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South Plains Financial, Inc
(NASDAQ:SPFI) 

SPFI stock logo

South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Community Banking and Insurance. It offers deposit products, includi...

IPO Price: $17.50 (May 09, 2019)
Full Time Employees: 664
CEO: Curtis C. Griffith  
Sector: Financial Services
Industry: Banks-Regional

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At a glance:
Bull Thesis:
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Income Statements:
Quarterly
Annual
    Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 
                                
      interest income:
                                
      loans, including fees
    52,818,000 53,928,000 53,886,000 50,570,000 51,262,000 51,505,000 50,571,000 48,932,000 47,895,000 46,242,000 42,864,000 39,597,000 38,694,000 34,463,000 35,419,000 29,378,000 31,082,000 30,818,000 29,360,000 29,280,000 30,133,000 30,724,000 29,861,000 31,015,000 30,562,000 29,652,000 28,592,000 28,098,000 
      securities:
                                
      taxable
    4,604,000 4,638,000 4,700,000 4,692,000 4,994,000 5,300,000 5,285,000 5,511,000 5,563,000 5,422,000 5,365,000 5,240,000 4,868,000 4,224,000 3,542,000 2,376,000 2,226,000 2,346,000 2,413,000 2,460,000 2,639,000 2,678,000 3,170,000 3,780,000 2,877,000 2,021,000 1,816,000 2,176,000 
      non-taxable
    859,000 853,000 802,000 801,000 801,000 803,000 807,000 809,000 764,250 833,000 1,108,000 1,116,000 852,250 1,128,000 1,137,000 1,144,000             
      federal funds sold and interest-bearing deposits in banks
    5,140,000 5,101,000 4,747,000 3,859,000 4,267,000 4,032,000 2,545,000 3,475,000 2,963,000 4,031,000 1,484,000 1,495,000 1,546,000 1,293,000 654,000 182,000 140,000 114,000 86,000 72,000 65,000 40,000 34,000 546,000 976,000 1,766,000 1,883,000 1,505,000 
      total interest income
    63,421,000 64,520,000 64,135,000 59,922,000 61,324,000 61,640,000 59,208,000 58,727,000 57,236,000 56,528,000 50,821,000 47,448,000 46,228,000 41,108,000 40,752,000 33,080,000 34,600,000 34,438,000 33,016,000 32,982,000 33,984,000 34,503,000 34,007,000 35,737,000 34,764,000 33,665,000 32,509,000 32,004,000 
      interest expense:
                                
      deposits
    19,541,000 19,925,000 20,062,000 19,827,000 21,136,000 22,653,000 21,629,000 21,663,000 20,219,000 18,965,000 14,433,000 11,370,000 8,258,000 4,537,000 2,317,000 1,890,000 1,920,000 2,030,000 2,186,000 2,157,000 2,334,000 2,517,000 2,760,000 4,283,000 4,836,000 5,627,000 6,139,000 5,889,000 
      subordinated debt
    225,000 835,000 835,000 835,000 834,000 835,000 835,000 835,000 981,000 1,012,000 1,013,000 1,012,000                 
      junior subordinated deferrable interest debentures
    705,000 741,000 735,000 733,000 806,000 858,000 856,000 861,000 874,000 862,000 789,000 751,000 635,000 457,000 317,000 231,000 219,000 217,000 221,000 223,000 230,000 242,000 294,000 401,000 436,000 485,000 512,000 513,000 
      total interest expense
    20,471,000 21,501,000 21,632,000 21,395,000 22,776,000 24,346,000 23,320,000 23,359,000 22,074,000 20,839,000 16,240,000 13,133,000 9,906,000 6,006,000 3,647,000 3,133,000 3,151,000 3,260,000 3,423,000 3,438,000 3,619,000 3,230,000 3,559,000 5,538,000 6,140,000 7,097,000 7,672,000 7,458,000 
      net interest income
    42,950,000 43,019,000 42,503,000 38,527,000 38,548,000 37,294,000 35,888,000 35,368,000 35,162,000 35,689,000 34,581,000 34,315,000 36,322,000 35,102,000 37,105,000 29,947,000 31,449,000 31,178,000 29,593,000 29,544,000 30,365,000 31,273,000 30,448,000 30,199,000 28,624,000 26,568,000 24,837,000 24,546,000 
      provision for credit losses
    1,775,000 500,000 2,500,000 420,000 1,200,000 495,000 1,775,000 830,000 600,000 -700,000 3,700,000 1,010,000                 
      net interest income, after provision for credit losses
    41,175,000 42,519,000 40,003,000 38,107,000 37,348,000 36,799,000 34,113,000 34,538,000 34,562,000 36,389,000 30,881,000 33,305,000                 
      noninterest income:
                                
