0001140361-25-040668 | 10-Q | XBRL Viewer | South Plains Financial INC

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EARNINGS PER SHARE - EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
EARNINGS PER SHARE [Abstract]
Net income (in Dollars)	$ 16,318	$ 11,212	$ 43,217	$ 33,220
Weighted average common shares outstanding - basic (in Shares)	16,241,695	16,386,079	16,295,757	16,413,685
Effect of dilutive securities:
Stock-based compensation awards (in Shares)	748,851	670,880	684,833	565,753
Weighted average common shares outstanding - diluted (in Shares)	16,990,546	17,056,959	16,980,590	16,979,438
Basic earnings per share (in Dollars per share)	$ 1	$ 0.68	$ 2.65	$ 2.02
Diluted earnings per share (in Dollars per share)	$ 0.96	$ 0.66	$ 2.55	$ 1.96

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

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The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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+ Details

GOODWILL AND INTANGIBLES (Tables)

9 Months Ended

Sep. 30, 2025

GOODWILL AND INTANGIBLES [Abstract]

Other Intangible Assets

Other intangible assets, which consisted of core deposit intangibles at the dates indicated are summarized below (dollars in thousands):

	September 30, 2025			December 31, 2024
Amortized intangible assets:
Core deposit intangible	$	6,679		$	6,679
Less: Accumulated amortization		(5,414	)		(4,959	)
Other intangible assets, net	$	1,265		$	1,720

GOODWILL AND INTANGIBLES

9 Months Ended

Sep. 30, 2025

GOODWILL AND INTANGIBLES [Abstract]

GOODWILL AND INTANGIBLES

4. GOODWILL AND INTANGIBLES

The Company had goodwill of $19.3 million at September 30, 2025 and December 31, 2024.

Other intangible assets, which consisted of core deposit intangibles at the dates indicated are summarized below (dollars in thousands):

	September 30, 2025			December 31, 2024
Amortized intangible assets:
Core deposit intangible	$	6,679		$	6,679
Less: Accumulated amortization		(5,414	)		(4,959	)
Other intangible assets, net	$	1,265		$	1,720

DERIVATIVES (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Other Liabilities [Member] \| Interest Rate Swap [Member]
DERIVATIVES [Abstract]
Cash collateral received to offset asset derivative positions	$ 10,500	$ 17,000
Other Assets [Member] \| Interest Rate Swap [Member]
DERIVATIVES [Abstract]
Cash collateral advanced to offset liability position	1,100	1,100
Other Assets [Member] \| Mortgage Forward Contracts [Member]
DERIVATIVES [Abstract]
Cash collateral advanced to offset liability position	$ 270	$ 270

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

Cover - shares	9 Months Ended
Cover - shares	Sep. 30, 2025	Nov. 03, 2025
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Entity Interactive Data Current	Yes
Amendment Flag	false
Document Period End Date	Sep. 30, 2025
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	Q3
Entity Information [Line Items]
Entity Registrant Name	South Plains Financial, Inc.
Entity Central Index Key	0001163668
Entity File Number	001-38895
Entity Tax Identification Number	75-2453320
Entity Incorporation, State or Country Code	TX
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Contact Personnel [Line Items]
Entity Address, Address Line One	5219 City Bank Parkway
Entity Address, City or Town	Lubbock
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	79407
Entity Phone Fax Numbers [Line Items]
City Area Code	806
Local Phone Number	792-7101
Entity Listings [Line Items]
Title of 12(b) Security	Common Stock, $1.00 par value per share
Trading Symbol	SPFI
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		16,247,839

LOANS HELD FOR INVESTMENT - Summary of Loans Held for Investment by Category (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Jun. 30, 2025	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	$ 3,053,503		$ 3,055,054
Allowance for credit losses on loans	(44,125)	$ (45,010)	(43,237)	$ (42,886)	$ (43,173)	$ (42,356)
Loans held for investment, net	3,009,378		3,011,817
Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	1,035,926		1,119,063
Allowance for credit losses on loans	(14,937)	(15,706)	(15,973)	(15,924)	(15,593)	(15,808)
Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	97,952		103,855
Allowance for credit losses on loans	(1,901)	(1,948)	(1,943)	(2,078)	(2,040)	(2,391)
Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	377,783		388,955
Allowance for credit losses on loans	(4,809)	(4,881)	(4,640)	(4,907)	(4,736)	(4,020)
General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	629,256		557,371
Allowance for credit losses on loans	(7,248)	(7,228)	(6,874)	(6,400)	(6,841)	(6,391)
1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	592,578		566,400
Allowance for credit losses on loans	(11,080)	(11,150)	(9,677)	(9,558)	(9,702)	(9,177)
Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	256,281		254,474
Allowance for credit losses on loans	(2,966)	(2,995)	(3,015)	(3,060)	(3,287)	(3,601)
Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	63,727		64,936
Allowance for credit losses on loans	$ (1,184)	$ (1,102)	$ (1,115)	$ (959)	$ (974)	$ (968)

CAPITAL AND REGULATORY MATTERS - Bank Subsidiary’s Actual Capital Amounts and Ratios (Details) $ in Thousands	Sep. 30, 2025 USD ($)	Dec. 31, 2024 USD ($)
Consolidated [Member]
Total Capital to Risk Weighted Assets:
Actual, Amount	$ 611,541	$ 631,713
Actual, Ratio	0.1734	0.1786
Minimum Required Under BASEL III Fully Phased In, Amount	$ 370,388	$ 371,426
Minimum Required Under BASEL III Fully Phased In, Ratio	0.105	0.105
Tier 1 Capital to Risk Weighted Assets:
Actual, Amount	$ 553,326	$ 523,535
Actual, Ratio	0.1569	0.148
Minimum Required Under BASEL III Fully Phased In, Amount	$ 299,838	$ 300,678
Minimum Required Under BASEL III Fully Phased In, Ratio	0.085	0.085
Common Equity Tier 1 to Risk Weighted Assets:
Actual, Amount	$ 508,326	$ 478,535
Actual, Ratio	0.1441	0.1353
Minimum Required Under BASEL III Fully Phased In, Amount	$ 246,926	$ 247,617
Minimum Required Under BASEL III Fully Phased In, Ratio	0.07	0.07
Tier 1 Capital to Average Assets:
Actual, Amount	$ 553,326	$ 523,535
Actual, Ratio	0.1237	0.1204
Minimum Required Under BASEL III Fully Phased In, Amount	$ 179,724	$ 174,777
Minimum Required Under BASEL III Fully Phased In, Ratio	0.04	0.04
City Bank [Member]
Total Capital to Risk Weighted Assets:
Actual, Amount	$ 533,034	$ 520,788
Actual, Ratio	0.1511	0.1473
Minimum Required Under BASEL III Fully Phased In, Amount	$ 370,347	$ 371,351
Minimum Required Under BASEL III Fully Phased In, Ratio	0.105	0.105
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 352,711	$ 353,667
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.10	0.10
Tier 1 Capital to Risk Weighted Assets:
Actual, Amount	$ 488,925	$ 476,574
Actual, Ratio	0.1386	0.1348
Minimum Required Under BASEL III Fully Phased In, Amount	$ 299,804	$ 300,617
Minimum Required Under BASEL III Fully Phased In, Ratio	0.085	0.085
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 282,169	$ 282,934
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.08	0.08
Common Equity Tier 1 to Risk Weighted Assets:
Actual, Amount	$ 488,925	$ 476,574
Actual, Ratio	0.1386	0.1348
Minimum Required Under BASEL III Fully Phased In, Amount	$ 246,898	$ 247,567
Minimum Required Under BASEL III Fully Phased In, Ratio	0.07	0.07
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 229,262	$ 229,884
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.065	0.065
Tier 1 Capital to Average Assets:
Actual, Amount	$ 488,925	$ 476,574
Actual, Ratio	0.1094	0.1096
Minimum Required Under BASEL III Fully Phased In, Amount	$ 179,648	$ 174,710
Minimum Required Under BASEL III Fully Phased In, Ratio	0.04	0.04
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 223,531	$ 217,336
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.05	0.05

SEGMENT INFORMATION (Details)	9 Months Ended
SEGMENT INFORMATION (Details)	Sep. 30, 2025 Segment
SEGMENT INFORMATION [Abstract]
Number of operating segments	1

LOANS HELD FOR INVESTMENT (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
LOANS HELD FOR INVESTMENT (Details) $ in Thousands	Sep. 30, 2025 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2025 USD ($) Category	Sep. 30, 2024 USD ($)	Dec. 31, 2024 USD ($)	Jun. 30, 2025 USD ($)	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	$ 3,053,503		$ 3,053,503		$ 3,055,054
Allowance for credit losses on loans	$ 44,125	$ 42,886	$ 44,125	$ 42,886	$ 43,237	$ 45,010	$ 43,173	$ 42,356
Ratio of ACL for loans to loans held for investment	1.45%		1.45%		1.42%
Provision for credit losses	$ 500	495	$ 3,420	3,100
Provision for credit losses	400	600	3,150	3,140
Provision for off-balance sheet credit exposures	100	(105)	$ 270	(40)
Number of points on a grading scale for loans			thirteen-point
2025/2024			$ 345		$ 457
Loans modified for borrowers experiencing financial difficulty that subsequently defaulted	0	$ 32	$ 97	$ 32
Commercial Portfolio Segment [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Number of sub-categories of loans (in Category) \| Category			2
Minimum [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Financing Receivable, Non-Accrual Loans with Direct Exposure Analyzed for Individual Evaluation	250		$ 250
Past due accruing loans closely monitored	100		100
Non-Owner Occupied Real Estate [Member] \| Commercial and Construction Real Estate Portfolio Segment [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	1,130,000		1,130,000		$ 1,220,000
Substandard [Member] \| Minimum [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Financing Receivable, Accruing Loans with Direct Exposure Closely Monitored	$ 1,000		$ 1,000

FAIR VALUE DISCLOSURES - Assets (Liabilities) Measured at Fair Value on Recurring and Non-Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Recurring [Member]
Securities available for sale:
Asset-backed and other amortizing securities	$ 13,705	$ 14,581
Loans held for sale (mandatory)	9,912	13,791
Mortgage servicing rights	24,458	26,292
Asset derivatives	$ 10,895	$ 15,998
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liability derivatives	$ (75)	$ (12)
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Recurring [Member] \| Level 1 [Member]
Securities available for sale:
Asset-backed and other amortizing securities	$ 0	$ 0
Loans held for sale (mandatory)	0	0
Mortgage servicing rights	0	0
Asset derivatives	$ 0	$ 0
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liability derivatives	$ 0	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Recurring [Member] \| Level 2 [Member]
Securities available for sale:
Asset-backed and other amortizing securities	$ 13,705	$ 14,581
Loans held for sale (mandatory)	9,912	13,791
Mortgage servicing rights	0	0
Asset derivatives	$ 10,895	$ 15,998
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liability derivatives	$ (75)	$ (12)
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Recurring [Member] \| Level 3 [Member]
Securities available for sale:
Asset-backed and other amortizing securities	$ 0	$ 0
Loans held for sale (mandatory)	0	0
Mortgage servicing rights	24,458	26,292
Asset derivatives	$ 0	$ 0
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liability derivatives	$ 0	$ 0
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Recurring [Member] \| State and Municipal [Member]
Securities available for sale:
Securities available for sale	$ 175,147	$ 173,297
Recurring [Member] \| State and Municipal [Member] \| Level 1 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| State and Municipal [Member] \| Level 2 [Member]
Securities available for sale:
Securities available for sale	175,147	173,297
Recurring [Member] \| State and Municipal [Member] \| Level 3 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Residential Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	264,026	264,096
Recurring [Member] \| Residential Mortgage-backed Securities [Member] \| Level 1 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Residential Mortgage-backed Securities [Member] \| Level 2 [Member]
Securities available for sale:
Securities available for sale	264,026	264,096
Recurring [Member] \| Residential Mortgage-backed Securities [Member] \| Level 3 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Commercial Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	43,296	40,360
Recurring [Member] \| Commercial Mortgage-backed Securities [Member] \| Level 1 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Commercial Mortgage-backed Securities [Member] \| Level 2 [Member]
Securities available for sale:
Securities available for sale	43,296	40,360
Recurring [Member] \| Commercial Mortgage-backed Securities [Member] \| Level 3 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale:
Securities available for sale	68,089	73,483
Recurring [Member] \| Commercial Collateralized Mortgage Obligations [Member] \| Level 1 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Commercial Collateralized Mortgage Obligations [Member] \| Level 2 [Member]
Securities available for sale:
Securities available for sale	68,089	73,483
Recurring [Member] \| Commercial Collateralized Mortgage Obligations [Member] \| Level 3 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Other Securities [Member]
Securities available for sale:
Securities available for sale	6,875	11,423
Recurring [Member] \| Other Securities [Member] \| Level 1 [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Other Securities [Member] \| Level 2 [Member]
Securities available for sale:
Securities available for sale	6,875	11,423
Recurring [Member] \| Other Securities [Member] \| Level 3 [Member]
Securities available for sale:
Securities available for sale	0	0
Non-recurring [Member]
Securities available for sale:
Loans held for investment	7,230	20,566
Non-recurring [Member] \| Level 1 [Member]
Securities available for sale:
Loans held for investment	0	0
Non-recurring [Member] \| Level 2 [Member]
Securities available for sale:
Loans held for investment	0	0
Non-recurring [Member] \| Level 3 [Member]
Securities available for sale:
Loans held for investment	$ 7,230	$ 20,566

BORROWING ARRANGEMENTS	9 Months Ended
BORROWING ARRANGEMENTS	Sep. 30, 2025
BORROWING ARRANGEMENTS [Abstract]
BORROWING ARRANGEMENTS	6. BORROWING ARRANGEMENTS Subordinated Debt In December 2018, the Company issued $14.1 million of subordinated notes that have a maturity date of December 2030 and a weighted average fixed rate of 6.41% for the first seven years. After the fixed rate period, these notes will float at the Wall Street Journal prime rate, with a floor of 4.0% and a ceiling of 7.5%. These notes pay interest quarterly, are unsecured, and may be called by the Company at any time after the remaining maturity is five years or less. Additionally, these notes are intended to qualify for Tier 2 capital treatment, subject to regulatory limitations. On September 29, 2020, the Company issued $50.0 million in subordinated notes. Proceeds were reduced by approximately $926 thousand in debt issuance costs. These notes had a maturity date of September 2030 with a fixed rate of 4.50% for the first five years. On August 25, 2025, the Company notified holders (the “Redemption Notice”) of these notes that it had elected to redeem all of these outstanding notes effective on September 30, 2025 (the “Redemption Date”). Each of these notes were redeemed pursuant to the terms of the Indenture, dated as of September 29, 2020, between the Company and UMB Bank, National Association, as trustee for these notes (the “Trustee”), at the edemption price totaling $50.0 million in aggregate principal amount, plus accrued and unpaid interest (the “Redemption Price”). As provided in the Redemption Notice, on the Redemption Date, the Trustee paid the relevant Redemption Price to the holders of these notes appearing on the books and records of the Trustee on the Redemption Date. The notes ceased to represent the right to payment of principal and interest upon the payment to the holders of the notes by the Trustee representing the Redemption Price. The Company received all necessary regulatory approvals for the redemption of these notes. As of September 30, 2025, the total amount of subordinated notes outstanding was $14.1 million. As of December 31, 2024, the total amount of subordinated notes outstanding was $64.1 million less approximately $139 thousand of remaining debt issuance costs for a total balance of $64.0 million. Notes Payable and Other Borrowings As of September 30, 2025 and December 31, 2024, City Bank had no outstanding advances from the Federal Home Loan Bank of Dallas (“FHLB”) or any short-term borrowings.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(c))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-6

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-6

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(3)
-Publisher FASB
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
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-Paragraph 1
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
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-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (h)
-Publisher FASB
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Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 470
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/470/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (g)
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (i)
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-Section 50
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-Subparagraph (c)
-Publisher FASB
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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-Publisher FASB
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-Publisher FASB
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-Section 50
-Paragraph 1I
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

+ Details

CAPITAL AND REGULATORY MATTERS

9 Months Ended

Sep. 30, 2025

CAPITAL AND REGULATORY MATTERS [Abstract]

CAPITAL AND REGULATORY MATTERS

9. CAPITAL AND REGULATORY MATTERS

The Company and its bank subsidiary are subject to various regulatory capital requirements administered by its banking regulators. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and its bank subsidiary’s financial statements. Under capital guidelines and the regulatory framework for prompt corrective action, the Company and its bank subsidiary must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.

Quantitative measures established by regulation to ensure capital adequacy require the Company and its bank subsidiary to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier 1 capital (as defined) to average assets (as defined). Management believes, as of September 30, 2025 and December 31, 2024, that the Company and its bank subsidiary met all capital adequacy requirements to which they are subject.

As of September 30, 2025 and December 31, 2024, the Company met the definition of “well-capitalized” under the applicable regulations of the Board of Governors of the Federal Reserve System and the bank subsidiary was “well capitalized” under the FDIC’s regulatory framework for prompt corrective action and the Basel III capital guidelines. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since September 30, 2025 that management believes have changed the bank subsidiary’s category.

The Company and its bank subsidiary’s actual capital amounts and ratios at the dates indicated follows (dollars in thousands):

	Actual					Minimum Required Under BASEL III					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
September 30, 2025
Total Capital to Risk Weighted Assets:
Consolidated	$	611,541		17.34	%	$	370,388		10.50	%		N/A		N/A
City Bank		533,034		15.11	%		370,347		10.50	%	$	352,711		10.00	%

Tier 1 Capital to Risk Weighted Assets:
Consolidated		553,326		15.69	%		299,838		8.50	%		N/A		N/A
City Bank		488,925		13.86	%		299,804		8.50	%		282,169		8.00	%

Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		508,326		14.41	%		246,926		7.00	%		N/A		N/A
City Bank		488,925		13.86	%		246,898		7.00	%		229,262		6.50	%

Tier 1 Capital to Average Assets:
Consolidated		553,326		12.37	%		179,724		4.00	%		N/A		N/A
City Bank		488,925		10.94	%		179,648		4.00	%		223,531		5.00	%

December 31, 2024
Total Capital to Risk Weighted Assets:
Consolidated	$	631,713		17.86	%	$	371,426		10.50	%		N/A		N/A
City Bank		520,788		14.73	%		371,351		10.50	%	$	353,667		10.00	%

Tier 1 Capital to Risk Weighted Assets:
Consolidated		523,535		14.80	%		300,678		8.50	%		N/A		N/A
City Bank		476,574		13.48	%		300,617		8.50	%		282,934		8.00	%

Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		478,535		13.53	%		247,617		7.00	%		N/A		N/A
City Bank		476,574		13.48	%		247,567		7.00	%		229,884		6.50	%

Tier 1 Capital to Average Assets:
Consolidated		523,535		12.04	%		174,777		4.00	%		N/A		N/A
City Bank		476,574		10.96	%		174,710		4.00	%		217,336		5.00	%

The Company is subject to the Basel III capital ratio requirements which include a “capital conservation buffer” of 2.50% above the regulatory minimum risk-based capital adequacy requirements. This 2.50% capital conservation buffer is reflected in the table above. Both the Company’s and the Bank’s actual ratios, as outlined in the table above, exceeded the Basel III risk-based capital requirement with the capital conservation buffer as of September 30, 2025.

State banking regulations place certain restrictions on dividends paid by banks to their shareholders. Dividends paid by the Company’s bank subsidiary would be prohibited if the effect thereof would cause the bank subsidiary’s capital to be reduced below applicable minimum capital requirements.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References + Details

LOANS HELD FOR INVESTMENT

9 Months Ended

Sep. 30, 2025

LOANS HELD FOR INVESTMENT [Abstract]

LOANS HELD FOR INVESTMENT

3. LOANS HELD FOR INVESTMENT

Loans held for investment are summarized by category as of the dates presented below (dollars in thousands):

	September 30, 2025			December 31, 2024
Commercial real estate	$	1,035,926		$	1,119,063
Commercial - specialized		377,783			388,955
Commercial - general		629,256			557,371
Consumer:
1-4 family residential		592,578			566,400
Auto loans		256,281			254,474
Other consumer		63,727			64,936
Construction		97,952			103,855
		3,053,503			3,055,054
Allowance for credit losses on loans		(44,125	)		(43,237	)
Loans, net	$	3,009,378		$	3,011,817

The Company has certain lending policies, underwriting standards, and procedures in place that are designed to maximize loan income with an acceptable level of risk. Management reviews and approves these policies, underwriting standards, and procedures on a regular basis and makes changes as appropriate. Management receives frequent reports related to loan originations, quality, concentrations, delinquencies, non-performing, and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions, both by type of loan and geography.

