{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-026044","form_type":"8-K","ticker":"SPFI","cik":"0001163668","company_name":"SOUTH PLAINS FINANCIAL, INC.","filed_at":"2025-07-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.468324+00:00","generated_at":"2026-05-18T06:10:20.193323+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SPFI Q2 net income $14.6M ($0.86 EPS); NIM expands to 4.07%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-026044","json":"https://secwatch.observer/filing/0001140361-25-026044.json","markdown":"https://secwatch.observer/filing/0001140361-25-026044.md","text":"https://secwatch.observer/filing/0001140361-25-026044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1163668/000114036125026044/0001140361-25-026044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1163668/000114036125026044/ef20052046_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:10:20.193323+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"}