Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 15

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 15
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 risks and uncertainties described under the heading “Risk Factors” beginning on page 4 of the accompanying prospectus, under the heading “Part I. Item 1A. Risk Factors” in our Annual Report, and in our Quarterly Report on Form 10-Q for the quarter ended June 30, 2025, as updated by our subsequent filings with the SEC. Any of these risks, if they are realized, could have an adverse effect on our business, financial condition and results of operations, and consequently, the value of the Notes. In any such case, you could lose all or a portion of your original investment. Further, additional risks and uncertainties not currently known to us or that we currently believe to be immaterial may also adversely affect us. This prospectus supplement also contains forward-looking statements that involve risks and uncertainties. See the section entitled “Cautionary Note Regarding Forward-Looking Statements.”

The Notes will be unsecured and subordinated to our existing and future Senior Indebtedness.

The Notes will be our unsecured, subordinated obligations. Accordingly, they will be junior in right of payment to any existing and all future
senior indebtedness, and in certain events of insolvency, to other financial obligations as described under “Description of the Notes.” Our senior indebtedness includes all indebtedness, except indebtedness that is expressly subordinated
to or ranked pari passu with the Notes, subject to certain exceptions. The Notes will rank equally with all other unsecured subordinated indebtedness of the Company issued in the future under the Indenture. In addition, the Notes will be
structurally subordinated to all existing and future indebtedness, liabilities and other obligations, including deposits, of our subsidiaries, including Simmons Bank. As of June 30, 2025, the Company’s outstanding indebtedness and other
liabilities totaled approximately $23.1 billion, which includes approximately $21.8 billion of deposits and $617.8 million of FHLB advances that rank structurally senior to the Notes, $16.5 million of other long-term debt that
ranks senior to the Notes, and $366.4 million of outstanding subordinated debt securities that rank equal in right of payment to the Notes. On July 31, 2025, we redeemed $37.0 million of our outstanding Spirit Notes. We intend to use
the net proceeds from this offering, together with cash on hand, if needed, to repay our outstanding $330 million of the 2028 Notes and