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  <xs:element id="sfnc_InterestBearingBalancesDueFromBanksTime" abstract="false" name="InterestBearingBalancesDueFromBanksTime" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_ThresholdPercentageOfNetProfitsExceededByDividendsDeclaredAnyCalendarYear" abstract="false" name="ThresholdPercentageOfNetProfitsExceededByDividendsDeclaredAnyCalendarYear" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="sfnc_TransfersOfOtherRealEstateOwnedToPremisesHeldForSale" abstract="false" name="TransfersOfOtherRealEstateOwnedToPremisesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_TransferOfPropertyToHeldForSale" abstract="false" name="TransferOfPropertyToHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_ProceedsFromDivestitureOfBusinessesNetOfLiabilities" abstract="false" name="ProceedsFromDivestitureOfBusinessesNetOfLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_OtherCommercialLoansMember" abstract="true" name="OtherCommercialLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sfnc_StockUnitsMember" abstract="true" name="StockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sfnc_IncomeTaxRateReconciliationTaxExemptInterestIncome" abstract="false" name="IncomeTaxRateReconciliationTaxExemptInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_DebtSecuritiesUnrealizedLossPositionQuantitativeDisclosurePercent" abstract="false" name="DebtSecuritiesUnrealizedLossPositionQuantitativeDisclosurePercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="sfnc_SoftwareandTechnologyExpense" abstract="false" name="SoftwareandTechnologyExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_DeferredTaxAssetsOnForeclosedAssets" abstract="false" name="DeferredTaxAssetsOnForeclosedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_DeferredTaxAssetsAcquiredSecurities" abstract="false" name="DeferredTaxAssetsAcquiredSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_DebtSecuritiesAllowanceforCreditLossTableTextBlock" abstract="false" name="DebtSecuritiesAllowanceforCreditLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="sfnc_CriticizedAndPastDueMember" abstract="true" name="CriticizedAndPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sfnc_InterestandFeeIncomeMortgageLoansHeldforsale" abstract="false" name="InterestandFeeIncomeMortgageLoansHeldforsale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_DebtSecuritiesHeldtomaturityInterestReceivable" abstract="false" name="DebtSecuritiesHeldtomaturityInterestReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_NumberOfEnergyCredits" abstract="false" name="NumberOfEnergyCredits" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="sfnc_OtherBorrowingsFairValueDisclosure" abstract="false" name="OtherBorrowingsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_Range04Member" abstract="true" name="Range04Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sfnc_Range05Member" abstract="true" name="Range05Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sfnc_ProceedsFromPaymentsForIssuanceofSharesSharebasedPaymentArrangementIncludingOptionExercisedAndCanceled" abstract="false" name="ProceedsFromPaymentsForIssuanceofSharesSharebasedPaymentArrangementIncludingOptionExercisedAndCanceled" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_DerivativeInstrumentCovenantMaximumOutstandingNotionalContractAmountPercentOfAssets" abstract="false" name="DerivativeInstrumentCovenantMaximumOutstandingNotionalContractAmountPercentOfAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="sfnc_OtherBusinessAssetsMember" abstract="true" name="OtherBusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sfnc_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_DeferredTaxAssetsOperatingLeaseLiabilities" abstract="false" name="DeferredTaxAssetsOperatingLeaseLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_InterestIncomeSecuritiesOperatingByNonTaxableStatusAbstract" abstract="true" name="InterestIncomeSecuritiesOperatingByNonTaxableStatusAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sfnc_Range03Member" abstract="true" name="Range03Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
