Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 50

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 50
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 the consent of the holders of all Notes then 
 outstanding; or                                                                                           |

| • |     | modify such provisions with respect to modification and waiver without the consent of the holders of all Notes 
 then outstanding.                                                                                              |

In addition, the holders of a majority in aggregate principal amount of the outstanding Notes may, on behalf of all holders of Notes, waive compliance by us with certain terms, conditions and provisions of the Indenture, as well as any past default and/or the consequences of default, other than any default in the payment of principal or interest or any breach in respect of a covenant or provision that cannot be modified or amended without the consent of the holder of each outstanding Note. S-32

In addition, we and the Trustee may modify and amend the Indenture without the consent of any holders of Notes for any of the following purposes:

| • |     | to evidence the succession of another corporation to Simmons and provide for the successor’s assumption of 
 the covenants, agreements and obligations under the Indenture and the Notes issued thereunder;             |

| • |     | to add further covenants, restrictions, conditions or provisions as our board of directors considers to be for                                                                                                                                            
 the protection of the holders of the Notes, and to make the occurrence, or the occurrence and continuance, of a default in any of such additional covenants, restrictions, conditions or provisions an Event of Default permitting the enforcement of all 
 or any of the remedies provided under the Indenture, with such period of grace and subject to such conditions as such supplemental indenture may provide;                                                                                                 |

| • |     | to add or change any of the provisions of the Indenture to provide that the Notes may be registrable as to                                                                                                                                                
 principal, to change or eliminate any restrictions on the payment of principal of or any premium or interest on Bearer Securities, to permit Bearer Securities to be issued in exchange for Registered Securities, to permit Bearer Securities to be      
 issued in exchange for Bearer Securities of other authorized denominations or to permit or facilitate the issuance of Notes in uncertificated form; provided, that no such action shall adversely affect the interests of the holders of the Notes or any 
 related coupons in any material respect;                                                                                                                                                                                                                  |

| • |     | to modify, eliminate or add provisions of the Indenture in order to effect the qualification of the applicable                                                                                                           
 indenture under the Trust Indenture Act of 1939, as amended (the “