Commercial Real Estate – Underwriting standards have been designed to determine whether the borrower possesses sound business ethics and practices, evaluate current and projected cash flows to determine the ability of the borrower to repay their obligations as agreed and ensure appropriate collateral is obtained to secure the loan. Commercial real estate loans are underwritten primarily based on projected cash flows for income-producing properties and collateral values for non-income-producing properties. The repayment of these loans is generally dependent on the successful operation of the property securing the loans or the sale or refinancing of the property. Real estate loans may be adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Company’s real estate portfolio are diversified by type and geographic location. This diversity helps reduce the exposure to adverse economic events that affect any single market or industry.

Commercial – General and Specialized – Commercial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably. Underwriting standards have been designed to determine whether the borrower possesses sound business ethics and practices, evaluate current and projected cash flows to determine the ability of the borrower to repay their obligations, as agreed and ensure appropriate collateral is obtained to secure the loan. Commercial loans are primarily made based on the identified cash flows of the borrower and, secondarily, on the underlying collateral provided by the borrower. Most commercial loans are secured by the assets being financed or other business assets, such as real estate, accounts receivable, or inventory, and typically include personal guarantees. Owner-occupied real estate is included in commercial loans, as the repayment of these loans is generally dependent on the operations of the commercial borrower’s business rather than on income-producing properties or the sale of the properties. Commercial loans are grouped into two distinct sub-categories: specialized and general. Commercial related segments that are considered “specialized” include agricultural production and real estate loans, energy loans, and finance, investment, and insurance loans. Commercial related segments that contain a broader diversity of borrowers, sub-industries, or serviced industries are grouped into the “general category.” These include goods, services, restaurant & retail, construction, and other industries. Performance of these loans is subject to operating and cash flow results of the borrower, with risk in the volatility of operating results for particular industries.

Consumer – Loans to consumers include 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. The Company utilizes a computer-based credit scoring analysis to supplement its policies and procedures in underwriting consumer loans. The Company’s loan policy addresses types of consumer loans that may be originated and the collateral, if secured, which must be perfected. The relatively smaller individual dollar amounts of consumer loans that are spread over numerous individual borrowers also minimizes the Company’s risk. The Company generally requires mortgage title insurance and hazard insurance on 1-4 family residential loans. All consumer loans are generally dependent on the risk characteristics of the borrower’s ability to repay the loan, a consideration of the debt to income ratio, employment and income stability, the loan-to-value ratio, and the age, condition and marketability of the collateral.

Construction – Loans for residential construction are for single-family properties to developers, builders, or end-users. These loans are underwritten based on estimates of costs and completed value of the project. Funds are advanced based on estimated percentage of completion for the project. Performance of these loans is affected by economic conditions as well as the ability to control costs of the projects.

The commercial real estate and construction categories comprise the Company’s nonowner-occupied real estate loans. Total nonowner-occupied real estate loans were $1.13 billion at September 30, 2025, and $1.22 billion at December 31, 2024.

The ACL for loans was $44.1 million at September 30, 2025, compared to $43.2 million at December 31, 2024. The ratio of ACL for loans to loans held for investment was 1.45% at September 30, 2025 and 1.42% at December 31, 2024.

The following tables detail the activity in the ACL for loans for the periods indicated (dollars in thousands). Allocation of a portion of the ACL to one category of loans does not preclude its availability to absorb losses in other categories.

	Beginning Balance		Provision for Credit Losses			Charge-offs			Recoveries		Ending Balance
For the three months ended September 30, 2025
Commercial real estate	$	15,706	$	(228	)	$	(541	)	$	—	$	14,937
Commercial - specialized		4,881		(81	)		—			9		4,809
Commercial - general		7,228		87			(172	)		105		7,248
Consumer:
1-4 family residential		11,150		234			(307	)		3		11,080
Auto loans		2,995		132			(202	)		41		2,966
Other consumer		1,102		303			(261	)		40		1,184
Construction		1,948		(47	)		—			—		1,901
	$	45,010	$	400		$	(1,483	)	$	198	$	44,125

For the three months ended September 30, 2024
Commercial real estate	$	15,593	$	290		$	—		$	41	$	15,924
Commercial - specialized		4,736		149			—			22		4,907
Commercial - general		6,841		(373	)		(78	)		10		6,400
Consumer:
1-4 family residential		9,702		(143	)		(3	)		2		9,558
Auto loans		3,287		30			(296	)		39		3,060
Other consumer		974		294			(364	)		55		959
Construction		2,040		353			(315	)		—		2,078
	$	43,173	$	600		$	(1,056	)	$	169	$	42,886
For the nine months ended September 30, 2025
Commercial real estate	$	15,973	$	(495	)	$	(541	)	$	—	$	14,937
Commercial - specialized		4,640		79			—			90		4,809
Commercial - general		6,874		526			(530	)		378		7,248
Consumer:
1-4 family residential		9,677		1,659			(307	)		51		11,080
Auto loans		3,015		716			(897	)		132		2,966
Other consumer		1,115		712			(832	)		189		1,184
Construction		1,943		(47	)		—			5		1,901
	$	43,237	$	3,150		$	(3,107	)	$	845	$	44,125

For the nine months ended September 30, 2024
Commercial real estate	$	15,808	$	160		$	(86	)	$	42	$	15,924
Commercial - specialized		4,020		821			—			66		4,907
Commercial - general		6,391		747			(798	)		60		6,400
Consumer:
1-4 family residential		9,177		551			(175	)		5		9,558
Auto loans		3,601		129			(786	)		116		3,060
Other consumer		968		730			(895	)		156		959
Construction		2,391		2			(315	)		—		2,078
	$	42,356	$	3,140		$	(3,055	)	$	445	$	42,886

During the three and nine months ended September 30, 2025 the Company recorded a provision for credit loss of $500 thousand and $3.4 million, respectively, which was comprised of a provision for credit losses on loans of $400 thousand and $3.2 million, respectively, and a provision for off-balance sheet credit exposures of $100 thousand and $270 thousand, respectively. During the three and nine months September 30, 2024, the Company recorded a provision for credit loss of $495 thousand and $3.1 million, respectively, which was comprised of a provision for credit losses on loans of $600 thousand and $3.1 million, respectively, and a provision for off-balance sheet credit exposures of $(105) and $(40) thousand, respectively.

The following tables show the Company’s amortized cost and related ACL for individually evaluated collateral dependent loans by class using the fair value of collateral loss estimation methodology of evaluating expected credit losses at the dates indicated (dollars in thousands).

	Equipment		Real Estate		Other		Total Loans Individually Evaluated		Total ACL for Individually Evaluated Loans
September 30, 2025
Commercial real estate	$	—	$	3,179	$	—	$	3,179	$	—
Commercial - specialized		—		—		—		—		—
Commercial - general		1,059		2,896		—		3,955		147
Consumer:
1-4 family residential		—		102		—		102		—
Auto loans		—		—		—		—		—
Other consumer		—		—		—		—		—
Construction		—		141		—		141		—
	$	1,059	$	6,318	$	—	$	7,377	$	147
December 31, 2024
Commercial real estate	$	—	$	19,543	$	—	$	19,543	$	552
Commercial - specialized		—		—		—		—		—
Commercial - general		—		—		—		—		—
Consumer:
1-4 family residential		—		—		—		—		—
Auto loans		—		—		—		—		—
Other consumer		—		—		—		—		—
Construction		—		1,575		—		1,575		—
	$	—	$	21,118	$	—	$	21,118	$	552

The tables below provide an age analysis on accruing past-due loans and nonaccrual loans at the dates indicated (dollars in thousands):

	30-89 Days Past Due		90 Days or More Past Due		Nonaccrual		Nonaccrual with no ACL
September 30, 2025
Commercial real estate	$	226	$	46	$	3,179	$	3,179
Commercial - specialized		—		—		167		—
Commercial - general		780		28		4,109		—
Consumer:
1-4 Family residential		2,429		882		883		102
Auto loans		408		163		—		—
Other consumer		622		94		17		—
Construction		529		—		141		141
	$	4,994	$	1,213	$	8,496	$	3,422
December 31, 2024
Commercial real estate	$	594	$	96	$	19,543	$	—
Commercial - specialized		1,770		240		105		—
Commercial - general		1,374		244		180		—
Consumer:
1-4 Family residential		1,966		1,042		676		—
Auto loans		1,004		114		—		—
Other consumer		1,125		185		23		—
Construction		95		—		1,575		1,575
	$	7,928	$	1,921	$	22,102	$	1,575

Credit Quality Indicators

The Company grades its loans on a thirteen-point grading scale. These grades fit in one of the following categories: (i) pass, (ii) special mention, (iii) substandard, (iv) doubtful, or (v) loss. Loans categorized as loss are charged-off immediately. The grading of loans reflects a judgment by the Company about the risks of default associated with the loan. The Company reviews the grades on loans as part of the Company’s on-going monitoring of the credit quality of the loan portfolio. These risk ratings are assigned based on relevant information about the ability of the borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors.

Pass loans have financial factors or nature of collateral that are considered reasonable credit risks in the normal course of lending and encompass several grades that are assigned based on varying levels of risk, ranging from credits that are secured by cash or marketable securities, to watch credits which have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring.

Special mention loans have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects for the loans at some future date.

Substandard loans are inadequately protected by the current net worth and paying capacity of the borrower or by the collateral pledged, if any. These loans have a well-defined weakness or weaknesses that jeopardize collection and present the distinct possibility that some loss will be sustained if the deficiencies are not corrected. A protracted workout on these credits is a distinct possibility. Prompt corrective action is therefore required to strengthen the Company’s position, and/or to reduce exposure and to assure that adequate remedial measures are taken by the borrower. Credit exposure becomes more likely in such credits and a serious evaluation of the secondary support to the credit is performed. Substandard loans can be accruing or can be nonaccrual depending on the circumstances of the individual loans.

Doubtful loans have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable. All doubtful loans are on nonaccrual.

In connection with the review of the Company’s loan portfolio, management considers risk elements attributable to particular loan type or categories in assessing the quality of individual loans. The list of loans to be analyzed for individual evaluation consists of non-accrual loans over $250 thousand. Interest income recognized using a cash-basis method on non-accrual loans for the three and nine months ended September 30, 2025 and 2024 was not significant. In addition, the Company closely monitors substandard accruing loans over $1 million, and past due accruing loans over $100 thousand for possible individual evaluation. All other loans will be evaluated collectively in designated pools unless a loss exposure has been identified. Additional funds committed to be advanced on individually analyzed loans are not significant.

The following tables reflect the amortized cost basis in loans held for investment by credit quality indicator and origination year at the dates indicated, and related year-to-date gross charge-offs. Loans acquired are shown in the table by origination year. The Company had an immaterial amount of revolving loans converted to term loans at September 30, 2025 and December 31, 2024.

	Term Loans
	Amortized Cost Basis by Origination Year September 30, 2025
(Dollars in thousands)	2025		2024		2023		2022		2021		Prior		Revolving Loans		Total

Commercial real estate
Pass	$	137,102	$	148,914	$	204,634	$	249,340	$	103,723	$	151,600	$	7,943	$	1,003,256
Special mention		—		2,840		6,730		—		173		1,104		—		10,847
Substandard		363		62		5,268		4,543		5,539		6,048		—		21,823
Total commercial real estate loans	$	137,465	$	151,816	$	216,632	$	253,883	$	109,435	$	158,752	$	7,943	$	1,035,926
Year-to-date gross charge-offs	$	—	$	—	$	541	$	—	$	—	$	—	$	—	$	541

Commercial - specialized
Pass	$	89,081	$	38,820	$	41,657	$	25,520	$	33,548	$	30,738	$	92,206	$	351,570
Special mention		6,377		8,968		845		1,042		1,747		915		3,606		23,500
Substandard		—		55		536		831		1,223		68		—		2,713
Total commercial - specialized loans	$	95,458	$	47,843	$	43,038	$	27,393	$	36,518	$	31,721	$	95,812	$	377,783
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial - general
Pass	$	131,853	$	102,390	$	52,346	$	94,831	$	46,455	$	87,500	$	87,849	$	603,224
Special mention		—		2,170		10,675		—		1,022		480		1,365		15,712
Substandard		—		509		2,335		1,306		4,900		1,145		125		10,320
Total commercial - general loans	$	131,853	$	105,069	$	65,356	$	96,137	$	52,377	$	89,125	$	89,339	$	629,256
Year-to-date gross charge-offs	$	—	$	13	$	164	$	81	$	42	$	180	$	50	$	530

Consumer 1-4 family residential
Pass	$	86,941	$	71,022	$	92,336	$	141,828	$	79,469	$	100,836	$	4,766	$	577,198
Special mention		—		—		488		—		5,087		—		—		5,575
Substandard		—		2,960		1,385		1,072		641		3,747		—		9,805
Total consumer 1-4 family residential loans	$	86,941	$	73,982	$	94,209	$	142,900	$	85,197	$	104,583	$	4,766	$	592,578
Year-to-date gross charge-offs	$	—	$	—	$	31	$	—	$	215	$	61	$	—	$	307

Consumer auto loans
Pass	$	88,719	$	53,983	$	48,530	$	47,558	$	13,942	$	3,196	$	—	$	255,928
Special mention		—		—		—		—		—		—		—		—
Substandard		—		33		30		197		74		19		—		353
Total consumer auto loans	$	88,719	$	54,016	$	48,560	$	47,755	$	14,016	$	3,215	$	—	$	256,281
Year-to-date gross charge-offs	$	—	$	162	$	288	$	283	$	135	$	29	$	—	$	897

Consumer other consumer
Pass	$	23,433	$	14,783	$	8,022	$	8,669	$	2,645	$	4,593	$	1,487	$	63,632
Special mention		—		—		—		—		—		—		—		—
Substandard		17		14		—		15		13		36		—		95
Total consumer other consumer loans	$	23,450	$	14,797	$	8,022	$	8,684	$	2,658	$	4,629	$	1,487	$	63,727
Year-to-date gross charge-offs (1)	$	345	$	177	$	31	$	97	$	40	$	141	$	1	$	832

Construction
Pass	$	53,617	$	36,677	$	5,822	$	570	$	596	$	—	$	—	$	97,282
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		670		—		—		—		—		670
Total construction loans	$	53,617	$	36,677	$	6,492	$	570	$	596	$	—	$	—	$	97,952
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

⁽¹⁾Includes $345 thousand in charged-off demand deposit overdrafts reported as 2025 originations.

					Term Loans Amortized Cost Basis by Origination Year December 31, 2024
(Dollars in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans		Total
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Total

Commercial real estate
Pass	$	164,205	$	233,047	$	300,828	$	126,548	$	43,628	$	175,319	$	6,417	$	1,049,992
Special mention		—		—		—		32,243		441		5,464		483		38,631
Substandard		—		—		147		25,164		3,125		2,004		—		30,440
Total commercial real estate loans	$	164,205	$	233,047	$	300,975	$	183,955	$	47,194	$	182,787	$	6,900	$	1,119,063
Year-to-date gross charge-offs	$	—	$	—	$	65	$	—	$	—	$	22	$	—	$	87

Commercial - specialized
Pass	$	103,288	$	60,881	$	37,940	$	41,721	$	15,678	$	28,488	$	98,092	$	386,088
Special mention		214		—		1,600		—		—		—		—		1,814
Substandard		510		—		85		84		297		77		—		1,053
Total commercial - specialized loans	$	104,012	$	60,881	$	39,625	$	41,805	$	15,975	$	28,565	$	98,092	$	388,955
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial - general
Pass	$	107,947	$	72,500	$	109,808	$	65,564	$	29,808	$	82,909	$	78,321	$	546,857
Special mention		—		—		960		554		—		499		200		2,213
Substandard		98		463		2,405		4,427		19		805		84		8,301
Total commercial - general loans	$	108,045	$	72,963	$	113,173	$	70,545	$	29,827	$	84,213	$	78,605	$	557,371
Year-to-date gross charge-offs	$	—	$	199	$	466	$	17	$	—	$	134	$	266	$	1,082

Consumer 1-4 family residential
Pass	$	87,266	$	101,022	$	150,358	$	91,929	$	49,057	$	73,730	$	5,800	$	559,162
Special mention		—		—		—		—		—		—		—		—
Substandard		—		810		284		1,057		225		4,812		50		7,238
Total consumer 1-4 family residential loans	$	87,266	$	101,832	$	150,642	$	92,986	$	49,282	$	78,542	$	5,850	$	566,400
Year-to-date gross charge-offs	$	—	$	—	$	121	$	51	$	—	$	3	$	—	$	175

Consumer auto loans
Pass	$	70,621	$	72,009	$	76,412	$	25,869	$	7,293	$	1,931	$	—	$	254,135
Special mention		—		—		—		—		—		—		—		—
Substandard		21		28		82		179		4		25		—		339
Total consumer auto loans	$	70,642	$	72,037	$	76,494	$	26,048	$	7,297	$	1,956	$	—	$	254,474
Year-to-date gross charge-offs	$	23	$	386	$	519	$	198	$	25	$	35	$	—	$	1,186

Consumer other consumer
Pass	$	23,665	$	12,969	$	14,790	$	5,477	$	1,232	$	5,382	$	1,324	$	64,839
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		8		47		—		42		—		97
Total consumer other consumer loans	$	23,665	$	12,969	$	14,798	$	5,524	$	1,232	$	5,424	$	1,324	$	64,936
Year-to-date gross charge-offs ⁽¹⁾	$	469	$	308	$	245	$	43	$	29	$	145	$	18	$	1,257

Construction
Pass	$	65,920	$	30,572	$	2,172	$	2,630	$	—	$	—	$	891	$	102,185
Special mention		—		—		—		—		—		—		—		—
Substandard		—		1,190		480		—		—		—		—		1,670
Total construction loans	$	65,920	$	31,762	$	2,652	$	2,630	$	—	$	—	$	891	$	103,855
Year-to-date gross charge-offs	$	—	$	315	$	—	$	—	$	—	$	—	$	—	$	315

⁽¹⁾Includes $457 thousand in charged-off demand deposit overdrafts reported as 2024 originations.

Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extensions, an other than insignificant payment delay, or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged-off against the allowance for credit losses. Typically, one type of concession, such as term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. In some cases, the Company provides multiple types of concessions on one loan.

