SPFI Q2 net income $14.6M ($0.86 EPS); NIM expands to 4.07%

SOUTH PLAINS FINANCIAL, INC.

2025-Q2 EPS reported $1.58

Net income of $14.6M, up 18.7% from Q1 2025 ($12.3M) and 31.5% YoY ($11.1M).
Diluted EPS $0.86 vs $0.72 Q1 2025 and $0.66 Q2 2024; tangible book value $26.70/share.
Net interest margin (tax-equivalent) 4.07%, up from 3.81% Q1 2025 and 3.63% Q2 2024.
Provision for credit losses $2.5M vs $420K Q1 2025; allowance/loans 1.45% vs 1.40% prior Q.
Loans held for investment $3.10B (up 3.0% annualized QoQ); deposits $3.74B; NPA ratio 0.25%.

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