Company: SFNC
Filing Date: 2025-09-10
Form Type: 424B5
Source: 0001193125-25-200113
Chunk: 34

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-09-10
Form: 424B5
Chunk 34
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 provisions of the subordinated debt securities in the accompanying prospectus.

You should read the Indenture and the Notes because they, and not this description, define your rights as holders of the Notes. For purposes of this section, references to “Simmons,” “we,” “us” and “our” include only Simmons First National Corporation and not any of its subsidiaries.

General

The Notes will be unsecured and
subordinated obligations of Simmons and will be issued as a series of debt securities under the Indenture in an initial aggregate principal amount of $325 million. The Notes are not guaranteed by Simmons Bank or any of our other subsidiaries or
affiliates, or any other person. We may, from time to time, without notice to or the consent of the holders of the Notes, create and issue additional notes ranking equally with the Notes and with identical terms in all respects (or in all respects
except for the offering price, the payment of interest accruing prior to the issue date of such additional notes or except for the first payment of interest following the issue date of such additional notes); provided, that a separate CUSIP
number will be issued for any such additional notes unless such additional notes are fungible with the Notes for U.S. federal income tax purposes, subject to the procedures of The Depository Trust Company (with its successors, “DTC”).

The Notes will mature on October 1, 2035 (the “Maturity Date”), unless previously redeemed or otherwise accelerated. Payment
of principal on the Notes may be accelerated only in the case of certain events of bankruptcy or insolvency. See “— Events of Default; Acceleration of Payment; Limitation on Suits.”

Beginning with the interest payment date of October 1, 2030, and on any interest payment date thereafter, we may, at our option, subject to
obtaining the prior approval of the Federal Reserve (or any successor bank regulatory agency) to the extent such approval is then required under the rules of the Federal Reserve (“Federal Reserve Approval”), redeem the Notes, in whole or
in part, 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. The Notes may not be redeemed by us prior to October 1, 2030, except that we may, at
our option, subject to Federal Reserve Approval, redeem the Notes in whole, but not in part, prior to maturity upon the