Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 60

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 60
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. We must notify you of changes in the paying agents. Governing Law The Indenture provides that the Notes will be governed by, and construed in accordance with, the laws of the State of New York. Tier 2 Capital The Notes are intended to qualify as Tier 2 capital under the capital adequacy rules established by the Federal Reserve for bank holding companies, as the same may be amended or supplemented from time to time. The rules set forth specific criteria for instruments to qualify as Tier 2 capital. Among other things, the Notes must:

| • |     | be unsecured; |

| • |     | have a minimum original maturity of at least five years; |

| • |     | be subordinated to our depositors and general creditors; |

| • |     | not contain provisions permitting the holders of the Notes to accelerate payment of principal prior to maturity                           
 except in the event of receivership, insolvency, liquidation or similar proceedings of a bank holding company or a major bank subsidiary; |

S-39

| • |     | only be callable after a minimum of five years following issuance, except upon the occurrence of a “Tax                                                                                                                             
 Event” or a “Tier 2 Capital Event” (as such terms are defined in the Indenture) or if we are required to register as an investment company pursuant to the Investment Company Act of 1940, as amended, and, in any case, subject to 
 obtaining the prior approval of the Federal Reserve to the extent such approval is then required under the rules of the Federal Reserve; and                                                                                        |

| • |     | unless the Federal Reserve authorizes us to do otherwise in writing, not be redeemed or repurchased unless they                                                                                                                     
 are replaced with an equivalent amount of other Tier 2 capital instruments or we can demonstrate to the satisfaction of the Federal Reserve that following redemption, we will continue to hold capital commensurate with our risk. |

Clearance and Settlement The Notes will be represented by one or more global certificates, which we refer to individually as a Global Note and collectively as the Global Notes, deposited with or on behalf of DTC and registered in the name of Cede & Co. or another nominee of DTC. The Notes will be available for purchase in minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof in book-entry form only. So long as DTC or any successor depositary, which we refer to collectively as the “Depositary,” or its nominee is the registered