Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 51

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 51
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Trust Indenture Act”), and to add such other provisions as may be expressly permitted by the Trust Indenture Act, excluding Section 316(a)(2) thereof; |

| • |     | to modify, eliminate or add to any provisions of the Indenture; provided that any such change or elimination             
 becomes effective only when there are no outstanding debt securities or does not apply to any outstanding debt security; |

| • |     | (i) to cure any ambiguity or to correct or supplement any provision in the indenture or any supplemental                                                                                                                                                
 indenture which may be defective or inconsistent with any other provision, (ii) to convey, transfer, assign, mortgage or pledge any property to or with the trustee or (iii) to make such other provisions in regard to matters or questions            
 arising under the Indenture; provided, that no such provision, shall adversely affect in any material respect the interests of the holders of the debt securities or any related coupons, including provisions necessary or desirable to provide for or 
 facilitate the administration of the trusts;                                                                                                                                                                                                            |

| • |     | to secure any of the Notes; and |

| • |     | to evidence and provide for the acceptance and appointment by a successor trustee with respect to the Notes of                                                               
 one or more series and to add or change any provisions of the Indenture as necessary to provide for or facilitate the administration of the trusts by more than one trustee. |

The Trustee shall not be obligated to enter into any amendment or supplemental indenture, which adversely affects the Trustee’s own rights, duties or immunities under the Indenture or otherwise. Not in limitation of the foregoing, without the consent of any holders of Notes, we and the Trustee, may amend or supplement the Indenture or the Notes (i) to conform the terms of the Indenture and the Notes to the description of the Notes in this prospectus supplement relating to the offering of the Notes or (ii) to implement any benchmark transition provisions after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred (or in anticipation thereof). The Trustee shall be entitled to receive an officer’s certificate and opinion of counsel confirming that all conditions precedent are satisfied with respect to any supplemental indenture, that such supplemental indenture is authorized and permitted and that such supplemental indenture is the legal, valid and binding obligation of Simmons, enforceable against it in accordance with its terms. S-33

Subject to the requirements for the holders to waive a default and to pursue a