Simmons First National Corporation Reports First Quarter EPS of $0.47

PINE BLUFF, Ark., April 16, 2026 /PRNewswire/ -- Financial Highlights 1Q26 4Q25 1Q25 1Q26 Highlights Income Statement Summary (in millions) Comparisons reflect 1Q26 vs 4Q25unless 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.