Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 22

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 22
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 the Notes, inasmuch as the ratings do

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not comment as to market price or suitability for a particular investor, are limited in scope, and do not address all material risks relating to an investment in the Notes, but rather reflect
only the view of each rating agency at the time the rating is issued. The credit ratings assigned to the Notes may not reflect the potential impact of all risks related to structure and other factors on any trading market for, or trading value of,
the Notes. In addition, real or anticipated changes in our credit ratings will generally affect the trading market for, or the trading value of, the Notes. Accordingly, you should consult your own financial and legal advisors as to the risks
entailed by an investment in the Notes and the suitability of investing in the Notes in light of your particular circumstances.

Our board of directors and management will have broad discretion in allocating the net proceeds of the offering. Our failure to effectively utilize such net proceeds may have an adverse effect on our financial performance.

We intend to use the net proceeds from this offering as set forth under “Use of Proceeds.” However, we are not required to apply
any portion of the net proceeds of this offering for any particular purpose, and our management could use the proceeds for purposes other than those contemplated at the time of this offering. Accordingly, our board of directors and management will
have broad discretion in the application of the net proceeds from this offering, and you will be relying on the judgment of our management regarding the application of these proceeds. You will not have the opportunity, as part of your investment
decision, to assess whether we are using the proceeds appropriately. Our management might not apply our net proceeds in ways that ultimately increase the value of your investment. If we do not invest or apply the net proceeds from this offering in
ways that enhance shareholder value, we may fail to achieve expected financial results, which could have an adverse effect on our financial performance. See “Use of Proceeds.”

The amount of interest payable on the Notes will vary after October 1, 2030.

During the fixed rate period, the Notes will bear interest at an initial rate of 6.25% per annum. Thereafter, the Notes will bear interest at a
floating rate per annum equal to the Benchmark rate (which is expected to be Three-Month Term SOFR) plus 302 basis points, subject to the provisions under “Description of the Notes — Interest.” The per annum interest rate that
is determined at the Reference Time