Q4 2020 Investor Presentation

Selected Business Units As of and for the year ended December 31, 2020 $188 million nationwide credit card portfolio History of excellent credit quality (1.62% YTD net charge-off ratio) I Simmons Credit Cards ◉ Loan yield (including fees): 13.1% Mortgage Originations: $1.3 billion 1 Simmons Mortgage ◉ ◉ 37% Purchase vs. 63% Refinance Revenue $34.5 million $ ☐ Simmons WEALTH MANAGEMENT TRUST ■ Total Assets: $5.8 billion Managed Assets: $3.6 billion Non-managed / Custodial Assets: $2.2 billion Revenue $25.5 million ■ Profit Margin: 36% ■ Growing investment management business ROYALTY TRUST ■ Revenue: $2.2 million ■ Profit Margin : 34% INVESTMENTS Retail investments services provided through networking arrangement with LPL Financial - LPL platform, among other things, provides customers with online self-service trade option Retail Group: $1.67 billion AUM ($367 million in fee-based / advisory assets) Profit Margin 23% INSURANCE (EMPLOYEE BENEFITS & LIFE) Revenue: $1.4 million Profit Margin: 35% 31

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