      service charges on deposit accounts
    2,318,000 2,266,000 2,098,000 2,141,000 2,241,000 2,023,000 1,949,000 1,813,000 1,844,000 1,840,000 1,745,000 1,701,000 1,680,000 1,764,000 1,612,000 1,773,000 1,940,000 1,851,000 1,599,000 1,573,000 1,861,000 1,749,000 1,439,000 1,983,000 2,144,000 2,101,000 1,979,000 1,905,000 
      net gain on sales of loans
    2,021,000 2,338,000 2,655,000 2,591,000 2,367,000 2,715,000 2,788,000 2,654,000 1,950,000 2,631,000 3,528,000 2,918,000 2,840,000 4,452,000 5,979,000 7,493,000 10,076,000 12,848,000 12,317,000 15,943,000 16,252,000 20,942,000 17,797,000 8,540,000 6,000,000 6,626,000 6,235,000 4,660,000 
      bank card services and interchange fees
    3,359,000 3,403,000 3,771,000 3,379,000 3,225,000 3,302,000 4,052,000 3,061,000 3,167,000 3,157,000 4,043,000 2,956,000 3,090,000 3,156,000 3,478,000 3,222,000 3,479,000 3,045,000 3,073,000 2,642,000 2,845,000 2,608,000 2,344,000 2,238,000 2,419,000 2,192,000 2,071,000 2,010,000 
      other mortgage banking income
    369,000 237,000 951,000 -478,000 2,587,000 -825,000 609,000 1,291,000 -279,000 1,971,000 1,731,000 -633,000 -64,000 1,836,000 2,690,000 6,144,000             
      investment commissions
    412,000 428,000 426,000 434,000 429,000 391,000 450,000 434,000 459,000 430,000 420,000 389,000 422,000 391,000 466,000 546,000 544,000 430,000 530,000 430,000 437,000 441,000 365,000 455,000 465,000 419,000 493,000 333,000 
      fiduciary fees
    771,000 729,000 694,000 738,000 632,000 613,000 720,000 754,000 654,000 582,000 597,000 600,000 575,000 568,000 635,000 612,000 683,000 556,000 842,000 836,000 799,000 781,000 776,000 829,000     
      other
    1,684,000 1,764,000 1,570,000 1,820,000 1,807,000 2,388,000 2,111,000 1,368,000 1,314,000 1,346,000 1,523,000 1,349,000 1,310,000 3,914,000 2,398,000 2,337,000 4,038,000 3,267,000 2,649,000 3,964,000 1,818,000 1,836,000 1,153,000 1,353,000 464,000 1,663,000 1,715,000 1,417,000 
      total noninterest income
    10,934,000 11,165,000 12,165,000 10,625,000 13,319,000 10,635,000 12,709,000 11,409,000 9,146,000 12,277,000 47,112,000 10,691,000 12,676,000 20,937,000 18,835,000 23,697,000 22,928,000 25,791,000 22,250,000 26,500,000 26,172,000 31,660,000 24,896,000 18,875,000 16,740,000 14,115,000 13,703,000 12,075,000 
      noninterest expense:
                                
      salaries and employee benefits
    18,385,000 19,413,000 19,708,000 19,441,000 17,384,000 18,767,000 19,199,000 18,988,000 17,977,000 18,709,000 23,437,000 19,254,000 18,703,000 22,927,000 21,990,000 22,703,000 21,549,000 24,116,000 23,377,000 24,318,000 23,117,000 23,672,000 21,621,000 20,810,000 19,348,000 18,135,000 18,784,000 19,125,000 
      occupancy and equipment
    4,006,000 4,046,000 3,972,000 4,027,000 3,901,000 4,255,000 4,029,000 3,920,000 3,856,000 4,111,000 4,303,000 3,832,000 4,085,000 4,132,000 4,033,000 3,737,000 3,600,000 3,896,000 3,499,000 3,565,000 3,762,000 3,710,000 3,586,000 3,600,000 3,263,000 3,486,000 3,416,000 3,407,000 
      professional services
    2,413,000 1,293,000 1,874,000 1,730,000 1,555,000 1,807,000 1,738,000 1,483,000 1,509,000 1,560,000 1,716,000 1,648,000 1,945,000 2,523,000 2,647,000 2,625,000 2,269,000 1,388,000 1,522,000 1,573,000 1,612,000 1,177,000 1,961,000 1,572,000 2,165,000 1,852,000 1,611,000 1,706,000 
      marketing and development
    1,220,000 979,000 919,000 905,000 1,153,000 1,015,000 860,000 754,000 880,000 853,000 784,000 936,000 1,223,000 913,000 758,000 720,000 1,068,000 777,000 812,000 568,000 899,000 615,000 806,000 768,000 742,000 762,000 796,000 717,000 
      it and data services
    1,172,000 1,184,000 1,181,000 1,164,000 1,118,000 1,092,000 1,086,000 990,000 840,000 818,000 888,000 864,000 878,000 908,000 941,000 1,053,000 978,000 1,068,000 907,000 1,054,000 805,000 843,000 1,079,000 847,000 726,000 722,000 689,000 693,000 
      bank card expenses
    1,429,000 1,637,000 1,579,000 1,454,000 1,460,000 1,500,000 1,516,000 1,397,000 1,438,000 1,451,000 1,316,000 1,352,000 1,326,000 1,399,000 1,328,000 1,323,000 1,355,000 1,339,000 1,252,000 1,049,000 1,089,000 1,095,000 1,017,000 1,052,000 952,000 864,000 806,000 724,000 
      appraisal expenses
    178,000 284,000 236,000 192,000 251,000 246,000 229,000 227,000 225,000 283,000 301,000 278,000 315,000 359,000 508,000 565,000 898,000 790,000 879,000 681,000 945,000 744,000 638,000 455,000 428,000 467,000 407,000 323,000 
      total noninterest expense
    33,023,000 33,024,000 33,543,000 33,030,000 29,948,000 33,128,000 32,572,000 31,930,000 30,597,000 31,489,000 40,499,000 32,361,000 32,708,000 37,401,000 36,056,000 37,924,000 36,132,000 38,063,000 36,778,000 37,057,000 36,504,000 35,993,000 35,207,000 34,011,000 31,714,000 30,028,000 29,930,000 30,036,000 
      income before income taxes
    19,086,000 20,660,000 18,625,000 15,702,000 20,719,000 14,306,000 14,250,000 14,017,000 13,111,000 17,177,000 37,494,000 11,635,000 16,042,000 19,420,000 19,884,000 17,805,000 18,245,000 18,906,000 17,072,000 18,898,000 19,892,000 20,878,000 7,004,000 8,829,000 12,754,000 10,235,000 7,735,000 5,977,000 
      income tax expense
    3,832,000 4,342,000 4,020,000 3,408,000 4,222,000 3,094,000 3,116,000 3,143,000 2,787,000 3,683,000 7,811,000 2,391,000 3,421,000 3,962,000 4,001,000 3,527,000 3,631,000 3,716,000 3,422,000 3,738,000 3,968,000 4,147,000 1,389,000 1,746,000 2,645,000 1,977,000 1,655,000 1,204,000 
      net income
    15,254,000 16,318,000 14,605,000 12,294,000 16,497,000 11,212,000 11,134,000 10,874,000 10,324,000 13,494,000 29,683,000 9,244,000 12,621,000 15,458,000 15,883,000 14,278,000 14,614,000 15,190,000 13,650,000 15,160,000 15,924,000 16,731,000 5,615,000 7,083,000 10,109,000 8,258,000 6,080,000 4,773,000 
      yoy
    -7.53% 45.54% 31.17% 13.06% 59.79% -16.91% -62.49% 17.63% -18.20% -12.71% 86.89% -35.26% -13.64% 1.76% 16.36% -5.82% -8.23% -9.21% 143.10% 114.03% 57.52% 102.60% -7.65% 48.40%     
      qoq
    -6.52% 11.73% 18.80% -25.48% 47.14% 0.70% 2.39% 5.33% -23.49% -54.54% 221.11% -26.76% -18.35% -2.68% 11.24% -2.30% -3.79% 11.28% -9.96% -4.80% -4.82% 197.97% -20.73% -29.93% 22.41% 35.82% 27.38%  
      earnings per share:
                                
