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South Plains Financial (SPFI) investor relations material
South Plains Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $16.3 million, up from $14.6 million in Q2 2025, with diluted EPS rising to $0.96 from $0.86 sequentially, and return on average assets improving to 1.47%.
Tangible book value per share increased to $28.14 from $26.70 in Q2 2025, and the company redeemed $50 million in subordinated debt.
Investments in talent and technology have positioned the company for scalable growth, with active recruitment to expand the lending team by up to 20%.
Engaged in discussions with potential acquisition targets that fit the company’s conservative culture and criteria.
Deposit growth was strong, with total deposits rising to $3.88 billion, reflecting organic growth in both retail and commercial segments.
Financial highlights
Net interest income was $43.0 million, up from $42.5 million sequentially; net interest margin was 4.05% (3.99% excluding one-time items).
Noninterest income was $11.2 million, down from $12.2 million, mainly due to lower mortgage banking revenues.
Noninterest expense was $33.0 million, down from $33.5 million in Q2 2025, mainly due to lower professional service expenses.
Provision for credit losses dropped to $500 thousand from $2.5 million in Q2 2025.
Efficiency ratio improved to 60.7% from 61.1% sequentially.
Outlook and guidance
Management expects loan paydowns to moderate and loan growth to accelerate in 2026, aided by lending platform expansion and new hires.
Optimistic about organic loan growth and continued resilience in Texas markets.
NIM expected to remain stable or decline slightly in the near term due to rate environment and deposit repricing.
Continued focus on organic growth and selective M&A opportunities.
Management will continue to manage expenses to drive profitability.
Impact of loan paydowns on growth strategy?
What drives M&A deal selectivity?
Future impact of debt redemption on funding costs?
New lender loan production impact?
M&A target characteristics and outlook?
Indirect auto credit score migration impact?
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Next South Plains Financial earnings date
Q4 202526 Jan, 2026
Next South Plains Financial earnings date
Q4 202526 Jan, 2026
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Frequently asked questions
South Plains Financial Inc is a bank holding company that operates through its subsidiary, City Bank. The company provides commercial and retail banking, mortgage lending, and wealth management services. Its operations serve individuals, businesses, and agricultural clients primarily in Texas and surrounding states through a network of full-service banking centers. South Plains Financial Inc is headquartered in Lubbock, Texas, and its shares are listed on the NASDAQ.
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