South Plains (SPFI) Q2 2025 Earnings Transcript

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South Plains Financial (NASDAQ:SPFI) reported rising loan balances, margin expansion, and higher non-interest income, driven by a one-time loan recovery and ongoing funding cost improvements. Management indicated continued progress on strategic hiring, stating the addition of several experienced lenders in Dallas is expected to improve loan origination capacity and deposit acquisition. Full-year 2025 loan growth guidance was set at the lower end of the company's low to mid-single-digit range, as sustained loan paydowns and consumer response to tariff expectations are identified as current constraints.

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