      basic
    0.94 0.9 0.75 1.01 0.68 0.68 0.66 0.64 0.8 1.74 0.54 0.74 0.89 0.91 0.81 0.82 0.85 0.76 0.84 0.408 0.93 0.31 0.39 0.29 0.46 0.37 0.32 
      diluted
    0.89 0.96 0.86 0.72 0.96 0.66 0.66 0.64 0.61 0.78 1.71 0.53 0.71 0.86 0.88 0.78 0.79 0.82 0.74 0.82 0.403 0.92 0.31 0.38 0.288 0.45 0.37 0.32 
      other comprehensive income:
                                
      unrealized gains on securities available for sale
    4,989 12,450 -1,341 5,640 -24,703 25,268 561 -10,832   -7,109 8,624                 
      less: change in fair value on hedged state and municipal securities
    -703 -878 -1,573 -2,252 1,655 -4,196 -463 1,385 -5,006 2,091 1,866 -2,638 -1,074 5,332 3,450 6,899             
      tax effect
    -901 -2,430 612 -711 4,840 -4,425 -21 1,984 -8,750 6,051 385 -1,257 -2,233 7,092 8,116 7,975 163 1,093 -1,653 2,428 -1,183.25 207 -1,235 -3,705 -390.5 -25 -926 -611 
      other comprehensive income
    3,385 9,142 -2,302 2,677 -18,208 16,647 77 -7,463   -1,449 4,729 8,402 -26,678 -30,531  -612 -4,111 6,217 -9,131 4,451.25 -781 4,647 13,939 1,467.75 91 3,484 2,296 
      comprehensive income
    18,639 25,460 12,303 14,971 -1,711 27,859 11,211 3,411 43,243 -9,271 28,234 13,973 21,023 -11,220 -14,648 -15,725 14,002 11,079 19,867 6,029 11,808.5 15,950 10,262 21,022 6,245.5 8,349 9,564 7,069 
      notes payable & other borrowings
              5,000        4,000 39,000 42,000 68,000 102,000 450,000 465,000 581,000 618,000 650,000 
      income from insurance activities
        31,000 28,000 30,000 34,000 37,000 30,000 37,000 1,411,000 2,823,000 4,856,000 1,577,000 1,570,000 2,168,000 3,794,000 1,240,000 1,112,000 2,160,000 3,303,000 1,022,000 1,159,000 2,942,000 1,114,000 1,210,000 1,750,000 
      gain on sale of subsidiary
             290,000 33,488,000                  
      realized loss on sale of securities
              3,409,000                  
      reclassification adjustment for loss on sale of securities
              3,409                  
      other comprehensive loss:
                                
      unrealized losses on securities available for sale
            -7,348.25 -30,907      -44,877             
      other comprehensive loss
            -4,871.25 -22,765      -30,003             
      subordinated debt securities
                759,250 1,012,000 1,013,000 1,012,000 1,012,000 1,013,000 1,012,000 1,019,000 1,013,000 403,000 403,000 404,000 403,000 404,000 403,000 406,000 
      provision for loan losses
                248,000 -782,000  -2,085,000   -2,007,000 89,000 141,000 6,062,000 13,133,000 6,234,000 896,000 420,000 875,000 608,000 
      net interest income, after provision for loan losses
                36,074,000 35,884,000 37,105,000 32,032,000 31,449,000 31,178,000 31,600,000 29,455,000 30,224,000 25,211,000 17,315,000 23,965,000 27,728,000 26,148,000 23,962,000 23,938,000 
      unrealized gain on securities available for sale
                11,709 -39,102 -42,097              
      non taxable
                    1,152,000 1,160,000 1,157,000 1,170,000 1,147,000 1,061,000 942,000 396,000 349,000 226,000 218,000 225,000 
      realized gain on sale of securities
                           2,318,000     
      change in net unrealized gain on securities available for sale
                    -1,644 -5,964 10,620 -18,492 6,646 -1,418       
      change in net gain on cash flow hedges
                    869 760 -2,750  -432 430       
      reclassification adjustment for loss included in net income
                        -579.5        
      change in net losses on cash flow hedges
                       6,933   -931 -1,227     
      reclassification adjustment for (gain) included in net income
                           -2,318     
      change in net unrealized loss on securities available for sale
                          6,813 21,189 1,858.25 116 4,410 2,907 
      pro forma information
                                
