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  <xs:element id="sfnc_ProceedsFromPaymentsForIssuanceOfSharesShareBasedPaymentArrangementIncludingOptionExercisedAndCanceled" abstract="false" name="ProceedsFromPaymentsForIssuanceOfSharesShareBasedPaymentArrangementIncludingOptionExercisedAndCanceled" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_FinancingReceivablesEqualToGreaterThan30DaysPastDueMember" abstract="true" name="FinancingReceivablesEqualToGreaterThan30DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="sfnc_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_DebtSecuritiesAvailableForSaleCreditLossExpenseReversal" abstract="false" name="DebtSecuritiesAvailableForSaleCreditLossExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_NumberOfTaxFreeReorganizationTransactions" abstract="false" name="NumberOfTaxFreeReorganizationTransactions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="sfnc_LongTermDebtFairValueValuationAdjustment" abstract="false" name="LongTermDebtFairValueValuationAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_AdvancesFromFederalHomeLoanBankAvailable" abstract="false" name="AdvancesFromFederalHomeLoanBankAvailable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_ThresholdPercentageOfNetProfitsExceededByDividendsDeclaredCombinedWithPrecedingYear" abstract="false" name="ThresholdPercentageOfNetProfitsExceededByDividendsDeclaredCombinedWithPrecedingYear" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="sfnc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedWeightedAverageExercisePrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="sfnc_TransfersOfLoansToForeclosedAssetsHeldForSaleMember" abstract="true" name="TransfersOfLoansToForeclosedAssetsHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="sfnc_IncomeLossBeforeProvisionForCreditLossesAndIncomeTaxes" abstract="false" name="IncomeLossBeforeProvisionForCreditLossesAndIncomeTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sfnc_CommitmentsToOriginateMortgageLoansTerm" abstract="false" name="CommitmentsToOriginateMortgageLoansTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <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_RiskParticipationAgreementsMember" abstract="true" name="RiskParticipationAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sfnc_DerivativeInstrumentCovenantMaximumOutstandingNotionalContractAmountPercentOfAssets" abstract="false" name="DerivativeInstrumentCovenantMaximumOutstandingNotionalContractAmountPercentOfAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
</xs:schema>
