Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 35

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 35
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 occurrence of a “Tax Event” or a “Tier 2 Capital Event” (as such terms are defined in the Indenture) or
if we are required to register as an investment company pursuant to the Investment Company Act of 1940, as amended, in each case, at a price equal to 100% of the principal amount of the Notes to be redeemed plus any accrued and unpaid interest to,
but excluding, the redemption date. Any partial redemption will be made in accordance with the applicable procedures of DTC. See “— Redemption.”

The Notes are not convertible into, or exchangeable for, equity securities, other securities or assets of Simmons or its subsidiaries. There
is no sinking fund for the Notes. Except as described below under “— Clearance and Settlement,” the Notes will be represented by one or more global certificates deposited with or on behalf of DTC and registered in the name of
Cede & Co. or another nominee of DTC. The Notes will be issued and may be transferred only in minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof in book-entry form only. See “— Clearance and
Settlement.”

S-23

As a bank holding company, our ability to make payments on the Notes will depend primarily
on the receipt of interests and other distributions from Simmons Bank. There are various regulatory restrictions on the ability of Simmons Bank to pay dividends or make other distributions to us. See “Risk Factors — Payments on the Notes
will depend on receipt of dividends and distributions from our subsidiaries” and “Risk Factors — Regulatory guidelines may restrict our ability to pay the principal of, and accrued and unpaid interest on, the Notes, regardless of
whether we are the subject of an insolvency proceeding” in this prospectus supplement.

Delivery of reports, information and
documents (including, without limitation, reports contemplated in this section) to the Trustee is for information purposes only, and the Trustee’s receipt thereof shall not constitute actual or constructive notice of any information contained
therein or determinable from information contained therein, including our compliance with covenants under the Indenture and the Notes, as to which the Trustee is entitled to rely exclusively on officers’ certificates.

No recourse will be available for the payment of principal of, or interest on, any Note, for any claim based thereon, or otherwise in respect
thereof, against any shareholder, employee, officer or director, as such, past, present or future, of Simmons or