Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 33

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 33
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 2,518,286 |   |     |           |  2,845,092 |   |     |                        |  2,845,092 |    |
| Undivided profits                                                                      |     |                     |  1,410,564 |   |     |           |    803,835 |   |     |                        |    803,204 |    |
| Accumulated other comprehensive loss                                                   |     |                     |   (380,900 | ) |     |           |   (275,234 | ) |     |                        |   (275,234 |  ) |
| Total stockholders’ equity                                                             |     | $                   |  3,549,210 |   |     | $         |  3,375,140 |   |     | $                      |  3,374,509 |    |
| Total liabilities and stockholders’ equity                                             |     | $                   | 26,693,620 |   |     | $         | 24,091,451 |   |     | $                      | 24,082,701 |    |

| (1) | Excludes the Spirit Notes and the 2028 Notes. |

| (2) | Represent the aggregate principal amount of the Notes, reduced by the underwriting discount of 1.0% and 
 estimated offering expenses of $500 thousand.                                                           |

S-22

DESCRIPTION OF NOTES

We will issue the Notes under a Subordinated Indenture between Simmons, as the issuer, and Wilmington Trust, National Association, as trustee (the “Trustee”), dated March 26, 2018 (the “Base Indenture”), as supplemented by a Second Supplemental Indenture between Simmons and the Trustee, to be dated as of the issue date (the “Second Supplemental Indenture”). We refer to the Base Indenture, as supplemented by the Second Supplemental Indenture, as the “Indenture.” You may request a copy of the Indenture from us as described under “Where You Can Find More Information.” We have summarized the material terms of the Indenture and the Notes below, but the summary does not purport to be complete and is subject to and qualified in its entirety by reference to the Indenture and the Notes. The following description of the terms of the Indenture and the Notes supplements and, to the extent inconsistent therewith, replaces and supersedes the description of the general terms and