The following tables present the amortized cost basis of loans at September 30, 2025 and 2024 that were both experiencing financial difficulty and modified during the periods indicated, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below (dollars in thousands):

	Payment Delay		Term Extension		Rate Reduction		Term Extension and Payment Delay		Term Extension and Interest Rate Reduction		Payment Delay and Interest Rate Reduction		Payment Delay, Term Extension, and Interest Rate Reduction		% of Total Class of Financing Receivable
Three Months Ended September 30, 2025
Commercial real estate	$	—	$	124	$	—	$	604	$	—	$	—	$	—		0.07	%
Commercial - specialized		—		—		—		101		—		—		—		0.03	%
Commercial - general		—		139		—		3,955		—		—		—		0.65	%
Consumer:
1-4 family		—		—		—		—		—		—		—		0.00	%
Auto loans		—		—		—		—		—		—		—		0.00	%
Other consumer		—		—		—		—		—		—		—		0.00	%
Construction		—		530		—		—		—		—		—		0.54	%
	$	—	$	793	$	—	$	4,660	$	—	$	—	$	—		0.18	%
Three Months Ended September 30, 2024
Commercial real estate	$	74	$	—	$	—	$	—	$	—	$	—	$	—		0.01	%
Commercial - specialized		—		—		—		—		—		—		—		0.00	%
Commercial - general		—		—		—		11		—		—		—		0.00	%
Consumer:
1-4 family		263		—		—		—		—		—		—		0.05	%
Auto loans		—		—		—		—		—		—		—		0.00	%
Other consumer		—		—		—		—		—		—		—		0.00	%
Construction		—		—		820		1,538		—		—		—		2.30	%
	$	337	$	—	$	820	$	1,549	$	—	$	—	$	—		0.09	%
Nine Months Ended September 30, 2025
Commercial real estate	$	—	$	124	$	—	$	604	$	—	$	—	$	—		0.07	%
Commercial - specialized		—		—		—		101		—		—		—		0.03	%
Commercial - general		—		391		—		3,998		—		—		8		0.70	%
Consumer:
1-4 family		—		—		—		—		—		—		—		0.00	%
Auto loans		44		—		—		—		—		—		3		0.02	%
Other consumer		—		—		—		15		—		—		—		0.02	%
Construction		—		530		—		—		—		—		—		0.54	%
	$	44	$	1,045	$	—	$	4,718	$	—	$	—	$	11		0.19	%
Nine Months Ended September 30, 2024
Commercial real estate	$	74	$	67	$	—	$	—	$	—	$	—	$	—		0.01	%
Commercial - specialized		15		—		—		—		—		—		—		0.00	%
Commercial - general		—		441		—		11		35		—		—		0.09	%
Consumer:
1-4 family		263		—		—		—		—		—		—		0.05	%
Auto loans		—		—		—		—		—		—		—		0.00	%
Other consumer		—		—		—		—		—		—		—		0.00	%
Construction		—		—		820		1,538		—		—		—		2.30	%
	$	352	$	508	$	820	$	1,549	$	35	$	—	$	—		0.11	%

The following table presents the financial effects of the loan modifications presented above to borrowers experiencing financial difficulty during the periods indicated below (dollars in thousands):

	Weighted-Average Interest Rate Reduction			Weighted- Average Term Extension (Months)
Three Months Ended September 30, 2025
Commercial real estate		0.00	%		9
Commercial - specialized		0.00	%		11
Commercial - general		0.00	%		5
Consumer:
1-4 Family residential		0.00	%		—
Auto loans		0.00	%		—
Other consumer		0.00	%		—
Construction		0.00	%		3

Three Months Ended September 30, 2024
Commercial real estate		0.00	%		—
Commercial - specialized		0.00	%		—
Commercial - general		0.00	%		3
Consumer:
1-4 Family residential		0.00	%		—
Auto loans		0.00	%		—
Other consumer		0.00	%		—
Construction		4.25	%		6

Nine Months Ended September 30, 2025
Commercial real estate		0.00	%		9
Commercial - specialized		0.00	%		11
Commercial - general		1.00	%		7
Consumer:
1-4 Family residential		0.00	%		—
Auto loans		1.20	%		50
Other consumer		0.00	%		5
Construction		0.00	%		3

Nine Months Ended September 30, 2024
Commercial real estate		0.00	%		12
Commercial - specialized		0.00	%		—
Commercial - general		1.75	%		15
Consumer:
1-4 Family residential		0.00	%		—
Auto loans		0.00	%		—
Other consumer		0.00	%		—
Construction		4.25	%		6

The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following presents the performance of such loans that have been modified in the last twelve months at the dates indicated (dollars in thousands):

	Current		30-89 Days Past Due		90 Days or More Past Due		Nonaccrual
September 30, 2025
Commercial real estate	$	727	$	—	$	—	$	—
Commercial - specialized		—		—		—		101
Commercial - general		243		156		—		4,045
Consumer:
1-4 Family residential		185		237		84		—
Auto loans		47		—		—		—
Other consumer		15		—		—		—
Construction		—		529		—		—
	$	1,217	$	922	$	84	$	4,146

September 30, 2024
Commercial real estate	$	2,220	$	—	$	—	$	—
Commercial - specialized		—		—		—		14
Commercial - general		969		—		—		80
Consumer:
1-4 Family residential		762		—		21		—
Auto loans		49		—		—		—
Other consumer		—		—		—		—
Construction		1,240		96		—		1,442
	$	5,240	$	96	$	21	$	1,536

During the three months ended September 30, 2025, the Company had no loans made to borrowers experiencing financial difficulty that were modified during the last twelve months that subsequently defaulted. During the nine months ended September 30, 2025, the Company had $97 thousand in loans made to borrowers experiencing financial difficulty that were modified during the last twelve months that subsequently defaulted. Payment default is defined as movement to nonperforming status, foreclosure, or charge-off.

During the three and nine months ended September 30, 2024, the Company had $32 thousand in loans made to borrowers experiencing financial difficulty that were modified during the last twelve months that subsequently defaulted.

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2025
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

STOCK-BASED COMPENSATION - Restricted Stock Awards and Units (Details) - Restricted Stock Units [Member]	9 Months Ended
	Sep. 30, 2025 $ / shares shares
STOCK-BASED COMPENSATION [Abstract]
Outstanding at beginning of year (in Shares) \| shares	187,895
Outstanding at beginning of year (in Dollars per share) \| $ / shares	$ 26.51
Granted (in Shares) \| shares	73,488
Granted (in Dollars per share) \| $ / shares	$ 34.3
Vested (in Shares) \| shares	(18,271)
Vested (in Dollars per share) \| $ / shares	$ 29.86
Forfeited (in Shares) \| shares	(1,590)
Forfeited (in Dollars per share) \| $ / shares	$ 27.69
Balance at ending of period (in Shares) \| shares	241,522
Balance at ending of period (in Dollars per share) \| $ / shares	$ 28.61

SECURITIES - Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
SECURITIES [Abstract]
Amortized Cost, Within 1 year	$ 205
Fair Value, Within 1 year	205
Amortized Cost, After 1 year through 5 years	5,490
Fair Value, After 1 year through 5 years	5,421
Amortized Cost, After 5 years through 10 years	19,867
Fair Value, After 5 years through 10 years	18,951
Amortized Cost, After 10 years	181,852
Fair Value, After 10 years	157,445
Amortized Cost, Declining-balance securities	438,749
Fair Value, Declining-balance securities	389,116
Amortized cost	646,163	$ 669,014
Fair value	$ 571,138	$ 577,240

DERIVATIVES - Fair Value of Mortgage Banking Derivatives (Details) - Mortgage Banking [Member] - Forward Contracts [Member] - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Other Assets [Member]
DERIVATIVES [Abstract]
Derivative asset, notional amount	$ 16,375	$ 16,000
Derivative asset, fair value	13	76
Other Assets [Member]
DERIVATIVES [Abstract]
Derivative asset, notional amount	25,639	12,937
Derivative asset, fair value	343	222
Other Liabilities [Member]
DERIVATIVES [Abstract]
Derivative liability, notional amount	8,620	1,277
Derivative liability, fair value	$ 75	$ 12

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2023	$ 16,417	$ 97,107	$ 345,264	$ (51,674)	$ 407,114
Balance (in Shares) at Dec. 31, 2023	16,417,099
Net income	$ 0	0	33,220	0	33,220
Cash dividends declared	0	0	(6,702)	0	(6,702)
Other comprehensive income	0	0	0	9,261	9,261
Net issuance of stock related to stock-based awards	$ 23	(155)	0	0	(132)
Net issuance of stock related to stock-based awards (in Shares)	23,327
Repurchases of common stock	$ (54)	(1,286)	0	0	(1,340)
Repurchases of common stock (in Shares)	(53,799)
Stock-based compensation	$ 0	1,701	0	0	1,701
Balance at Sep. 30, 2024	$ 16,386	97,367	371,782	(42,413)	443,122
Balance (in Shares) at Sep. 30, 2024	16,386,627
Balance at Jun. 30, 2024	$ 16,424	97,766	362,855	(59,060)	417,985
Balance (in Shares) at Jun. 30, 2024	16,424,021
Net income	$ 0	0	11,212	0	11,212
Cash dividends declared	0	0	(2,285)	0	(2,285)
Other comprehensive income	0	0	0	16,647	16,647
Net issuance of stock related to stock-based awards	$ 2	(2)	0	0	0
Net issuance of stock related to stock-based awards (in Shares)	2,606
Repurchases of common stock	$ (40)	(960)	0	0	(1,000)
Repurchases of common stock (in Shares)	(40,000)
Stock-based compensation	$ 0	563	0	0	563
Balance at Sep. 30, 2024	$ 16,386	97,367	371,782	(42,413)	443,122
Balance (in Shares) at Sep. 30, 2024	16,386,627
Balance at Dec. 31, 2024	$ 16,456	97,287	385,827	(60,621)	$ 438,949
Balance (in Shares) at Dec. 31, 2024	16,455,826				16,455,826
Net income	$ 0	0	43,217	0	$ 43,217
Cash dividends declared	0	0	(7,502)	0	(7,502)
Other comprehensive income	0	0	0	9,517	9,517
Net issuance of stock related to stock-based awards	$ 35	(312)	0	0	(277)
Net issuance of stock related to stock-based awards (in Shares)	35,134
Stock issued under employee stock purchase plan	$ 16	435	0	0	451
Stock issued under employee stock purchase plan (in Shares)	15,925
Repurchases of common stock	$ (259)	(8,267)	0	0	(8,526)
Repurchases of common stock (in Shares)	(259,046)
Stock-based compensation	$ 0	1,973	0	0	1,973
Balance at Sep. 30, 2025	$ 16,248	91,116	421,542	(51,104)	$ 477,802
Balance (in Shares) at Sep. 30, 2025	16,247,839				16,247,839
Balance at Jun. 30, 2025	$ 16,230	90,268	407,822	(60,246)	$ 454,074
Balance (in Shares) at Jun. 30, 2025	16,230,475
Net income	$ 0	0	16,318	0	16,318
Cash dividends declared	0	0	(2,598)	0	(2,598)
Other comprehensive income	0	0	0	9,142	9,142
Net issuance of stock related to stock-based awards	$ 11	(11)	0	0	0
Net issuance of stock related to stock-based awards (in Shares)	10,153
Stock issued under employee stock purchase plan	$ 7	209	0	0	216
Stock issued under employee stock purchase plan (in Shares)	7,211
Stock-based compensation	$ 0	650	0	0	650
Balance at Sep. 30, 2025	$ 16,248	$ 91,116	$ 421,542	$ (51,104)	$ 477,802
Balance (in Shares) at Sep. 30, 2025	16,247,839				16,247,839

CAPITAL AND REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 2025

CAPITAL AND REGULATORY MATTERS [Abstract]

Actual Capital Amounts and Ratios

The Company and its bank subsidiary’s actual capital amounts and ratios at the dates indicated follows (dollars in thousands):

	Actual					Minimum Required Under BASEL III					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
September 30, 2025
Total Capital to Risk Weighted Assets:
Consolidated	$	611,541		17.34	%	$	370,388		10.50	%		N/A		N/A
City Bank		533,034		15.11	%		370,347		10.50	%	$	352,711		10.00	%

Tier 1 Capital to Risk Weighted Assets:
Consolidated		553,326		15.69	%		299,838		8.50	%		N/A		N/A
City Bank		488,925		13.86	%		299,804		8.50	%		282,169		8.00	%

Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		508,326		14.41	%		246,926		7.00	%		N/A		N/A
City Bank		488,925		13.86	%		246,898		7.00	%		229,262		6.50	%

Tier 1 Capital to Average Assets:
Consolidated		553,326		12.37	%		179,724		4.00	%		N/A		N/A
City Bank		488,925		10.94	%		179,648		4.00	%		223,531		5.00	%

December 31, 2024
Total Capital to Risk Weighted Assets:
Consolidated	$	631,713		17.86	%	$	371,426		10.50	%		N/A		N/A
City Bank		520,788		14.73	%		371,351		10.50	%	$	353,667		10.00	%

Tier 1 Capital to Risk Weighted Assets:
Consolidated		523,535		14.80	%		300,678		8.50	%		N/A		N/A
City Bank		476,574		13.48	%		300,617		8.50	%		282,934		8.00	%

Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		478,535		13.53	%		247,617		7.00	%		N/A		N/A
City Bank		476,574		13.48	%		247,567		7.00	%		229,884		6.50	%

Tier 1 Capital to Average Assets:
Consolidated		523,535		12.04	%		174,777		4.00	%		N/A		N/A
City Bank		476,574		10.96	%		174,710		4.00	%		217,336		5.00	%

SECURITIES - Securities with Unrealized Losses Segregated by the Period in a Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
SECURITIES [Abstract]
Less than 12 months, Fair Value	$ 65,624	$ 73,696
Less than 12 months, Unrealized Loss	204	215
12 months or more, Fair Value	481,163	501,758
12 months or more, Unrealized Loss	75,362	91,560
Total, Fair Value	546,787	575,454
Total, Unrealized Loss	75,566	91,775
State and Municipal [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	205	205
Less than 12 months, Unrealized Loss	0	1
12 months or more, Fair Value	164,102	171,306
12 months or more, Unrealized Loss	25,617	26,291
Total, Fair Value	164,307	171,511
Total, Unrealized Loss	25,617	26,292
Residential Mortgage-backed Securities [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	0	8
Less than 12 months, Unrealized Loss	0	0
12 months or more, Fair Value	255,160	264,088
12 months or more, Unrealized Loss	44,427	56,925
Total, Fair Value	255,160	264,096
Total, Unrealized Loss	44,427	56,925
Commercial Mortgage-backed Securities [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	1,976	0
Less than 12 months, Unrealized Loss	7	0
12 months or more, Fair Value	41,321	40,360
12 months or more, Unrealized Loss	4,281	6,241
Total, Fair Value	43,297	40,360
Total, Unrealized Loss	4,288	6,241
Commercial Collateralized Mortgage Obligations [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	63,443	73,483
Less than 12 months, Unrealized Loss	197	214
12 months or more, Fair Value	0	0
12 months or more, Unrealized Loss	0	0
Total, Fair Value	63,443	73,483
Total, Unrealized Loss	197	214
Asset-backed and Other Amortizing Securities [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	0	0
Less than 12 months, Unrealized Loss	0	0
12 months or more, Fair Value	13,705	14,581
12 months or more, Unrealized Loss	912	1,526
Total, Fair Value	13,705	14,581
Total, Unrealized Loss	912	1,526
Other Securities [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	0	0
Less than 12 months, Unrealized Loss	0	0
12 months or more, Fair Value	6,875	11,423
12 months or more, Unrealized Loss	125	577
Total, Fair Value	6,875	11,423
Total, Unrealized Loss	$ 125	$ 577

GOODWILL AND INTANGIBLES - Other Intangible Assets (Details) - Core Deposit Intangible [Member] - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
GOODWILL AND INTANGIBLES [Abstract]
Core deposit intangible	$ 6,679	$ 6,679
Less: Accumulated amortization	(5,414)	(4,959)
Other intangible assets, net	$ 1,265	$ 1,720

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

9 Months Ended

Sep. 30, 2025

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Operations – South Plains Financial, Inc. (“SPFI”) is a Texas corporation and registered bank holding company that conducts its principal activities through its subsidiaries from offices located throughout Texas and Eastern New Mexico. Principal activities include commercial and retail banking, along with investment, trust, and mortgage services. The following were subsidiaries of SPFI as of September 30, 2025:

Wholly-Owned, Consolidated Subsidiaries:
City Bank	Bank subsidiary
Ruidoso Retail, Inc.	Non-bank subsidiary
CB Provence, LLC	Non-bank subsidiary
CBT Brushy Creek, LLC	Non-bank subsidiary
CBT Properties, LLC	Non-bank subsidiary
Wholly-Owned, Equity Method Subsidiaries:
South Plains Financial Capital Trusts (“SPFCT”) III-V	Non-bank subsidiaries

Basis of Presentation and Consolidation – The consolidated financial statements in this Quarterly Report on Form 10-Q for the three and nine months ended September 30, 2025 (this “Form 10-Q”) include the accounts of SPFI and its wholly-owned consolidated subsidiaries (collectively referred to as the “Company”) identified above. All significant intercompany balances and transactions have been eliminated in consolidation.

The interim consolidated financial statements in this Form 10-Q have not been audited by an independent registered public accounting firm, but in the opinion of management, reflect all adjustments necessary for a fair presentation of the Company’s financial position, results of operations, and cash flows. All such adjustments were of a normal and recurring nature. The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q adopted by the U.S. Securities and Exchange Commission (“SEC”). Accordingly, the financial statements do not include all of the information and notes required by GAAP for complete financial statements and should be read in conjunction with the Company’s audited consolidated financial statements, and notes thereto in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 as filed with the SEC on March 7, 2025 (the “2024 Annual Report on Form 10-K”). Operating results for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for a full year or any future period.

Use of Estimates – The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Determination of the adequacy of the allowance for credit losses (“ACL”) is a material estimate that is particularly susceptible to significant change in the near term; the assumptions used in stock-based compensation, derivatives, mortgage servicing rights, and fair values of financial instruments can also involve significant management estimates.

Recent Accounting Pronouncements – Updates to the Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) are prescribed in Accounting Standards Updates (“ASUs”), which are not authoritative until incorporated into the ASC.

ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments in this ASU modify the disclosure or presentation requirements of a variety of Topics in the Codification. Certain of the amendments represent clarifications to, or technical corrections of the current requirements. Each amendment in the ASU will only become effective if the SEC removes the related disclosure or presentation requirement from its existing regulations by June 30, 2027. The amendments in this ASU are not expected to have a material impact on the Company’s financial statements.

ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The amendments in this ASU are intended to improve the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the rate reconciliation and income taxes paid disaggregated by jurisdiction. It also includes certain other amendments intended to improve the effectiveness of income tax disclosures. This ASU is effective for annual periods beginning after December 15, 2024. The adoption of this ASU is not expected to have a material effect on the Company’s financial statements.

ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. This ASU requires public companies to disclose in a tabular format, in the notes to the financial statements, specific disaggregated information about certain prescribed categories of expenses at each interim and annual reporting period. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Implementation of this ASU may be applied prospectively or retrospectively. The Company does not expect the adoption of this ASU to have a material impact on the Company’s financial statements.

Subsequent Events – The Company has evaluated subsequent events and transactions from September 30, 2025 through the date this Form 10-Q was filed with the SEC for potential recognition or disclosure as required by GAAP.

STOCK-BASED COMPENSATION - Fair Value Assumptions (Details) - Stock Option [Member] - $ / shares	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
STOCK-BASED COMPENSATION [Abstract]
Expected volatility	41.21%	40.45%
Expected dividend yield	1.80%	1.80%
Expected term (years)	6 years 1 month 6 days	6 years 1 month 6 days
Risk-free interest rate	4.43%	3.94%
Weighted average grant date fair value (in Dollars per share)	$ 13.35	$ 11.1

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (f)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 35
-Paragraph 1D
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

EARNINGS PER SHARE

9 Months Ended

Sep. 30, 2025

EARNINGS PER SHARE [Abstract]

EARNINGS PER SHARE

11. EARNINGS PER SHARE

The factors used in the earnings per share computation for the periods indicated follow (dollars in thousands, except per share data):

	Three Months Ended September 30,				Nine Months Ended September 30,
	2025		2024		2025		2024
Net income	$	16,318	$	11,212	$	43,217	$	33,220

Weighted average common shares outstanding - basic		16,241,695		16,386,079		16,295,757		16,413,685
Effect of dilutive securities:
Stock-based compensation awards		748,851		670,880		684,833		565,753
Weighted average common shares outstanding - diluted		16,990,546		17,056,959		16,980,590		16,979,438

Basic earnings per share	$	1.00	$	0.68	$	2.65	$	2.02
Diluted earnings per share	$	0.96	$	0.66	$	2.55	$	1.96

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Interest income:
Loans, including fees	$ 53,928	$ 51,505	$ 158,384	$ 151,008
Securities:
Taxable	4,638	5,300	14,030	16,096
Non-taxable	853	803	2,456	2,419
Federal funds sold and interest-bearing deposits in banks	5,101	4,032	13,707	10,052
Total interest income	64,520	61,640	188,577	179,575
Interest expense:
Deposits	19,925	22,653	59,814	65,945
Subordinated debt	835	835	2,505	2,505
Junior subordinated deferrable interest debentures	741	858	2,209	2,575
Total interest expense	21,501	24,346	64,528	71,025
Net interest income	43,019	37,294	124,049	108,550
Provision for credit losses	500	495	3,420	3,100
Net interest income, after provision for credit losses	42,519	36,799	120,629	105,450
Noninterest income:
Service charges on deposit accounts	2,266	2,023	6,505	5,785
Net gain on sales of loans	2,338	2,715	7,584	8,157
Bank card services and interchange fees	3,403	3,302	10,553	10,415
Other mortgage banking income	237	(825)	710	1,075
Investment commissions	428	391	1,288	1,275
Fiduciary fees	729	613	2,161	2,087
Other	1,764	2,416	5,154	5,959
Total noninterest income	11,165	10,635	33,955	34,753
Noninterest expense:
Salaries and employee benefits	19,413	18,767	58,562	56,954
Occupancy and equipment, net	4,046	4,255	12,045	12,204
Professional services	1,293	1,807	4,897	5,028
Marketing and development	979	1,015	2,803	2,629
IT and data services	1,184	1,092	3,529	3,168
Bank card expenses	1,637	1,500	4,670	4,413
Appraisal expenses	284	246	712	702
Other	4,188	4,446	12,379	12,532
Total noninterest expense	33,024	33,128	99,597	97,630
Income before income taxes	20,660	14,306	54,987	42,573
Income tax expense	4,342	3,094	11,770	9,353
Net income	$ 16,318	$ 11,212	$ 43,217	$ 33,220
Earnings per share:
Basic (in Dollars per share)	$ 1	$ 0.68	$ 2.65	$ 2.02
Diluted (in Dollars per share)	$ 0.96	$ 0.66	$ 2.55	$ 1.96
Net income	$ 16,318	$ 11,212	$ 43,217	$ 33,220
Other comprehensive income:
Unrealized gains on securities available for sale	12,450	25,268	16,749	14,997
Less: Change in fair value on hedged state and municipal securities	(878)	(4,196)	(4,703)	(3,274)
Tax effect	(2,430)	(4,425)	(2,529)	(2,462)
Other comprehensive income	9,142	16,647	9,517	9,261
Comprehensive income	$ 25,460	$ 27,859	$ 52,734	$ 42,481

