{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-24-044020","form_type":"8-K","ticker":"SPFI","cik":"0001163668","company_name":"SOUTH PLAINS FINANCIAL, INC.","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.820508+00:00","generated_at":"2026-05-30T10:58:18.412141+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"South Plains Q3 net income $11.2M, EPS $0.66 flat QoQ; NIM expands to 3.65%","bullets":["Net income $11.2M vs $11.1M Q2; diluted EPS $0.66 unchanged; YoY net income down from $13.5M.","Net interest margin (tax-equiv) 3.65% vs 3.63% Q2; average loan yield 6.68%, deposit cost 247bps.","Nonperforming assets to total assets rose to 0.59% from 0.57% Q2 and 0.12% YoY; $20M multi-family credit remains nonaccrual.","Tangible book value per share $25.75, up 6.6% from $24.15 Q2; deposits grew $94.8M QoQ to $3.72B.","CEO notes strongest loan pipeline in over two years; expects deposit cost pressures to ease and loan growth to accelerate."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-24-044020","json":"https://secwatch.observer/filing/0001140361-24-044020.json","markdown":"https://secwatch.observer/filing/0001140361-24-044020.md","text":"https://secwatch.observer/filing/0001140361-24-044020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1163668/000114036124044020/0001140361-24-044020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1163668/000114036124044020/ef20037571_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:58:18.412141+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}