South Plains Financial, Inc. is a bank holding company based in Texas that provides commercial and consumer banking, investment, trust, and mortgage services to small and medium-sized businesses and individuals across Texas and New Mexico. The company generates revenue primarily through net interest income earned on its loan and investment portfolios, supplemented by noninterest income from deposit service charges, bank card fees, mortgage banking, and trust services. The company operates as one of the largest independent banks in West Texas with a diversified loan portfolio spanning commercial real estate, general commercial lending, consumer loans, and construction financing across sectors including agribusiness, energy, healthcare, and education.