FAIR VALUE DISCLOSURES (Tables)

9 Months Ended

Sep. 30, 2025

FAIR VALUE DISCLOSURES [Abstract]

Assets (Liabilities) Measured at Fair Value on Recurring and Non-Recurring Basis

The following table summarizes fair value measurements as of the dates indicated below (dollars in thousands):

	Level 1		Level 2			Level 3		Total
September 30, 2025
Assets (liabilities) measured at fair value on a recurring basis:
Securities available for sale:
State and municipal	$	—	$	175,147		$	—	$	175,147
Residential mortgage-backed securities		—		264,026			—		264,026
Commercial mortgage-backed securities		—		43,296			—		43,296
Commercial collateralized mortgage obligations		—		68,089			—		68,089
Asset-backed and other amortizing securities		—		13,705			—		13,705
Other securities		—		6,875			—		6,875
Loans held for sale (mandatory)		—		9,912			—		9,912
Mortgage servicing rights		—		—			24,458		24,458
Asset derivatives		—		10,895			—		10,895
Liability derivatives		—		(75	)		—		(75	)

Assets measured at fair value on a non-recurring basis:
Loans held for investment		—		—			7,230		7,230

December 31, 2024
Assets (liabilities) measured at fair value on a recurring basis:
Securities available for sale:
State and municipal	$	—	$	173,297		$	—	$	173,297
Residential mortgage-backed securities		—		264,096			—		264,096
Commercial mortgage-backed securities		—		40,360			—		40,360
Commercial collateralized mortgage obligations		—		73,483			—		73,483
Asset-backed and other amortizing securities		—		14,581			—		14,581
Other securities		—		11,423			—		11,423
Loans held for sale (mandatory)		—		13,791			—		13,791
Mortgage servicing rights		—		—			26,292		26,292
Asset derivatives		—		15,998			—		15,998
Liability derivatives		—		(12	)		—		(12	)

Assets measured at fair value on a non-recurring basis:
Loans held for investment		—		—			20,566		20,566

Quantitative Information about Recurring and Non-Recurring Level 3 Fair Value Measurements

The following table presents quantitative information about recurring and non-recurring Level 3 fair value measurements at the dates indicated (dollars in thousands):

	Fair Value		Valuation Techniques	Unobservable Inputs	Range of Discounts
September 30, 2025
Non-recurring:
Loans held for investment	$	7,230	Third party appraisals or inspections	Collateral discounts and selling costs	20% to 50%
Recurring:
Mortgage servicing rights		24,458	Discounted cash flows	Constant prepayment rate		8.22	%
				Discount rate		9.70	%

December 31, 2024
Non-recurring:
Loans held for investment	$	20,566	Third party appraisals or inspections	Collateral discounts and selling costs		20	%
Recurring:
Mortgage servicing rights		26,292	Discounted cash flows	Constant prepayment rate		7.16	%
				Discount rate		10.17	%

Estimated Fair Values, and Related Carrying Amounts of Financial Instruments

The estimated fair values, and related carrying amounts, of the Company’s financial instruments that are not previously disclosed in the recurring fair values section are as follows (dollars in thousands):

	Carrying Amount		Level 1		Level 2		Level 3		Total Fair Value

September 30, 2025
Financial assets:
Cash and cash equivalents	$	635,046	$	635,046	$	—	$	—	$	635,046
Loans held for investment, net		3,009,378		—		—		2,982,640		2,982,640
Loans held for sale (best efforts)		3,134		—		3,193		—		3,193
Accrued interest receivable		18,012		—		18,012		—		18,012
Financial liabilities:
Deposits		3,881,143		—		3,880,874		—		3,880,874
Accrued interest payable		4,671		—		4,671		—		4,671
Short-term borrowings		—		—		—		—		—
Junior subordinated deferrable interest debentures		46,393		—		34,827		—		34,827
Subordinated debt		14,100		—		14,012		—		14,012

December 31, 2024
Financial assets:
Cash and cash equivalents	$	359,082	$	359,082	$	—	$	—	$	359,082
Loans held for investment, net		3,011,817		—		—		2,937,678		2,937,678
Loans held for sale (best efforts)		6,751		—		6,875		—		6,875
Accrued interest receivable		21,687		—		21,687		—		21,687
Financial liabilities:
Deposits		3,620,876		—		3,621,106		—		3,621,106
Accrued interest payable		6,108		—		6,108		—		6,108
Junior subordinated deferrable interest debentures		46,393		—		34,285		—		34,285
Subordinated debt		63,961		—		60,969		—		60,969

STOCK-BASED COMPENSATION

9 Months Ended

Sep. 30, 2025

STOCK-BASED COMPENSATION [Abstract]

STOCK-BASED COMPENSATION

7. STOCK-BASED COMPENSATION

Equity Incentive Plan

The 2019 Equity Incentive Plan (“Plan”) was approved by the Company’s Board of Directors on January 16, 2019 and by its shareholders on March 6, 2019. The purpose of the Plan is to: (i) attract and retain the best available personnel for positions of substantial responsibility, (ii) provide additional incentive to employees, directors and consultants, and (iii) promote the success of the Company’s business. The Plan permits the grant of incentive stock options, non-statutory stock options, stock appreciation rights, restricted stock, restricted stock units, performance units, performance shares, and other stock-based awards. The maximum aggregate number of shares of common stock that may be issued pursuant to all awards under the Plan was 5,413,184 at September 30, 2025. The maximum aggregate number of shares that may be issued under the Plan may be increased annually by up to 3% of the total issued and outstanding common shares of the Company at the beginning of each fiscal year.

The fair value of each option award is estimated on the date of grant using the Black-Scholes model that uses the assumptions noted in the table below. Expected volatilities are based on historical volatilities of the Company’s common stock and similar peer company averages. The Company uses historical data to estimate option exercise and post-vesting termination behavior. The expected term of options granted represents the period of time that options granted are expected to be outstanding, which takes in to account that the options are not transferable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.

Options

A summary of activity in the Plan during the period indicated is presented in the table below (dollars in thousands, except per share data):

	Number of Shares			Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Life in Years		Aggregate Intrinsic Value
Nine Months Ended September 30, 2025
Outstanding at beginning of year:		1,175,787		$	17.83			$	24,477
Granted		30,024			34.01				139
Exercised		(51,138	)		18.55				(1,028	)
Forfeited		—			—				—
Expired		—			—				—

Balance at end of period		1,154,673		$	18.22		4.02	$	23,588

Exercisable at end of period		1,082,045		$	17.38		3.73	$	23,018

Vested at end of period		1,082,045		$	17.38		3.73	$	23,018

A summary of assumptions used to calculate the fair values of the awards granted during the periods noted is presented below:

	Nine Months Ended September 30,
	2025			2024
Expected volatility		41.21	%		40.45	%
Expected dividend yield		1.80	%		1.80	%
Expected term (years)		6.1			6.1
Risk-free interest rate		4.43	%		3.94	%
Weighted average grant date fair value	$	13.35		$	11.10

The total intrinsic value of options exercised during the nine months ended September 30, 2025 and 2024 was $917 thousand and $134 thousand, respectively.

Restricted Stock Awards and Units

A summary of activity in the Plan during the period indicated is presented in the table below:

	Number of Shares			Weighted- Average Grant Date Fair Value
Nine Months Ended September 30, 2025
Outstanding at beginning of year:		187,895		$	26.51
Granted		73,488			34.30
Vested		(18,271	)		29.86
Forfeited		(1,590	)		27.69

Balance at end of period		241,522		$	28.61

Restricted stock units granted under the Plan typically vest from one to four years, but vesting periods may vary. Compensation expense for these grants will be recognized over the vesting period of the awards based on the fair value of the stock at the issue date. The total fair value of restricted stock units vested during each of the nine months ended September 30, 2025 and 2024 was $546 thousand and $643 thousand, respectively.

For the three months ended September 30, 2025 and 2024, the Company recorded stock-based compensation expense related to the Plan of $621 thousand and $563 thousand, respectively. For the nine months ended September 30, 2025 and 2024, the Company recorded stock-based compensation expense related to the Plan of $1.9 million and $1.7 million, respectively.

The total unrecognized compensation cost for the awards outstanding under the Plan at September 30, 2025 was $4.2 million and will be recognized over a weighted average remaining period of 1.66 years.

Employee Stock Purchase Plan – The Company maintains the South Plains Financial, Inc. 2023 Employee Stock Purchase Plan (the “ESPP”) offering eligible employees an opportunity to purchase shares of Company common stock at a 15% discount from the lesser of fair market value on the first or last day of each six-month offering period, beginning August 1, 2024. The ESPP provides for the purchase of up to an aggregate of one million shares of the Company’s common stock by the employees. A maximum of 1,200 shares per employee may be purchased per offering period. The ESPP benefit is treated as compensation to the employee, and the compensation expense will be recognized over the service period based on the grant date fair value of the rights determined at the beginning of the purchase period, adjusted for forfeitures and certain modifications. Stock-based compensation expense related to the ESPP was $29 thousand and $94 thousand for the three and nine months ended September 30, 2025, respectively. At September 30, 2025, there was $39 thousand of total unrecognized compensation expense related to estimated ESPP shares. These costs are expected to be recognized over a period of seven months. As of September 30, 2025, 15,925 shares were issued under the ESPP.

A summary of assumptions used to calculate the grant date fair value of the ESPP rights for the period indicated is presented below:

	Nine Months Ended September 30, 2025
Expected volatility	29.24% to 36.08%
Expected dividend yield	1.70% to 1.89%
Expected term (years)		0.5
Risk-free interest rate	4.12% to 5.02%

DERIVATIVES

9 Months Ended

Sep. 30, 2025

DERIVATIVES [Abstract]

DERIVATIVES

10. DERIVATIVES

The Company utilizes interest rate swap agreements as part of its asset-liability management strategy to help manage its interest rate risk position. These interest rate swaps are designated and qualify as fair value hedges and are entered into to reduce exposure to changes in fair value of fixed rate financial instruments. The notional amounts of the interest rate swaps do not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amounts and the other terms of the individual interest rate swap agreements.

The following table reflects the changes in fair value hedges included in the Consolidated Statements of Comprehensive Income for the periods indicated (dollars in thousands):

		Three Months Ended
		September 30,
Interest Rate Contracts	Location	2025			2024
Change in fair value of interest rate swaps hedging investment securities	Other noninterest expense	$	(912	)	$	(4,409	)
Change in fair value of hedged investment securities	Other noninterest expense		878			4,196
Change in fair value of interest rate swaps hedging fixed rate loans	Interest income - loans		(43	)		(179	)
Change in fair value of hedged fixed rate loans	Interest income - loans		23			168

		Nine Months Ended
		September 30,
Interest Rate Contracts	Location	2025			2024
Change in fair value of interest rate swaps hedging investment securities	Other noninterest expense	$	(5,016	)	$	(3,545	)
Change in fair value of hedged investment securities	Other noninterest expense		4,703			3,274
Change in fair value of interest rate swaps hedging fixed rate loans	Interest income - loans		(145	)		26
Change in fair value of hedged fixed rate loans	Interest income - loans		150			52

The following table reflects the fair value hedges included in the Consolidated Balance Sheets at the dates indicated (dollars in thousands):

	September 30, 2025				December 31, 2024
	Notional Amount		Fair Value		Notional Amount		Fair Value
Included in other liabilities:
Interest rate swaps related to fixed rate loans	$	—	$	—	$	—	$	—
Interest rate swaps related to state and municipal securities		—		—		—		—
Included in other assets:
Interest rate swaps related to fixed rate loans	$	8,043	$	60	$	11,803	$	205
Interest rate swaps related to state and municipal securities		117,860		10,479		123,760		15,495

Mortgage banking derivatives

The net gains (losses) relating to free standing derivative instruments used for risk management are summarized below for the periods indicated (dollars in thousands):

		Three Months Ended
		September 30,
	Location	2025			2024
Gain (loss) on mortgage banking derivatives	Net gain on sales of loans	$	(42	)	$	(25	)

		Nine Months Ended
		September 30,
	Location	2025			2024
Gain (loss) on mortgage banking derivatives	Net gain on sales of loans	$	(5	)	$	219

The following table reflects the amount and fair value of mortgage banking derivatives in the Consolidated Balance Sheets at the dates indicated (dollars in thousands):

	September 30, 2025				December 31, 2024
	Notional Amount		Fair Value		Notional Amount		Fair Value
Included in other assets:
Forward contracts related to mortgage loans held for sale	$	16,375	$	13	$	16,000	$	76
Interest rate lock commitments		25,639		343		12,937		222

Included in other liabilities:
Forward contracts related to mortgage loans held for sale	$	8,620	$	75	$	1,277	$	12

The Company had received cash collateral of $10.5 million and $17.0 million to offset asset derivative positions on its interest rate swaps at September 30, 2025 and December 31, 2024, respectively. This amount is reported in other liabilities in the Consolidated Balance Sheets. The Company had advanced $1.1 million to offset liability derivative positions on its interest rate swaps at September 30, 2025 and December 31, 2024. Additionally, the Company had advanced $270 thousand on its mortgage forward contracts at September 30, 2025 and December 31, 2024. The advanced cash collateral amounts are reported in cash and due from banks in the Consolidated Balance Sheets.

- Definition

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

+ References

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+ Details

STOCK-BASED COMPENSATION (Tables)

9 Months Ended

Sep. 30, 2025

STOCK-BASED COMPENSATION [Abstract]

Summary of Stock Option Activity

A summary of activity in the Plan during the period indicated is presented in the table below (dollars in thousands, except per share data):

	Number of Shares			Weighted- Average Exercise Price		Weighted- Average Remaining Contractual Life in Years		Aggregate Intrinsic Value
Nine Months Ended September 30, 2025
Outstanding at beginning of year:		1,175,787		$	17.83			$	24,477
Granted		30,024			34.01				139
Exercised		(51,138	)		18.55				(1,028	)
Forfeited		—			—				—
Expired		—			—				—

Balance at end of period		1,154,673		$	18.22		4.02	$	23,588

Exercisable at end of period		1,082,045		$	17.38		3.73	$	23,018

Vested at end of period		1,082,045		$	17.38		3.73	$	23,018

Summary of Assumptions Used to Calculate Fair Value of Awards

A summary of assumptions used to calculate the fair values of the awards granted during the periods noted is presented below:

	Nine Months Ended September 30,
	2025			2024
Expected volatility		41.21	%		40.45	%
Expected dividend yield		1.80	%		1.80	%
Expected term (years)		6.1			6.1
Risk-free interest rate		4.43	%		3.94	%
Weighted average grant date fair value	$	13.35		$	11.10

Summary of Activity of Restricted Stock Units

A summary of activity in the Plan during the period indicated is presented in the table below:

	Number of Shares			Weighted- Average Grant Date Fair Value
Nine Months Ended September 30, 2025
Outstanding at beginning of year:		187,895		$	26.51
Granted		73,488			34.30
Vested		(18,271	)		29.86
Forfeited		(1,590	)		27.69

Balance at end of period		241,522		$	28.61

Summary of Assumptions Used to Calculate the Grant Date Fair Value of the ESPP Rights

A summary of assumptions used to calculate the grant date fair value of the ESPP rights for the period indicated is presented below:

	Nine Months Ended September 30, 2025
Expected volatility	29.24% to 36.08%
Expected dividend yield	1.70% to 1.89%
Expected term (years)		0.5
Risk-free interest rate	4.12% to 5.02%

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)

9 Months Ended

Sep. 30, 2025

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]

Subsidiaries Information

The following were subsidiaries of SPFI as of September 30, 2025:

Wholly-Owned, Consolidated Subsidiaries:
City Bank	Bank subsidiary
Ruidoso Retail, Inc.	Non-bank subsidiary
CB Provence, LLC	Non-bank subsidiary
CBT Brushy Creek, LLC	Non-bank subsidiary
CBT Properties, LLC	Non-bank subsidiary
Wholly-Owned, Equity Method Subsidiaries:
South Plains Financial Capital Trusts (“SPFCT”) III-V	Non-bank subsidiaries

STOCK-BASED COMPENSATION (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
STOCK-BASED COMPENSATION (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
STOCK-BASED COMPENSATION [Abstract]
Stock-based compensation			$ 1,973	$ 1,701
Restricted Stock Units [Member]
STOCK-BASED COMPENSATION [Abstract]
Fair value of restricted stock units vested			546	643
Stock-based compensation	$ 621	$ 563	1,900	1,700
Unrecognized compensation expense	$ 4,200		$ 4,200
Weighted average remaining period, recognition of compensation cost			1 year 7 months 28 days
Maximum [Member] \| Restricted Stock Units [Member]
STOCK-BASED COMPENSATION [Abstract]
Award vesting period			4 years
Minimum [Member] \| Restricted Stock Units [Member]
STOCK-BASED COMPENSATION [Abstract]
Award vesting period			1 year
2019 Equity Incentive Plan [Member]
STOCK-BASED COMPENSATION [Abstract]
Maximum aggregate number of shares of common stock that may be issued (in Shares)	5,413,184		5,413,184
2019 Equity Incentive Plan [Member] \| Stock Option [Member]
STOCK-BASED COMPENSATION [Abstract]
Intrinsic value of options exercised			$ 917	$ 134
2019 Equity Incentive Plan [Member] \| Maximum [Member]
STOCK-BASED COMPENSATION [Abstract]
Annual increase in number of shares that may be issued			3.00%
ESPP [Member]
STOCK-BASED COMPENSATION [Abstract]
Maximum aggregate number of shares of common stock that may be issued (in Shares)	1,000,000		1,000,000
Stock-based compensation	$ 29		$ 94
Unrecognized compensation expense	$ 39		$ 39
Weighted average remaining period, recognition of compensation cost			7 months
Percentage of discount on common stock			15.00%
Maximum number of shares per employee (in Shares)			1,200
Number of shares issued ESPP (in Shares)			15,925

LOANS HELD FOR INVESTMENT - Activity in ACL for Loans and Investment in Loans Disaggregated Based on Method of Evaluating Impairment (Details) - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

12 Months Ended

Sep. 30, 2025

Sep. 30, 2024

Sep. 30, 2025

Sep. 30, 2024

Dec. 31, 2024

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

$ 45,010

$ 43,173

$ 43,237

$ 42,356

Provision for credit losses

400

600

3,150

3,140

Charge-offs

(1,483)

(1,056)

(3,107)

(3,055)

Recoveries

198

169

845

445

Ending Balance

44,125

42,886

44,125

42,886

43,237

Individually Evaluated - Fair Value of Collateral

7,377

21,118

Individually Evaluated - Fair Value of Collateral

147

552

Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

1,059

Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

6,318

21,118

Other [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Commercial Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

15,706

15,593

15,973

15,808

Provision for credit losses

(228)

290

(495)

160

Charge-offs

(541)

(86)

(87)

Recoveries

Ending Balance

14,937

15,924

14,937

15,924

15,973

Individually Evaluated - Fair Value of Collateral

3,179

19,543

Individually Evaluated - Fair Value of Collateral

552

Commercial Real Estate [Member] | Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Commercial Real Estate [Member] | Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

3,179

19,543

Commercial Real Estate [Member] | Other [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Construction [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

1,948

2,040

1,943

2,391

Provision for credit losses

(47)

353

(47)

Charge-offs

(315)

Recoveries

Ending Balance

1,901

2,078

1,901

2,078

1,943

Individually Evaluated - Fair Value of Collateral

141

1,575

Individually Evaluated - Fair Value of Collateral

Construction [Member] | Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Construction [Member] | Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

141

1,575

Construction [Member] | Other [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Specialized [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

4,881

4,736

4,640

4,020

Provision for credit losses

(81)

149

821

Charge-offs

Recoveries

Ending Balance

4,809

4,907

4,809

4,907

4,640

Individually Evaluated - Fair Value of Collateral

Specialized [Member] | Commercial [Member] | Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Specialized [Member] | Commercial [Member] | Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Specialized [Member] | Commercial [Member] | Other [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

General [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

7,228

6,841

6,874

6,391

Provision for credit losses

(373)

526

747

Charge-offs

(172)

(78)

(530)

(798)

(1,082)

Recoveries

105

378

Ending Balance

7,248

6,400

7,248

6,400

6,874

Individually Evaluated - Fair Value of Collateral

3,955

Individually Evaluated - Fair Value of Collateral

147

General [Member] | Commercial [Member] | Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

1,059

General [Member] | Commercial [Member] | Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

2,896

General [Member] | Commercial [Member] | Other [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

1-4 Family Residential [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

11,150

9,702

9,677

9,177

Provision for credit losses

234

(143)

1,659

551

Charge-offs

(307)

(3)

(307)

(175)

Recoveries

Ending Balance

11,080

9,558

11,080

9,558

9,677

Individually Evaluated - Fair Value of Collateral

102

Individually Evaluated - Fair Value of Collateral

1-4 Family Residential [Member] | Consumer [Member] | Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

1-4 Family Residential [Member] | Consumer [Member] | Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

102

1-4 Family Residential [Member] | Consumer [Member] | Other [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Auto Loans [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

2,995

3,287

3,015

3,601

Provision for credit losses

132

716

129

Charge-offs

(202)

(296)

(897)

(786)

(1,186)

Recoveries

132

116

Ending Balance

2,966

3,060

2,966

3,060

3,015

Individually Evaluated - Fair Value of Collateral

Auto Loans [Member] | Consumer [Member] | Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Auto Loans [Member] | Consumer [Member] | Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Auto Loans [Member] | Consumer [Member] | Other [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Other Consumer [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

1,102

974

1,115

968

Provision for credit losses

303

294

712

730

Charge-offs

(261)

(364)

(832)

^[1]

(895)

(1,257)

^[2]

Recoveries

189

156

Ending Balance

1,184

$ 959

1,184

$ 959

1,115

Individually Evaluated - Fair Value of Collateral

Other Consumer [Member] | Consumer [Member] | Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Other Consumer [Member] | Consumer [Member] | Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Other Consumer [Member] | Consumer [Member] | Other [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

$ 0

[1]	Includes $345 thousand in charged-off demand deposit overdrafts reported as 2025 originations.
[2]	Includes $457 thousand in charged-off demand deposit overdrafts reported as 2024 originations.

