Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 42

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 42
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 securities or other similar instruments; |

| • |     | all obligations in respect of letters of credit, security purchase facilities or bankers acceptances or similar 
 instruments (or reimbursement obligations with respect thereto);                                                |

| • |     | all obligations to pay the deferred purchase price of property or services, except trade accounts payable arising 
 in the ordinary course of business;                                                                               |

| • |     | all indebtedness of others guaranteed by Simmons or any of its subsidiaries or for which Simmons or any of its                                
 subsidiaries is legally responsible or liable (whether by agreement to purchase indebtedness of, or to supply funds or to invest in, others); |

S-27

| • |     | indebtedness secured by any mortgage, pledge, lien, charge, encumbrance or any security interest existing on                                                  
 property owned by Simmons but excluding any obligations of Simmons which are required (as opposed to elected) to be treated as capitalized leases under GAAP; |

| • |     | obligations associated with derivative products including, but not limited to, interest rate and currency future                                                                                                                                          
 or exchange contracts, foreign exchange contracts, swap agreements (including interest rate and foreign exchange rate swap agreements), cap agreements, floor agreements, collar agreements, options, interest rate future or option contracts, commodity 
 contracts, and similar arrangements;                                                                                                                                                                                                                      |

| • |     | purchase money and similar obligations; |

| • |     | obligations to general creditors of Simmons; |

| • |     | a deferred obligation of, or any such obligation, directly or indirectly guaranteed by, Simmons which obligation                                                  
 is incurred in connection with the acquisition of any business, properties or assets not evidenced by a note or similar instrument given in connection therewith; |

| • |     | interest or obligations in respect of any of the foregoing accruing after the commencement of insolvency or 
 bankruptcy proceedings; and                                                                                 |

| • |     | any renewals, amendments, deferrals, supplements, extensions, refundings or replacements of any of the foregoing. |

With respect to the Notes, Senior Indebtedness excludes:

| • |     | any such indebtedness, obligation or liability referred to above as to which, in the instrument creating or                                                                                                            
 evidencing the same or pursuant to which the same is outstanding, it is provided that such indebtedness, obligation or liability is not superior in right of payment to the Notes, or ranks pari passu with the Notes; |

| • |     | any such indebtedness, obligation or liability which is subordinated