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 
                                  
        assets
                                  
        cash and due from banks
      58,318,000 56,071,000 60,400,000 56,006,000 54,114,000 60,863,000 46,024,000 41,273,000 62,821,000 44,583,000 64,497,000 51,186,000 61,613,000 52,749,000 67,127,000 65,717,000 68,425,000 62,638,000 67,915,000 65,204,000 76,146,000 43,750,000 51,256,000 46,883,000 56,246,000 48,709,000 38,302,000 37,632,000 
        interest-bearing deposits in banks
      494,121,000 578,975,000 410,096,000 480,294,000 304,968,000 410,304,000 251,982,000 330,666,000 267,337,000 307,841,000 231,084,000 276,816,000 173,270,000 277,213,000 308,563,000 462,895,000 418,396,000 264,962,000 316,034,000 348,202,000 224,161,000 245,785,000 204,845,000 89,179,000 101,853,000 195,281,000 367,064,000 301,778,000 
        cash and cash equivalents
      552,439,000 635,046,000 470,496,000 536,300,000 359,082,000 471,167,000 298,006,000 371,939,000 330,158,000 352,424,000 295,581,000 328,002,000 234,883,000 329,962,000 375,690,000 528,612,000 486,821,000 327,600,000 383,949,000 413,406,000 300,307,000 290,885,000 256,101,000 136,062,000 158,099,000 244,645,000 408,116,000 339,410,000 
        securities available for sale
      567,540,000 571,138,000 570,000,000 571,527,000 577,240,000 606,889,000 591,031,000 599,869,000 622,762,000 584,969,000 628,093,000 698,579,000 701,711,000 711,412,000 763,943,000 793,404,000 724,504,000 752,562,000 777,613,000 777,208,000 803,087,000 726,329,000 730,674,000 734,791,000 707,650,000 401,335,000 263,564,000 339,051,000 
        loans held for sale
      9,993,000 13,046,000 17,182,000 13,931,000 20,542,000 11,389,000 16,585,000 15,751,000 14,499,000 20,273,000 22,158,000 20,448,000 30,403,000 26,922,000 37,949,000 29,599,000 76,507,000 90,880,000 79,938,000 125,792,000 111,477,000 76,507,000 92,774,000 62,636,000 49,035,000 50,136,000 38,932,000 21,447,000 
        loans held for investment
      3,144,502,000 3,053,503,000 3,098,978,000 3,075,860,000 3,055,054,000 3,037,375,000 3,094,273,000 3,011,799,000 3,014,153,000 2,993,563,000 2,979,063,000 2,788,640,000 2,748,081,000 2,690,366,000 2,580,493,000 2,453,631,000 2,437,577,000 2,429,041,000 2,303,462,000 2,242,676,000 2,221,583,000 2,288,234,000 2,331,716,000 2,108,805,000 2,143,623,000 1,962,609,000 1,935,653,000 1,915,183,000 
        allowance for credit losses on loans
      -45,131,000 -44,125,000 -45,010,000 -42,968,000 -43,237,000 -42,886,000 -43,173,000 -42,174,000 -42,356,000 -42,075,000 -43,137,000 -39,560,000                 
        accrued interest receivable
      20,931,000 18,012,000 17,996,000 17,743,000 21,687,000 19,155,000 19,481,000 16,605,000 20,881,000 17,672,000 15,917,000 14,421,000 16,432,000 12,408,000 12,216,000 10,512,000 13,900,000 11,778,000 11,981,000 11,277,000 15,233,000 13,632,000 13,598,000 11,015,000 13,924,000 11,675,000 9,976,000 9,962,000 
        premises and equipment
      51,563,000 51,809,000 51,329,000 50,873,000 52,951,000 53,323,000 53,952,000 54,221,000 55,070,000 56,391,000 56,416,000 56,079,000 56,337,000 56,532,000 56,531,000 57,387,000 57,699,000 59,056,000 59,127,000 59,211,000 60,331,000 61,399,000 61,883,000 61,829,000 61,873,000 59,189,000 59,705,000 59,572,000 
        bank-owned life insurance
      77,694,000 77,274,000 76,859,000 76,459,000 76,054,000 75,649,000 75,254,000 74,879,000 74,504,000 74,104,000 73,804,000 73,474,000 73,174,000 72,874,000 72,574,000 72,274,000 71,978,000 71,676,000 71,361,000 71,061,000 70,731,000 70,401,000 70,071,000 69,756,000 69,397,000 58,109,000 57,794,000 57,499,000 
        goodwill
      19,315,000 19,315,000 19,315,000 19,315,000 19,315,000 19,315,000 19,315,000 19,315,000 19,315,000 19,315,000 19,315,000 19,508,000 19,508,000 19,508,000 19,508,000 19,508,000 19,508,000 19,508,000 19,508,000 19,508,000 19,508,000 19,508,000 19,968,000 19,968,000 18,757,000    
        intangible assets
      1,133,000 1,265,000 1,417,000 1,569,000 1,720,000 1,882,000 2,064,000 2,247,000 2,429,000 2,621,000 2,834,000 3,988,000 4,349,000 4,720,000 5,112,000 5,503,000 5,895,000 6,296,000 6,718,000 7,140,000 7,562,000 7,994,000 8,446,000 8,213,000 8,632,000 2,464,000   
        mortgage servicing rights
      24,041,000 24,458,000 25,134,000 24,906,000 26,292,000 24,573,000 26,426,000 26,843,000 26,569,000 27,749,000 26,658,000 25,795,000 27,474,000 28,424,000 27,505,000 25,425,000 19,700,000 18,122,000 15,977,000 13,558,000 9,049,000 6,562,000 3,776,000      
        deferred tax asset
      20,433,000 21,650,000 23,469,000 21,944,000 22,840,000 18,889,000 22,319,000 21,309,000 19,413,000 28,135,000 22,359,000 21,779,000 22,818,000 24,317,000 16,907,000 8,393,000 3,038,000 2,598,000 1,675,000 4,004,000 2,461,000 3,650,000       
        other assets
      36,047,000 37,046,000 36,509,000 37,750,000 42,699,000 40,939,000 45,403,000 46,390,000 47,396,000 51,299,000 51,068,000 46,896,000 48,181,000 54,902,000 46,081,000 35,145,000 26,826,000 27,826,000 24,569,000 33,072,000 23,384,000 23,641,000 36,160,000 32,562,000 30,374,000 29,596,000 27,601,000 27,254,000 
        total assets
      4,480,500,000 4,479,437,000 4,363,674,000 4,405,209,000 4,232,239,000 4,337,659,000 4,220,936,000 4,218,993,000 4,204,793,000 4,186,440,000 4,150,129,000 4,058,049,000 3,944,063,000 3,992,690,000 3,974,724,000 3,999,744,000 3,901,855,000 3,774,175,000 3,712,915,000 3,732,894,000 3,599,160,000 3,542,666,000 3,584,532,000 3,216,563,000 3,237,167,000 2,795,582,000 2,777,170,000 2,745,997,000 
        liabilities and stockholders’ equity
                                  