SECURITIES (Details) $ in Millions	9 Months Ended	12 Months Ended
SECURITIES (Details) $ in Millions	Sep. 30, 2025 USD ($) Security	Dec. 31, 2024 USD ($) Security
SECURITIES [Abstract]
Holdings of securities of any one issuer, other than the U.S. government, its agencies, or its sponsored enterprises, in an amount greater than 10% of stockholders' equity	0	0
Carrying value of securities pledged to collateralize public deposits and for other purposes (in Dollars) \| $	$ 406.9	$ 309.0
Number of securities with an unrealized loss	129

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
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-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
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-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

BORROWING ARRANGEMENTS (Details) - USD ($) $ in Thousands		9 Months Ended
BORROWING ARRANGEMENTS (Details) - USD ($) $ in Thousands	Sep. 29, 2020	Sep. 30, 2025	Dec. 31, 2024	Dec. 31, 2018
Subordinated Debt [Member]
BORROWING ARRANGEMENTS [Abstract]
Debt instrument, face amount		$ 14,100	$ 64,100
Debt issuance cost			139
Subordinated debt			64,000
Subordinated Debt [Member] \| Subordinated Debt Securities Issued in December 2018 [Member]
BORROWING ARRANGEMENTS [Abstract]
Debt instrument, face amount				$ 14,100
Debt instrument, maturity date		Dec. 31, 2030
Debt instrument, weighted average interest rate				6.41%
Debt instrument, period of fixed interest rate		7 years
Debt instrument, variable interest rate, floor		4.00%
Debt instrument, variable interest rate, ceiling		7.50%
Subordinated Debt [Member] \| Subordinated Debt Securities Issued in September 29, 2020 [Member]
BORROWING ARRANGEMENTS [Abstract]
Debt instrument, face amount	$ 50,000	$ 50,000
Debt instrument, maturity date	Sep. 30, 2025	Sep. 30, 2030
Debt instrument, weighted average interest rate	4.50%
Debt instrument, period of fixed interest rate		5 years
Debt issuance cost	$ 926
Maximum [Member] \| Subordinated Debt [Member] \| Subordinated Debt Securities Issued in December 2018 [Member]
BORROWING ARRANGEMENTS [Abstract]
Remaining maturity period during which debt can be called		5 years
Federal Home Loan Bank of Dallas [Member] \| City Bank [Member] \| Federal Home Loan Bank Advance [Member]
BORROWING ARRANGEMENTS [Abstract]
Original amount of advances		$ 0	$ 0

SECURITIES (Tables)

9 Months Ended

Sep. 30, 2025

SECURITIES [Abstract]

Amortized Cost and Fair Value of Securities with Gross Unrealized Gains and Losses

A summary of the amortized cost, related gross unrealized gains and losses, allowance for credit losses, and estimated fair value of securities available for sale at the dates indicated is presented below (dollars in thousands):

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Allowance for Credit Losses		Fair Value
September 30, 2025
Available for sale:
State and municipal	$	200,414	$	350	$	(25,617	)	$	—	$	175,147
Residential mortgage-backed securities		308,335		118		(44,427	)		—		264,026
Commercial mortgage-backed securities		47,584		—		(4,288	)		—		43,296
Commercial collateralized mortgage obligations		68,213		73		(197	)		—		68,089
Asset-backed and other amortizing securities		14,617		—		(912	)		—		13,705
Other securities		7,000		—		(125	)		—		6,875
	$	646,163	$	541	$	(75,566	)	$	—	$	571,138
December 31, 2024
Available for sale:
State and municipal	$	199,588	$	1	$	(26,292	)	$	—	$	173,297
Residential mortgage-backed securities		321,021		—		(56,925	)		—		264,096
Commercial mortgage-backed securities		46,601		—		(6,241	)		—		40,360
Commercial collateralized mortgage obligations		73,697		—		(214	)		—		73,483
Asset-backed and other amortizing securities		16,107		—		(1,526	)		—		14,581
Other securities		12,000		—		(577	)		—		11,423
	$	669,014	$	1	$	(91,775	)	$	—	$	577,240

Amortized Cost and Fair Value of Securities by Contractual Maturity

The amortized cost and estimated fair value of securities at September 30, 2025 are presented below by contractual maturity (dollars in thousands). Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Declining-balance securities are shown separately since they are not due at a single maturity date.

	Available for Sale
	Amortized Cost		Fair Value
Within 1 year	$	205	$	205
After 1 year through 5 years		5,490		5,421
After 5 years through 10 years		19,867		18,951
After 10 years		181,852		157,445
Declining-balance securities		438,749		389,116
	$	646,163	$	571,138

Securities with Unrealized Losses Segregated by the Period in a Loss Position

The following table segregates securities with unrealized losses at the periods indicated, by the duration they have been in a loss position for which an allowance for credit losses has not been recorded (dollars in thousands):

	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
September 30, 2025
State and municipal	$	205	$	—	$	164,102	$	25,617	$	164,307	$	25,617
Residential mortgage-backed securities		—		—		255,160		44,427		255,160		44,427
Commercial mortgage-backed securities		1,976		7		41,321		4,281		43,297		4,288
Commercial collateralized mortgage obligations		63,443		197		—		—		63,443		197
Asset-backed and other amortizing securities		—		—		13,705		912		13,705		912
Other securities		—		—		6,875		125		6,875		125
	$	65,624	$	204	$	481,163	$	75,362	$	546,787	$	75,566

December 31, 2024
State and municipal	$	205	$	1	$	171,306	$	26,291	$	171,511	$	26,292
Residential mortgage-backed securities		8		—		264,088		56,925		264,096		56,925
Commercial mortgage-backed securities		—		—		40,360		6,241		40,360		6,241
Commercial collateralized mortgage obligations		73,483		214		—		—		73,483		214
Asset-backed and other amortizing securities		—		—		14,581		1,526		14,581		1,526
Other securities		—		—		11,423		577		11,423		577
	$	73,696	$	215	$	501,758	$	91,560	$	575,454	$	91,775

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-9

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

MORTGAGE SERVICING RIGHTS - Change in Fair Value of Mortgage Servicing Rights Asset and Other Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024	Dec. 31, 2024
MORTGAGE SERVICING RIGHTS [Abstract]
Beginning balance	$ 25,134	$ 26,426	$ 26,292	$ 26,569
Additions	249	207	832	689
Valuation adjustment	(925)	(2,060)	(2,666)	(2,685)
Ending balance	24,458	$ 24,573	24,458	$ 24,573
Mortgage loans serviced for others	$ 1,832,082		$ 1,832,082		$ 1,903,854
Mortgage servicing rights assets as a percentage of serviced mortgage loans	1.33%		1.33%		1.38%

- Definition

Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

+ Details

MORTGAGE SERVICING RIGHTS (Tables)

9 Months Ended

Sep. 30, 2025

MORTGAGE SERVICING RIGHTS [Abstract]

Change in Fair Value of Mortgage Servicing Rights Asset and Other Information

The following table reflects the changes in fair value of the Company’s mortgage servicing rights asset included in the Consolidated Balance Sheets, and other information related to the serviced portfolio, for the periods or dates presented (dollars in thousands):

	Three Months Ended September 30,						Nine Months Ended September 30,
	2025			2024			2025			2024
Beginning balance	$	25,134		$	26,426		$	26,292		$	26,569
Additions		249			207			832			689
Valuation adjustment		(925	)		(2,060	)		(2,666	)		(2,685	)
Ending balance	$	24,458		$	24,573		$	24,458		$	24,573

	September 30,			December 31,
	2025			2024
Mortgage loans serviced for others	$	1,832,082		$	1,903,854
Mortgage servicing rights assets as a percentage of serviced mortgage loans		1.33	%		1.38	%

Key Assumptions Used in Measuring Fair Value of Mortgage Servicing Rights

The following table reflects the key assumptions used in measuring the fair value of the Company’s mortgage servicing rights as of the dates indicated:

	September 30,			December 31,
	2025			2024
Weighted average constant prepayment rate		8.22	%		7.16	%
Weighted average discount rate		9.70	%		10.17	%
Weighted average life in years		7.66			8.09

DERIVATIVES - Net Gains (Losses) Relating to Derivative Instruments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Mortgage Banking [Member] \| Mortgage Banking Derivatives [Member] \| Net Gain on Sales of Loans [Member]
DERIVATIVES [Abstract]
Gain (loss) on mortgage banking derivatives	$ (42)	$ (25)	$ (5)	$ 219

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

DERIVATIVES (Tables)

9 Months Ended

Sep. 30, 2025

Mortgage Banking [Member]

DERIVATIVES [Abstract]

Net Gains (Losses) Relating to Derivative Instruments

The net gains (losses) relating to free standing derivative instruments used for risk management are summarized below for the periods indicated (dollars in thousands):

		Three Months Ended
		September 30,
	Location	2025			2024
Gain (loss) on mortgage banking derivatives	Net gain on sales of loans	$	(42	)	$	(25	)

		Nine Months Ended
		September 30,
	Location	2025			2024
Gain (loss) on mortgage banking derivatives	Net gain on sales of loans	$	(5	)	$	219

Fair Value of Derivatives in Consolidated Balance Sheets

The following table reflects the amount and fair value of mortgage banking derivatives in the Consolidated Balance Sheets at the dates indicated (dollars in thousands):

	September 30, 2025				December 31, 2024
	Notional Amount		Fair Value		Notional Amount		Fair Value
Included in other assets:
Forward contracts related to mortgage loans held for sale	$	16,375	$	13	$	16,000	$	76
Interest rate lock commitments		25,639		343		12,937		222

Included in other liabilities:
Forward contracts related to mortgage loans held for sale	$	8,620	$	75	$	1,277	$	12

Fair Value Hedging [Member]

DERIVATIVES [Abstract]

Fair Value of Derivatives in Consolidated Balance Sheets

The following table reflects the fair value hedges included in the Consolidated Balance Sheets at the dates indicated (dollars in thousands):

	September 30, 2025				December 31, 2024
	Notional Amount		Fair Value		Notional Amount		Fair Value
Included in other liabilities:
Interest rate swaps related to fixed rate loans	$	—	$	—	$	—	$	—
Interest rate swaps related to state and municipal securities		—		—		—		—
Included in other assets:
Interest rate swaps related to fixed rate loans	$	8,043	$	60	$	11,803	$	205
Interest rate swaps related to state and municipal securities		117,860		10,479		123,760		15,495

Fair Value Hedging [Member] | Interest Rate Contracts [Member]

DERIVATIVES [Abstract]

Net Gains (Losses) Relating to Derivative Instruments

The following table reflects the changes in fair value hedges included in the Consolidated Statements of Comprehensive Income for the periods indicated (dollars in thousands):

		Three Months Ended
		September 30,
Interest Rate Contracts	Location	2025			2024
Change in fair value of interest rate swaps hedging investment securities	Other noninterest expense	$	(912	)	$	(4,409	)
Change in fair value of hedged investment securities	Other noninterest expense		878			4,196
Change in fair value of interest rate swaps hedging fixed rate loans	Interest income - loans		(43	)		(179	)
Change in fair value of hedged fixed rate loans	Interest income - loans		23			168

		Nine Months Ended
		September 30,
Interest Rate Contracts	Location	2025			2024
Change in fair value of interest rate swaps hedging investment securities	Other noninterest expense	$	(5,016	)	$	(3,545	)
Change in fair value of hedged investment securities	Other noninterest expense		4,703			3,274
Change in fair value of interest rate swaps hedging fixed rate loans	Interest income - loans		(145	)		26
Change in fair value of hedged fixed rate loans	Interest income - loans		150			52

LOANS HELD FOR INVESTMENT (Tables)

9 Months Ended

Sep. 30, 2025

LOANS HELD FOR INVESTMENT [Abstract]

Summary of Loans Held for Investment by Category

Loans held for investment are summarized by category as of the dates presented below (dollars in thousands):

	September 30, 2025			December 31, 2024
Commercial real estate	$	1,035,926		$	1,119,063
Commercial - specialized		377,783			388,955
Commercial - general		629,256			557,371
Consumer:
1-4 family residential		592,578			566,400
Auto loans		256,281			254,474
Other consumer		63,727			64,936
Construction		97,952			103,855
		3,053,503			3,055,054
Allowance for credit losses on loans		(44,125	)		(43,237	)
Loans, net	$	3,009,378		$	3,011,817

Activity in ACL for Loans and Investment in Loans Disaggregated Based on Method of Evaluating Impairment

	Beginning Balance		Provision for Credit Losses			Charge-offs			Recoveries		Ending Balance
For the three months ended September 30, 2025
Commercial real estate	$	15,706	$	(228	)	$	(541	)	$	—	$	14,937
Commercial - specialized		4,881		(81	)		—			9		4,809
Commercial - general		7,228		87			(172	)		105		7,248
Consumer:
1-4 family residential		11,150		234			(307	)		3		11,080
Auto loans		2,995		132			(202	)		41		2,966
Other consumer		1,102		303			(261	)		40		1,184
Construction		1,948		(47	)		—			—		1,901
	$	45,010	$	400		$	(1,483	)	$	198	$	44,125

For the three months ended September 30, 2024
Commercial real estate	$	15,593	$	290		$	—		$	41	$	15,924
Commercial - specialized		4,736		149			—			22		4,907
Commercial - general		6,841		(373	)		(78	)		10		6,400
Consumer:
1-4 family residential		9,702		(143	)		(3	)		2		9,558
Auto loans		3,287		30			(296	)		39		3,060
Other consumer		974		294			(364	)		55		959
Construction		2,040		353			(315	)		—		2,078
	$	43,173	$	600		$	(1,056	)	$	169	$	42,886
For the nine months ended September 30, 2025
Commercial real estate	$	15,973	$	(495	)	$	(541	)	$	—	$	14,937
Commercial - specialized		4,640		79			—			90		4,809
Commercial - general		6,874		526			(530	)		378		7,248
Consumer:
1-4 family residential		9,677		1,659			(307	)		51		11,080
Auto loans		3,015		716			(897	)		132		2,966
Other consumer		1,115		712			(832	)		189		1,184
Construction		1,943		(47	)		—			5		1,901
	$	43,237	$	3,150		$	(3,107	)	$	845	$	44,125

For the nine months ended September 30, 2024
Commercial real estate	$	15,808	$	160		$	(86	)	$	42	$	15,924
Commercial - specialized		4,020		821			—			66		4,907
Commercial - general		6,391		747			(798	)		60		6,400
Consumer:
1-4 family residential		9,177		551			(175	)		5		9,558
Auto loans		3,601		129			(786	)		116		3,060
Other consumer		968		730			(895	)		156		959
Construction		2,391		2			(315	)		—		2,078
	$	42,356	$	3,140		$	(3,055	)	$	445	$	42,886

	Equipment		Real Estate		Other		Total Loans Individually Evaluated		Total ACL for Individually Evaluated Loans
September 30, 2025
Commercial real estate	$	—	$	3,179	$	—	$	3,179	$	—
Commercial - specialized		—		—		—		—		—
Commercial - general		1,059		2,896		—		3,955		147
Consumer:
1-4 family residential		—		102		—		102		—
Auto loans		—		—		—		—		—
Other consumer		—		—		—		—		—
Construction		—		141		—		141		—
	$	1,059	$	6,318	$	—	$	7,377	$	147
December 31, 2024
Commercial real estate	$	—	$	19,543	$	—	$	19,543	$	552
Commercial - specialized		—		—		—		—		—
Commercial - general		—		—		—		—		—
Consumer:
1-4 family residential		—		—		—		—		—
Auto loans		—		—		—		—		—
Other consumer		—		—		—		—		—
Construction		—		1,575		—		1,575		—
	$	—	$	21,118	$	—	$	21,118	$	552

Age Analysis on Accruing Past-due Loans and Nonaccrual Loans

The tables below provide an age analysis on accruing past-due loans and nonaccrual loans at the dates indicated (dollars in thousands):

	30-89 Days Past Due		90 Days or More Past Due		Nonaccrual		Nonaccrual with no ACL
September 30, 2025
Commercial real estate	$	226	$	46	$	3,179	$	3,179
Commercial - specialized		—		—		167		—
Commercial - general		780		28		4,109		—
Consumer:
1-4 Family residential		2,429		882		883		102
Auto loans		408		163		—		—
Other consumer		622		94		17		—
Construction		529		—		141		141
	$	4,994	$	1,213	$	8,496	$	3,422
December 31, 2024
Commercial real estate	$	594	$	96	$	19,543	$	—
Commercial - specialized		1,770		240		105		—
Commercial - general		1,374		244		180		—
Consumer:
1-4 Family residential		1,966		1,042		676		—
Auto loans		1,004		114		—		—
Other consumer		1,125		185		23		—
Construction		95		—		1,575		1,575
	$	7,928	$	1,921	$	22,102	$	1,575

Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year and Gross Charge-offs

	Term Loans
	Amortized Cost Basis by Origination Year September 30, 2025
(Dollars in thousands)	2025		2024		2023		2022		2021		Prior		Revolving Loans		Total

Commercial real estate
Pass	$	137,102	$	148,914	$	204,634	$	249,340	$	103,723	$	151,600	$	7,943	$	1,003,256
Special mention		—		2,840		6,730		—		173		1,104		—		10,847
Substandard		363		62		5,268		4,543		5,539		6,048		—		21,823
Total commercial real estate loans	$	137,465	$	151,816	$	216,632	$	253,883	$	109,435	$	158,752	$	7,943	$	1,035,926
Year-to-date gross charge-offs	$	—	$	—	$	541	$	—	$	—	$	—	$	—	$	541

Commercial - specialized
Pass	$	89,081	$	38,820	$	41,657	$	25,520	$	33,548	$	30,738	$	92,206	$	351,570
Special mention		6,377		8,968		845		1,042		1,747		915		3,606		23,500
Substandard		—		55		536		831		1,223		68		—		2,713
Total commercial - specialized loans	$	95,458	$	47,843	$	43,038	$	27,393	$	36,518	$	31,721	$	95,812	$	377,783
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial - general
Pass	$	131,853	$	102,390	$	52,346	$	94,831	$	46,455	$	87,500	$	87,849	$	603,224
Special mention		—		2,170		10,675		—		1,022		480		1,365		15,712
Substandard		—		509		2,335		1,306		4,900		1,145		125		10,320
Total commercial - general loans	$	131,853	$	105,069	$	65,356	$	96,137	$	52,377	$	89,125	$	89,339	$	629,256
Year-to-date gross charge-offs	$	—	$	13	$	164	$	81	$	42	$	180	$	50	$	530

Consumer 1-4 family residential
Pass	$	86,941	$	71,022	$	92,336	$	141,828	$	79,469	$	100,836	$	4,766	$	577,198
Special mention		—		—		488		—		5,087		—		—		5,575
Substandard		—		2,960		1,385		1,072		641		3,747		—		9,805
Total consumer 1-4 family residential loans	$	86,941	$	73,982	$	94,209	$	142,900	$	85,197	$	104,583	$	4,766	$	592,578
Year-to-date gross charge-offs	$	—	$	—	$	31	$	—	$	215	$	61	$	—	$	307

Consumer auto loans
Pass	$	88,719	$	53,983	$	48,530	$	47,558	$	13,942	$	3,196	$	—	$	255,928
Special mention		—		—		—		—		—		—		—		—
Substandard		—		33		30		197		74		19		—		353
Total consumer auto loans	$	88,719	$	54,016	$	48,560	$	47,755	$	14,016	$	3,215	$	—	$	256,281
Year-to-date gross charge-offs	$	—	$	162	$	288	$	283	$	135	$	29	$	—	$	897

Consumer other consumer
Pass	$	23,433	$	14,783	$	8,022	$	8,669	$	2,645	$	4,593	$	1,487	$	63,632
Special mention		—		—		—		—		—		—		—		—
Substandard		17		14		—		15		13		36		—		95
Total consumer other consumer loans	$	23,450	$	14,797	$	8,022	$	8,684	$	2,658	$	4,629	$	1,487	$	63,727
Year-to-date gross charge-offs (1)	$	345	$	177	$	31	$	97	$	40	$	141	$	1	$	832

Construction
Pass	$	53,617	$	36,677	$	5,822	$	570	$	596	$	—	$	—	$	97,282
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		670		—		—		—		—		670
Total construction loans	$	53,617	$	36,677	$	6,492	$	570	$	596	$	—	$	—	$	97,952
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

⁽¹⁾Includes $345 thousand in charged-off demand deposit overdrafts reported as 2025 originations.

