common stock outstanding Book value per common share Tangible book value per common share (non-GAAP) $ 1,812,082 $5 31

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