Simmons First National Corp. Enters Material Agreement

Ticker: SFNC · Form: 8-K · Filed: 2025-09-12T00:00:00.000Z

Sentiment: neutral

Topics: material-agreement, financial-obligation

TL;DR

Simmons First National Corp. just signed a big deal, creating a new financial obligation.

AI Summary

Simmons First National Corp. entered into a material definitive agreement on September 12, 2025. This agreement also created a direct financial obligation for the registrant. The filing includes financial statements and exhibits related to this event.

Why It Matters

This filing indicates a significant new financial commitment or partnership for Simmons First National Corp., which could impact its future financial performance and strategic direction.

Risk Assessment

Risk Level: medium — Entering into material definitive agreements and creating financial obligations can introduce new risks related to the terms of the agreement and the company's ability to meet its obligations.

Key Players & Entities

FAQ

What is the nature of the material definitive agreement entered into by Simmons First National Corp.?

The filing states that Simmons First National Corp. entered into a material definitive agreement, but the specific details of the agreement are not provided in this summary.

What type of financial obligation was created for Simmons First National Corp.?

The filing indicates the creation of a direct financial obligation or an obligation under an off-balance sheet arrangement for the registrant.

When was the earliest event reported in this 8-K filing?

The earliest event reported is dated September 12, 2025.

What are the principal executive offices of Simmons First National Corp.?

The principal executive offices are located at 501 Main Street, Pine Bluff, Arkansas 71601.

What is the SEC file number for Simmons First National Corp.?

The SEC file number for Simmons First National Corp. is 0-6253.

Filing Stats: 1,796 words · 7 min read · ~6 pages · Grade level 12.7 · Accepted 2025-09-12 16:15:21

Key Financial Figures

Filing Documents

Financial Statements and Exhibits

Financial Statements and Exhibits. (d) Exhibits The following exhibits are being filed or furnished herewith: Exhibit No. Document 4.1 Subordinated Indenture, dated March 26, 2018, by and between Simmons First National Corporation and Wilmington Trust, National Association, as Trustee (incorporated by reference to Exhibit 4.1 to Simmons First National Corporation's Current Report on Form 8-K filed on March 26, 2018 (File No. 000-06253)). 4.2 Second Supplemental Indenture, dated September 12, 2025, by and between Simmons First National Corporation and Wilmington Trust, National Association, as trustee. 4.3 Form of 6.25% Fixed-to-Floating Rate Subordinated Notes due 2035 (included in Exhibit 4.2). 5.1 Opinion of Troutman Pepper Locke LLP. 23.1 Consent of Troutman Pepper Locke LLP (included in Exhibit 5.1). 104 Cover Page Interactive Data File (embedded within the Inline XBRL document). SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. SIMMONS FIRST NATIONAL CORPORATION /s/ James M. Brogdon Date: September 12, 2025 James M. Brogdon President

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