					Term Loans Amortized Cost Basis by Origination Year December 31, 2024
(Dollars in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans		Total
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Total

Commercial real estate
Pass	$	164,205	$	233,047	$	300,828	$	126,548	$	43,628	$	175,319	$	6,417	$	1,049,992
Special mention		—		—		—		32,243		441		5,464		483		38,631
Substandard		—		—		147		25,164		3,125		2,004		—		30,440
Total commercial real estate loans	$	164,205	$	233,047	$	300,975	$	183,955	$	47,194	$	182,787	$	6,900	$	1,119,063
Year-to-date gross charge-offs	$	—	$	—	$	65	$	—	$	—	$	22	$	—	$	87

Commercial - specialized
Pass	$	103,288	$	60,881	$	37,940	$	41,721	$	15,678	$	28,488	$	98,092	$	386,088
Special mention		214		—		1,600		—		—		—		—		1,814
Substandard		510		—		85		84		297		77		—		1,053
Total commercial - specialized loans	$	104,012	$	60,881	$	39,625	$	41,805	$	15,975	$	28,565	$	98,092	$	388,955
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial - general
Pass	$	107,947	$	72,500	$	109,808	$	65,564	$	29,808	$	82,909	$	78,321	$	546,857
Special mention		—		—		960		554		—		499		200		2,213
Substandard		98		463		2,405		4,427		19		805		84		8,301
Total commercial - general loans	$	108,045	$	72,963	$	113,173	$	70,545	$	29,827	$	84,213	$	78,605	$	557,371
Year-to-date gross charge-offs	$	—	$	199	$	466	$	17	$	—	$	134	$	266	$	1,082

Consumer 1-4 family residential
Pass	$	87,266	$	101,022	$	150,358	$	91,929	$	49,057	$	73,730	$	5,800	$	559,162
Special mention		—		—		—		—		—		—		—		—
Substandard		—		810		284		1,057		225		4,812		50		7,238
Total consumer 1-4 family residential loans	$	87,266	$	101,832	$	150,642	$	92,986	$	49,282	$	78,542	$	5,850	$	566,400
Year-to-date gross charge-offs	$	—	$	—	$	121	$	51	$	—	$	3	$	—	$	175

Consumer auto loans
Pass	$	70,621	$	72,009	$	76,412	$	25,869	$	7,293	$	1,931	$	—	$	254,135
Special mention		—		—		—		—		—		—		—		—
Substandard		21		28		82		179		4		25		—		339
Total consumer auto loans	$	70,642	$	72,037	$	76,494	$	26,048	$	7,297	$	1,956	$	—	$	254,474
Year-to-date gross charge-offs	$	23	$	386	$	519	$	198	$	25	$	35	$	—	$	1,186

Consumer other consumer
Pass	$	23,665	$	12,969	$	14,790	$	5,477	$	1,232	$	5,382	$	1,324	$	64,839
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		8		47		—		42		—		97
Total consumer other consumer loans	$	23,665	$	12,969	$	14,798	$	5,524	$	1,232	$	5,424	$	1,324	$	64,936
Year-to-date gross charge-offs ⁽¹⁾	$	469	$	308	$	245	$	43	$	29	$	145	$	18	$	1,257

Construction
Pass	$	65,920	$	30,572	$	2,172	$	2,630	$	—	$	—	$	891	$	102,185
Special mention		—		—		—		—		—		—		—		—
Substandard		—		1,190		480		—		—		—		—		1,670
Total construction loans	$	65,920	$	31,762	$	2,652	$	2,630	$	—	$	—	$	891	$	103,855
Year-to-date gross charge-offs	$	—	$	315	$	—	$	—	$	—	$	—	$	—	$	315

⁽¹⁾Includes $457 thousand in charged-off demand deposit overdrafts reported as 2024 originations.

Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications

	Payment Delay		Term Extension		Rate Reduction		Term Extension and Payment Delay		Term Extension and Interest Rate Reduction		Payment Delay and Interest Rate Reduction		Payment Delay, Term Extension, and Interest Rate Reduction		% of Total Class of Financing Receivable
Three Months Ended September 30, 2025
Commercial real estate	$	—	$	124	$	—	$	604	$	—	$	—	$	—		0.07	%
Commercial - specialized		—		—		—		101		—		—		—		0.03	%
Commercial - general		—		139		—		3,955		—		—		—		0.65	%
Consumer:
1-4 family		—		—		—		—		—		—		—		0.00	%
Auto loans		—		—		—		—		—		—		—		0.00	%
Other consumer		—		—		—		—		—		—		—		0.00	%
Construction		—		530		—		—		—		—		—		0.54	%
	$	—	$	793	$	—	$	4,660	$	—	$	—	$	—		0.18	%
Three Months Ended September 30, 2024
Commercial real estate	$	74	$	—	$	—	$	—	$	—	$	—	$	—		0.01	%
Commercial - specialized		—		—		—		—		—		—		—		0.00	%
Commercial - general		—		—		—		11		—		—		—		0.00	%
Consumer:
1-4 family		263		—		—		—		—		—		—		0.05	%
Auto loans		—		—		—		—		—		—		—		0.00	%
Other consumer		—		—		—		—		—		—		—		0.00	%
Construction		—		—		820		1,538		—		—		—		2.30	%
	$	337	$	—	$	820	$	1,549	$	—	$	—	$	—		0.09	%
Nine Months Ended September 30, 2025
Commercial real estate	$	—	$	124	$	—	$	604	$	—	$	—	$	—		0.07	%
Commercial - specialized		—		—		—		101		—		—		—		0.03	%
Commercial - general		—		391		—		3,998		—		—		8		0.70	%
Consumer:
1-4 family		—		—		—		—		—		—		—		0.00	%
Auto loans		44		—		—		—		—		—		3		0.02	%
Other consumer		—		—		—		15		—		—		—		0.02	%
Construction		—		530		—		—		—		—		—		0.54	%
	$	44	$	1,045	$	—	$	4,718	$	—	$	—	$	11		0.19	%
Nine Months Ended September 30, 2024
Commercial real estate	$	74	$	67	$	—	$	—	$	—	$	—	$	—		0.01	%
Commercial - specialized		15		—		—		—		—		—		—		0.00	%
Commercial - general		—		441		—		11		35		—		—		0.09	%
Consumer:
1-4 family		263		—		—		—		—		—		—		0.05	%
Auto loans		—		—		—		—		—		—		—		0.00	%
Other consumer		—		—		—		—		—		—		—		0.00	%
Construction		—		—		820		1,538		—		—		—		2.30	%
	$	352	$	508	$	820	$	1,549	$	35	$	—	$	—		0.11	%

The following table presents the financial effects of the loan modifications presented above to borrowers experiencing financial difficulty during the periods indicated below (dollars in thousands):

	Weighted-Average Interest Rate Reduction			Weighted- Average Term Extension (Months)
Three Months Ended September 30, 2025
Commercial real estate		0.00	%		9
Commercial - specialized		0.00	%		11
Commercial - general		0.00	%		5
Consumer:
1-4 Family residential		0.00	%		—
Auto loans		0.00	%		—
Other consumer		0.00	%		—
Construction		0.00	%		3

Three Months Ended September 30, 2024
Commercial real estate		0.00	%		—
Commercial - specialized		0.00	%		—
Commercial - general		0.00	%		3
Consumer:
1-4 Family residential		0.00	%		—
Auto loans		0.00	%		—
Other consumer		0.00	%		—
Construction		4.25	%		6

Nine Months Ended September 30, 2025
Commercial real estate		0.00	%		9
Commercial - specialized		0.00	%		11
Commercial - general		1.00	%		7
Consumer:
1-4 Family residential		0.00	%		—
Auto loans		1.20	%		50
Other consumer		0.00	%		5
Construction		0.00	%		3

Nine Months Ended September 30, 2024
Commercial real estate		0.00	%		12
Commercial - specialized		0.00	%		—
Commercial - general		1.75	%		15
Consumer:
1-4 Family residential		0.00	%		—
Auto loans		0.00	%		—
Other consumer		0.00	%		—
Construction		4.25	%		6

	Current		30-89 Days Past Due		90 Days or More Past Due		Nonaccrual
September 30, 2025
Commercial real estate	$	727	$	—	$	—	$	—
Commercial - specialized		—		—		—		101
Commercial - general		243		156		—		4,045
Consumer:
1-4 Family residential		185		237		84		—
Auto loans		47		—		—		—
Other consumer		15		—		—		—
Construction		—		529		—		—
	$	1,217	$	922	$	84	$	4,146

September 30, 2024
Commercial real estate	$	2,220	$	—	$	—	$	—
Commercial - specialized		—		—		—		14
Commercial - general		969		—		—		80
Consumer:
1-4 Family residential		762		—		21		—
Auto loans		49		—		—		—
Other consumer		—		—		—		—
Construction		1,240		96		—		1,442
	$	5,240	$	96	$	21	$	1,536

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Pay vs Performance Disclosure
Net Income (Loss)	$ 16,318	$ 11,212	$ 43,217	$ 33,220

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Accounting Policies, by Policy (Policies)	9 Months Ended
Accounting Policies, by Policy (Policies)	Sep. 30, 2025
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Consolidation	The consolidated financial statements in this Quarterly Report on Form 10-Q for the three and nine months ended September 30, 2025 (this “Form 10-Q”) include the accounts of SPFI and its wholly-owned consolidated subsidiaries (collectively referred to as the “Company”) identified above. All significant intercompany balances and transactions have been eliminated in consolidation.
Basis of Presentation	The interim consolidated financial statements in this Form 10-Q have not been audited by an independent registered public accounting firm, but in the opinion of management, reflect all adjustments necessary for a fair presentation of the Company’s financial position, results of operations, and cash flows. All such adjustments were of a normal and recurring nature. The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q adopted by the U.S. Securities and Exchange Commission (“SEC”). Accordingly, the financial statements do not include all of the information and notes required by GAAP for complete financial statements and should be read in conjunction with the Company’s audited consolidated financial statements, and notes thereto in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 as filed with the SEC on March 7, 2025 (the “2024 Annual Report on Form 10-K”). Operating results for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for a full year or any future period.
Use of Estimates	Use of Estimates – The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Determination of the adequacy of the allowance for credit losses (“ACL”) is a material estimate that is particularly susceptible to significant change in the near term; the assumptions used in stock-based compensation, derivatives, mortgage servicing rights, and fair values of financial instruments can also involve significant management estimates.
Recent Accounting Pronouncements	Recent Accounting Pronouncements – Updates to the Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) are prescribed in Accounting Standards Updates (“ASUs”), which are not authoritative until incorporated into the ASC. ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments in this ASU modify the disclosure or presentation requirements of a variety of Topics in the Codification. Certain of the amendments represent clarifications to, or technical corrections of the current requirements. Each amendment in the ASU will only become effective if the SEC removes the related disclosure or presentation requirement from its existing regulations by June 30, 2027. The amendments in this ASU are not expected to have a material impact on the Company’s financial statements. ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The amendments in this ASU are intended to improve the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the rate reconciliation and income taxes paid disaggregated by jurisdiction. It also includes certain other amendments intended to improve the effectiveness of income tax disclosures. This ASU is effective for annual periods beginning after December 15, 2024. The adoption of this ASU is not expected to have a material effect on the Company’s financial statements. ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. This ASU requires public companies to disclose in a tabular format, in the notes to the financial statements, specific disaggregated information about certain prescribed categories of expenses at each interim and annual reporting period. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Implementation of this ASU may be applied prospectively or retrospectively. The Company does not expect the adoption of this ASU to have a material impact on the Company’s financial statements.
Subsequent Events	Subsequent Events – The Company has evaluated subsequent events and transactions from September 30, 2025 through the date this Form 10-Q was filed with the SEC for potential recognition or disclosure as required by GAAP.

- Definition

Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478671/942-235-S50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(b)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
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+ Details

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Cash dividends, common (in Dollars per share)	$ 0.16	$ 0.14	$ 0.46	$ 0.41

FAIR VALUE DISCLOSURES - Quantitative Information about Recurring and Non-Recurring Level 3 Fair Value Measurements (Details) $ in Thousands	Sep. 30, 2025 USD ($)	Dec. 31, 2024 USD ($)
Third Party Appraisals or Inspections [Member] \| Non-recurring [Member]
FAIR VALUE DISCLOSURES [Abstract]
Loans held for investment (in Dollars) \| $	$ 7,230	$ 20,566
Discounted Cash Flows [Member] \| Recurring [Member]
FAIR VALUE DISCLOSURES [Abstract]
Mortgage servicing rights (in Dollars) \| $	$ 24,458	$ 26,292
Collateral Discounts and Selling Costs [Member] \| Third Party Appraisals or Inspections [Member] \| Non-recurring [Member]
FAIR VALUE DISCLOSURES [Abstract]
Loans held for investment, measurement input		20
Collateral Discounts and Selling Costs [Member] \| Third Party Appraisals or Inspections [Member] \| Non-recurring [Member] \| Minimum [Member]
FAIR VALUE DISCLOSURES [Abstract]
Loans held for investment, measurement input	20
Collateral Discounts and Selling Costs [Member] \| Third Party Appraisals or Inspections [Member] \| Non-recurring [Member] \| Maximum [Member]
FAIR VALUE DISCLOSURES [Abstract]
Loans held for investment, measurement input	50
Constant Prepayment Rate [Member] \| Discounted Cash Flows [Member] \| Recurring [Member]
FAIR VALUE DISCLOSURES [Abstract]
Mortgage servicing rights, measurement input	8.22	7.16
Discount Rate [Member] \| Discounted Cash Flows [Member] \| Recurring [Member]
FAIR VALUE DISCLOSURES [Abstract]
Mortgage servicing rights, measurement input	9.7	10.17

CONSOLIDATED BALANCE SHEETS (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
CONSOLIDATED BALANCE SHEETS [Abstract]
Loans held for sale, fair value (in Dollars)	$ 9,912	$ 13,791
Common stock, par value (in Dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	30,000,000	30,000,000
Common stock, shares issued (in shares)	16,247,839	16,455,826
Common stock, shares outstanding (in shares)	16,247,839	16,455,826

- Definition

Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.

+ References

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+ Details

SEGMENT INFORMATION	9 Months Ended
SEGMENT INFORMATION	Sep. 30, 2025
SEGMENT INFORMATION [Abstract]
SEGMENT INFORMATION	12. SEGMENT INFORMATION Operating segments are components of a business about which separate financial information is available that is evaluated regularly by the chief operating decision-maker (“CODM”) in deciding how to allocate resources and in assessing performance. The Company’s reportable banking segment is determined by its President, who is the designated CODM. City Bank is the only significant subsidiary upon which the CODM makes decisions regarding how to allocate resources and assess performance. Individual bank branches offer a group of similar services, including commercial, real estate and consumer loans, time deposits, checking and savings accounts, all with similar operating and economic characteristics. While the CODM monitors the revenue streams of the various products, services, and branch locations, operations are managed and financial performance is evaluated on a Company-wide basis. Accordingly, all of the community banking services and branch locations are considered by management to be aggregated into one reportable operating segment, banking. Loans, investments, and deposits provide the significant revenues and interest expense, provision for credit losses and salaries and employee benefits comprise the significant expenses within the banking segment. All significant revenues and expenses mentioned above are shown individually on the Consolidated Statements of Comprehensive Income.

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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+ Details

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES

9 Months Ended

Sep. 30, 2025

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES [Abstract]

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES

8. OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES

Financial instruments with off-balance-sheet risk - The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the Company’s consolidated financial statements. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making commitments as it does for recorded instruments.

Financial instruments whose contract amounts represent credit risk outstanding at the dates indicated follow (dollars in thousands):

	September 30, 2025		December 31, 2024
Commitments to grant loans and unfunded commitments under lines of credit	$	548,240	$	537,688
Standby letters of credit		29,587		18,696

Commitments to grant loans and extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The commitments for lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management’s credit evaluation of the customer.

Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company requires collateral supporting those commitments if deemed necessary.

FHLB Letters of Credit - The Company may use FHLB letters of credit to pledge to certain public deposits. At September 30, 2025 there were no FHLB letters of credit outstanding. At December 31, 2024 there were $75.0 million of FHLB letters or credit outstanding.

Litigation – The Company is a defendant in legal actions arising from time to time in the normal course of business. Management believes that the ultimate liability, if any, arising from these matters will not materially affect the consolidated financial statements, based on information known as of the date the consolidated financial statements were issued.

