Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 31

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 31
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 |     |          |         |     |                     |          |      |     |                         |            |      |     |               |        9.9 | % |     |               |         |     |                    |          |   |     |                |        9.9 | % |
| CET1 Ratio                                      |     |          |       12.4 | % |     |          |         |     |                     |          |      |     |                         |            |      |     |               |       11.5 | % |     |               |         |     |                    |          |   |     |                |       11.5 | % |
| Total Risk-Based Capital Ratio                  |     |          |       14.4 | % |     |          |         |     |                     |          |      |     |                         |            |      |     |               |       13.5 | % |     |               |         |     |                    |          |   |     |                |       14.5 | % |
| Regulatory CRE / Total Risk-Based Capital Ratio |     |          |      268.1 | % |     |          |         |     |                     |          |      |     |                         |            |      |     |               |      300.1 | % |     |               |         |     |                    |          |   |     |                |      279.8 | % |

| (1) | Investment securities transferred from                             
 held-to-maturity to available-for-sale valued as of June 30, 2025. |

| (2) | Represents change in accumulated other comprehensive loss due to transfer of investment securities from held-to-maturity to available-for-sale. |

| (3) | Reflects the sale of                                                                                                      
 available-for-sale investment securities in the Investment Securities Transaction and the redemption of the Spirit Notes. |

| (4) | Assumes that a portion of proceeds from sale of                     
 available-for-sale securities are used to redeem brokered deposits. |

| (5) | Redemption and repayment in full of the Spirit Notes was effective on July 31, 2025. |

| (6) | Assumes that a portion of proceeds from sale of                          
 available-for-sale securities are used to pay down wholesale borrowings. |

| (7) | Includes total after-tax, realized loss on securities available-for-sale sold in the Investment Securities Transaction, assuming an estimated 24.3% tax rate. |

|