Q2 Quarter 2023

Digital: Digital solutions focused on expanding deposit gathering capabilities Customer Transactions by Channel ZelleⓇ Volume (transactions) +13% Digital +106% 69% Q2 22 +16% +13% +21% 72% +30% Q2 23 ■Branch Transactions Digital Transactions $5 Mobile Deposit Dollars +5% Q2 22 Q2 23 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 ✓ Remote deposits Avg Balance per Mobile Account Q2 22 +5% Simmons Bank HEMBER POIC Dashboard Expanding Suite of Digital Solutions Messages ze your elect the Accounts card's Transfers Open a new account Support NS $0.00 Balance Info Q2 2021 Q3 2021 Q3 2022 Q4 2022 Q1 2023 CDs & Money Market Further expanded digital deposit account offerings to include CDs and Money Market accounts. Current customers can open an account simply by clicking "Open an account" Credit Score Manager Complimentary feature that allows customers to view their credit score, gain insight into the different factors that contribute to their score and run simulations Coin Savings By bundling a Coin Checking account with a Coin Savings account, customer can earn a higher interest rate 1 Zelle Allows customers to quickly and easily send, receive and request money with friends and family right from Simmons Bank Mobile and Online Banking Simmons Coin Checking Bank's first digital account origination solution Q2 23 NS Nate Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license (1) Certain terms and conditions apply and can be found on our website at https://www.simmonsbank.com/personal/checking/coin-checking 29

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