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 56,071	$ 54,114
Interest-bearing deposits in banks	578,975	304,968
Cash and cash equivalents	635,046	359,082
Securities available for sale	571,138	577,240
Loans held for sale ($9,912 and $13,791 at fair value at September 30, 2025 and December 31, 2024, respectively)	13,046	20,542
Loans held for investment	3,053,503	3,055,054
Allowance for credit losses on loans	(44,125)	(43,237)
Loans held for investment, net	3,009,378	3,011,817
Accrued interest receivable	18,012	21,687
Premises and equipment, net	51,809	52,951
Bank-owned life insurance	77,274	76,054
Goodwill	19,315	19,315
Intangible assets, net	1,265	1,720
Mortgage servicing rights	24,458	26,292
Deferred tax asset, net	21,650	22,840
Other assets	37,046	42,699
Total assets	4,479,437	4,232,239
Deposits:
Noninterest-bearing	1,049,501	935,510
Interest-bearing	2,831,642	2,685,366
Total deposits	3,881,143	3,620,876
Accrued expenses and other liabilities	59,999	62,060
Subordinated debt	14,100	63,961
Junior subordinated deferrable interest debentures	46,393	46,393
Total liabilities	4,001,635	3,793,290
Stockholders’ equity:
Common stock, $1.00 par value per share, 30,000,000 shares authorized; 16,247,839 and 16,455,826 issued and outstanding at September 30, 2025 and December 31, 2024, respectively	16,248	16,456
Additional paid-in capital	91,116	97,287
Retained earnings	421,542	385,827
Accumulated other comprehensive loss	(51,104)	(60,621)
Total stockholders’ equity	477,802	438,949
Total liabilities and stockholders’ equity	$ 4,479,437	$ 4,232,239

SUBSEQUENT EVENTS (Details) - Subsequent Event [Member] - Dividend Declared Q4 2025 [Member]	Oct. 15, 2025 $ / shares
SUBSEQUENT EVENTS [Abstract]
Dividends declared date	Oct. 15, 2025
Dividends declared per share (in Dollars per share)	$ 0.16
Dividends payable date	Nov. 10, 2025
Dividends record date	Oct. 27, 2025

MORTGAGE SERVICING RIGHTS - Key Assumptions Used in Measuring Fair Value of Mortgage Servicing Rights (Details)	9 Months Ended	12 Months Ended
	Sep. 30, 2025	Dec. 31, 2024
MORTGAGE SERVICING RIGHTS [Abstract]
Weighted average constant prepayment rate	8.22%	7.16%
Weighted average discount rate	9.70%	10.17%
Weighted average life in years	7 years 7 months 28 days	8 years 1 month 2 days

STOCK-BASED COMPENSATION - Employee Stock Purchase Plan (Details) - ESPP [Member]	9 Months Ended
	Sep. 30, 2025
STOCK-BASED COMPENSATION [Abstract]
Expected term (years)	6 months
Minimum [Member]
STOCK-BASED COMPENSATION [Abstract]
Expected volatility	29.24%
Expected dividend yield	1.70%
Risk-free interest rate	4.12%
Maximum [Member]
STOCK-BASED COMPENSATION [Abstract]
Expected volatility	36.08%
Expected dividend yield	1.89%
Risk-free interest rate	5.02%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

LOANS HELD FOR INVESTMENT - Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
LOANS HELD FOR INVESTMENT [Abstract]
% of total class of financing receivable	0.18%	0.09%	0.19%	0.11%
Nonaccrual	$ 4,146	$ 1,536	$ 4,146	$ 1,536
Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
% of total class of financing receivable	0.07%	0.01%	0.07%	0.01%
Weighted-average interest rate reduction	0.00%	0.00%	0.00%	0.00%
Weighted-average term extension	9 years		9 years	12 years
Nonaccrual	$ 0	$ 0	$ 0	$ 0
1-4 Family residential	0.00%	0.00%	0.00%	0.00%
Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
% of total class of financing receivable	0.54%	2.30%	0.54%	2.30%
Weighted-average interest rate reduction	0.00%	4.25%	0.00%	4.25%
Weighted-average term extension	3 years	6 years	3 years	6 years
Nonaccrual	$ 0	$ 1,442	$ 0	$ 1,442
1-4 Family residential	0.00%	4.25%	0.00%	4.25%
Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
% of total class of financing receivable	0.03%	0.00%	0.03%	0.00%
Weighted-average interest rate reduction	0.00%	0.00%	0.00%	0.00%
Weighted-average term extension	11 years		11 years
Nonaccrual	$ 101	$ 14	$ 101	$ 14
1-4 Family residential	0.00%	0.00%	0.00%	0.00%
General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
% of total class of financing receivable	0.65%	0.00%	0.70%	0.09%
Weighted-average interest rate reduction	0.00%	0.00%	1.00%	1.75%
Weighted-average term extension	5 years	3 years	7 years	15 years
Nonaccrual	$ 4,045	$ 80	$ 4,045	$ 80
1-4 Family residential	0.00%	0.00%	1.00%	1.75%
1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
% of total class of financing receivable	0.00%	0.05%	0.00%	0.05%
Weighted-average interest rate reduction	0.00%	0.00%	0.00%	0.00%
Nonaccrual	$ 0	$ 0	$ 0	$ 0
1-4 Family residential	0.00%	0.00%	0.00%	0.00%
Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
% of total class of financing receivable	0.00%	0.00%	0.02%	0.00%
Weighted-average interest rate reduction	0.00%	0.00%	1.20%	0.00%
Weighted-average term extension			50 years
Nonaccrual	$ 0	$ 0	$ 0	$ 0
1-4 Family residential	0.00%	0.00%	1.20%	0.00%
Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
% of total class of financing receivable	0.00%	0.00%	0.02%	0.00%
Weighted-average interest rate reduction	0.00%	0.00%	0.00%	0.00%
Weighted-average term extension			5 years
Nonaccrual	$ 0	$ 0	$ 0	$ 0
1-4 Family residential	0.00%	0.00%	0.00%	0.00%
Current [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 1,217	$ 5,240	$ 1,217	$ 5,240
Current [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	727	2,220	727	2,220
Current [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	1,240	0	1,240
Current [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Current [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	243	969	243	969
Current [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	185	762	185	762
Current [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	47	49	47	49
Current [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	15	0	15	0
30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	922	96	922	96
30-89 Days Past Due [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
30-89 Days Past Due [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	529	96	529	96
30-89 Days Past Due [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
30-89 Days Past Due [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	156	0	156	0
30-89 Days Past Due [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	237	0	237	0
30-89 Days Past Due [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
30-89 Days Past Due [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	84	21	84	21
90 Days or More Past Due [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
90 Days or More Past Due [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
90 Days or More Past Due [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
90 Days or More Past Due [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
90 Days or More Past Due [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	84	21	84	21
90 Days or More Past Due [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
90 Days or More Past Due [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	337	44	352
Payment Delay [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	74	0	74
Payment Delay [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	15
Payment Delay [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	263	0	263
Payment Delay [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	44	0
Payment Delay [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	793	0	1,045	508
Term Extension [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	124	0	124	67
Term Extension [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	530	0	530	0
Term Extension [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	139	0	391	441
Term Extension [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	820	0	820
Rate Reduction [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Rate Reduction [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	820	0	820
Rate Reduction [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Rate Reduction [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Rate Reduction [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Rate Reduction [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Rate Reduction [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	4,660	1,549	4,718	1,549
Term Extension and Payment Delay [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	604	0	604	0
Term Extension and Payment Delay [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	1,538	0	1,538
Term Extension and Payment Delay [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	101	0	101	0
Term Extension and Payment Delay [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	3,955	11	3,998	11
Term Extension and Payment Delay [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension and Payment Delay [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension and Payment Delay [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	15	0
Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	35
Term Extension and Interest Rate Reduction [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension and Interest Rate Reduction [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension and Interest Rate Reduction [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension and Interest Rate Reduction [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	35
Term Extension and Interest Rate Reduction [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension and Interest Rate Reduction [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Term Extension and Interest Rate Reduction [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay and Interest Rate Reduction [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay and Interest Rate Reduction [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay and Interest Rate Reduction [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay and Interest Rate Reduction [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay and Interest Rate Reduction [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay and Interest Rate Reduction [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay and Interest Rate Reduction [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	11	0
Payment Delay, Term Extension, and Interest Rate Reduction [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay, Term Extension, and Interest Rate Reduction [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay, Term Extension, and Interest Rate Reduction [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay, Term Extension, and Interest Rate Reduction [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	8	0
Payment Delay, Term Extension, and Interest Rate Reduction [Member] \| 1-4 Family Residential [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	0	0
Payment Delay, Term Extension, and Interest Rate Reduction [Member] \| Auto Loans [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0	3	0
Payment Delay, Term Extension, and Interest Rate Reduction [Member] \| Other Consumer [Member] \| Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0	$ 0	$ 0

MORTGAGE SERVICING RIGHTS

9 Months Ended

Sep. 30, 2025

MORTGAGE SERVICING RIGHTS [Abstract]

MORTGAGE SERVICING RIGHTS

5. MORTGAGE SERVICING RIGHTS

	Three Months Ended September 30,						Nine Months Ended September 30,
	2025			2024			2025			2024
Beginning balance	$	25,134		$	26,426		$	26,292		$	26,569
Additions		249			207			832			689
Valuation adjustment		(925	)		(2,060	)		(2,666	)		(2,685	)
Ending balance	$	24,458		$	24,573		$	24,458		$	24,573

	September 30,			December 31,
	2025			2024
Mortgage loans serviced for others	$	1,832,082		$	1,903,854
Mortgage servicing rights assets as a percentage of serviced mortgage loans		1.33	%		1.38	%

The following table reflects the key assumptions used in measuring the fair value of the Company’s mortgage servicing rights as of the dates indicated:

	September 30,			December 31,
	2025			2024
Weighted average constant prepayment rate		8.22	%		7.16	%
Weighted average discount rate		9.70	%		10.17	%
Weighted average life in years		7.66			8.09

- Definition

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480591/815-20-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-04(11))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(7)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)(2)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(4)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(5)
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-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/860/tableOfContent

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
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-Paragraph 3
-Subparagraph (cc)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4D

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-7

Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
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-Paragraph 2
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-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Paragraph 4
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

+ Details

SECURITIES

9 Months Ended

Sep. 30, 2025

SECURITIES [Abstract]

SECURITIES

2. SECURITIES

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Allowance for Credit Losses		Fair Value
September 30, 2025
Available for sale:
State and municipal	$	200,414	$	350	$	(25,617	)	$	—	$	175,147
Residential mortgage-backed securities		308,335		118		(44,427	)		—		264,026
Commercial mortgage-backed securities		47,584		—		(4,288	)		—		43,296
Commercial collateralized mortgage obligations		68,213		73		(197	)		—		68,089
Asset-backed and other amortizing securities		14,617		—		(912	)		—		13,705
Other securities		7,000		—		(125	)		—		6,875
	$	646,163	$	541	$	(75,566	)	$	—	$	571,138
December 31, 2024
Available for sale:
State and municipal	$	199,588	$	1	$	(26,292	)	$	—	$	173,297
Residential mortgage-backed securities		321,021		—		(56,925	)		—		264,096
Commercial mortgage-backed securities		46,601		—		(6,241	)		—		40,360
Commercial collateralized mortgage obligations		73,697		—		(214	)		—		73,483
Asset-backed and other amortizing securities		16,107		—		(1,526	)		—		14,581
Other securities		12,000		—		(577	)		—		11,423
	$	669,014	$	1	$	(91,775	)	$	—	$	577,240

	Available for Sale
	Amortized Cost		Fair Value
Within 1 year	$	205	$	205
After 1 year through 5 years		5,490		5,421
After 5 years through 10 years		19,867		18,951
After 10 years		181,852		157,445
Declining-balance securities		438,749		389,116
	$	646,163	$	571,138

At both September 30, 2025 and December 31, 2024, there were no holdings of securities of any one issuer, other than the U.S. government, its agencies, or its sponsored enterprises, in an amount greater than 10% of stockholders’ equity.

Securities with a carrying value of approximately $406.9 million and $309.0 million at September 30, 2025 and December 31, 2024, respectively, were pledged to collateralize public deposits and for other purposes as required or permitted by law.

	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
September 30, 2025
State and municipal	$	205	$	—	$	164,102	$	25,617	$	164,307	$	25,617
Residential mortgage-backed securities		—		—		255,160		44,427		255,160		44,427
Commercial mortgage-backed securities		1,976		7		41,321		4,281		43,297		4,288
Commercial collateralized mortgage obligations		63,443		197		—		—		63,443		197
Asset-backed and other amortizing securities		—		—		13,705		912		13,705		912
Other securities		—		—		6,875		125		6,875		125
	$	65,624	$	204	$	481,163	$	75,362	$	546,787	$	75,566

December 31, 2024
State and municipal	$	205	$	1	$	171,306	$	26,291	$	171,511	$	26,292
Residential mortgage-backed securities		8		—		264,088		56,925		264,096		56,925
Commercial mortgage-backed securities		—		—		40,360		6,241		40,360		6,241
Commercial collateralized mortgage obligations		73,483		214		—		—		73,483		214
Asset-backed and other amortizing securities		—		—		14,581		1,526		14,581		1,526
Other securities		—		—		11,423		577		11,423		577
	$	73,696	$	215	$	501,758	$	91,560	$	575,454	$	91,775

There were 129 securities with an unrealized loss at September 30, 2025, generally due to a continuation of the elevated market interest rate environment. Management evaluates securities available for sale (“AFS”) in unrealized loss positions to determine whether the impairment is due to credit-related factors or non-credit related factors. Consideration is given to the extent to which the fair value is less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to retain its investment in the security for a period of time sufficient to allow for the anticipated recovery in fair value. Management does not have the intent to sell any of the securities in an unrealized loss position and believes that it is not likely that the securities will have to be sold before a recovery of cost. The fair value of these securities is expected to recover as the securities approach their maturity date or repricing date or if market yields for such investments decline. Accordingly, as of September 30, 2025, management believes the unrealized loss positions detailed in the previous table are due to non-credit related factors, including changes in interest rates and other market conditions, and therefore no ACL for AFS securities or losses have been recognized or realized in the consolidated financial statements.

SUBSEQUENT EVENTS	9 Months Ended
SUBSEQUENT EVENTS	Sep. 30, 2025
SUBSEQUENT EVENTS [Abstract]
SUBSEQUENT EVENTS	14. SUBSEQUENT EVENTS Dividend Declaration On October 15, 2025, the Company declared a cash dividend of $0.16 per share of common stock to be paid on November 10, 2025 to all shareholders of record as of the close of business on October 27, 2025.

LOANS HELD FOR INVESTMENT - Age Analysis on Accruing Past-due Loans and Nonaccrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	$ 3,053,503	$ 3,055,054
Total Nonaccrual	8,496	22,102
Nonaccrual with no ACL	3,422	1,575
Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	1,035,926	1,119,063
Total Nonaccrual	3,179	19,543
Nonaccrual with no ACL	3,179	0
Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	97,952	103,855
Total Nonaccrual	141	1,575
Nonaccrual with no ACL	141	1,575
Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	377,783	388,955
Total Nonaccrual	167	105
Nonaccrual with no ACL	0	0
General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	629,256	557,371
Total Nonaccrual	4,109	180
Nonaccrual with no ACL	0	0
1-4 Family Residential [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total Nonaccrual	883	676
Nonaccrual with no ACL	102	0
Auto Loans [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total Nonaccrual	0	0
Nonaccrual with no ACL	0	0
Other Consumer [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total Nonaccrual	17	23
Nonaccrual with no ACL	0	0
30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	4,994	7,928
30-89 Days Past Due [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	226	594
30-89 Days Past Due [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	529	95
30-89 Days Past Due [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	0	1,770
30-89 Days Past Due [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	780	1,374
30-89 Days Past Due [Member] \| 1-4 Family Residential [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	2,429	1,966
30-89 Days Past Due [Member] \| Auto Loans [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	408	1,004
30-89 Days Past Due [Member] \| Other Consumer [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	622	1,125
90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	1,213	1,921
90 Days or More Past Due and Still Accruing [Member] \| Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	46	96
90 Days or More Past Due and Still Accruing [Member] \| Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	0	0
90 Days or More Past Due and Still Accruing [Member] \| Specialized [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	0	240
90 Days or More Past Due and Still Accruing [Member] \| General [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	28	244
90 Days or More Past Due and Still Accruing [Member] \| 1-4 Family Residential [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	882	1,042
90 Days or More Past Due and Still Accruing [Member] \| Auto Loans [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	163	114
90 Days or More Past Due and Still Accruing [Member] \| Other Consumer [Member] \| Commercial [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	$ 94	$ 185

GOODWILL AND INTANGIBLES (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
GOODWILL AND INTANGIBLES [Abstract]
Goodwill	$ 19,315	$ 19,315

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482548/350-20-55-24

Reference 2: http://www.xbrl.org/2003/role/exampleRef
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Reference 3: http://www.xbrl.org/2003/role/exampleRef
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Reference 4: http://www.xbrl.org/2003/role/exampleRef
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Reference 5: http://www.xbrl.org/2003/role/exampleRef
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Reference 6: http://www.xbrl.org/2003/role/exampleRef
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Reference 7: http://www.xbrl.org/2003/role/exampleRef
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-Name Accounting Standards Codification
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-Paragraph 100
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Reference 8: http://www.xbrl.org/2003/role/exampleRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 805
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479581/805-30-50-4

+ Details

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
Cash flows from operating activities:
Net income	$ 43,217	$ 33,220
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses	3,420	3,100
Depreciation and amortization	4,359	4,913
Accretion and amortization	2,195	2,095
Other gains, net	(266)	(2)
Net gain on sales of loans	(7,584)	(8,157)
Proceeds from sales of loans held for sale	220,546	235,525
Loans originated for sale	(206,298)	(224,947)
Deferred income tax benefit	(1,339)	(1,938)
Earnings on bank-owned life insurance	(1,220)	(1,145)
Stock-based compensation	1,973	1,701
Change in valuation of mortgage servicing rights	2,666	2,685
Net change in:
Accrued interest receivable and other assets	5,719	4,607
Accrued expenses and other liabilities	(2,331)	3,552
Net cash provided by operating activities	65,057	55,209
Activity in securities available for sale:
Purchases	(16,903)	(299,849)
Maturities, prepayments, and calls	37,698	328,763
Loan originations and principal collections, net	(3,089)	(27,239)
Purchases of premises and equipment	(4,615)	(2,325)
Proceeds from sales of premises and equipment	2,240	69
Proceeds from sales of foreclosed assets	1,163	1,348
Net cash provided by investing activities	16,494	767
Cash flows from financing activities:
Net change in deposits	260,267	93,207
Proceeds from common stock issuance	451	0
Payments on subordinated debt	(50,000)	0
Payments to tax authorities for stock-based compensation	(277)	(132)
Cash dividends paid on common stock	(7,502)	(6,702)
Payments to repurchase common stock	(8,526)	(1,340)
Net cash provided by financing activities	194,413	85,033
Net change in cash and cash equivalents	275,964	141,009
Beginning cash and cash equivalents	359,082	330,158
Ending cash and cash equivalents	635,046	471,167
Supplemental disclosures of cash flow information:
Interest paid on deposits and borrowed funds	65,965	71,479
Income taxes paid	11,443	8,321
Supplemental schedule of noncash activities:
Loans transferred to foreclosed assets	2,462	1,407
Additions to mortgage servicing rights	$ 832	$ 689

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Tables)

9 Months Ended

Sep. 30, 2025

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES [Abstract]

Financial Instruments Whose Contract Amounts Represent Credit Risk Outstanding

Financial instruments whose contract amounts represent credit risk outstanding at the dates indicated follow (dollars in thousands):

	September 30, 2025		December 31, 2024
Commitments to grant loans and unfunded commitments under lines of credit	$	548,240	$	537,688
Standby letters of credit		29,587		18,696

DERIVATIVES - Fair Value Hedges in Consolidated Statements of Comprehensive Income (Details) - Fair Value Hedging [Member] - Interest Rate Contracts [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Other Noninterest Expense [Member]
DERIVATIVES [Abstract]
Interest rate swaps - fair value hedges	$ (912)	$ (4,409)	$ (5,016)	$ (3,545)
Fair value hedged items	878	4,196	4,703	3,274
Interest Income [Member]
DERIVATIVES [Abstract]
Interest rate swaps - fair value hedges	(43)	(179)	(145)	26
Fair value hedged items	$ 23	$ 168	$ 150	$ 52

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES - Financial Instruments Whose Contract Amounts Represent Credit Risk Outstanding (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Commitments to Grant Loans and Unfunded Commitments Under Lines of Credit [Member]
OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES [Abstract]
Financial instruments whose contract amounts represent credit risk outstanding	$ 548,240	$ 537,688
Standby Letters of Credit [Member]
OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES [Abstract]
Financial instruments whose contract amounts represent credit risk outstanding	$ 29,587	$ 18,696

FAIR VALUE DISCLOSURES

9 Months Ended

Sep. 30, 2025

FAIR VALUE DISCLOSURES [Abstract]

FAIR VALUE DISCLOSURES

13. FAIR VALUE DISCLOSURES

Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability is not adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are: (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.

Valuation techniques that are consistent with the market approach, the income approach and/or the cost approach are required by GAAP. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the service capacity of an asset. Valuation techniques should be consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity’s own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. The fair value hierarchy for valuation inputs gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:

●

Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.

●

Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means.

●

Level 3 Inputs - Significant unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.

The following table summarizes fair value measurements as of the dates indicated below (dollars in thousands):

	Level 1		Level 2			Level 3		Total
September 30, 2025
Assets (liabilities) measured at fair value on a recurring basis:
Securities available for sale:
State and municipal	$	—	$	175,147		$	—	$	175,147
Residential mortgage-backed securities		—		264,026			—		264,026
Commercial mortgage-backed securities		—		43,296			—		43,296
Commercial collateralized mortgage obligations		—		68,089			—		68,089
Asset-backed and other amortizing securities		—		13,705			—		13,705
Other securities		—		6,875			—		6,875
Loans held for sale (mandatory)		—		9,912			—		9,912
Mortgage servicing rights		—		—			24,458		24,458
Asset derivatives		—		10,895			—		10,895
Liability derivatives		—		(75	)		—		(75	)

Assets measured at fair value on a non-recurring basis:
Loans held for investment		—		—			7,230		7,230

December 31, 2024
Assets (liabilities) measured at fair value on a recurring basis:
Securities available for sale:
State and municipal	$	—	$	173,297		$	—	$	173,297
Residential mortgage-backed securities		—		264,096			—		264,096
Commercial mortgage-backed securities		—		40,360			—		40,360
Commercial collateralized mortgage obligations		—		73,483			—		73,483
Asset-backed and other amortizing securities		—		14,581			—		14,581
Other securities		—		11,423			—		11,423
Loans held for sale (mandatory)		—		13,791			—		13,791
Mortgage servicing rights		—		—			26,292		26,292
Asset derivatives		—		15,998			—		15,998
Liability derivatives		—		(12	)		—		(12	)

Assets measured at fair value on a non-recurring basis:
Loans held for investment		—		—			20,566		20,566

Securities – Fair value is calculated based on market prices of similar securities using matrix pricing. Matrix pricing is a mathematical technique commonly used to price debt securities that are not actively traded.

