Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 9

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 9
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-Q for the quarter ended June 30, 2025 and in our
other filings with the SEC incorporated by reference herein, which are available at the SEC’s website www.sec.gov.

S-4

SUMMARY

The following summary provides a brief overview of certain information appearing elsewhere in this prospectus supplement and the documents incorporated by reference herein, which are described under “Incorporation by Reference.” Because it is a summary, it does not contain all the information that may be important to you. Before making an investment decision to purchase the Notes offered hereby, you should read this entire prospectus supplement and the accompanying prospectus carefully, including the section entitled “Risk Factors” in this prospectus supplement, and the documents incorporated by reference herein and in the accompanying prospectus, including the financial statements and the accompanying notes contained in such documents.

Our Company

Simmons First National Corporation, an Arkansas corporation organized in 1968, is a financial holding company registered under the
Bank Holding Company Act of 1956, as amended. The Company is headquartered in Pine Bluff, Arkansas, and had total consolidated assets of $26.69 billion, total consolidated loans of $17.11 billion, total consolidated deposits of
$21.82 billion and equity capital of $3.55 billion, each as of June 30, 2025. The Company, through its subsidiaries, provides banking and other financial products and services in markets located in Arkansas, Kansas, Missouri,
Oklahoma, Tennessee and Texas.

We seek to build shareholder value by, among other things, focusing on strong asset quality, maintaining
strong capital, managing our liquidity position, improving our operational efficiency and opportunistically growing our business, both organically and through mergers with and acquisitions of other financial institutions. Our business philosophy
centers on building strong, deep customer relationships through excellent customer service and integrity in our operations. While we have grown in recent years into a regional financial institution and one of the largest bank/financial holding
companies headquartered in the State of Arkansas, we continue to emphasize, where practicable, a community-based mindset focused on local associates responding to local banking needs and making business decisions in the markets they serve. Those
efforts, though, are buttressed by experienced, centralized support functions in select, critical areas. While we serve a variety of customers and industries, we are not dependent on any single customer or industry.

Our common stock is traded on the Nasdaq Global Select Market under the symbol “SFNC.”

Our principal executive offices are