Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 0

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 0
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Filed Pursuant to Rule 424(b)(5)
Registration No. 333-279502 PROSPECTUS SUPPLEMENT (To Prospectus dated May 17, 2024) $325,000,000 Simmons First National Corporation 6.25% Fixed-to-FloatingRate Subordinated Notes due 2035 We are offering $325,000,000 aggregate principal amount of 6.25% fixed-to-floatingrate subordinated notes due 2035 (the “Notes”) pursuant to this prospectus supplement and the accompanying prospectus. The Notes will be offered in minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof. The Notes will mature on October 1, 2035 (the “Maturity Date”). From and including the date of original issuance to, but excluding, October 1, 2030 or the date of earlier redemption (the “fixed rate period”), the Notes will bear interest at an initial rate of 6.25% per annum, payable semi-annually in arrears on April 1 and October 1 of each year, commencing on April 1, 2026. The last interest payment date for the fixed rate period will be October 1, 2030. From and including October 1, 2030 to, but excluding, the Maturity Date or the date of earlier redemption (the “floating rate period”), the Notes will bear interest at a floating rate per annum equal to a benchmark rate (which is expected to be Three-Month Term SOFR (as defined herein)), plus 302 basis points, payable quarterly in arrears on January 1, April 1, July 1 and October 1 of each year, commencing on January 1, 2031. Notwithstanding the foregoing, in the event that the Three-Month Term SOFR is less than zero, the Three-Month Term SOFR shall be deemed to be zero. We may, at our option, beginning with the interest payment date of October 1, 2030 and on any interest payment date thereafter, redeem the Notes, in whole or in part. The Notes will not otherwise be redeemable by us prior to maturity, unless certain events occur, as described under “Description of the Notes — Redemption” in this prospectus supplement. The redemption price for any redemption is 100% of the principal amount of the Notes, plus accrued and unpaid interest thereon to, but excluding, the date of redemption.