Mortgage servicing rights – Mortgage servicing rights are reported at fair value using Level 3 inputs. The mortgage servicing rights asset is valued by projecting net servicing cash flows, which are then discounted to estimate the fair value. The fair value of the mortgage servicing rights asset is impacted by a variety of factors, including prepayment speeds, default rates, and discount rates, which are significant unobservable inputs. Mortgage servicing rights are the only Level 3 asset measured at fair value on a recurring basis, see Note 5 for the Level 3 change activity for each of the three and nine months ended September 30, 2025 and 2024.

Derivatives – Fair value of derivatives is based on valuation models using observable market data as of the measurement date.

Loans held for investment – Includes certain collateral-dependent loans which are reported at fair value, for which a specific allocation of the allowance for credit losses is based off of the underlying collateral, less estimated disposal costs, if repayment is expected solely from the sale of the collateral. Collateral values are estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria.

Fair Values of Assets Recorded on a Recurring Basis for which the Fair Value Option has been Elected

Loans held for sale (mandatory) – Loans held for sale originated for mandatory delivery are reported at fair value on a recurring basis due to the Company’s election to adopt fair value accounting treatment for these assets. This election allows for a more effective offset of the changes in fair values of the assets and the derivative instruments used to economically hedge them without the burden of complying with the requirements for hedge accounting under ASC Topic 815, Derivatives and Hedging. For assets for which the fair value option has been elected, the earned current contractual interest payment is recognized in interest income, loan origination costs and fees on fair value option loans are recognized in earnings as incurred and not deferred. At September 30, 2025, and December 31, 2024, there were no gains or losses recorded attributable to changes in instrument-specific credit risk. Fair value is determined using quoted prices for similar assets, adjusted for specific attributes of that loan. At September 30, 2025 and December 31, 2024, the aggregate fair value of loans held for sale for mandatory delivery was $9.9 million and $13.8 million, respectively. The aggregate unpaid principal balance as of the same dates was $9.7 million and $13.5 million, respectively, representing differences between fair value and unpaid principal balance of $259 thousand and $271 thousand, respectively. The Company had no loans held for sale for mandatory delivery designated as nonaccrual or 90 days or more past due at each of September 30, 2025 and December 31, 2024.

The total fair value option impact on noninterest income for loans held for sale for mandatory delivery is included in Net gain on sales of loans in the Consolidated Statements of Comprehensive Income. For each of the three months ended September 30, 2025 and 2024, the net (gain) loss amount totaled $181 thousand and $94 thousand, respectively. For each of the nine months ended September 30, 2025 and 2024, the net (gain) loss amount totaled $18 thousand and $(246) thousand, respectively.

The following table presents quantitative information about recurring and non-recurring Level 3 fair value measurements at the dates indicated (dollars in thousands):

	Fair Value		Valuation Techniques	Unobservable Inputs	Range of Discounts
September 30, 2025
Non-recurring:
Loans held for investment	$	7,230	Third party appraisals or inspections	Collateral discounts and selling costs	20% to 50%
Recurring:
Mortgage servicing rights		24,458	Discounted cash flows	Constant prepayment rate		8.22	%
				Discount rate		9.70	%

December 31, 2024
Non-recurring:
Loans held for investment	$	20,566	Third party appraisals or inspections	Collateral discounts and selling costs		20	%
Recurring:
Mortgage servicing rights		26,292	Discounted cash flows	Constant prepayment rate		7.16	%
				Discount rate		10.17	%

	Carrying Amount		Level 1		Level 2		Level 3		Total Fair Value

September 30, 2025
Financial assets:
Cash and cash equivalents	$	635,046	$	635,046	$	—	$	—	$	635,046
Loans held for investment, net		3,009,378		—		—		2,982,640		2,982,640
Loans held for sale (best efforts)		3,134		—		3,193		—		3,193
Accrued interest receivable		18,012		—		18,012		—		18,012
Financial liabilities:
Deposits		3,881,143		—		3,880,874		—		3,880,874
Accrued interest payable		4,671		—		4,671		—		4,671
Short-term borrowings		—		—		—		—		—
Junior subordinated deferrable interest debentures		46,393		—		34,827		—		34,827
Subordinated debt		14,100		—		14,012		—		14,012

December 31, 2024
Financial assets:
Cash and cash equivalents	$	359,082	$	359,082	$	—	$	—	$	359,082
Loans held for investment, net		3,011,817		—		—		2,937,678		2,937,678
Loans held for sale (best efforts)		6,751		—		6,875		—		6,875
Accrued interest receivable		21,687		—		21,687		—		21,687
Financial liabilities:
Deposits		3,620,876		—		3,621,106		—		3,621,106
Accrued interest payable		6,108		—		6,108		—		6,108
Junior subordinated deferrable interest debentures		46,393		—		34,285		—		34,285
Subordinated debt		63,961		—		60,969		—		60,969

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Millions	Sep. 30, 2025	Dec. 31, 2024
OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES [Abstract]
Letters of credit outstanding balance	$ 0.0	$ 75.0

SECURITIES - Amortized Cost and Fair Value of Securities with Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Available for sale:
Amortized Cost	$ 646,163	$ 669,014
Gross unrealized gains	541	1
Gross unrealized losses	(75,566)	(91,775)
Allowance for credit losses	0	0
Fair value	571,138	577,240
State and Municipal [Member]
Available for sale:
Amortized Cost	200,414	199,588
Gross unrealized gains	350	1
Gross unrealized losses	(25,617)	(26,292)
Allowance for credit losses	0	0
Fair value	175,147	173,297
Residential Mortgage-backed Securities [Member]
Available for sale:
Amortized Cost	308,335	321,021
Gross unrealized gains	118	0
Gross unrealized losses	(44,427)	(56,925)
Allowance for credit losses	0	0
Fair value	264,026	264,096
Commercial Mortgage-backed Securities [Member]
Available for sale:
Amortized Cost	47,584	46,601
Gross unrealized gains	0	0
Gross unrealized losses	(4,288)	(6,241)
Allowance for credit losses	0	0
Fair value	43,296	40,360
Commercial Collateralized Mortgage Obligations [Member]
Available for sale:
Amortized Cost	68,213	73,697
Gross unrealized gains	73	0
Gross unrealized losses	(197)	(214)
Allowance for credit losses	0	0
Fair value	68,089	73,483
Asset-backed and Other Amortizing Securities [Member]
Available for sale:
Amortized Cost	14,617	16,107
Gross unrealized gains	0	0
Gross unrealized losses	(912)	(1,526)
Allowance for credit losses	0	0
Fair value	13,705	14,581
Other Securities [Member]
Available for sale:
Amortized Cost	7,000	12,000
Gross unrealized gains	0	0
Gross unrealized losses	(125)	(577)
Allowance for credit losses	0	0
Fair value	$ 6,875	$ 11,423

DERIVATIVES - Fair Value Hedges in Consolidated Balance Sheets (Details) - Fair Value Hedging [Member] - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Other Liabilities [Member]
DERIVATIVES [Abstract]
Derivative liability, notional amount	$ 0	$ 0
Derivative liability, fair value	0	0
Other Liabilities [Member] \| Interest Rate Swaps [Member]
DERIVATIVES [Abstract]
Derivative liability, notional amount	0	0
Derivative liability, fair value	0	0
Other Assets [Member] \| Interest Rate Swaps [Member]
DERIVATIVES [Abstract]
Derivative asset, notional amount	8,043	11,803
Derivative asset, fair value	60	205
Other Assets [Member] \| Cash Flow Swaps [Member]
DERIVATIVES [Abstract]
Derivative asset, notional amount	117,860	123,760
Derivative asset, fair value	$ 10,479	$ 15,495

FAIR VALUE DISCLOSURES (Details) - Recurring [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024	Dec. 31, 2024
FAIR VALUE DISCLOSURES [Abstract]
Gains or losses recorded attributable to changes in instrument-specific credit risk			$ 0		$ 0
Aggregate fair value of loans held for sale for mandatory delivery	$ 9,900		9,900		13,800
Aggregate fair value of unpaid principal balance	9,700		9,700		13,500
Fair value and unpaid principal balance difference amount	259		259		271
Loans held for sale for mandatory delivery designated as nonaccrual	0		0		0
Loans held for sale for mandatory delivery 90 days or more past due	0		0		$ 0
Impact of fair value options on noninterest income for loans held for sale for mandatory delivery	$ (181)	$ (94)	$ 18	$ (246)

- Definition

Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.

+ References

+ Details

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Subsidiaries Information (Details)	9 Months Ended
	Sep. 30, 2025
City Bank [Member] \| Bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	Bank subsidiary
Ruidoso Retail, Inc. [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	Non-bank subsidiary
CB Provence, LLC [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	Non-bank subsidiary
CBT Brushy Creek, LLC [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	Non-bank subsidiary
CBT Properties, LLC [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	Non-bank subsidiary
South Plains Financial Capital Trusts ("SPFCT") III-V [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Equity Method Subsidiaries	Non-bank subsidiaries

FAIR VALUE DISCLOSURES - Estimated Fair Values, and Related Carrying Amounts (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Carrying Amount [Member]
Financial assets:
Cash and cash equivalents	$ 635,046	$ 359,082
Loans held for investment, net	3,009,378	3,011,817
Loans held for sale (best efforts)	3,134	6,751
Accrued interest receivable	18,012	21,687
Financial liabilities:
Deposits	3,881,143	3,620,876
Accrued interest payable	4,671	6,108
Short-term borrowings	0
Junior subordinated deferrable interest debentures	46,393	46,393
Subordinated debt	14,100	63,961
Fair Value [Member]
Financial assets:
Cash and cash equivalents	635,046	359,082
Loans held for investment, net	2,982,640	2,937,678
Loans held for sale (best efforts)	3,193	6,875
Accrued interest receivable	18,012	21,687
Financial liabilities:
Deposits	3,880,874	3,621,106
Accrued interest payable	4,671	6,108
Short-term borrowings	0
Junior subordinated deferrable interest debentures	34,827	34,285
Subordinated debt	14,012	60,969
Level 1 [Member] \| Fair Value [Member]
Financial assets:
Cash and cash equivalents	635,046	359,082
Loans held for investment, net	0	0
Loans held for sale (best efforts)	0	0
Accrued interest receivable	0	0
Financial liabilities:
Deposits	0	0
Accrued interest payable	0	0
Short-term borrowings	0
Junior subordinated deferrable interest debentures	0	0
Subordinated debt	0	0
Level 2 [Member] \| Fair Value [Member]
Financial assets:
Cash and cash equivalents	0	0
Loans held for investment, net	0	0
Loans held for sale (best efforts)	3,193	6,875
Accrued interest receivable	18,012	21,687
Financial liabilities:
Deposits	3,880,874	3,621,106
Accrued interest payable	4,671	6,108
Short-term borrowings	0
Junior subordinated deferrable interest debentures	34,827	34,285
Subordinated debt	14,012	60,969
Level 3 [Member] \| Fair Value [Member]
Financial assets:
Cash and cash equivalents	0	0
Loans held for investment, net	2,982,640	2,937,678
Loans held for sale (best efforts)	0	0
Accrued interest receivable	0	0
Financial liabilities:
Deposits	0	0
Accrued interest payable	0	0
Short-term borrowings	0
Junior subordinated deferrable interest debentures	0	0
Subordinated debt	$ 0	$ 0

STOCK-BASED COMPENSATION - Stock Options Activity (Details) - 2019 Equity Incentive Plan [Member] - Stock Option [Member] $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2025 USD ($) $ / shares shares
STOCK-BASED COMPENSATION [Abstract]
Outstanding at beginning of year (in Shares) \| shares	1,175,787
Outstanding at beginning of year (in Dollars per share) \| $ / shares	$ 17.83
Outstanding at beginning of year \| $	$ 24,477
Granted (in Shares) \| shares	30,024
Granted (in Dollars per share) \| $ / shares	$ 34.01
Granted \| $	$ 139
Exercised (in Shares) \| shares	(51,138)
Exercised (in Dollars per share) \| $ / shares	$ 18.55
Exercised \| $	$ (1,028)
Forfeited (in Shares) \| shares	0
Forfeited (in Dollars per share) \| $ / shares	$ 0
Forfeited \| $	$ 0
Expired (in Shares) \| shares	0
Expired (in Dollars per share) \| $ / shares	$ 0
Expired \| $	$ 0
Balance at end of period (in Shares) \| shares	1,154,673
Balance at end of period (in Dollars per share) \| $ / shares	$ 18.22
Options Outstanding	4 years 7 days
Balance at end of period \| $	$ 23,588
Exercisable at end of period (in Shares) \| shares	1,082,045
Exercisable at end of period (in Dollars per share) \| $ / shares	$ 17.38
Exercisable at end of period	3 years 8 months 23 days
Exercisable at end of period \| $	$ 23,018
Vested at end of period (in Shares) \| shares	1,082,045
Vested at end of period (in Dollars per share) \| $ / shares	$ 17.38
Vested at end of period	3 years 8 months 23 days
Vested at end of period \| $	$ 23,018

EARNINGS PER SHARE (Tables)

9 Months Ended

Sep. 30, 2025

EARNINGS PER SHARE [Abstract]

Factors Used in Earnings Per Share Computation

The factors used in the earnings per share computation for the periods indicated follow (dollars in thousands, except per share data):

	Three Months Ended September 30,				Nine Months Ended September 30,
	2025		2024		2025		2024
Net income	$	16,318	$	11,212	$	43,217	$	33,220

Weighted average common shares outstanding - basic		16,241,695		16,386,079		16,295,757		16,413,685
Effect of dilutive securities:
Stock-based compensation awards		748,851		670,880		684,833		565,753
Weighted average common shares outstanding - diluted		16,990,546		17,056,959		16,980,590		16,979,438

Basic earnings per share	$	1.00	$	0.68	$	2.65	$	2.02
Diluted earnings per share	$	0.96	$	0.66	$	2.55	$	1.96

LOANS HELD FOR INVESTMENT - Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year and Gross Charge-offs (Details) - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

12 Months Ended

Sep. 30, 2025

Sep. 30, 2024

Sep. 30, 2025

Sep. 30, 2024

Dec. 31, 2024

Commercial Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

$ 137,465

$ 164,205

2024/2023

151,816

233,047

2023/2022

216,632

300,975

2022/2021

253,883

183,955

2021/2020

109,435

47,194

Prior

158,752

182,787

Revolving loans

7,943

6,900

Loans

1,035,926

1,119,063

541

Current period gross charge-offs

541

$ 0

541

$ 86

Construction [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

53,617

65,920

2024/2023

36,677

31,762

2023/2022

6,492

2,652

2022/2021

570

2,630

596

891

97,952

103,855

315

Current period gross charge-offs

315

Specialized [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

95,458

104,012

2024/2023

47,843

60,881

2023/2022

43,038

39,625

2022/2021

27,393

41,805

2021/2020

36,518

15,975

Prior

31,721

28,565

Revolving loans

95,812

98,092

Loans

377,783

388,955

Current period gross charge-offs

General [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

131,853

108,045

2024/2023

105,069

72,963

2023/2022

65,356

113,173

2022/2021

96,137

70,545

2021/2020

52,377

29,827

Prior

89,125

84,213

Revolving loans

89,339

78,605

Loans

629,256

557,371

2025/2024

2024/2023

199

2023/2022

164

466

2022/2021

2021/2020

Prior

180

134

Revolving loans

266

Current period gross charge-offs

172

530

798

1,082

1-4 Family Residential [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

86,941

87,266

2024/2023

73,982

101,832

2023/2022

94,209

150,642

2022/2021

142,900

92,986

2021/2020

85,197

49,282

Prior

104,583

78,542

Revolving loans

4,766

5,850

Loans

592,578

566,400

121

215

Current period gross charge-offs

307

175

Auto Loans [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

88,719

70,642

2024/2023

54,016

72,037

2023/2022

48,560

76,494

2022/2021

47,755

26,048

2021/2020

14,016

7,297

Prior

3,215

1,956

Revolving loans

Loans

256,281

254,474

2025/2024

2024/2023

162

386

2023/2022

288

519

2022/2021

283

198

2021/2020

135

Prior

Revolving loans

Current period gross charge-offs

202

296

897

786

1,186

Other Consumer [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

23,450

23,665

2024/2023

14,797

12,969

2023/2022

8,022

14,798

2022/2021

8,684

5,524

2021/2020

2,658

1,232

Prior

4,629

5,424

Revolving loans

1,487

1,324

Loans

63,727

64,936

2025/2024

345

^[1]

469

^[2]

2024/2023

177

^[1]

308

^[2]

2023/2022

^[1]

245

^[2]

2022/2021

^[1]

^[2]

2021/2020

^[1]

^[2]

Prior

141

^[1]

145

^[2]

Revolving loans

^[1]

^[2]

Current period gross charge-offs

261

$ 364

832

^[1]

$ 895

1,257

^[2]

Pass [Member] | Commercial Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

137,102

164,205

2024/2023

148,914

233,047

2023/2022

204,634

300,828

2022/2021

249,340

126,548

2021/2020

103,723

43,628

Prior

151,600

175,319

Revolving loans

7,943

6,417

Loans

1,003,256

1,049,992

Pass [Member] | Construction [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

53,617

65,920

2024/2023

36,677

30,572

2023/2022

5,822

2,172

2022/2021

570

2,630

596

891

97,282

102,185

Pass [Member] | Specialized [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

89,081

103,288

2024/2023

38,820

60,881

2023/2022

41,657

37,940

2022/2021

25,520

41,721

2021/2020

33,548

15,678

Prior

30,738

28,488

Revolving loans

92,206

98,092

Loans

351,570

386,088

Pass [Member] | General [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

131,853

107,947

2024/2023

102,390

72,500

2023/2022

52,346

109,808

2022/2021

94,831

65,564

2021/2020

46,455

29,808

Prior

87,500

82,909

Revolving loans

87,849

78,321

Loans

603,224

546,857

Pass [Member] | 1-4 Family Residential [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

86,941

87,266

2024/2023

71,022

101,022

2023/2022

92,336

150,358

2022/2021

141,828

91,929

2021/2020

79,469

49,057

Prior

100,836

73,730

Revolving loans

4,766

5,800

Loans

577,198

559,162

Pass [Member] | Auto Loans [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

88,719

70,621

2024/2023

53,983

72,009

2023/2022

48,530

76,412

2022/2021

47,558

25,869

2021/2020

13,942

7,293

Prior

3,196

1,931

Revolving loans

Loans

255,928

254,135

Pass [Member] | Other Consumer [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

23,433

23,665

2024/2023

14,783

12,969

2023/2022

8,022

14,790

2022/2021

8,669

5,477

2021/2020

2,645

1,232

Prior

4,593

5,382

Revolving loans

1,487

1,324

Loans

63,632

64,839

Special Mention [Member] | Commercial Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2,840

6,730

32,243

173

441

Prior

1,104

5,464

Revolving loans

483

Loans

10,847

38,631

Special Mention [Member] | Construction [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Special Mention [Member] | Specialized [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

6,377

214

2024/2023

8,968

2023/2022

845

1,600

1,042

1,747

915

3,606

23,500

1,814

Special Mention [Member] | General [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

2024/2023

2,170

2023/2022

10,675

960

2022/2021

554

2021/2020

1,022

Prior

480

499

Revolving loans

1,365

200

Loans

15,712

2,213

Special Mention [Member] | 1-4 Family Residential [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

488

5,087

5,575

Special Mention [Member] | Auto Loans [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Special Mention [Member] | Other Consumer [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Substandard [Member] | Commercial Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

363

2024/2023

2023/2022

5,268

147

2022/2021

4,543

25,164

2021/2020

5,539

3,125

Prior

6,048

2,004

Revolving loans

Loans

21,823

30,440

Substandard [Member] | Construction [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

2024/2023

1,190

2023/2022

670

480

670

1,670

Substandard [Member] | Specialized [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

510

536

831

1,223

297

Prior

Revolving loans

Loans

2,713

1,053

Substandard [Member] | General [Member] | Commercial [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

2024/2023

509

463

2023/2022

2,335

2,405

2022/2021

1,306

4,427

2021/2020

4,900

Prior

1,145

805

Revolving loans

125

Loans

10,320

8,301

Substandard [Member] | 1-4 Family Residential [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

2024/2023

2,960

810

2023/2022

1,385

284

2022/2021

1,072

1,057

2021/2020

641

225

Prior

3,747

4,812

Revolving loans

Loans

9,805

7,238

Substandard [Member] | Auto Loans [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

197

179

353

339

Substandard [Member] | Other Consumer [Member] | Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

$ 95

$ 97

[1]	Includes $345 thousand in charged-off demand deposit overdrafts reported as 2025 originations.
[2]	Includes $457 thousand in charged-off demand deposit overdrafts reported as 2024 originations.