Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 13

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 13
---
 the Notes, including our 5.00% 
 Fixed-to-Floating Rate Subordinated Notes due 2028 (the “2028 Notes”);                                                                                                               |

| • |     | will rank senior in right of payment and upon our liquidation to any of our future indebtedness the terms of                                                                          
 which provide that such indebtedness ranks junior in right of payment to promissory notes, bonds, debentures and other evidences of indebtedness of types that include the Notes; and |

| • |     | will be structurally subordinated to our existing and future indebtedness, deposits and other liabilities of the                                                                                                                              
 Company’s current and future subsidiaries, including without limitation, Simmons Bank’s liabilities to depositors in connection with the deposits, as well as liabilities to general creditors and liabilities arising in the ordinary course 
 of business or otherwise.                                                                                                                                                                                                                     |

| As of June 30, 2025, on a consolidated basis, our total liabilities totaled approximately $23.1 billion, which 
 includes approximately $21.8 billion of deposit liabilities. As of June 30, 2025, we also had                  |

S-8

| approximately $366.4 million of outstanding principal and accrued but unpaid interest related to subordinated debentures that rank equally with the Notes, of which $37.0 million related 
 to the Spirit Notes was redeemed in full on July 31, 2025.                                                                                                                                |

| The Indenture governing the Notes does not limit the amount of additional indebtedness we or our subsidiaries may incur. |

| Form and Denomination | The Notes will be offered in book-entry form only through the facilities of DTC in minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof. |

| Sinking Fund | There is no sinking fund for the Notes. |

| Further Issuances | The Notes will initially be limited to an aggregate principal amount of $325,000,000. We may, from time to time, without notice to or consent of the 
 holders of the Notes, increase the aggregate principal amount of the Notes outstanding by issuing additional Notes in the future with the            |

S-9

| same terms as the Notes, except for the issue date, the offering price and the first interest payment date, and such additional notes may be consolidated with the Notes issued in this offering                         
 and form a single series; provided that if any such additional notes are not fungible with the Notes for U.S. federal