        deposits:
                                  
        noninterest-bearing
      1,023,517,000 1,049,501,000 998,759,000 966,464,000 935,510,000 998,480,000 951,565,000 974,174,000 974,201,000 1,046,253,000 1,100,767,000 1,110,939,000 1,150,488,000 1,262,072,000 1,195,732,000 1,131,215,000 1,071,367,000 1,054,264,000 998,941,000 962,205,000 917,322,000 906,059,000 940,853,000 740,946,000 790,921,000 556,233,000 513,383,000 497,566,000 
        interest-bearing
      2,850,560,000 2,831,642,000 2,740,179,000 2,826,055,000 2,685,366,000 2,720,880,000 2,672,948,000 2,664,397,000 2,651,952,000 2,574,361,000 2,473,755,000 2,397,115,000 2,255,942,000 2,198,464,000 2,230,105,000 2,318,942,000 2,269,855,000 2,157,981,000 2,159,554,000 2,193,427,000 2,057,029,000 2,037,743,000 2,006,984,000 1,924,902,000 1,905,936,000 1,729,741,000 1,768,475,000 1,807,363,000 
        total deposits
      3,874,077,000 3,881,143,000 3,738,938,000 3,792,519,000 3,620,876,000 3,719,360,000 3,624,513,000 3,638,571,000 3,626,153,000 3,620,614,000 3,574,522,000 3,508,054,000 3,406,430,000 3,460,536,000 3,425,837,000 3,450,157,000 3,341,222,000 3,212,245,000 3,158,495,000 3,155,632,000 2,974,351,000 2,943,802,000 2,947,837,000 2,665,848,000 2,696,857,000 2,285,974,000 2,281,858,000 2,304,929,000 
        accrued expenses and other liabilities
      52,093,000 59,999,000 58,863,000 58,547,000 62,060,000 64,870,000 68,177,000 61,496,000 61,358,000 71,617,000 61,131,000 59,631,000 58,265,000 68,048,000 62,404,000 40,305,000 31,038,000 41,533,000 35,640,000 38,038,000 31,229,000 41,592,000 47,731,000 38,560,000 29,098,000 32,861,000 27,524,000 35,723,000 
        subordinated debt
      14,100,000 14,100,000 64,054,000 64,007,000 63,961,000 63,914,000 63,868,000 63,821,000 63,775,000 76,100,000 76,054,000 76,007,000 75,961,000                
        junior subordinated deferrable interest debentures
      46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 46,393,000 
        total liabilities
      3,986,663,000 4,001,635,000 3,909,600,000 3,961,466,000 3,793,290,000 3,894,537,000 3,802,951,000 3,810,281,000 3,797,679,000 3,814,724,000 3,758,100,000 3,690,085,000 3,587,049,000 3,650,891,000 3,610,502,000 3,612,676,000 3,494,428,000 3,375,899,000 3,320,100,000 3,358,223,000 3,229,112,000 3,190,098,000 3,247,998,000 2,889,673,000 2,930,985,000 2,496,555,000 2,486,057,000 2,527,432,000 
        stockholders’ equity:
                                  
        common stock
      16,294,000 16,248,000 16,230,000 16,236,000 16,456,000 16,386,000 16,424,000 16,432,000 16,417,000 16,600,000 16,952,000 17,062,000 17,027,000 17,065,000 17,417,000 17,673,000 17,760,000 17,824,000 18,014,000 18,053,000 18,076,000 18,059,000 18,059,000 18,056,000 18,036,000 18,004,000 17,979,000 14,772,000 
        additional paid-in capital
      91,065,000 91,116,000 90,268,000 89,799,000 97,287,000 97,367,000 97,766,000 97,406,000 97,107,000 102,633,000 111,133,000 112,981,000 112,834,000 116,565,000 125,332,000 130,618,000 133,215,000 136,401,000 140,212,000 140,633,000 141,112,000 141,245,000 140,620,000 140,699,000 140,492,000 140,268,000 140,189,000 80,412,000 
        retained earnings
      434,197,000 421,542,000 407,822,000 395,652,000 385,827,000 371,782,000 362,855,000 354,011,000 345,264,000 337,076,000 325,772,000 298,300,000 292,261,000 281,679,000 268,305,000 255,078,000 242,750,000 229,737,000 216,164,000 203,777,000 189,521,000 174,501,000 158,311,000 153,238,000 146,696,000 137,127,000 129,408,000 123,328,000 
        accumulated other comprehensive loss
      -47,719,000 -51,104,000 -60,246,000 -57,944,000 -60,621,000 -42,413,000 -59,060,000 -59,137,000 -51,674,000 -84,593,000 -61,828,000 -60,379,000                 
        total stockholders’ equity
      493,837,000 477,802,000 454,074,000 443,743,000 438,949,000 443,122,000 417,985,000 408,712,000 407,114,000 371,716,000 392,029,000 367,964,000 357,014,000 341,799,000 364,222,000 387,068,000 407,427,000 398,276,000 392,815,000 374,671,000 370,048,000 352,568,000 336,534,000 326,890,000 306,182,000 299,027,000 291,113,000 160,370,000 
        total liabilities and stockholders’ equity
      4,480,500,000 4,479,437,000 4,363,674,000 4,405,209,000 4,232,239,000 4,337,659,000 4,220,936,000 4,218,993,000 4,204,793,000 4,186,440,000 4,150,129,000 4,058,049,000 3,944,063,000 3,992,690,000 3,974,724,000 3,999,744,000 3,901,855,000 3,774,175,000 3,712,915,000 3,732,894,000 3,599,160,000 3,542,666,000 3,584,532,000 3,216,563,000 3,237,167,000 2,795,582,000 2,777,170,000 2,745,997,000 
        short-term borrowings
        1,352,000                3,890,000 17,525,000 26,550,000 7,765,000 9,565,000 17,400,000 37,165,000 9,855,000 8,810,000 18,915,000 
        allowance for loan losses
                  -39,288,000 -39,657,000 -39,785,000 -39,649,000 -42,098,000 -42,768,000 -42,963,000 -45,019,000 -45,553,000 -46,076,000 -40,635,000 -29,074,000 -24,197,000 -24,176,000 -24,171,000 -23,381,000 
        accumulated other comprehensive income
                  -65,108,000 -73,510,000 -46,832,000 -16,301,000 13,702,000 14,314,000 18,425,000 12,208,000 21,339,000 18,763,000 19,544,000 14,897,000 958,000 3,628,000 3,537,000 53,000 
        subordinated debt securities
                   75,914,000 75,868,000 75,821,000 75,775,000 75,728,000 75,682,000 75,635,000 75,589,000 75,546,000 26,472,000 26,472,000 26,472,000 26,472,000 26,472,000 26,472,000 
        notes payable & other borrowings
                         25,000,000 75,000,000 75,000,000 170,000,000 95,000,000 95,000,000 95,000,000 95,000,000 95,000,000 
        commitments and contingencies
                                  
