SFNC

EX-99.1

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EX-99.1

EX-99.1

Exhibit 99.1

October 15, 2026

Simmons First National Corporation Reports Third Quarter Results

FINANCIAL HIGHLIGHTS

3Q26

2Q26

3Q25

3Q26 Highlights

INCOME STATEMENT SUMMARY (in millions)

Comparisons reflect 3Q26 vs 2Q26 unless otherwise noted

•

Net income of $47.1 million and diluted EPS of $0.32

•

Adjusted net income1 of $79.0 million and adjusted diluted EPS1 of $0.54

•

ROAA of 0.77% and ROE of 5.37%

•

Adjusted ROAA1 of 1.29%; adjusted ROTCE1 of 15.50%

•

Total revenue of $251.2 million and PPNR1 of $69.1 million

•

Adjusted total revenue1 of $251.2 million and adjusted PPNR1 of $112.3 million

•

Net interest margin up 8 bps to 3.92%

•

Loan yields up 5 bps and cost of deposits down 8 bps to 1.85%

•

Efficiency ratio of 71.59%; adjusted efficiency ratio1 of 53.31%

•

Provision expense exceeded net charge-offs by

$14.1 million for the first nine months of 2026

•

NCO ratio at 27 bps for 3Q26; ACL at 1.37%

Total revenue

$ 251.2

$ 248.6

$ (569.5 )

Adjusted total revenue1

251.2

248.6

232.5

Pre-provision net revenue1 (PPNR)

69.1

100.8

(711.6 )

Adjusted pre-provision net revenue1

112.3

108.2

92.8

Provision for credit losses

12.2

17.4

12.0

Net income (loss)

47.1

66.7

(562.8 )

Adjusted net income1

79.0

72.2

64.9

PER SHARE DATA

Diluted earnings

$ 0.32

$ 0.46

$ (4.00 )

Adjusted diluted earnings1

0.54

0.50

0.46

Cash dividend declared

0.2150

0.2150

0.2125

BALANCE SHEET (in millions)

Total loans

$ 17,465

$ 18,062

$ 17,189

Total deposits

18,616

19,728

19,838

Total assets

24,074

24,777

24,208

Total shareholders’ equity

3,350

3,482

3,354

ASSET QUALITY

Net charge-off ratio (NCO ratio)

0.27 %

0.20 %

0.25 %

Allowance for credit losses to loans (ACL)

1.37

1.32

1.50

CAPITAL RATIOS

Equity to assets (EA) ratio

13.91 %

14.05 %

13.85 %

Tangible common equity (TCE) ratio1

8.62

8.91

8.53

Common equity tier 1 (CET1) ratio

12.05

11.60

11.54

Total risk-based capital ratio

14.80

14.35

15.07

OTHER RATIOS

Return on average assets (ROAA)

0.77 %

1.09 %

(8.96 )%

Adjusted ROAA1

1.29

1.17

1.03

Return on average common equity (ROE)

5.37

7.69

(66.29 )

Return on average tangible common equity1

(ROTCE)

9.42

13.32

(113.56 )

Adjusted ROTCE1

15.50

14.37

13.62

Net interest margin (FTE)2

3.92

3.84

3.50

Efficiency ratio

71.59

58.72

(25.11 )

Adjusted efficiency ratio1

53.31

54.26

57.72

Jay Brogdon, Simmons’ President and CEO, commented on third quarter 2026 results:

“The third quarter showcased our commitment to delivering sustainable long-term value through focused execution of several strategic initiatives designed to improve profitability and further optimize our balance sheet. We continue to achieve reductions in noninterest expenses as well as back-book loans and deposits with low relationship value. Combined with disciplined loan and deposit pricing, these initiatives drove net interest margin expansion of 8 basis points to 3.92%, and drove meaningful improvements in our adjusted ROAA and adjusted ROTCE performance.

Credit quality metrics remained relatively stable during the quarter, as we actively manage legacy credits and pursue early identification of potential problems. We continue strengthening reserves to buffer our already strong capital levels.

