SPFI — what changed in the latest 10-Q

Text added vs the prior filing · source: 10-Q · 2026-05-05

• risks relating to the acquisition of BOH Holdings, Inc. (“BOH”) including, without limitation: the expected impact of the transaction and on the combined entities’ operations, financial condition, and financial results; the businesses of South Plains and BOH may not be combined successfully, or such…

• risks related to the integration of any other acquired businesses, including exposure to potential asset quality and credit quality risks and unknown or contingent liabilities, risks related to entering a new geographic market, the time and costs associated with integrating systems, technology platf…

• potential recession in the United States and our market areas;

• uncertainty or perceived instability in the banking industry as a whole;

• increased competition for deposits and related changes in deposit customer behavior;

Text removed vs the prior filing · source: 10-Q · 2025-11-06

• slower economic growth rates or potential recession in the United States and our market areas;

• the impacts related to or resulting from uncertainty in the banking industry as a whole;

• increased competition for deposits among traditional and nontraditional financial services companies, and related changes in deposit customer behavior;

• our ability to effectively execute our expansion strategy and manage our growth, including identifying and consummating suitable acquisitions;

• adverse changes in customer spending, borrowing and savings habits;