Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 54

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 54
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 under the Indenture; and (c) we have delivered an officer’s certificate and opinion of counsel confirming that all conditions precedent with respect to the satisfaction and discharge of the Indenture have been satisfied. Upon demand of and at our cost and expense, the Trustee will execute such instruments reasonably requested by us acknowledging the satisfaction and discharge of the Indenture with respect to the Notes. Consolidation, Merger and Sale of Assets The Indenture provides that we may not consolidate with or merge with or into, or convey, transfer or lease all or substantially all of our properties and assets to any person, and we may not permit any other person to consolidate with or merge into us or to convey, transfer or lease all or substantially all of its properties and assets to us, unless:

| • |     | we are either the continuing corporation or the successor corporation is a corporation organized and existing                                                                                          
 under the laws of the United States or a state thereof or the District of Columbia and expressly assumes the due and punctual payment of the principal, premium, if any, and interest on all the Notes |

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| according to their tenor, and the due and punctual performance and observance of all of the covenants and conditions of the Indenture to be performed by us by supplemental indenture, executed and 
 delivered to the Trustee by such successor corporation;                                                                                                                                             |

| • |     | neither we nor such successor corporation, immediately after giving effect to such merger, consolidation, sale or 
 conveyance, will be in default in the performance of any covenant or condition under the Indenture; and           |

| • |     | we shall have delivered to the Trustee an officer’s certificate and an opinion of counsel, each stating                                                                              
 that the transaction complies with the terms of the Indenture and that all conditions precedent in such Indenture provided for relating to such transaction have been complied with. |

In the case of any such consolidation or merger, sale or conveyance and upon any such assumption by the successor corporation, the successor corporation shall succeed to, and be substituted for, us under the Indenture with the same effect as if it had been an original party to such Indenture. As a result, we will be released from all our liabilities and obligations under the Indenture and under the Notes issued thereunder. Further Issuances If no Event of Default has occurred and is continuing with respect to the Notes, we may, from time to time, without