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South Plains Financial (SPFI) investor relations material
South Plains Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary16 Jul, 2025
Executive summary
Net income rose to $14.6M in Q2 2025, with diluted EPS up to $0.86 from $0.72 in Q1 and $0.66 in Q2 2024.
Margin expansion achieved as cost of funds declined and credit quality remained solid despite higher early loan paydowns.
Loan growth was modest amid elevated payoffs, with a healthy pipeline and continued hiring of experienced lenders.
Strategy centers on organic growth via lending expansion and selective M&A, supported by strong capital ratios.
Texas and New Mexico markets continue to show healthy economic growth, supporting optimism for future opportunities.
Financial highlights
Net interest income was $42.5M, up from $38.5M in Q1 2025 and $35.9M in Q2 2024.
Net interest margin improved to 4.07% in Q2 2025, or 3.90% excluding a $1.7M one-time interest recovery.
Loans held for investment increased by $23.1M (3% annualized) to $3.1B compared to the linked quarter.
Noninterest income reached $12.2M, mainly due to a $1.4M fair value adjustment in mortgage servicing rights.
Provision for credit losses was $2.5M, up from $420K in Q1 2025 and $1.8M in Q2 2024.
Outlook and guidance
Loan growth expected to be flat to low single digits in Q3, with full-year 2025 trending to the lower end of low to mid-single digit range.
Management plans to accelerate loan growth by expanding the lending platform and adding experienced commercial lenders.
NIM expected to see some expansion, with focus on deposit mix and exception-based pricing.
Management continues to monitor credit quality amid economic uncertainty, including elevated interest rates and inflation.
The company is positioned to capitalize on market opportunities and maintain a stable, lower-cost funding base.
Assess impact of new lender hires on expenses.
What's the outlook for mortgage banking performance?
What's the target asset size for M&A deals?
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Next South Plains Financial earnings date
Q3 202523 Oct, 2025
Next South Plains Financial earnings date
Q3 202523 Oct, 2025
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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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