Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 49

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 49
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 holders, or to obtain or to seek to obtain priority or preference over any other of such holders or to enforce any right under the Indenture, except in the manner provided in the Indenture and for the equal and ratable benefit of all holders of Notes. The Indenture requires the Trustee to notify the holders of the Notes within 90 days regarding the existence of any default actually known to the Trustee, unless the default has been cured or waived. In addition, in the case of a default in payment of principal of or interest on any Note, the Trustee may withhold notice of a default if and so long as the Trustee and/or responsible officers, the board of directors or certain committees of the board of directors in good faith determines that withholding the notice is in the interests of the holders of the Notes. For purposes of these requirements, a “default” means any event which is, or after notice or lapse of time or both would become, an event of default under the Indenture with respect to the Notes. We are required to deliver to the Trustee, within 120 days after the end of each of our fiscal years ending after the issue date of the Notes, a written statement from our applicable officers regarding whether we have fulfilled all of our obligations under the Indenture throughout the year and specifying any known default and its status. Modification and Waiver Except as set forth below, modification and amendment of the Indenture, or entry into a supplemental indenture applicable to the Notes may be made only when authorized by our board of directors and with the consent of the holders of not less than a majority in principal amount of the Notes affected by such supplemental indenture, voting together as a single class. Notwithstanding the foregoing, no modification or amendment of the Indenture as applicable to the Notes may:

| • |     | extend the fixed maturity of the Notes, or reduce the principal amount thereof or premium, if any, or reduce the    
 rate or extend the time of payment of interest thereon, without the consent of the holder of each Note so affected; |

| • |     | reduce the percentage in principal amount of outstanding Notes that is required for any supplemental indenture 
 without the consent of the holders of all Notes then outstanding;                                              |

| • |     | modify the subordination provision in a manner adverse to the holders of any Note without the consent of the 
 holders of all Notes then outstanding;                                                                       |

| • |     | waive a redemption payment with respect to the Notes without