As we look to the fourth quarter and beyond, we will remain relentless in our commitment to the principles of generating sound and profitable growth. By simplifying and focusing our business, we have gained efficiencies that will more than fund ongoing investments that support high-value organic growth. We plan to further outline our strategic objectives and future financial targets at our upcoming Investor Day in December.”

Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today reported net income of $47.1 million for the third quarter of 2026, compared to net income of $66.7 million for the second quarter of 2026 and a net loss of $562.8 million in the third quarter of 2025. Diluted earnings per share were $0.32 for the third quarter of 2026, compared to $0.46 for the second quarter of 2026 and $(4.00) for the third quarter of 2025. Adjusted earnings1 for the third quarter of 2026 were $79.0 million, compared to $72.2 million for the second quarter of 2026 and $64.9 million for the third quarter of 2025. Adjusted diluted earnings per share1 for the third quarter of 2026 were $0.54, compared to $0.50 for the second quarter of 2026 and $0.46 for the third quarter of 2025.

For the third quarter of 2026, return on average assets was 0.77 percent and return on average common equity was 5.37 percent. Adjusted return on average assets1 was 1.29 percent and adjusted return on average tangible common equity1 was 15.50 percent.

The table below summarizes the impact of certain items, consisting primarily of branch/real estate rightsizing costs, severance/early retirement program costs, certain pr

EX-99.1

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EX-99.1

EX-99.1

Exhibit 99.1

July 16, 2026

Simmons First National Corporation Reports Second Quarter Results

FINANCIAL HIGHLIGHTS

2Q26

1Q26

2Q25

2Q26 Highlights

INCOME STATEMENT SUMMARY (in millions)

Comparisons reflect 2Q26 vs 1Q26 unless otherwise noted

•

Net income of $66.7 million and diluted EPS of $0.46

•

Adjusted net income1 of $72.2 million and adjusted diluted EPS1 of $0.50

•

ROAA of 1.09% and ROE of 7.69%

•

Adjusted ROAA1 of 1.17%; adjusted ROTCE1 of 14.37%

•

Total revenue of $248.6 million and PPNR1 of $100.8 million

•

Net interest margin unchanged at 3.84%; cost of deposits down 3 bps to 1.93%

•

Efficiency ratio of 58.72%; adjusted efficiency ratio1 of 54.26%

•

Unfunded commitments up 8%

•

Noninterest bearing deposits up 6% annualized

•

Provision expense exceeded net charge-offs by $8.3 million

•

NCO ratio at 20 bps for 2Q26; ACL at 1.32%

•

Repurchased 0.7 million shares during the quarter

Total revenue

$ 248.6

$ 241.4

$ 214.2

Adjusted total revenue1

248.6

241.4

214.2

Pre-provision net revenue1 (PPNR)

100.8

100.7

75.6

Adjusted pre-provision net revenue1

108.2

100.7

77.3

Provision for credit losses

17.4

14.6

11.9

Net income

66.7

68.5

54.8

Adjusted net income1

72.2

68.6

56.1

PER SHARE DATA

Diluted earnings

$ 0.46

$ 0.47

$ 0.43

Adjusted diluted earnings1

0.50

0.47

0.44

Cash dividend declared

0.2150

0.2150

0.2125

BALANCE SHEET (in millions)

Total loans

$ 18,062

$ 17,933

$ 17,111

Total deposits

19,728

20,203

21,825

Total assets

24,777

24,693

26,694

Total shareholders’ equity

3,482

3,438

3,549

ASSET QUALITY

Net charge-off ratio (NCO

ratio)

0.20 %

0.21 %

0.25 %

Allowance for credit losses to loans (ACL)

