Risk factors

South Plains Financial (SPFI) risk factors

Item 1A of every South Plains Financial, Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    63 risks, 2 reworded since the prior year. Concentration risk increased as the top 20 loan commitments grew from 19.4% to 21.0% of outstanding totals. Shareholder litigation venue requirements were updated to add the new Ninth Business Court Division of Texas.

    Filed Mar 05, 2026
  • FY2024 10-K risk factors

    63 risks. South Plains Financial is highly concentrated in commercial and real estate lending across Texas and New Mexico.

    Filed Mar 07, 2025