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  <xs:element id="sfnc_PropertyPlantandEquipmentandRightofUseAssetafterAccumulatedDepreciationandAmortization" abstract="false" name="PropertyPlantandEquipmentandRightofUseAssetafterAccumulatedDepreciationandAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_DebtSecuritiesAllowanceforCreditLossTableTextBlock" abstract="false" name="DebtSecuritiesAllowanceforCreditLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="sfnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAfterAdjustments" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAfterAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_AgriculturalLoansMember" abstract="true" name="AgriculturalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_FinancingReceivablesEqualToGreaterThan30DaysPastDueMember" abstract="true" name="FinancingReceivablesEqualToGreaterThan30DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_DebtSecuritiesUnrealizedLossPositionQuantitativeDisclosurePercent" abstract="false" name="DebtSecuritiesUnrealizedLossPositionQuantitativeDisclosurePercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="sfnc_LegacyLoansMember" abstract="true" name="LegacyLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_ProceedsFromLoanOriginationsAndPrincipalCollectionsNet" abstract="false" name="ProceedsFromLoanOriginationsAndPrincipalCollectionsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_SubordinatedNotesPayableDue07312030Member" abstract="true" name="SubordinatedNotesPayableDue07312030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_DeferredTaxAssetsLoansAcquired" abstract="false" name="DeferredTaxAssetsLoansAcquired" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCustomerDepositsAfterAdjustments" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCustomerDepositsAfterAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherBorrowings" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_SecuritiesAvailableForSaleMember" abstract="true" name="SecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_InterestPayableFairValueDisclosure" abstract="false" name="InterestPayableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesTimeDeposits" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesTimeDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_FinancingReceivableCollateralDependentAmount" abstract="false" name="FinancingReceivableCollateralDependentAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_Range03Member" abstract="true" name="Range03Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_A2022ShareRepurchaseProgramMember" abstract="true" name="A2022ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sfnc_OtherSecuritiesMember" abstract="true" name="OtherSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_RiskParticipationAgreementsMember" abstract="true" name="RiskParticipationAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_CapitalConservationBuffer" abstract="false" name="CapitalConservationBuffer" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="sfnc_NonInterestBearingTransactionAccountsMember" abstract="true" name="NonInterestBearingTransactionAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_TypeofGuaranteeAxis" abstract="true" name="TypeofGuaranteeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="sfnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAndEquityAssumed" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAndEquityAssumed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedEquityAssumed" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedEquityAssumed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_LoansExcludingAcquiredLoansMember" abstract="true" name="LoansExcludingAcquiredLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_OtherConsumerLoansMember" abstract="true" name="OtherConsumerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_PropertyPlantandEquipmentandRightofUseAssetAccumulatedDepreciationandAmortization" abstract="false" name="PropertyPlantandEquipmentandRightofUseAssetAccumulatedDepreciationandAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_OtherLongTermDebtMember" abstract="true" name="OtherLongTermDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_BondAaAARatingMember" abstract="true" name="BondAaAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_BranchRightSizingExpense" abstract="false" name="BranchRightSizingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_TimeDepositsMember" abstract="true" name="TimeDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sfnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivablesAfterAdjustments" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivablesAfterAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_EffectiveIncomeTaxReconciliationBankOwnedLifeInsurance" abstract="false" name="EffectiveIncomeTaxReconciliationBankOwnedLifeInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_IncomeTaxBenefitRelatedToSecurityGainsLossesPercentage" abstract="false" name="IncomeTaxBenefitRelatedToSecurityGainsLossesPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="sfnc_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sfnc_DebtSecuritiesAvailableForSaleCreditLossExpenseReversal" abstract="false" name="DebtSecuritiesAvailableForSaleCreditLossExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
