Company: SFNC
Filing Date: 2025-07-23
Form Type: 424B5
Source: 0001193125-25-162761
Chunk: 14

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-07-23
Form: 424B5
Chunk 14
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     |               |        12.4 | % |     |                 |            |    |     |            |          |      |     |                  |            |      |     |                  |        11.3 | % |
| Total Risk Based Capital Ratio                  |     |               |        14.4 | % |     |                 |            |    |     |            |          |      |     |                  |            |      |     |                  |        13.5 | % |
| Regulatory CRE / Total Risk-Based Capital Ratio |     |               |         268 | % |     |                 |            |    |     |            |          |      |     |                  |            |      |     |                  |         301 | % |

| (1) | Consists primarily of core deposit intangibles, book of business intangibles, and mortgage servicing rights. |

| (2) | Assumes $300.1 million of gross proceeds from common equity offering, underwriting discounts and 
 commissions of 5%, and $1.0 million of pre-tax offering expenses.                                |

| (3) | Shares issued at an offering price per share of $18.50. |

| (4) | Investment securities transferred from                             
 held-to-maturity to available-for-sale valued as of June 30, 2025. |

| (5) | Change in accumulated other comprehensive loss due to transfer of investment securities from held-to-maturity to available-for-sale. |

| (6) | Financial information as of June 30, 2025. Assumes securities with market value of $2.4 billion 
 are sold and a reinvestment of $500 million of securities.                                      |

| (7) | Assumes proceeds from capital raise used to redeem brokered deposits and pay down other borrowings. |

| (8) | Includes total after-tax, realized loss on securities. |

| (9) | Net impact of divested securities which assume an average risk weight of 32.9%. |

S-12

Non-GAAPFinancial Measures We supplement our financial results that are determined in accordance with Generally Accepted Accounting Principles (GAAP) with non-GAAPfinancial measures, such as adjusted net income, adjusted diluted EPS and the tangible common equity ratio. This supplemental information is not required by and is not presented in accordance with GAAP. We refer to these financial measures and ratios as “non-GAAPfinancial measures” and they should not be considered in isolation or as a substitute for