What is South Plains Financial, Inc.'s time deposits?

South Plains Financial, Inc. (SPFI) reported time deposits of $200.6M in Q4 2025.

What does time deposits mean?

This represents the total balance of customer funds held in certificates of deposit and other time-bound deposit accounts with fixed maturity dates. These deposits are a primary source of stable funding for the bank's lending activities. Monitoring the composition of these deposits helps assess the bank's interest rate risk and cost of funds management.

South Plains Financial, Inc. SPFI Time deposits

Time deposits at other companies

Wells Fargo & CompanyWFC

$41.44B+39.6%

SMB

SmartFinancialSMBK

$834.63M-8.0%

STB

S&T BancorpSTBA

$1.98B+8.6%

Eagle BancorpEGBN

$2.84B-10.8%

Center BancorpCNOB

$3.01B+18.1%

JPMorgan ChaseJPM

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Other financials

Income statement

See full

Revenue$54.1M+10.2%

Net income$14.5M+18.3%

EPS (diluted)$0.85+18.1%

Balance sheet

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Cash & equivalents$722.0M+34.6%

Total debt$7.9M-10.9%

Total equity$504.9M+13.8%

Total assets$4.6B+5.5%

Cash flow

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Operating cash flow$16.2M-38.0%

CapEx$1.4M+19.3%

Free cash flow$14.8M-40.6%

Valuation

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Market cap$807.57M+41.4%

P/E13.3×+2.1×

P/S3.7×+0.8×

Profitability

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Net margin28%+2.1pp

FCF margin28.4%-3.1pp

Returns & leverage

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Return on equity12.8%+0.8pp

Debt / equity0×0.0×

Where this comes from

Reported directly by South Plains Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:TimeDepositsAtOrAboveFDICInsuranceLimit.

The official record: South Plains Financial, Inc.’s 10-K, filed March 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is South Plains Financial, Inc.'s time deposits?: South Plains Financial, Inc. (SPFI) reported time deposits of $200.6M in Q4 2025.
What does time deposits mean?: This represents the total balance of customer funds held in certificates of deposit and other time-bound deposit accounts with fixed maturity dates. These deposits are a primary source of stable funding for the bank's lending activities. Monitoring the composition of these deposits helps assess the bank's interest rate risk and cost of funds management.