        federal funds sold
                           1,350,000    655,000 2,750,000  
        commitments and contingent liabilities
                                  
        esop owned shares
                                 58,195,000 
        less esop owned shares
                                 58,195,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 
                                    
          cash flows from operating activities:
                                    
          net income
        15,254,000 16,318,000 14,605,000 12,294,000 16,497,000 11,212,000 11,134,000 10,874,000 10,324,000 13,494,000 29,683,000 9,244,000 12,621,000 15,458,000 15,883,000 14,278,000 14,614,000 15,190,000 13,650,000 15,160,000 15,924,000 16,731,000 5,615,000 7,083,000 10,109,000 8,258,000 6,080,000 4,773,000 
          adjustments to reconcile net income to net cash from operating activities:
                                    
          provision for credit losses
        1,775,000 500,000 2,500,000 420,000 1,200,000 495,000 1,775,000 830,000 600,000 -700,000 3,700,000 1,010,000                 
          provision for foreclosed asset losses
                45,000                   
          depreciation and amortization
        1,455,000 1,420,000 1,461,000 1,478,000 1,597,000 1,656,000 1,632,000 1,625,000 1,628,000 1,544,000 1,542,000 1,698,000 1,688,000 1,769,000 1,803,000 1,705,000 1,599,000 1,614,000 1,606,000 1,617,000 1,640,000 1,678,000 1,651,000 1,606,000 1,492,000 1,259,000 1,222,000 1,252,000 
          accretion and amortization
        518,000 722,000 735,000 738,000 749,000 749,000 752,000 594,000 650,000 751,000 989,000 991,000 983,000 1,012,000 1,014,000 1,063,000  1,118,000 1,152,000 1,129,000 1,102,000 934,000 751,000 379,000 349,000 199,000 12,000 -308,000 
          other gains
        -18,000 -117,000 -149,000 -214,000 48,000   -27,000 -36,000 -133,000 -79,000 -101,000 -6,000 -417,000 358,000 -590,000 -131,000 -6,000 -2,000  -88,000 -58,000 -2,383,000 162,000 27,000 -146,000 -3,000 
          gain on sale of subsidiary
                -290,000                   
          loss on sale of securities
                                  
          net gain on sales of loans
        -2,021,000 -2,338,000 -2,655,000 -2,591,000 -2,367,000 -2,715,000 -2,788,000 -2,654,000 -1,950,000 -2,631,000 -3,528,000 -2,918,000 -2,840,000 -4,452,000 -5,979,000 -7,493,000 -10,076,000 -12,848,000 -12,317,000 -15,943,000 -16,252,000 -20,942,000 -17,797,000 -8,540,000 -6,000,000 -6,626,000 -6,235,000 -4,660,000 
          proceeds from sales of loans held for sale
        67,876,000 75,034,000 72,127,000 73,385,000 60,638,000 80,772,000 84,791,000 69,962,000 8,363,000 106,050,000 131,904,000 101,266,000 124,151,000 166,975,000 203,806,000 288,280,000 334,573,000 374,127,000 434,671,000 434,582,000 429,217,000 437,662,000 356,331,000 210,963,000 193,280,000 186,247,000 131,586,000 142,435,000 
          loans originated for sale
        -63,050,000 -68,809,000 -73,107,000 -64,382,000 -67,693,000 -73,068,000 -83,100,000 -68,779,000 -959,000 -101,951,000 -130,548,000 -88,664,000 -125,167,000 -152,010,000 -207,107,000 -235,129,000 -311,302,000 -374,247,000 -379,270,000 -436,176,000 -457,764,000 -400,453,000 -368,672,000 -216,024,000 -186,179,000 -190,825,000 -142,836,000 -120,840,000 
          deferred income tax expense
          -913,000 185,000 889,000 -994,000 -1,032,000 88,000 -29,000 276,000 -195,000 47,000 -734,000 -318,000 -209,000 2,620,000             
          earnings on bank-owned life insurance
        -420,000 -415,000 -400,000 -405,000 -405,000 -395,000 -375,000 -375,000 -400,000 -300,000 -330,000 -300,000 -300,000 -300,000 -300,000 -296,000 -302,000 -315,000 -300,000 -330,000 -330,000 -330,000 -315,000 -359,000 -356,000 -315,000 -295,000 -327,000 
          stock-based compensation
        651,000 650,000 754,000 569,000 617,000 563,000 657,000 481,000 532,000 511,000 589,000 525,000 887,000 689,000 649,000 528,000             
          change in valuation of mortgage servicing rights
        665,000 925,000 156,000 1,585,000 -1,450,000 2,060,000 680,000 -55,000 1,500,000 -675,000 -400,000 1,950,000 1,325,000 -405,000 -1,150,000 -4,475,000 -400,000 -119,000 351,000 -1,287,000         
          net change in:
                                    
