Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 1

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 1
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 Any early redemption of the Notes will be subject to the receipt of the approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”) to the extent then required under applicable laws or regulations, including capital regulations. The Notes will be unsecured subordinated obligations, will rank pari passu, or equally, with all of our future unsecured subordinated debt and will be junior to all of our existing and future senior debt. The Notes will be structurally subordinated to all existing and future liabilities of our subsidiaries and will be effectively subordinated to our existing and future secured indebtedness. There will be no sinking fund for the Notes. The Notes will be obligations of Simmons First National Corporation only and will not be obligations of, and will not be guaranteed by, any of Simmons First National Corporation’s subsidiaries. For a more detailed description of the Notes, see “Description of the Notes.” Prior to this offering, there has been no public market for the Notes. The Notes will not be listed on any securities exchange or included in any automated quotation system. The Notes are not savings accounts, deposits or other obligations of any of our bank or non-banksubsidiaries, and are not insured or guaranteed by the Federal Deposit Insurance Corporation (the “FDIC”) or any other governmental agency. The Notes are ineligible as collateral for a loan or extension of credit from Simmons First National Corporation or any of its subsidiaries. None of the U.S. Securities and Exchange Commission (the “SEC”), any state securities commission or banking agency, the FDIC, the Board of Governors of the Federal Reserve or any other regulatory body has approved or disapproved of the Notes or passed upon the accuracy or adequacy of this prospectus supplement or the accompanying prospectus. Any representation to the contrary is a criminal offense. Investing in the Notes involves risks. Before investing in the Notes, potential purchasers of the Notes should consider the information set forth in the “ Risk Factors” section beginning on page S-11,in our Annual Report on Form 10-Kfor the year ended December 31, 2024 and in our Quarterly Report on Form 10-Qfor the quarter ended June 30, 2025, which are incorporated herein by reference.

|                                  |     | Per Note |        |   |     | Total |             |
|:---------------------------------|:----|:---------|-------:|:--|:----|:------|------------:|
| Public offering price(1)         |     |          | 100.00 | %