<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
<!-- Created: Fri Mar 10 19:53:17 UTC 2023 -->
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  <xs:annotation>
    <xs:appinfo>
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      <link:linkbaseRef xlink:type="simple" xlink:href="sfnc-20221231_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="sfnc-20221231_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>
      <link:roleType roleURI="http://www.simmonsbank.com/role/AdditionalDimensions" id="sfnc_r_AdditionalDimensions">
        <link:definition>999000 - Disclosure - Pay vs Performance Disclosure - Additional Dimensions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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  <xs:import namespace="http://xbrl.sec.gov/ecd/2022q4" schemaLocation="https://xbrl.sec.gov/ecd/2022q4/ecd-2022q4.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2022" schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd-sub/2022q4" schemaLocation="https://xbrl.sec.gov/ecd/2022q4/ecd-sub-2022q4.xsd"/>
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  <xs:element name="MrMakrisMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_MrMakrisMember"/>
  <xs:element name="PensionAdjustmentsPriorServiceCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_PensionAdjustmentsPriorServiceCostMember"/>
  <xs:element name="PensionAdjustmentsServiceCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_PensionAdjustmentsServiceCostMember"/>
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  <xs:element name="TotalEquityAwardsAdjustmentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_TotalEquityAwardsAdjustmentsMember"/>
  <xs:element name="TotalNetAdjustmentsForEquityAwardsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_TotalNetAdjustmentsForEquityAwardsMember"/>
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  <xs:element name="YearOverAverageChangeInFairValuesOfEquityAwardsGrantedAndVestedInTheYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_YearOverAverageChangeInFairValuesOfEquityAwardsGrantedAndVestedInTheYearMember"/>
  <xs:element name="YearOverYearAverageChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_YearOverYearAverageChangeInFairValueOfEquityAwardsGrantedInPriorYearsThatVestedInTheYearMember"/>
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  <xs:element name="YearOverYearChangeInFairValueOfOutstandingAndUnvestedEquityAwardsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_YearOverYearChangeInFairValueOfOutstandingAndUnvestedEquityAwardsMember"/>
  <xs:element name="YearendFairValueOfAwardsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="sfnc_YearendFairValueOfAwardsMember"/>
</xs:schema>