          accrued interest receivable and other assets
        -2,762,000 -216,000 -716,000 6,651,000 -3,184,000 691,000 -2,580,000 6,496,000 -3,758,000 15,000 -5,368,000 609,000 1,667,000 -3,776,000 -953,000 1,995,000 -1,265,000 -2,790,000 7,667,000 -3,368,000 4,032,000 8,217,000 -13,873,000 -2,986,000 1,054,000 -3,435,000 -1,326,000 1,371,000 
          accrued expenses and other liabilities
        -7,906,000 1,036,000 316,000 -3,683,000 -2,810,000 -3,202,000 6,681,000 73,000 -9,959,000 10,196,000 2,427,000 -4,000 -9,783,000 5,644,000 11,791,000 9,267,000 -9,809,000 6,493,000 -4,571,000 12,287,000 -9,058,000 -7,671,000 10,308,000 8,032,000 -7,239,000 5,337,000 3,251,000 5,028,000 
          net cash from operating activities
        12,433,000 24,216,000 14,746,000 26,095,000 4,172,000 17,872,000 18,177,000 19,160,000 6,560,000 26,254,000 350,000 25,375,000 4,645,000 29,498,000 18,831,000 70,616,000 18,570,000 8,495,000 61,058,000 8,148,000 -28,218,000 42,425,000 -12,895,000 4,315,000 8,014,000 811,000 -7,670,000 29,329,000 
          capital expenditures
          free cash flows
        12,433,000 24,216,000 14,746,000 26,095,000 4,172,000 17,872,000 18,177,000 19,160,000 6,560,000 26,254,000 350,000 25,375,000 4,645,000 29,498,000 18,831,000 70,616,000 18,570,000 8,495,000 61,058,000 8,148,000 -28,218,000 42,425,000 -12,895,000 4,315,000 8,014,000 811,000 -7,670,000 29,329,000 
          cash flows from investing activities:
                                    
          activity in securities available for sale:
                                    
          purchases
        -404,041,000 -7,529,000   -4,934,000 -299,849,000     -44,301,000 -132,412,000 -4,983,000 -19,519,000 -37,046,000 -121,436,000 -37,037,000 -8,896,000 -112,358,000 -324,009,000 -153,790,000 -6,041,000 -5,192,000 
          sales
                          94,514,000     
          maturities, prepayments, and calls
        412,110,000 18,165,000 8,872,000 10,661,000 9,178,000 8,705,000 8,695,000 311,363,000 208,176,000 11,512,000 9,607,000 10,811,000 20,481,000 12,454,000 30,700,000 17,618,000 25,347,000 22,999,000 28,629,000 43,350,000 45,232,000 39,030,000 19,075,000 11,513,000 29,841,000 15,936,000 85,926,000 7,552,000 
          loan originations and principal collections
        -92,713,000 42,791,000 -24,059,000 -21,821,000 -19,048,000 55,336,000 -83,602,000 1,027,000 -22,327,000 -15,177,000 -191,058,000 -41,634,000 -58,631,000 -109,331,000 -126,837,000 -16,660,000 -9,411,000 -126,012,000 -60,941,000 -22,094,000 65,588,000 42,481,000 -224,997,000 31,937,000 13,358,000 -27,726,000 -21,261,000 41,201,000 
          purchases of premises and equipment
        -1,046,000 -1,753,000 -1,727,000 -1,135,000 -1,029,000 -773,000 -1,078,000 -474,000 1,000 -1,230,000 -1,892,000 -1,560,000 -1,175,000 -1,296,000 -682,000 -1,316,000 -601,000 -1,128,000 -1,101,000 -90,000 -151,000 -757,000 -1,246,000 -1,156,000 -730,000 -861,000 -1,374,000 -1,032,000 
          proceeds from sales of premises and equipment
        18,000 147,000 2,093,000 311,000   29,000 43,000 254,000 642,000 235,000 6,000 200,000 39,000 1,350,000 86,000 5,000 17,000 30,000 105,000 4,000 83,000 134,000 71,000 3,000 
          proceeds from sale of subsidiary
                580,000                   
          capital improvements to foreclosed assets
                                    
          proceeds from sales of foreclosed assets
        1,084,000 189,000 546,000 428,000 828,000 459,000 459,000 430,000 403,000 322,000 280,000 412,000 167,000 134,000 1,617,000 133,000 254,000 355,000 339,000 354,000 373,000 379,000 1,176,000 513,000 2,227,000 364,000 839,000 405,000 
          net cash from investing activities
        -84,719,000 51,863,000 -25,595,000 -9,774,000 -14,694,000 63,727,000 -75,457,000 12,497,000 -13,616,000 -3,950,000 -94,481,000 -31,329,000 -38,923,000 -98,033,000 -139,303,000 -132,598,000 16,939,000 -108,683,000 -52,588,000 -15,509,000 -10,364,000 44,661,000 -215,571,000 25,046,000 -145,847,000 -168,743,000 58,160,000 42,937,000 
          cash flows from financing activities:
                                    