1.32

1.28

1.48

CAPITAL RATIOS

Equity to assets (EA) ratio

14.05 %

13.92 %

13.30 %

Tangible common equity (TCE) ratio1

8.91

8.74

8.46

Common equity tier 1 (CET1) ratio

11.60

11.58

12.36

Total risk-based capital ratio

14.35

14.36

14.42

OTHER RATIOS

Return on average assets

1.09 %

1.13 %

0.82 %

Adjusted return on average assets1

1.17

1.13

0.84

Return on average common equity

7.69

8.01

6.20

Return on average tangible common equity1

13.32

13.90

10.73

Adj. return on avg. tangible common equity1

14.37

13.91

10.97

Net interest margin (FTE)2

3.84

3.84

3.06

Efficiency ratio

58.72

57.56

62.82

Adjusted efficiency ratio1

54.26

56.16

60.52

Jay Brogdon, Simmons’ President and CEO, commented on second quarter 2026 results:

“Simmons delivered continued expansion in returns in the second quarter, reflecting revenue growth coupled with disciplined expense control. Committed loan production reached $1.8 billion, its highest quarterly level in almost four years, partially offset by expected paydowns, while our focus on disciplined loan and deposit pricing supported a stable net interest margin. Underlying trends in asset quality remain constructive, with net charge-offs of 20 basis points, provision expense exceeding net charge-offs by $8.3 million and continued positive trends in classified and criticized loans, even as we manage a single relationship that fully migrated to nonperforming in the second quarter.

During the quarter, the continued execution of efficiency initiatives more than funded our investments in the business, reflecting ongoing progress of our continuous improvement mindset. These actions included the elimination of certain positions and further optimization of our real estate footprint through meaningful square footage reductions.

As we look to the remainder of the year, we expect to sharpen our focus on the disciplined execution of these types of initiatives, which we believe will more than fund additional investments designed to further enhance the quality and sustainability of our organic growth outlook.”

Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today reported net income of $66.7 million for the second quarter of 2026, compared to net income of $68.5 million for the first quarter of 2026 and $54.8 million for the second quarter of 2025. Diluted earnings per share were $0.46 for the second quarter of 2026, compared to $0.47 for the first quarter of 2026 and $0.43 for the second quarter of 2025. Adjusted earnings1 for the second quarter of 2026 were $72.2 million, compared to $68.6 million for the first quarter of 2026 and $56.1 million for the second quarter of 2025. Adjusted diluted earnings per share1 for the second quarter of 2026 were $0.50, compared to $0.47 for the first quarter of 2026 and $0.44 for the second quarter of 2025.

For the second quarter of 2026, return on average assets was 1.09 percent and return on average common equity was 7.69 percent. Adjusted return on average assets1 was 1.17 percent and adjusted return on average tangible common equity1 was 14.37 percent.

The table below summarizes the impact of certain items, consisting primarily of branch/real estate rightsiz

EX-99.1

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EX-99.1

EX-99.1

Exhibit 99.1

April 16, 2026

Simmons First National Corporation Reports First Quarter EPS of $0.47

FINANCIAL HIGHLIGHTS

1Q26

4Q25

1Q25

1Q26 Highlights

INCOME STATEMENT SUMMARY (in millions)

Comparisons reflect 1Q26 vs 4Q25 unless otherwise noted

•

Net income of $68.5 million and diluted EPS of $0.47

•

Adjusted net income1 of $68.6 million and adjusted diluted EPS1 of $0.47

•

ROAA of 1.13% and ROE of 8.01%

•

Adjusted ROAA1 of 1.13%; adjusted ROTCE1 of 13.91%

•

Total revenue of $241.4 million and PPNR1 of $100.7 million

•

Net interest margin up 3 bps to 3.84%; cost of deposits down 8 bps to 1.96%

•

Efficiency ratio of 57.56%; adjusted efficiency ratio1 of 56.16%

•

Broad based growth drives total loans up 10% annualized

•

Unfunded commitments up 5%

•

Total average deposits up 6% annualized

•

Provision expense exceeded net charge-offs by $5.5 million

•

NCO ratio at 21 bps for 1Q26; ACL steady at 1.28%

Total revenue

$ 241.4

$ 249.0

$ 209.6

Adjusted total revenue1

241.4

249.0

209.6

Pre-provision net revenue1 (PPNR)

100.7

109.1

65.0

Adjusted pre-provision net revenue1

100.7

110.4

66.0

Provision for credit losses

14.6

15.1

26.8

Net income

68.5

78.1

32.4

Adjusted net income1

68.6

79.0

33.1

PER SHARE DATA

Diluted earnings

$ 0.47

$ 0.54

$ 0.26

Adjusted diluted earnings1

0.47

0.54

0.26

Cash dividend declared

0.2150

0.2125

0.2125

BALANCE SHEET (in millions)

Total loans

$ 17,933

$ 17,492

$ 17,094

Total deposits

20,203

20,184

21,685

Total assets

24,693

24,541

26,793

Total shareholders’ equity

3,438

3,419

3,531

ASSET QUALITY

Net charge-off ratio (NCO

ratio)

0.21 %

1.12 %

0.23 %

Allowance for credit losses to loans (ACL)

1.28

1.28

1.48

CAPITAL RATIOS

Equity to assets (EA) ratio

13.92 %

13.93 %

13.18 %

Tangible common equity (TCE) ratio1

8.74

8.71

8.34

Common equity tier 1 (CET1) ratio

11.58

11.63

12.21

Total risk-based capital ratio

14.36

14.45

14.59

OTHER RATIOS

Return on average assets

1.13 %

1.28 %

0.49 %

Adjusted return on average assets1

1.13

1.29

0.50

Return on average common equity

8.01

9.08

3.69

Return on average tangible common equity1

13.90

15.92

6.61

Adj. return on avg. tangible common equity1

13.91

16.10

6.75

Net interest margin (FTE)

3.84

3.81

2.95

Efficiency ratio

57.56

55.52

66.94

Adjusted efficiency ratio1

56.16

53.64

64.75

Jay Brogdon, Simmons’ President and CEO, commented on first quarter 2026 results:

Simmons delivered solid results in the first quarter driven by strong loan growth, expanding margin, and continued earnings momentum. Loans grew 10 percent linked quarter annualized, with growth broad-based across geography and industry. Net interest margin expanded linked quarter, increasing three basis points to 3.84 percent, benefiting from disciplined relationship pricing, fixed rate asset repricing and improving funding costs. Net charge-offs for the quarter were 21 basis points and provision expense exceeded net charge-offs by $5.5 million, primarily due to loan growth.

Looking forward, we remain committed to delivering disciplined growth and designing a more efficient and scalable infrastructure. The talent environment continues to be favorable and supports our organic growth priorities. We are increasingly optimistic about the prospects for consistently achieving returns that exceed our long-range targets.

Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today reported net income of $68.5 million for the first quarter of 2026, compared to net income of $78.1 million for the fourth quarter of 2025 and net income of $32.4 million for the first quarter of 2025. Diluted earnings per share were $0.47 for the first quarter of 2026, compared to $0.54 for the fourth quarter of 2025 and $0.26 for the first quarter of 2025. Adjusted earnings1 for the first quarter of 2026 were $68.6 million, compared to $79.0 million for the fourth quarter of 2025 and $33.1 million for the first quarter of 2025. Adjusted diluted earnings per share1 for the first quarter of 2026 were $0.47, compared to $0.54 for the fourth quarter of 2025 and $0.26 for the first quarter of 2025.

For the first quarter of 2026, return on average assets was 1.13 percent and return on average common equity was 8.01 percent. Adjusted return on average assets1 was 1.13 percent and adjusted return on average tangible common equity1 was 13.91 percent.

The table below summarizes the impact of certain items, consisting primarily of FDIC deposit insurance special assessment, professional services, branch right sizing costs, early retirement program costs and a loss on the sale of equipment finance business. These items are also described in further detail in the “Reconciliation of Non-GAAP Financial Measures” tables contained in this press release.

Impact of Certain Items on Earnings and Diluted Earnings Per Share (EPS)

$ in millions,