SIMMONS FIRST NATIONAL CORP (SFNC) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — SFNC

Balance Sheet

(in billions USD)

Metric	Q2 2026	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	0.59	0.55	0.64	0.64	0.63	0.60	0.57	0.60	0.61	0.75	0.52	0.68	0.96	1.69	1.78	2.34	3.91
Net Loans & Leases	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	11.96
Total Assets	24.78	24.69	24.21	26.69	26.79	27.27	27.37	27.37	27.56	27.96	27.58	27.08	27.22	24.48	23.23	23.42	23.35
Total Deposits	19.73	20.20	19.84	21.82	21.68	21.94	21.84	22.35	22.23	22.49	22.45	22.15	22.04	19.39	18.07	18.30	18.19
Long-term Debt	1.25	0.76	0.67	1.00	1.25	1.41	1.71	1.24	1.71	1.74	1.39	1.33	1.48	1.72	1.72	1.72	1.72
Total Liabilities	21.29	21.26	20.85	23.14	23.26	23.74	23.91	23.93	24.28	24.60	24.24	23.92	23.96	21.52	20.20	20.38	20.42
Retained Earnings	0.94	0.90	0.82	1.41	1.38	1.36	1.36	1.34	1.33	1.31	1.28	1.20	1.14	1.14	1.07	1.00	0.95
Total Stockholder Equity	3.48	3.44	3.35	3.55	3.53	3.53	3.46	3.44	3.29	3.36	3.34	3.16	3.26	2.96	3.03	3.04	2.93

Income Statement

(in millions USD) (except per-share rows)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Interest & Dividend Income	307.68	301.81	307.53	313.42	315.02	307.84	325.98	334.29	329.15	322.65	323.52	310.29	297.22	279.14	264.58	230.62	204.81	161.73	170.73	163.93
Interest Expense	--	--	--	--	--	--	--	--	175.24	170.74	167.89	156.85	133.99	101.30	71.56	37.03	19.71	16.12	17.65	18.69
Net Interest Income	200.63	197.17	197.30	186.66	171.82	163.42	164.94	157.71	153.91	151.91	155.63	153.43	163.23	177.84	193.03	193.59	185.10	145.61	153.08	145.24
Provision for Credit Losses	17.43	14.62	15.12	11.97	11.95	26.80	13.33	12.15	11.10	10.21	10.03	7.72	0.06	24.22	0.03	0.10	33.86	(19.91)	(1.31)	(19.89)
Non-interest Income	47.94	44.20	51.71	(756.19)	42.35	46.16	43.56	17.13	43.30	43.18	21.97	42.78	44.98	45.84	44.65	43.02	40.18	42.22	43.44	48.55
Non-interest Expense	147.74	140.67	139.86	142.03	138.59	144.58	141.12	137.19	139.35	139.88	148.14	132.00	139.70	143.23	142.57	138.94	156.81	128.42	138.43	114.33
Pretax Income*	83.39	86.07	94.03	(723.52)	63.64	38.20	54.05	25.50	46.75	45.01	19.43	56.49	68.45	56.23	95.07	97.56	34.60	79.32	59.39	99.34
Tax Provision	16.70	17.53	15.95	(160.73)	8.87	5.81	5.73	0.76	5.99	6.13	(4.47)	9.24	10.14	10.64	11.81	16.96	7.15	14.23	11.16	18.77
Net Income	66.69	68.54	78.08	(562.79)	54.77	32.39	48.32	24.74	40.76	38.87	23.91	47.25	58.31	45.59	83.26	80.60	27.45	65.10	48.24	80.57
Basic EPS	0.46	0.47	0.36	(4.01)	0.43	0.26	0.39	0.20	0.32	0.31	0.19	0.38	0.46	0.36	0.65	0.63	0.21	0.58	0.41	0.75
Diluted EPS	0.46	0.47	0.36	(4.00)	0.43	0.26	0.38	0.20	0.32	0.31	0.19	0.37	0.46	0.36	0.64	0.63	0.21	0.58	0.41	0.74

* Derived from reported values

Cash Flow Statement

(in billions USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Operating Cash Flow	0.14	0.04	0.12	0.22	0.08	0.03	0.08	0.20	0.09	0.06	0.42	(0.04)	0.06	0.10	0.10	0.05	0.12	0.06	0.06	0.04
Capital Expenditures	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.03
Free Cash Flow*	0.13	0.03	0.11	0.22	0.07	0.02	0.07	0.19	0.07	0.05	0.41	(0.05)	0.05	0.09	0.09	0.04	0.11	0.05	0.05	0.01
Investing Cash Flow	(0.12)	(0.32)	(0.31)	1.81	0.09	(0.01)	0.39	0.06	(0.04)	(0.04)	(0.02)	0.25	(0.14)	(0.28)	(0.35)	(0.24)	(0.33)	(0.02)	0.25	(0.33)
Financing Cash Flow	0.01	0.12	0.27	(2.03)	(0.16)	(0.08)	(0.39)	(0.23)	(0.07)	(0.03)	(0.39)	(0.36)	0.30	0.02	0.26	(0.09)	(0.51)	-0.00	(0.44)	(0.27)

* Derived from reported values

Dividends Per Share

(USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Dividends Per Share	0.22	0.22	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.20	0.20	0.20	0.20	0.19	0.19	0.19	0.19	0.18	0.18