          net change in deposits
        -7,066,000 142,205,000 -53,581,000 171,643,000 -98,484,000 94,847,000 -14,058,000 12,418,000 5,539,000 46,092,000 66,468,000 101,624,000 -54,106,000 34,699,000 -24,320,000 108,935,000 128,977,000 53,750,000 2,863,000 181,281,000 30,549,000 -4,035,000 281,988,000 -31,008,000 24,707,000 4,116,000 -23,071,000 27,475,000 
          proceeds from common stock issuance
        216,000 235,000                       
          payments to tax authorities for stock-based compensation
        -656,000 -15,000 -262,000 -627,000 -132,000 -338,000 -51,000 1,000 -343,000 -883,000 -90,000 -195,000 -519,000 -106,000 -190,000 -45,000 -84,000 -190,000    
          payments made on subordinated debt
                                    
          cash dividends paid on common stock
        -2,599,000 -2,598,000 -2,435,000 -2,469,000 -2,452,000 -2,285,000 -2,290,000 -2,127,000 -2,136,000 -2,190,000 -2,211,000 -2,208,000                 
          payments to repurchase common stock
        -276,000 -8,250,000 -1,000,000 -305,000 -35,000 -5,903,000 -9,312,000   -3,773,000 -9,718,000 -6,191,000 -3,017,000 -3,145,000 -4,404,000           
          net cash from financing activities
        -10,321,000 88,471,000 -54,955,000 160,897,000 -101,563,000 91,562,000 -16,653,000 10,124,000 -15,210,000 34,539,000 61,710,000 99,073,000 -60,801,000 22,807,000 -32,450,000 103,773,000 123,712,000 43,839,000 -37,927,000 120,460,000 48,004,000 -52,302,000 348,505,000 -51,398,000 51,287,000 4,461,000 18,216,000 21,155,000 
          net change in cash and cash equivalents
        -82,607,000 164,550,000 -65,804,000 177,218,000 -112,085,000 173,161,000 -73,933,000 41,781,000 -22,266,000 56,843,000 -32,421,000 93,119,000 -95,079,000 -45,728,000 -152,922,000 41,791,000 159,221,000 -56,349,000 -29,457,000 113,099,000 9,422,000 34,784,000 120,039,000 -22,037,000 -86,546,000 -163,471,000 68,706,000 93,421,000 
          beginning cash and cash equivalents
        359,082,000 330,158,000 234,883,000 486,821,000 300,307,000 158,099,000 245,989,000 
          ending cash and cash equivalents
        -82,607,000 164,550,000 -65,804,000 536,300,000 -112,085,000 173,161,000 -73,933,000 371,939,000 -22,266,000 56,843,000 -32,421,000 328,002,000 -95,079,000 -45,728,000 -152,922,000 528,612,000 159,221,000 -56,349,000 -29,457,000 413,406,000 9,422,000 34,784,000 120,039,000 136,062,000 -86,546,000 -163,471,000 68,706,000 339,410,000 
          supplemental disclosures of cash flow information:
                                    
          interest paid on deposits and borrowed funds
        20,128,000 21,792,000 21,688,000 22,485,000 21,271,000 25,812,000 21,479,000 24,188,000 20,659,000 20,854,000 15,337,000 13,215,000 8,817,000 6,334,000 3,066,000 3,553,000 2,697,000 4,151,000 2,553,000 4,070,000 3,160,000 3,333,000 3,852,000 5,771,000 6,243,000 7,016,000 7,726,000 7,140,000 
          supplemental schedule of noncash activities:
                                    
          loans transferred to foreclosed assets
        975,000 1,481,000 483,000 498,000 520,000 675,000 352,000 380,000 1,118,000 315,000 252,000 445,000 299,000 112,000 111,000 242,000 205,000 238,000 106,000 378,000 399,000 380,000 514,000 574,000 931,000 355,000 706,000 460,000 
          premises and equipment transferred to foreclosed assets
                                    
          additions to mortgage servicing rights
        248,000 249,000 384,000 199,000 269,000 207,000 263,000 219,000 320,000 416,000 463,000 271,000 375,000 514,000 930,000 1,250,000 1,178,000 2,026,000 2,770,000 3,222,000         
          deferred income tax benefit
                                    
          payments on subordinated debt
                                    
          income taxes paid
         4,623,000   4,214,000 4,696,000   3,157,000 15,149,000   5,347,000 5,712,000   3,558,000    4,794,000    2,110,000 1,511,000   
          net change in short-term borrowings
                        -3,890,000 -13,635,000 -9,025,000 18,785,000 -1,800,000 -7,835,000 -19,765,000 27,310,000 1,045,000 -10,105,000 1,210,000 
          premises and equipment transferred to other real estate owned
                                   
          payments made on notes payable and other borrowings
                        -25,000,000 -50,000,000    -7,530,000 
          provision for loan losses
                    248,000 -782,000 -2,085,000 -2,007,000 89,000 141,000 6,062,000 13,133,000 6,234,000 896,000 420,000 875,000 608,000 
          cash paid for acquisition
                                  
          goodwill adjustment related to litigation settlement
                                   
          proceeds from subordinated debt issuance
                            -4,000        
          proceeds from notes payable and other borrowings
                                    
          business combination measurement period adjustment
                               1,211,000     
          cash dividends on common stock
                     -2,084,000 -1,939,000 -1,950,000 -1,601,000 -1,617,000 -1,263,000 -904,000 -904,000 -541,000 -542,000 -541,000 -540,000    
          net amortization of premium on investment securities
                                    
          net cash received in business combinations
                                    
          stock based compensation
                         403,000 432,000 390,000  625,000 31,000 310,000  265,000   
          proceeds from notes payable & other borrowings
                                   
          measurement period acquisition adjustment
                                    
          purchase of treasury stock
                           -786,000        
          other losses
                                    
          supplemental schedule of noncash investing and financing activities:
                                    
          share-based liability awards modified to equity awards
                                   
          maturities, prepayments, and calls of held to maturity securities
                                    
          financed foreclosed asset sales
                                    
          activity in securities held to maturity: