0001140361-26-008087 | 10-K | XBRL Viewer | South Plains Financial INC

MORTGAGE SERVICING RIGHTS

12 Months Ended

Dec. 31, 2025

MORTGAGE SERVICING RIGHTS [Abstract]

9. MORTGAGE SERVICING RIGHTS

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):

	Year Ended December 31,
	2025			2024			2023
Beginning balance	$	26,292		$	26,569		$	27,474
Additions		1,080			958			1,470
Valuation adjustment		(3,331	)		(1,235	)		(2,375	)
Ending balance	$	24,041		$	26,292		$	26,569

	December 31,
	2025			2024
Mortgage loans serviced for others	$	1,810,579		$	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:

	December 31,
	2025			2024
Weighted average constant prepayment rate		8.81	%		7.16	%
Weighted average discount rate		9.70	%		10.17	%
Weighted average life in years		7.43			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.

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+ Details

MERGERS AND ACQUISITIONS (Details) - BOH Holdings, Inc. [Member] - USD ($) $ / shares in Units, $ in Millions	Dec. 01, 2025	Nov. 28, 2025	Dec. 31, 2025
MERGERS AND ACQUISITIONS [Abstract]
Assets			$ 745.1
Total gross loans			624.5
Deposits			$ 603.0
Number of Company Shares to be Received for Each Share of BOH Holdings Share Held (in Shares)	0.1925
Share price (in Dollars per share)		$ 37.79
Excepted price of acquisition		$ 105.9

- Definition

Amount of asset recognized for present right to economic benefit.

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+ Details

- Definition

Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

+ References

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+ Details

SECURITIES - Amortized Cost and Fair Value of Securities with Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Available for sale:
Amortized cost	$ 637,577	$ 669,014
Gross unrealized gains	595	1
Gross unrealized losses	(70,632)	(91,775)
Allowance for credit losses	0	0
Fair value	567,540	577,240
State and Municipal [Member]
Available for sale:
Amortized cost	199,417	199,588
Gross unrealized gains	388	1
Gross unrealized losses	(23,500)	(26,292)
Allowance for credit losses	0	0
Fair value	176,305	173,297
Residential Mortgage-backed Securities [Member]
Available for sale:
Amortized cost	302,711	321,021
Gross unrealized gains	130	0
Gross unrealized losses	(42,081)	(56,925)
Allowance for credit losses	0	0
Fair value	260,760	264,096
Commercial Mortgage-backed Securities [Member]
Available for sale:
Amortized cost	48,769	46,601
Gross unrealized gains	0	0
Gross unrealized losses	(3,983)	(6,241)
Allowance for credit losses	0	0
Fair value	44,786	40,360
Commercial Collateralized Mortgage Obligations [Member]
Available for sale:
Amortized cost	67,708	73,697
Gross unrealized gains	77	0
Gross unrealized losses	(188)	(214)
Allowance for credit losses	0	0
Fair value	67,597	73,483
Asset-backed and Other Amortizing Securities [Member]
Available for sale:
Amortized cost	13,972	16,107
Gross unrealized gains	0	0
Gross unrealized losses	(840)	(1,526)
Allowance for credit losses	0	0
Fair value	13,132	14,581
Other Securities [Member]
Available for sale:
Amortized cost	5,000	12,000
Gross unrealized gains	0	0
Gross unrealized losses	(40)	(577)
Allowance for credit losses	0	0
Fair value	$ 4,960	$ 11,423

DERIVATIVES - Net Gains (Losses) Relating to Derivative Instruments (Details) - Interest Rate Swaps [Member] - Fair Value Hedging [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Other Noninterest Expense [Member]
DERIVATIVES [Abstract]
Interest rate swaps - fair value hedges	$ (5,765)	$ (1,133)	$ (3,497)
Fair value hedged items	5,406	1,619	3,685
Interest Income [Member]
DERIVATIVES [Abstract]
Interest rate swaps - fair value hedges	(181)	57	(334)
Fair value hedged items	$ 181	$ 24	$ 335

- 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

BORROWING ARRANGEMENTS (Details) - USD ($) $ in Thousands		12 Months Ended
BORROWING ARRANGEMENTS (Details) - USD ($) $ in Thousands	Nov. 08, 2023	Dec. 31, 2025	Sep. 30, 2025	Dec. 31, 2024	Sep. 29, 2020	Dec. 31, 2018
BORROWING ARRANGEMENTS [Abstract]
Carrying amount of FHLB stock		$ 2,200		$ 3,100
FHLB stock, available borrowing capacity		1,300,000		1,100,000
Outstanding borrowings		0		0
Subordinated debt		14,100		63,961
Trust Preferred Securities [Member]
BORROWING ARRANGEMENTS [Abstract]
Common capital securities issued by the trusts		$ 1,400
Debentures and Trust Preferred Securities [Member] \| Maximum [Member]
BORROWING ARRANGEMENTS [Abstract]
Number of consecutive years during which interest can be deferred		5 years
Period after issue date when debt securities may be redeemed		5 years
Federal Home Loan Bank Advances [Member] \| Federal Home Loan Bank of Dallas [Member] \| Bank Subsidiary [Member]
BORROWING ARRANGEMENTS [Abstract]
Original amount of advances		$ 0		0
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						$ 26,500
Subordinated Debt [Member] \| Subordinated Debt Securities Issued in September 29, 2020 [Member]
BORROWING ARRANGEMENTS [Abstract]
Debt instrument, face amount					$ 50,000
Debt instrument, maturity date		Sep. 30, 2030
Debt instrument, period of fixed interest rate		5 years
Debt issuance cost					$ 926
Debt instrument, initial interest rate					4.50%
Debt Instrument, Repurchase Date		Sep. 30, 2025
Debt Instrument, Repurchased Face Amount			$ 50,000
Subordinated Debt [Member] \| Debt Securities One [Member] \| Subordinated Debt Securities Issued in December 2018 [Member]
BORROWING ARRANGEMENTS [Abstract]
Debt instrument, face amount	$ 12,400					$ 12,400
Debt instrument, maturity date	Dec. 15, 2023	Dec. 31, 2028
Debt instrument, weighted average interest rate						5.74%
Debt instrument, period of fixed interest rate		5 years
Debt instrument, variable interest rate, floor		4.00%
Debt instrument, variable interest rate, ceiling		7.50%
Subordinated Debt [Member] \| Debt Securities One [Member] \| Subordinated Debt Securities Issued in December 2018 [Member] \| Maximum [Member]
BORROWING ARRANGEMENTS [Abstract]
Remaining maturity period during which debt can be called		5 years
Subordinated Debt [Member] \| Debt Securities Two [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] \| Debt Securities Two [Member] \| Subordinated Debt Securities Issued in December 2018 [Member] \| Maximum [Member]
BORROWING ARRANGEMENTS [Abstract]
Remaining maturity period during which debt can be called		5 years
Bank Subsidiary [Member] \| Federal Reserve Bank of Dallas (FRB) [Member]
BORROWING ARRANGEMENTS [Abstract]
Line of credit, current borrowing capacity		$ 659,700		654,000
Bank Subsidiary [Member] \| Multiple Banks [Member]
BORROWING ARRANGEMENTS [Abstract]
Line of credit, current borrowing capacity		140,000		140,000
Federal Funds Purchased [Member]
BORROWING ARRANGEMENTS [Abstract]
Short-term borrowings		$ 0		0
Short-term borrowings, maturity period		1 day
Federal Home Loan Bank Advances [Member]
BORROWING ARRANGEMENTS [Abstract]
Short-term borrowings		$ 0		$ 0

LEASES (Tables)

12 Months Ended

Dec. 31, 2025

LEASES [Abstract]

Balance Sheet Components of Leases

The balance sheet components of the Company’s leases at year-end are as follows (in thousands):


	December 31, 2025		December 31, 2024
Operating lease right of use assets (included in Other assets)	$	6,961	$	7,968
Operating lease liabilities (included in Accrued expenses and other liabilities)		7,933		8,906

Supplemental Cash Flow Information Related to Leases

Supplemental cash flow information related to leases is as follows (in thousands):

	Year Ended December 31,
	2025		2024
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows used in operating leases	$	1,685	$	1,906
Right-of-use assets obtained in exchange for new lease obligations:
Operating leases	$	237	$	636

Maturities of Operating Lease Liabilities

Future undiscounted lease payments at December 31, 2025, under operating lease agreements, are presented below (in thousands).

2026	$	1,621
2027		1,498
2028		1,320
2029		1,151
2030		844
Thereafter		3,669
Total minimum lease payments		10,103
Less: Amount representing interest		(2,170	)
Lease liabilities	$	7,933

INCOME TAXES

12 Months Ended

Dec. 31, 2025

INCOME TAXES [Abstract]

INCOME TAXES

14. INCOME TAXES

The components of income tax expense (benefit) were as follows for the periods indicated (dollars in thousands):

	Year Ended December 31,
	2025			2024			2023
Current expense
Federal	$	16,105		$	14,184		$	16,192
State		520			440			381
Deferred expense
Federal		(1,023	)		(1,049	)		99
Total	$	15,602		$	13,575		$	16,672

Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following for the periods indicated (dollars in thousands):

	Year Ended December 31,
	2025						2024						2023
	Amount			Rate			Amount			Rate			Amount			Rate
Federal statutory rate times financial statement income	$	15,555			21.0	%	$	13,291			21.0	%	$	16,678			21.0	%
Effect of:
Tax-exempt income		(718	)		(1.0	)%		(701	)		(1.1	)%		(836	)		(1.1	)%
State taxes, net of federal benefit		411			0.6	%		348			0.6	%		301			0.4	%
Earnings from bank owned life insurance		(343	)		(0.5	)%		(326	)		(0.5	)%		(279	)		(0.4	)%
Non-deductible expenses		499			0.7	%		648			1.0	%		675			0.8	%
Other, net		198			0.3	%		315			0.5	%		133			0.2	%
Total	$	15,602			21.1	%	$	13,575			21.5	%	$	16,672			20.9	%

Income taxes paid, net of refunds received, were as follows for the periods indicated (dollars in thousands):

	Year Ended December 31,
	2025		2024		2023
Federal	$	16,721	$	12,104	$	19,102
State		472		431		286

Year-end deferred tax assets and liabilities were due to the following at year-end (dollars in thousands):

	December 31,
	2025			2024
Deferred tax assets
Allowance for credit losses	$	9,478		$	9,080
Deferred compensation		6,038			5,884
Leases		204			197
Other real estate owned		44			23
Nonaccrual loans		111			320
Unrealized gain on available-for-sale securities		14,708			19,273
Other		568			446
Total deferred tax assets		31,151			35,223

Deferred tax liabilities
Depreciation		(2,629	)		(2,457	)
Intangibles		(260	)		(401	)
Prepaid expenses		(625	)		(704	)
Mortgage servicing rights		(5,049	)		(5,521	)
Other		(2,155	)		(3,300	)
Total deferred tax liabilities		(10,718	)		(12,383	)
Net deferred tax asset	$	20,433		$	22,840

There was no valuation allowance for deferred tax assets recorded at December 31, 2025 and 2024 as management believed it was more likely than not that all of the deferred tax assets will be realized against deferred tax liabilities and projected future taxable income. There were no unrecognized tax benefits during any of the reported periods.

We file income tax returns in the U.S. federal jurisdiction. We are no longer subject to U.S. federal income tax examinations by tax authorities for years before 2022.

- Definition

The entire disclosure for income tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 740
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477617/942-740-50-1

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 944
-SubTopic 740
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478822/944-740-50-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 231
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482663/740-10-55-231

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12C
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12C

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12B

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 270
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477891/740-270-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SAB Topic 6.I.5.Q1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-13

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(h)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/740/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-14

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-21

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 17
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-17

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SAB Topic 11.C)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479360/740-10-S99-2

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482603/740-30-50-2

+ Details

FORECLOSED ASSETS - Net Expenses Related to Foreclosed Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
FORECLOSED ASSETS [Abstract]
Net loss on sales	$ 2	$ 25	$ 0
Current year valuation write-down	100	108	142
Operating expenses, net of rental income	61	136	42
Foreclosed assets expense, net	$ 163	$ 269	$ 184

EMPLOYEE BENEFITS	12 Months Ended
EMPLOYEE BENEFITS	Dec. 31, 2025
EMPLOYEE BENEFITS [Abstract]
EMPLOYEE BENEFITS	12. EMPLOYEE BENEFITS The Company sponsors the City Bank 401(k) Plan (the “401(k) Plan”). Under the provisions of the 401(k) Plan, participants may elect to contribute pre-tax salary deferrals and direct investment of those salary deferrals among investments offered in the 401(k) Plan. The Company may elect to contribute a safe harbor match equal to 100% of the first 5% of the participants’ compensation contributed. The expense for Company contributions to the 401(k) Plan was $1.9 million in 2025, $1.8 million in 2024, and $1.8 million in 2023. Employee Health Benefits – The Company has a self-insured welfare benefit plan which provides health and dental benefits. For officers of the Company, there is no waiting period to be eligible, while there is a 60-day waiting period for all other employees. In addition, to be eligible, an employee must be scheduled to work on a full-time basis (at least 30 hours per week). The Company periodically evaluates the costs of the plan and determines the amount to be contributed by the Company and the amount, if any, to be contributed by the employee. Welfare benefit expense was approximately $4.8 million, $4.5 million, and $4.4 million for the years ended December 31, 2025, 2024, and 2023, respectively. In addition, benefit obligations have been accrued and include reported claims payable and claims incurred but not reported, for approximately $957 thousand and $746 thousand as of December 31, 2025 and 2024, respectively. The Company has limited its risk exposure for these benefits through a stop-loss policy with an independent third party insurer which reimburses benefits paid that exceed $200 thousand per participant per year. Non-Qualified Plans – Certain Company executives, as determined by the Company’s Board from time-to-time, have post-retirement salary continuation agreements under an Executive Salary Continuation Plan. Retirement ages and retirement salary amounts are specified in each agreement. The Company accrues actuarial estimates of the costs of these benefits over the respective service periods; approximately $13.9 million and $13.7 million was accrued at December 31, 2025 and 2024, respectively. This plan is nonqualified, noncontributory, and unfunded. The charge to income for this plan during 2025, 2024, and 2023 was approximately $1.0 million, $1.1 million and, $1.1 million, respectively.

STOCK-BASED COMPENSATION (Details) - USD ($) $ in Thousands	12 Months Ended
STOCK-BASED COMPENSATION (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
STOCK-BASED COMPENSATION [Abstract]
Stock-based compensation expense	$ 2,624	$ 2,318	$ 2,157
Restricted Stock Units [Member]
STOCK-BASED COMPENSATION [Abstract]
Fair value of restricted stock units vested	546	643	931
Stock-based compensation expense	2,600	2,300	2,200
Unrecognized compensation cost	$ 3,600
Weighted average remaining period, recognition of compensation cost	1 year 7 months 17 days
Restricted Stock Units [Member] \| Maximum [Member]
STOCK-BASED COMPENSATION [Abstract]
Award vesting period	4 years
Restricted Stock Units [Member] \| Minimum [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
2019 Equity Incentive Plan [Member] \| Maximum [Member]
STOCK-BASED COMPENSATION [Abstract]
Annual increase in number of shares that may be issued	3.00%
2019 Equity Incentive Plan [Member] \| Stock Options [Member]
STOCK-BASED COMPENSATION [Abstract]
Intrinsic value of options exercised	$ 3,300	3,300	$ 1,800
ESPP [Member]
STOCK-BASED COMPENSATION [Abstract]
Maximum aggregate number of shares of common stock that may be issued (in Shares)	1,000,000
Stock-based compensation expense	$ 124	$ 53
Unrecognized compensation cost	$ 10
Weighted average remaining period, recognition of compensation cost	1 month
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

INCOME TAXES (Tables)

12 Months Ended

Dec. 31, 2025

INCOME TAXES [Abstract]

Components of Income Tax Expense (Benefit)

The components of income tax expense (benefit) were as follows for the periods indicated (dollars in thousands):

	Year Ended December 31,
	2025			2024			2023
Current expense
Federal	$	16,105		$	14,184		$	16,192
State		520			440			381
Deferred expense
Federal		(1,023	)		(1,049	)		99
Total	$	15,602		$	13,575		$	16,672

Effective Income Tax Rate Reconciliation

Effective tax rates differ from the federal statutory rate of 21% applied to income before income taxes due to the following for the periods indicated (dollars in thousands):

	Year Ended December 31,
	2025						2024						2023
	Amount			Rate			Amount			Rate			Amount			Rate
Federal statutory rate times financial statement income	$	15,555			21.0	%	$	13,291			21.0	%	$	16,678			21.0	%
Effect of:
Tax-exempt income		(718	)		(1.0	)%		(701	)		(1.1	)%		(836	)		(1.1	)%
State taxes, net of federal benefit		411			0.6	%		348			0.6	%		301			0.4	%
Earnings from bank owned life insurance		(343	)		(0.5	)%		(326	)		(0.5	)%		(279	)		(0.4	)%
Non-deductible expenses		499			0.7	%		648			1.0	%		675			0.8	%
Other, net		198			0.3	%		315			0.5	%		133			0.2	%
Total	$	15,602			21.1	%	$	13,575			21.5	%	$	16,672			20.9	%

Income Taxes Paid, Net of Refunds Received

Income taxes paid, net of refunds received, were as follows for the periods indicated (dollars in thousands):

	Year Ended December 31,
	2025		2024		2023
Federal	$	16,721	$	12,104	$	19,102
State		472		431		286

Deferred Tax Assets and Liabilities

Year-end deferred tax assets and liabilities were due to the following at year-end (dollars in thousands):

	December 31,
	2025			2024
Deferred tax assets
Allowance for credit losses	$	9,478		$	9,080
Deferred compensation		6,038			5,884
Leases		204			197
Other real estate owned		44			23
Nonaccrual loans		111			320
Unrealized gain on available-for-sale securities		14,708			19,273
Other		568			446
Total deferred tax assets		31,151			35,223

Deferred tax liabilities
Depreciation		(2,629	)		(2,457	)
Intangibles		(260	)		(401	)
Prepaid expenses		(625	)		(704	)
Mortgage servicing rights		(5,049	)		(5,521	)
Other		(2,155	)		(3,300	)
Total deferred tax liabilities		(10,718	)		(12,383	)
Net deferred tax asset	$	20,433		$	22,840

LOANS HELD FOR INVESTMENT (Tables)

12 Months Ended

Dec. 31, 2025

LOANS HELD FOR INVESTMENT [Abstract]

Loans Held for Investment by Category

Loans held for investment are summarized by category at year-end as follows (dollars in thousands):

	December 31, 2025			December 31, 2024
Commercial real estate	$	1,064,625		$	1,119,063
Commercial - specialized		409,351			388,955
Commercial - general		659,323			557,371
Consumer:
1-4 family residential		589,851			566,400
Auto loans		259,157			254,474
Other consumer		62,092			64,936
Construction		100,103			103,855
		3,144,502			3,055,054
Allowance for credit losses on loans		(45,131	)		(43,237	)
Loans, net	$	3,099,371		$	3,011,817

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

The following tables detail the activity in the ACL for loans for the years ended December 31, 2025, 2024, and 2023 (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 year ended December 31, 2025
Commercial real estate	$	15,973	$	(218	)	$	(541	)	$	—	$	15,214
Commercial - specialized		4,640		464			—			127		5,231
Commercial - general		6,874		1,050			(883	)		407		7,448
Consumer:
1-4 family residential		9,677		1,592			(307	)		141		11,103
Auto loans		3,015		1,165			(1,349	)		202		3,033
Other consumer		1,115		868			(1,066	)		233		1,150
Construction		1,943		4			—			5		1,952
	$	43,237	$	4,925		$	(4,146	)	$	1,115	$	45,131
For the year ended December 31, 2024
Commercial real estate	$	15,808	$	207		$	(87	)	$	45	$	15,973
Commercial - specialized		4,020		540			—			80		4,640
Commercial - general		6,391		1,393			(1,082	)		172		6,874
Consumer:
1-4 family residential		9,177		669			(175	)		6		9,677
Auto loans		3,601		465			(1,186	)		135		3,015
Other consumer		968		1,204			(1,257	)		200		1,115
Construction		2,391		(138	)		(315	)		5		1,943
	$	42,356	$	4,340		$	(4,102	)	$	643	$	43,237

	Beginning Balance		Impact of CECL Adoption			Provision for Credit Losses			Charge- offs			Recoveries		Ending Balance
For the year ended December 31, 2023
Commercial real estate	$	13,029	$	827		$	1,952		$	—		$	—	$	15,808
Commercial - specialized		3,425		33			398			(11	)		175		4,020
Commercial - general		9,215		(2,574	)		42			(469	)		177		6,391
Consumer:
1-4 family residential		6,194		1,700			1,278			(1	)		6		9,177
Auto loans		3,926		(332	)		698			(888	)		197		3,601
Other consumer		1,376		(235	)		688			(1,140	)		279		968
Construction		2,123		683			(96	)		(319	)		—		2,391
	$	39,288	$	102		$	4,960		$	(2,828	)	$	834	$	42,356

The following table shows 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		Accounts Receivable		Total Loans Individually Evaluated		Total ACL for Individually Evaluated Loans
December 31, 2025
Commercial real estate	$	462	$	941	$	—	$	1,403	$	112
Commercial - specialized		289		255		—		544		—
Commercial - general		1,086		2,869		—		3,955		275
Consumer:
1-4 family residential		—		—		—		—		—
Auto loans		—		—		—		—		—
Other consumer		—		—		—		—		—
Construction		—		—		—		—		—
	$	1,837	$	4,065	$	—	$	5,902	$	387

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 table below provides 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		Total Nonaccrual		Nonaccrual with no ACL
December 31, 2025
Commercial real estate	$	2,241	$	206	$	1,402	$	54
Commercial - specialized		264		50		699		544
Commercial - general		1,173		31		4,108		—
Consumer:
1-4 Family residential		1,221		1,750		845		—
Auto loans		395		40		—		—
Other consumer		765		80		16		—
Construction		455		578		—		—
	$	6,514	$	2,735	$	7,070	$	598

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

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

							Term Loans
					Amortized Cost Basis by Origination Year
	December 31, 2025
(Dollars in thousands)
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Total

Commercial real estate:
Pass	$	209,948	$	137,602	$	195,747	$	245,012	$	95,319	$	143,422	$	5,372	$	1,032,422
Special mention		—		2,825		7,343		81		166		1,095		483		11,993
Substandard		360		62		5,101		1,613		7,095		5,979		—		20,210
Total commercial real estate loans	$	210,308	$	140,489	$	208,191	$	246,706	$	102,580	$	150,496	$	5,855	$	1,064,625
Year-to-date gross charge-offs	$	—	$	—	$	541	$	—	$	—	$	—	$	—	$	541

Commercial - specialized:
Pass	$	122,003	$	35,559	$	38,159	$	24,081	$	32,943	$	29,452	$	103,491	$	385,688
Special mention		4,572		8,076		799		1,042		1,734		830		3,770		20,823
Substandard		—		194		570		811		1,206		59		—		2,840
Total commercial - specialized loans	$	126,575	$	43,829	$	39,528	$	25,934	$	35,883	$	30,341	$	107,261	$	409,351
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial - general:
Pass	$	178,827	$	103,310	$	51,335	$	84,327	$	43,179	$	79,605	$	92,158	$	632,741
Special mention		60		2,110		12,127		—		1,011		473		—		15,781
Substandard		40		758		1,615		1,281		5,749		1,116		242		10,801
Total commercial - general loans	$	178,927	$	106,178	$	65,077	$	85,608	$	49,939	$	81,194	$	92,400	$	659,323
Year-to-date gross charge-offs	$	—	$	245	$	164	$	116	$	63	$	245	$	50	$	883

Consumer: 1-4 family residential:

Pass	$	95,677	$	69,844	$	92,148	$	137,702	$	77,474	$	96,393	$	4,010	$	573,248
Special mention		—		—		621		428		5,061		—		—		6,110
Substandard		214		3,095		1,573		1,067		604		3,940		—		10,493
Total consumer: 1-4 family residential loans	$	95,891	$	72,939	$	94,342	$	139,197	$	83,139	$	100,333	$	4,010	$	589,851
Year-to-date gross charge-offs	$	—	$	—	$	31	$	—	$	215	$	61	$	—	$	307

Consumer: auto loans:
Pass	$	115,240	$	48,236	$	42,397	$	39,896	$	11,045	$	2,015	$	—	$	258,829
Special mention		—		—		—		—		—		—		—		—
Substandard		—		44		70		122		75		17		—		328
Total consumer: auto loans	$	115,240	$	48,280	$	42,467	$	40,018	$	11,120	$	2,032	$	—	$	259,157
Year-to-date gross charge-offs	$	29	$	243	$	367	$	477	$	198	$	35	$	—	$	1,349

Consumer: other consumer:
Pass	$	27,912	$	12,521	$	6,704	$	7,014	$	2,223	$	4,096	$	1,534	$	62,004
Special mention		—		—		—		—		—		—		—		—
Substandard		16		13		—		16		10		33		—		88
Total consumer: other consumer loans	$	27,928	$	12,534	$	6,704	$	7,030	$	2,233	$	4,129	$	1,534	$	62,092
Year-to-date gross charge-offs ⁽¹⁾	$	510	$	203	$	44	$	107	$	49	$	152	$	1	$	1,066

Construction:
Pass	$	71,154	$	24,768	$	2,505	$	570	$	—	$	—	$	—	$	98,997
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		1,106		—		—		—		—		1,106
Total construction loans	$	71,154	$	24,768	$	3,611	$	570	$	—	$	—	$	—	$	100,103
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

⁽¹⁾Includes $498 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
Current period 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
Current period 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

The following table presents the amortized cost basis of loans at the dates indicated that were both experiencing financial difficulty and modified during the years ended December 31, 2025 and 2024, 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, Term Extension, and Interest Rate Reduction		Total % Class of Financing Receivable
December 31, 2025
Commercial real estate	$	—	$	124	$	—	$	601	$	—	$	—		0.07	%
Commercial - specialized		—		—		—		95		—		—		0.02	%
Commercial - general		—		900		403		4,048		—		7		0.81	%
Consumer:
1-4 family		—		131		—		—		30		—		0.03	%
Auto loans		41		30		—		29		—		3		0.04	%
Other consumer		—		—		—		14		—		—		0.02	%
Construction		—		527		—		—		—		—		0.53	%
	$	41	$	1,712	$	403	$	4,787	$	30	$	10		0.22	%
December 31, 2024
Commercial real estate	$	74	$	65	$	—	$	—	$	—	$	—		0.01	%
Commercial - specialized		13		—		—		—		—		—		—
Commercial - general		—		428		—		11		29		47		0.09	%
Consumer:
1-4 family		322		—		—		187		—		—		0.09	%
Auto loans		—		—		—		—		—		—		—
Other consumer		—		—		—		—		—		—		—
Construction		—		—		818		1,670		—		—		2.40	%
	$	409	$	493	$	818	$	1,868	$	29	$	47		0.12	%

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 at the dates indicated that have been modified in the years ended December 31, 2025 and 2024 (dollars in thousands):

	30-89 Days Past Due		90 Days or More Past Due and Still Accruing		Nonaccrual
December 31, 2025
Commercial real estate	$	725	$	—	$	—
Commercial - specialized		—		—		95
Commercial - general		577		—		3,998
Consumer:
1-4 Family residential		—		—		—
Auto loans		30		—		—
Other consumer		—		—		—
Construction		—		—		—
	$	1,332	$	—	$	4,093

December 31, 2024
Commercial real estate	$	74	$	—	$	—
Commercial - specialized		—		—		13
Commercial - general		59		82		—
Consumer:
1-4 Family residential		—		60		—
Auto loans		—		—		—
Other consumer		—		—		—
Construction		95		—		1,575
	$	228	$	142	$	1,588

The following table presents the financial effects of the loan modifications presented above to borrowers experiencing financial difficulty for the years ended December 31, 2025 and 2024 (dollars in thousands):

	Weighted- Average Interest Rate Reduction			Weighted- Average Term Extension (Months)
December 31, 2025
Commercial real estate		—			9
Commercial - specialized		—			11
Commercial - general		9.10	%		7
Consumer:
1-4 Family residential		0.25	%		3
Auto loans		1.20	%		18
Other consumer		—			5
Construction		—			3

December 31, 2024
Commercial real estate		—			12
Commercial - specialized		—			—
Commercial - general		0.82	%		14
Consumer:
1-4 Family residential		—			10
Auto loans		—			—
Other consumer		—			—
Construction		4.25	%		5

LOANS HELD FOR INVESTMENT - Loans Held for Investment by Category (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	$ 3,144,502	$ 3,055,054
Allowance for credit losses on loans	(45,131)	(43,237)	$ (42,356)	$ (39,288)
Loans held for investment, net	3,099,371	3,011,817
Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	1,064,625	1,119,063
Allowance for credit losses on loans	(15,214)	(15,973)	(15,808)	(13,029)
Commercial [Member] \| Specialized [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	409,351	388,955
Allowance for credit losses on loans	(5,231)	(4,640)	(4,020)	(3,425)
Commercial [Member] \| General [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	659,323	557,371
Allowance for credit losses on loans	(7,448)	(6,874)	(6,391)	(9,215)
Consumer [Member] \| 1-4 Family Residential [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	589,851	566,400
Allowance for credit losses on loans	(11,103)	(9,677)	(9,177)	(6,194)
Consumer [Member] \| Auto Loans [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	259,157	254,474
Allowance for credit losses on loans	(3,033)	(3,015)	(3,601)	(3,926)
Consumer [Member] \| Other Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	62,092	64,936
Allowance for credit losses on loans	(1,150)	(1,115)	(968)	(1,376)
Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	100,103	103,855
Allowance for credit losses on loans	$ (1,952)	$ (1,943)	$ (2,391)	$ (2,123)

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)

12 Months Ended

Dec. 31, 2025

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]

Changes in Accumulated Other Comprehensive Income (Loss) by Component, Net of Tax

The following table details the changes in accumulated other comprehensive income (loss) by component, net of tax for the periods indicated (dollars in thousands):

	Gains and (Losses) on Fair Value Hedges			Unrealized Gains and (Losses) on Securities Available for Sale			Total
For the Year Ended December 31, 2025
Beginning balance	$	11,881		$	(72,502	)	$	(60,621	)
Other comprehensive income (loss) before reclassification		(4,271	)		17,173			12,902
Amounts reclassified from other comprehensive		—			—			—
Net current period other comprehensive income (loss)		(4,271	)		17,173			12,902
Ending balance	$	7,610		$	(55,329	)	$	(47,719	)

For the Year Ended December 31, 2024
Beginning balance	$	13,160		$	(64,834	)	$	(51,674	)
Other comprehensive loss before reclassification		(1,279	)		(7,668	)		(8,947	)
Amounts reclassified from other comprehensive		—			—			—
Net current period other comprehensive loss		(1,279	)		(7,668	)		(8,947	)
Ending balance	$	11,881		$	(72,502	)	$	(60,621	)

For the Year Ended December 31, 2023
Beginning balance	$	16,072		$	(81,180	)	$	(65,108	)
Other comprehensive income (loss) before reclassification		(2,912	)		13,653			10,741
Amounts reclassified from other comprehensive		—			2,693			2,693
Net current period other comprehensive income (loss)		(2,912	)		16,346			13,434
Ending balance	$	13,160		$	(64,834	)	$	(51,674	)

DEPOSITS (Details) - USD ($) $ in Millions	Dec. 31, 2025	Dec. 31, 2024
DEPOSITS [Abstract]
Time deposit meeting or exceeding FDIC Insurance limit of $250,000	$ 200.6	$ 208.8

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Interest income:
Loans, including fees	$ 211,202	$ 202,270	$ 176,598
Securities:
Taxable	18,634	21,090	21,590
Non-taxable	3,315	3,220	3,872
Federal funds sold and interest-bearing deposits in banks	18,847	14,319	9,973
Total interest income	251,998	240,899	212,033
Interest expense:
Deposits	79,355	87,081	64,987
Notes payable & other borrowings	0	0	5
Subordinated debt	2,730	3,339	4,018
Junior subordinated deferrable interest debentures	2,914	3,381	3,276
Total interest expense	84,999	93,801	72,286
Net interest income	166,999	147,098	139,747
Provision for credit losses	5,195	4,300	4,610
Net interest income, after provision for credit losses	161,804	142,798	135,137
Noninterest income:
Service charges on deposit accounts	8,823	8,026	7,130
Net gain on sales of loans	9,605	10,524	11,027
Bank card services and interchange fees	13,912	13,640	13,323
Other mortgage banking income	1,079	3,662	2,790
Investment commissions	1,700	1,704	1,698
Fiduciary fees	2,932	2,719	2,433
Gain on sale of subsidiary	0	0	33,778
Other	6,838	7,797	7,047
Total noninterest income	44,889	48,072	79,226
Noninterest expense:
Salaries and employee benefits	76,947	74,338	79,377
Occupancy and equipment, net	16,051	16,105	16,102
Professional services	7,310	6,583	6,433
Marketing and development	4,023	3,782	3,453
IT and data services	4,701	4,286	3,410
Bank card expenses	6,099	5,873	5,557
Realized loss on sale of securities	0	0	3,409
Other	17,489	16,611	17,205
Total noninterest expense	132,620	127,578	134,946
Income before income taxes	74,073	63,292	79,417
Income tax expense	15,602	13,575	16,672
Net income	$ 58,471	$ 49,717	$ 62,745
Earnings per share:
Basic (in Dollars per share)	$ 3.59	$ 3.03	$ 3.73
Diluted (in Dollars per share)	$ 3.44	$ 2.92	$ 3.62
Net income	$ 58,471	$ 49,717	$ 62,745
Other comprehensive income (loss):
Unrealized gains (losses) on securities available for sale	21,738	(9,706)	17,282
Less: Change in fair value on hedged state and municipal securities	(5,406)	(1,619)	(3,686)
Reclassification adjustment for loss on sale of securities	0	0	3,409
Tax effect	(3,430)	2,378	(3,571)
Other comprehensive income (loss)	12,902	(8,947)	13,434
Comprehensive income	$ 71,373	$ 40,770	$ 76,179

SECURITIES (Details) $ in Thousands	3 Months Ended	12 Months Ended
SECURITIES (Details) $ in Thousands	Jun. 30, 2023 USD ($)	Dec. 31, 2025 USD ($) SECURITY	Dec. 31, 2024 USD ($) SECURITY	Dec. 31, 2023 USD ($)
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 (in SECURITY) \| SECURITY		0	0
Carrying value of securities pledged to collateralize public deposits and for other purposes		$ 413,700	$ 309,000
Available for sale securities sold	$ 56,200
Realized loss on sale of securities	$ (3,400)	$ 0	$ 0	$ (3,409)
Number of securities with an unrealized loss (in SECURITY) \| SECURITY		131

- 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
-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/2003/role/disclosureRef
-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

PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION - Condensed Balance Sheets (Details) - South Plains Financial, Inc. [Member] - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and cash equivalents	$ 80,159	$ 104,856
Other assets	11,036	9,060
Total assets	556,330	550,956
LIABILITIES AND STOCKHOLDERS’ EQUITY
Debt	60,493	110,354
Accrued expenses and other liabilities	2,000	1,653
Stockholders’ equity	493,837	438,949
Total liabilities and stockholders’ equity	556,330	550,956
Bank Subsidiary [Member]
ASSETS
Investment in subsidiary	465,084	436,989
Other Subsidiary [Member]
ASSETS
Investment in subsidiary	$ 51	$ 51

SECURITIES

12 Months Ended

Dec. 31, 2025

SECURITIES [Abstract]

SECURITIES

3. SECURITIES

The amortized cost, related gross unrealized gains and losses, allowance for credit losses, and estimated fair value of securities available for sale at year-end follows (dollars in thousands):

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Allowance for Credit Losses		Fair Value
December 31, 2025
Available for sale:
State and municipal	$	199,417	$	388	$	(23,500	)	$	—	$	176,305
Residential mortgage-backed securities		302,711		130		(42,081	)		—		260,760
Commercial mortgage-backed securities		48,769		—		(3,983	)		—		44,786
Commercial collateralized mortgage obligations		67,708		77		(188	)		—		67,597
Asset-backed and other amortizing securities		13,972		—		(840	)		—		13,132
Other securities		5,000		—		(40	)		—		4,960
	$	637,577	$	595	$	(70,632	)	$	—	$	567,540

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

The amortized cost and estimated fair value of securities at December 31, 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	$	545	$	546
After 1 year through 5 years		10,080		9,985
After 5 years through 10 years		12,841		12,185
After 10 years		180,951		158,549
Declining-balance securities		433,160		386,275
	$	637,577	$	567,540

At December 31, 2025 and 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 $413.7 million and $309.0 million at December 31, 2025 and 2024, respectively, were pledged to collateralize public deposits and for other purposes as required or permitted by law.

The Company sold $56.2 million of available for sale securities in the second quarter of 2023. This resulted in realized losses on sale of $3.4 million.

The following table segregates securities with unrealized losses at year-end, 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
December 31, 2025
State and municipal	$	205	$	—	$	165,618	$	23,500	$	165,823	$	23,500
Residential mortgage-backed securities		3,132		48		249,710		42,033		252,842		42,081
Commercial mortgage-backed securities		3,503		7		41,284		3,976		44,787		3,983
Commercial collateralized mortgage obligations		63,210		188		—		—		63,210		188
Asset-backed and other amortizing securities		—		—		13,132		840		13,132		840
Other securities		—		—		4,961		40		4,961		40
	$	70,050	$	243	$	474,705	$	70,389	$	544,755	$	70,632

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 131 securities with an unrealized loss at December 31, 2025, generally due to a continuation of the elevated market interest rate environment. Management evaluates AFS securities 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 as there are adequate liquidity sources to meet expected and unexpected funding needs. 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 December 31, 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.

RELATED-PARTY TRANSACTIONS (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
RELATED-PARTY TRANSACTIONS [Abstract]
Direct and indirect loans to related parties, aggregated amount	$ 48.9	$ 44.3
Charge-offs related to related-party loans	$ 0.0	$ 0.0

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES

12 Months Ended

Dec. 31, 2025

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

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES

16. 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 year-end follow (dollars in thousands):

	December 31,
	2025		2024
Commitments to grant loans and unfunded commitments under lines of credit	$	554,286	$	537,688
Standby letters-of-credit		30,681		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.

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 available to be issued.

FHLB Letters of Credit – The Company may use FHLB letters of credit to pledge to certain public deposits. There were no FHLB letters of credit outstanding at December 31, 2025. At December 31, 2024, there was 75.0 million of FHLB letters of credit outstanding.

GOODWILL AND INTANGIBLES

12 Months Ended

Dec. 31, 2025

GOODWILL AND INTANGIBLES [Abstract]

GOODWILL AND INTANGIBLES

8. GOODWILL AND INTANGIBLES

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

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

	December 31,
	2025			2024
Amortized intangible assets:
Core deposit intangible	$	6,679		$	6,679
Less: Accumulated amortization		(5,546	)		(4,959	)
Other intangible assets, net	$	1,133		$	1,720

Amortization expense for other intangibles for the years ended December 31, 2025, 2024, and 2023 totaled $0.6 million, $0.7 million, and $1.0 million, respectively. The estimated amount of amortization expense for core deposit intangibles to be recognized over the next five years is as follows (dollars in thousands):

2026	$	465
2027		344
2028		223
2029		101
2030		—

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Subsidiaries Information (Details)	12 Months Ended
	Dec. 31, 2025
City Bank [Member] \| Bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	City Bank
Ruidoso Retail, Inc. [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	Ruidoso Retail, Inc.
CB Provence, LLC [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	CB Provence, LLC
CBT Brushy Creek, LLC [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	CBT Brushy Creek, LLC
CBT Properties, LLC [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Consolidated Subsidiaries	CBT Properties, LLC
South Plains Financial Capital Trusts (“SPFCT”) III-V [Member] \| Non-bank Subsidiary [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Wholly-Owned, Equity Method Subsidiaries	South Plains Financial Capital Trusts (“SPFCT”) III-V

PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION

12 Months Ended

Dec. 31, 2025

PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION [Abstract]

PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION

19. PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION

Condensed financial information of South Plains Financial, Inc. follows (dollars in thousands):

CONDENSED BALANCE SHEETS

	December 31,
	2025		2024
ASSETS
Cash and cash equivalents	$	80,159	$	104,856
Investment in banking subsidiary		465,084		436,989
Investment in other subsidiary		51		51
Other assets		11,036		9,060
Total assets	$	556,330	$	550,956

LIABILITIES AND STOCKHOLDERS’ EQUITY
Debt	$	60,493	$	110,354
Accrued expenses and other liabilities		2,000		1,653
Stockholders’ equity		493,837		438,949
Total liabilities and stockholders’ equity	$	556,330	$	550,956

CONDENSED STATEMENTS OF INCOME

	Year Ended December 31,
	2025			2024			2023
Dividends	$	49,550		$	31,400		$	35,000
Other income		88			102			100
Interest expense		(5,644	)		(6,721	)		(7,294	)
Other expense		(2,383	)		(2,168	)		(1,897	)
Income before income tax and undistributed subsidiary income		41,611			22,613			25,909
Income tax benefit		(1,667	)		(1,845	)		(1,904	)
Equity in undistributed subsidiary income		15,193			25,259			34,932
Net income	$	58,471		$	49,717		$	62,745

CONDENSED STATEMENTS OF CASH FLOWS

	Year Ended December 31,
	2025			2024			2023
Cash flows from operating activities:
Net income	$	58,471		$	49,717		$	62,745
Adjustments:
Equity in undistributed subsidiary income		(15,193	)		(25,259	)		(34,932	)
Amortization of debt issuance costs		139			186			186
Stock based compensation		2,624			2,318			2,157
Change in other assets		(1,976	)		3,532			(3,378	)
Change in other liabilities		347			(1,552	)		1,004
Net cash from operating activities		44,412			28,942			27,782

Cash flows from financing activities:
Repayments of long-term borrowings		(50,000	)		—			(12,372	)
Proceeds from common stock issuance		451			—			—
Payments to tax authorities for stock-based compensation		(933	)		(759	)		(731	)
Payments to repurchase common stock		(8,526	)		(1,340	)		(17,763	)
Cash dividends paid on common stock		(10,101	)		(9,154	)		(8,745	)
Net cash from financing activities		(69,109	)		(11,253	)		(39,611	)

Net change in cash and cash equivalents		(24,697	)		17,689			(11,829	)
Beginning cash and cash equivalents		104,856			87,167			98,996
Ending cash and cash equivalents	$	80,159		$	104,856		$	87,167

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($) $ in Thousands		12 Months Ended
	Apr. 01, 2023	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Number of days principal or interest is in default for securities to be placed on nonaccrual status		90 days
Number of days principal or interest payments are past due for loans to be placed on nonaccrual status		90 days
Period for estimate of expected credit loss for each loan		1 year
Period of macroeconomic variables forecast		1 year
Period of rolling average of historical usage used for determining utilization rates		2 years
Servicing income		$ 3,800	$ 4,000	$ 4,200
Goodwill impairment loss		0	0	0
Recorded value of interest locks at inception		0
Recorded value of forward loan sales commitments at inception		0
Advertising costs		3,400	3,300	$ 2,900
Retained earnings		$ 434,197	$ 385,827
ACL for off-balance sheet credit exposures					$ 580
Core Deposit Intangible [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Estimated useful lives		10 years
ASU 2016-13 [Member] \| Impact of Adoption [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Retained earnings					(997)
ACL for off-balance sheet credit exposures					$ 1,160
Windmark [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Aggregate purchase price	$ 36,100
Pre-tax gain on sale of subsidiary	$ 33,800
Minimum [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Adjusted period for reasonable and supportable economic forecast		1 year
Minimum [Member] \| Furniture and Equipment [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Useful life		3 years
Maximum [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Adjusted period for reasonable and supportable economic forecast		2 years
Maximum [Member] \| Building and Improvements [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Useful life		40 years
Maximum [Member] \| Furniture and Equipment [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Useful life		10 years

INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deferred tax assets
Allowance for credit losses	$ 9,478	$ 9,080
Deferred compensation	6,038	5,884
Leases	204	197
Other real estate owned	44	23
Nonaccrual loans	111	320
Unrealized gain on available-for-sale securities	14,708	19,273
Other	568	446
Total deferred tax assets	31,151	35,223
Deferred tax liabilities
Depreciation	(2,629)	(2,457)
Intangibles	(260)	(401)
Prepaid expenses	(625)	(704)
Mortgage servicing rights	(5,049)	(5,521)
Other	(2,155)	(3,300)
Total deferred tax liabilities	(10,718)	(12,383)
Net deferred tax asset	$ 20,433	$ 22,840

FAIR VALUE DISCLOSURES

12 Months Ended

Dec. 31, 2025

FAIR VALUE DISCLOSURES [Abstract]

FAIR VALUE DISCLOSURES

23. 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
December 31, 2025
Assets (liabilities) measured at fair value on a recurring basis:
Securities available for sale:
State and municipal	$	—	$	176,305		$	—	$	176,305
Residential mortgage-backed securities		—		260,760			—		260,760
Commercial mortgage-backed securities		—		44,786			—		44,786
Commercial collateralized mortgage obligations		—		67,597			—		67,597
Asset-backed and other amortizing securities		—		13,132			—		13,132
Other securities		—		4,960			—		4,960
Loans held for sale (mandatory)		—		7,796			—		7,796
Mortgage servicing rights		—		—			24,041		24,041
Asset derivatives		—		9,970			—		9,970
Liability derivatives		—		(65	)		—		(65	)

Assets measured at fair value on a non-recurring basis:
Loans held for investment		—		—			5,515		5,515

	Level 1		Level 2			Level 3		Total
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 9 for the Level 3 change activity for the years ended December 31, 2025, 2024 and 2023.

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 December 31, 2025, and 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 December 31, 2025 and 2024 the aggregate fair value of loans held for sale for mandatory delivery was $7.8 million and $13.8 million, respectively. The aggregate unpaid principal balance as of the same dates was $7.6 million and $13.5 million, respectively, representing differences between fair value and unpaid principal balance of $152 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 December 31, 2025 and 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 the years ended December 31, 2025, 2024, and 2023 this amount totaled $(254) thousand, $345 thousand, and $(424) thousand, respectively.

The following table presents quantitative information about recurring and non-recurring Level 3 fair value measurements at December 31 (dollars in thousands):

	Fair Value		Valuation Techniques	Unobservable Inputs	Range of Discounts
December 31, 2025
Non-recurring
Loans held for investment	$	5,515	Third party appraisals or inspections	Collateral discounts and selling costs		20%-60	%
Recurring:
Mortgage servicing rights		24,041	Discounted cash flows	Constant prepayment rate		8.81	%
				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	%

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 as of December 31 (dollars in thousands):

	Carrying Amount		Level 1		Level 2		Level 3		Total
December 31, 2025
Financial assets:
Cash and cash equivalents	$	552,439	$	552,439	$	—	$	—	$	552,439
Loans held for investment, net		3,099,371		—		—		3,082,072		3,082,072
Loans held for sale (best efforts)		2,197		—		2,237		—		2,237
Accrued interest receivable		20,931		—		20,931		—		20,931

Financial liabilities:
Deposits		3,874,077		—		3,873,806		—		3,873,806
Accrued interest payable		5,014		—		5,014		—		5,014
Junior subordinated deferrable interest debentures		46,393		—		35,213		—		35,213
Subordinated debt		14,100		—		13,907		—		13,907

	Carrying Amount		Level 1		Level 2		Level 3		Total
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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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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+ Details

EMPLOYEE BENEFITS (Details) $ in Thousands	12 Months Ended
EMPLOYEE BENEFITS (Details) $ in Thousands	Dec. 31, 2025 USD ($) Hour	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
401K Plan [Member]
EMPLOYEE BENEFITS [Abstract]
Percentage of employer matching contribution for first 5% of participant's contribution	100.00%
Percentage of participant's compensation contributed for employer's 100% matching contribution	5.00%
Expense for contributions to 401 (k) plan	$ 1,900	$ 1,800	$ 1,800
Employee Health Benefits [Member]
EMPLOYEE BENEFITS [Abstract]
Waiting period to be eligible for non-officers	60 days
Welfare benefit expense	$ 4,800	4,500	$ 4,400
Accrued benefit obligations	957	746
Annual limit for stop loss amount per participant	$ 200
Employee Health Benefits [Member] \| Minimum [Member]
EMPLOYEE BENEFITS [Abstract]
Number of working hours required per week to be eligible to cover under self-insured welfare benefit plan (in Hour) \| Hour	30
Executive Salary Continuation Plan [Member]
EMPLOYEE BENEFITS [Abstract]
Liabilities for cost of benefits accrued	$ 13,900	$ 13,700
Defined Benefit Plan, Tax Status [Extensible Enumeration]	us-gaap:NonqualifiedPlanMember	us-gaap:NonqualifiedPlanMember	us-gaap:NonqualifiedPlanMember
Defined Benefit Plan, Funding Status [Extensible Enumeration]	us-gaap:UnfundedPlanMember	us-gaap:UnfundedPlanMember	us-gaap:UnfundedPlanMember
Charges to income for plans	$ 1,000	$ 1,100	$ 1,100

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

12 Months Ended

Dec. 31, 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 year-end follow (dollars in thousands):

	December 31,
	2025		2024
Commitments to grant loans and unfunded commitments under lines of credit	$	554,286	$	537,688
Standby letters-of-credit		30,681		18,696

LOANS HELD FOR INVESTMENT - Age Analysis on Accruing Past-due Loans and Nonaccrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	$ 3,144,502	$ 3,055,054
Total Nonaccrual	7,070	22,102
Nonaccrual with no ACL	598	1,575
30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	6,514	7,928
90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	2,735	1,921
Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	1,064,625	1,119,063
Total Nonaccrual	1,402	19,543
Nonaccrual with no ACL	54	0
Commercial Real Estate [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	2,241	594
Commercial Real Estate [Member] \| 90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	206	96
Commercial [Member] \| Specialized [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	409,351	388,955
Total Nonaccrual	699	105
Nonaccrual with no ACL	544	0
Commercial [Member] \| Specialized [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	264	1,770
Commercial [Member] \| Specialized [Member] \| 90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	50	240
Commercial [Member] \| General [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	659,323	557,371
Total Nonaccrual	4,108	180
Nonaccrual with no ACL	0	0
Commercial [Member] \| General [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	1,173	1,374
Commercial [Member] \| General [Member] \| 90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	31	244
Consumer [Member] \| 1-4 Family Residential [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	589,851	566,400
Total Nonaccrual	845	676
Nonaccrual with no ACL	0	0
Consumer [Member] \| 1-4 Family Residential [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	1,221	1,966
Consumer [Member] \| 1-4 Family Residential [Member] \| 90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	1,750	1,042
Consumer [Member] \| Auto Loans [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	259,157	254,474
Total Nonaccrual	0	0
Nonaccrual with no ACL	0	0
Consumer [Member] \| Auto Loans [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	395	1,004
Consumer [Member] \| Auto Loans [Member] \| 90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	40	114
Consumer [Member] \| Other Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	62,092	64,936
Total Nonaccrual	16	23
Nonaccrual with no ACL	0	0
Consumer [Member] \| Other Consumer [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	765	1,125
Consumer [Member] \| Other Consumer [Member] \| 90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	80	185
Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	100,103	103,855
Total Nonaccrual	0	1,575
Nonaccrual with no ACL	0	1,575
Construction [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	455	95
Construction [Member] \| 90 Days or More Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Past Due	$ 578	$ 0

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Cash dividends, common (in Dollars per share)	$ 0.62	$ 0.56	$ 0.52

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 58,471	$ 49,717	$ 62,745

- Definition

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

+ References

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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 41: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iv))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 42: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(5))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 43: http://www.xbrl.org/2003/role/disclosureRef
-Topic 260
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 60B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B

Reference 44: http://www.xbrl.org/2003/role/disclosureRef
-Topic 205
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483499/205-20-50-7

Reference 45: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 230
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 28
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482740/230-10-45-28

Reference 46: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A

Reference 47: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B

Reference 48: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 65
-Paragraph 4
-Subparagraph (f)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481538/470-20-65-4

Reference 49: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(22))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

+ Details

PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION - Condensed Statements of Income (Details) - South Plains Financial, Inc. [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION [Abstract]
Dividends	$ 49,550	$ 31,400	$ 35,000
Other income	88	102	100
Interest expense	(5,644)	(6,721)	(7,294)
Other expense	(2,383)	(2,168)	(1,897)
Income before income taxes	41,611	22,613	25,909
Income tax benefit	(1,667)	(1,845)	(1,904)
Equity in undistributed subsidiary income	15,193	25,259	34,932
Net income	$ 58,471	$ 49,717	$ 62,745

DERIVATIVES - Net Gains (Losses) Relating to Derivative Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Mortgage Banking Derivatives [Member] \| Net Gain (Loss) on Sales of Loans [Member] \| Mortgage Banking [Member]
DERIVATIVES [Abstract]
Gain (loss) on mortgage banking derivatives	$ (135)	$ 264	$ (405)

- 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

EARNINGS PER SHARE

12 Months Ended

Dec. 31, 2025

EARNINGS PER SHARE [Abstract]

EARNINGS PER SHARE

20. EARNINGS PER SHARE

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

	December 31,
	2025		2024		2023
Net income	$	58,471	$	49,717	$	62,745

Weighted average common shares outstanding - basic		16,283,804		16,410,336		16,843,753
Effect of dilutive securities:
Stock based compensation awards		699,263		621,002		489,459
Weighted average common shares outstanding - diluted		16,983,067		17,031,338		17,333,212

Basic earnings per share	$	3.59	$	3.03	$	3.73
Diluted earnings per share	$	3.44	$	2.92	$	3.62

DERIVATIVES (Tables)

12 Months Ended

Dec. 31, 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):

		For the Year Ended December 31,
	Location	2025			2024		2023
Gain (loss) on mortgage banking derivatives	Net gain (loss) on sales of loans	$	(135	)	$	264	$	(405	)

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 as of December 31 (dollars in thousands):

	December 31, 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	$	—	$	—	$	16,000	$	76
Interest rate lock commitments		16,127		216		12,937		222

Included in other liabilities:
Forward contracts related to mortgage loans held for sale	$	15,746	$	65	$	1,277	$	12
Interest rate lock commitments		—		—		—		—

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 as of December 31 (dollars in thousands):

	2025				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	$	2,030	$	24	$	11,803	$	205
Interest rate swaps related to state and municipal securities		117,860		9,730		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):

		Year Ended December 31,
Interest Rate Contracts	Location	2025			2024			2023
Change in fair value of interest rate swaps hedging investment securities	Other noninterest expense	$	(5,765	)	$	(1,133	)	$	(3,497	)
Change in fair value of hedged investment securities	Other noninterest expense		5,406			1,619			3,685

Change in fair value of interest rate swaps hedging fixed rate loans	Interest income - Loans		(181	)		57			(334	)
Change in fair value of hedged fixed rate loans	Interest income - Loans		181			24			335

BORROWING ARRANGEMENTS - Debentures and Trust Preferred Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2025 USD ($)
Debentures and Trust Preferred Securities [Member] \| SPFCT III [Member]
BORROWING ARRANGEMENTS [Abstract]
Variable Rate Basis	SPFCT III 2004 $ 10,000 $ 10,310 2034 3-mo. CME Term SOFR + 291bps; 6.77%
Issued date	Dec. 31, 2004
Stated maturity date	Dec. 31, 2034
Term of variable rate	3 months
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	spfi:ChicagoMercantileExchangeTermSecuredOvernightFinancingRateSOFRRateMember
Basis spread on variable rate	2.91%
Interest rate	6.77%
Debentures and Trust Preferred Securities [Member] \| SPFCT IV [Member]
BORROWING ARRANGEMENTS [Abstract]
Variable Rate Basis	SPFCT IV 2005 20,000 20,619 2035 3-mo. CME Term SOFR + 165bps; 5.37%
Issued date	Dec. 31, 2005
Stated maturity date	Dec. 31, 2035
Term of variable rate	3 months
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	spfi:ChicagoMercantileExchangeTermSecuredOvernightFinancingRateSOFRRateMember
Basis spread on variable rate	1.65%
Interest rate	5.37%
Debentures and Trust Preferred Securities [Member] \| SPFCT V [Member]
BORROWING ARRANGEMENTS [Abstract]
Variable Rate Basis	SPFCT V 2007 15,000 15,464 2037 3-mo. CME Term SOFR + 176bps; 5.48%
Issued date	Dec. 31, 2007
Stated maturity date	Dec. 31, 2037
Term of variable rate	3 months
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	spfi:ChicagoMercantileExchangeTermSecuredOvernightFinancingRateSOFRRateMember
Basis spread on variable rate	1.76%
Interest rate	5.48%
Trust Preferred Securities [Member]
BORROWING ARRANGEMENTS [Abstract]
Amount of TPS	$ 45,000
Trust Preferred Securities [Member] \| SPFCT III [Member]
BORROWING ARRANGEMENTS [Abstract]
Amount of TPS	10,000
Trust Preferred Securities [Member] \| SPFCT IV [Member]
BORROWING ARRANGEMENTS [Abstract]
Amount of TPS	20,000
Trust Preferred Securities [Member] \| SPFCT V [Member]
BORROWING ARRANGEMENTS [Abstract]
Amount of TPS	15,000
Debentures [Member]
BORROWING ARRANGEMENTS [Abstract]
Amount of debentures	46,393
Debentures [Member] \| SPFCT III [Member]
BORROWING ARRANGEMENTS [Abstract]
Amount of debentures	10,310
Debentures [Member] \| SPFCT IV [Member]
BORROWING ARRANGEMENTS [Abstract]
Amount of debentures	20,619
Debentures [Member] \| SPFCT V [Member]
BORROWING ARRANGEMENTS [Abstract]
Amount of debentures	$ 15,464

SECURITIES - Securities with Unrealized Losses Segregated by the Period in a Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
SECURITIES [Abstract]
Less than 12 months, Fair Value	$ 70,050	$ 73,696
Less than 12 months, Unrealized Loss	243	215
12 months or more, Fair Value	474,705	501,758
12 months or more, Unrealized Loss	70,389	91,560
Total, Fair Value	544,755	575,454
Total, Unrealized Loss	70,632	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	165,618	171,306
12 months or more, Unrealized Loss	23,500	26,291
Total, Fair Value	165,823	171,511
Total, Unrealized Loss	23,500	26,292
Residential Mortgage-backed Securities [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	3,132	8
Less than 12 months, Unrealized Loss	48	0
12 months or more, Fair Value	249,710	264,088
12 months or more, Unrealized Loss	42,033	56,925
Total, Fair Value	252,842	264,096
Total, Unrealized Loss	42,081	56,925
Commercial Mortgage-backed Securities [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	3,503	0
Less than 12 months, Unrealized Loss	7	0
12 months or more, Fair Value	41,284	40,360
12 months or more, Unrealized Loss	3,976	6,241
Total, Fair Value	44,787	40,360
Total, Unrealized Loss	3,983	6,241
Commercial Collateralized Mortgage Obligations [Member]
SECURITIES [Abstract]
Less than 12 months, Fair Value	63,210	73,483
Less than 12 months, Unrealized Loss	188	214
12 months or more, Fair Value	0	0
12 months or more, Unrealized Loss	0	0
Total, Fair Value	63,210	73,483
Total, Unrealized Loss	188	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	13,132	14,581
12 months or more, Unrealized Loss	840	1,526
Total, Fair Value	13,132	14,581
Total, Unrealized Loss	840	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	4,961	11,423
12 months or more, Unrealized Loss	40	577
Total, Fair Value	4,961	11,423
Total, Unrealized Loss	$ 40	$ 577

DERIVATIVES - Fair Value of Derivatives in Consolidated Balance Sheets (Details) - Mortgage Banking [Member] - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Forward Contracts [Member] \| Other Assets [Member]
DERIVATIVES [Abstract]
Derivative asset, notional amount	$ 0	$ 16,000
Derivative asset, fair value	0	76
Forward Contracts [Member] \| Other Liabilities [Member]
DERIVATIVES [Abstract]
Derivative liability, notional amount	15,746	1,277
Derivative liability, fair value	65	12
Interest Rate Lock Commitments [Member] \| Other Assets [Member]
DERIVATIVES [Abstract]
Derivative asset, notional amount	16,127	12,937
Derivative asset, fair value	216	222
Interest Rate Lock Commitments [Member] \| Other Liabilities [Member]
DERIVATIVES [Abstract]
Derivative liability, notional amount	0	0
Derivative liability, fair value	$ 0	$ 0

STOCK-BASED COMPENSATION - Stock Option Activity (Details) - 2019 Equity Incentive Plan [Member] - Stock Options [Member] $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 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
Granted (in Shares) \| shares	30,024
Granted (in Dollars per share) \| $ / shares	$ 34.01
Exercised (in Shares) \| shares	(129,138)
Exercised (in Dollars per share) \| $ / shares	$ 12.54
Forfeited (in Shares) \| shares	0
Forfeited (in Dollars per share) \| $ / shares	$ 0
Expired (in Shares) \| shares	0
Expired (in Dollars per share) \| $ / shares	$ 0
Outstanding at end of year (in Shares) \| shares	1,076,673
Outstanding at end of year (in Dollars per share) \| $ / shares	$ 18.92
Outstanding	4 years 14 days
Outstanding at end of year \| $	$ 21,406
Exercisable at end of period (in Shares) \| shares	1,010,403
Exercisable at end of period (in Dollars per share) \| $ / shares	$ 18.13
Exercisable at end of period	3 years 9 months 7 days
Exercisable at end of period \| $	$ 20,888
Vested at end of period (in Shares) \| shares	1,010,403
Vested at end of period (in Dollars per share) \| $ / shares	$ 18.13
Vested at end of period	3 years 9 months 7 days
Vested at end of period \| $	$ 20,888

INCOME TAXES - Income Taxes Paid, Net of Refunds Received (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
INCOME TAXES [Abstract]
Federal	$ 16,721	$ 12,104	$ 19,102
State	$ 472	$ 431	$ 286

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

12 Months Ended

Dec. 31, 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 December 31, 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

On April 1, 2023, SPFI entered into a Securities Purchase Agreement (“Agreement”) with Alliant Insurance Services, Inc. (“Alliant”), providing for the sale of Windmark Insurance Agency, Inc. (“Windmark”), City Bank’s wholly-owned subsidiary, through a sale of all of the outstanding shares of capital stock of Windmark to Alliant. The transaction was consummated on April 1, 2023. Pursuant to the terms and subject to the conditions of the Agreement, SPFI received an aggregate purchase price of $36.1 million in exchange for Windmark’s common shares, representing a pre-tax gain of $33.8 million. This transaction did not meet the criteria for discontinued operations reporting.

Basis of Presentation and Consolidation – The consolidated financial statements 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 Company’s consolidated financial statements are prepared and presented in accordance with generally accepted accounting principles (“GAAP”) in the U.S. Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) constitutes GAAP for nongovernmental entities. Updates to the FASB ASC are prescribed in Accounting Standards Updates (“ASUs”), which are not authoritative until incorporated into the ASC.

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 changes in the near term.

Reclassifications – Certain amounts in the prior year consolidated financial statements have been reclassified to conform to the current presentation.

Concentration of Credit Risk – The bank subsidiary is primarily involved in real estate, commercial, agricultural, and consumer lending activities with customers throughout Texas and Eastern New Mexico. Although the bank subsidiary has a diversified portfolio, its debtors’ ability to honor their contracts is substantially dependent upon the general economic conditions of the region which consist primarily of agribusiness, wholesale/retail, oil and gas and related business, healthcare industries, and institutions of higher education.

Comprehensive Income (Loss) – Comprehensive income (loss) is comprised of net income or loss and other comprehensive income or loss (“OCI”). Relevant examples of OCI items are unrealized holding gains and losses on securities available for sale and net gains and losses on fair value hedges.

Cash and Cash Equivalents – The Company includes all cash on hand, balances due from other banks, and federal funds sold, all of which have original maturities within three months, as cash and cash equivalents in the accompanying consolidated financial statements. On March 15, 2020, the Federal Reserve Bank announced that it had reduced regulatory reserve requirements to zero percent effective on March 26, 2020; therefore, no cash is required to be maintained to satisfy regulatory reserve requirements.

Securities – Investment securities may be classified into trading, held to maturity (“HTM”) or available for sale (“AFS”) portfolios. Securities that are held principally for resale in the near term are classified as trading. Securities that management has the ability and positive intent to hold to maturity are classified as HTM and recorded at amortized cost. Securities not classified as trading or HTM are AFS and are carried at fair value with unrealized gains and losses reported as a component of OCI, net of tax. Management uses these assets as part of its asset/liability management strategy; they may be sold in response to changes in liquidity needs, interest rates, resultant prepayment risk changes, and other factors. Management determines the appropriate classification of securities at the time of purchase. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on sales are recorded on the trade date, are derived from the amortized cost of the security sold and are determined using the specific identification method. A security is placed on nonaccrual status if principal or interest has been in default for a period of 90 days or more, or if full payment of principal and interest is not expected. The Company has made a policy election to exclude accrued interest receivable from the amortized cost basis of AFS securities and report the accrued interest in accrued interest receivable in the Consolidated Balance Sheets. Interest accrued but not received for a security placed on nonaccrual status is reversed against interest income.

ACL (AFS Securities) – For AFS securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For AFS securities that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in OCI. Changes in the ACL are recorded as provision for credit losses. Losses are charged against the allowance when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest is excluded from the estimate of credit losses.

Nonmarketable Equity Securities – Securities with limited marketability, such as stock in the Federal Home Loan Bank of Dallas (“FHLB”), are carried at cost and are reported in other assets. The Company monitors its investment in FHLB stock for impairment through a review of recent financial results of the FHLB including reviewing the capital adequacy and liquidity position. The Company has not identified any indicators of impairment of FHLB stock.

Small Business Investment Company (“SBIC”) investments are equity interests in limited partnerships. The SBIC investments do not have readily determinable fair values and are recorded under the equity method of accounting. Adjustments to the cost basis occur as a result of capital contributions, distributions, the Company’s share of earnings, or changes in the value of the Company’s equity position. The Company’s share of earnings is included in noninterest income with a one-quarter lag period.

Loans – Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their amortized cost. Amortized cost is the outstanding unpaid principal balances, net of any unearned income, charge-offs, unamortized deferred fees and costs on originated loans, and unamortized premiums or discounts on purchased loans. The Company has made a policy election to exclude accrued interest from the amortized cost basis of loans and report accrued interest separately from the related loan balance in accrued interest receivable on the Consolidated Balance Sheets. Accrued interest receivable is excluded from the estimate of credit losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the straight-line method, which is not materially different from the effective interest method required by GAAP.

Loans are placed on nonaccrual status when, in management’s opinion, collection of interest is unlikely, which typically occurs when principal or interest payments are more than ninety days past due. When interest accrual is discontinued, all unpaid accrued interest is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

ACL (Loans) – The ACL is a valuation account established by management as an estimate to cover expected credit losses through a provision for credit losses charged to earnings. Credit losses on loans are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Expected losses are calculated using comparable and quantifiable information from both internal and external sources about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. Expected credit losses are estimated over the contractual term of the loans and adjusted for expected prepayments.

The ACL is evaluated on a quarterly basis by management. The Company applied a dual credit risk rating (“DCRR”) methodology that estimates each loan’s probability of default and loss given default to calculate the expected credit loss to non-analyzed loans. The DCRR process quantifies the expected credit loss at the loan level for the entire loan portfolio. Loan grades are assigned by a customized scorecard that risk rates each loan based on multiple probability of default and loss given default elements to measure the credit risk of the loan portfolio. The ACL estimate incorporates the Company’s DCRR loan level risk rating methodology and the expected default rate frequency term structure to derive loan level life of loan estimates of credit losses for every loan in the portfolio. The estimated credit loss for each loan is adjusted based on its one-year through the cycle estimate of expected credit loss to a life of loan measurement that reflects current conditions and reasonable and supportable forecasts. The life of loan expected loss is determined using the contractual weighted average life of the loan adjusted for prepayments. Prepayment speeds are determined by grouping the loans into pools based on segments and risk rating. After the life of loan expected losses are determined, they are adjusted to reflect the Company’s reasonable and supportable economic forecast over a selected range of one to two years. The Company has developed regression models to project net charge-off rates based on macroeconomic variables (“MEVs”), typically a one-year forecast period is used. MEV’s considered in the analysis consist of data gathered from the St. Louis Federal Reserve Research Database (“FRED”), such as, federal funds rate, 10-year treasury rates, 30-year mortgage rates, crude oil prices, consumer price index, housing price index, unemployment rates, housing starts, gross domestic product, and disposable personal income. These regression models are applied to the Company’s economic forecast to determine the corresponding net charge-off rates. The projected net charge-off rates for the given economic scenario are used to adjust the life of loan expected losses. Qualitative adjustments are also made to ACL results for additional risk factors that are relevant in assessing the expected credit losses within our loan segments. These qualitative factor (“Q-Factor”) adjustments may increase or decrease management’s estimate of the ACL by a calculated percentage based upon the estimated level of risk within a particular segment. Q-Factor risk decisions consider concentrations of the loan portfolio, expected changes to the economic forecasts, large relationships, and other factors related to credit administration, such as borrower’s risk rating and the potential effect of delayed credit score migrations. Management quantifiably identifies segment percentage Q-Factor adjustments using a scorecard risk rating system scaled to historical loss experience within a segment and management’s perceived risk for that particular segment.

While management uses available information to recognize credit losses on loans, further reductions in the carrying amounts of loans may be necessary based on various factors. In addition, regulatory agencies, as an integral part of their examination process, periodically review the estimated credit losses on loans. Such agencies may require the bank subsidiary to recognize additional credit losses based on their judgments about information available to them at the time of their examination. Because of these factors, it is reasonably possible that the estimated credit losses on loans may change materially in the near term. However, the amount of the change that is reasonably possible cannot be estimated.

Loans that exhibit characteristics different from their pool characteristics are evaluated on an individual basis. Loans evaluated individually are not included in the collective ACL evaluation. When management determines that foreclosure is probable, or if certain of these loans are considered to be collateral dependent with the borrower experiencing financial difficulty, the Company elects the fair value of collateral practical expedient, whereby the allowance is calculated as the amount by which the amortized cost exceeds the fair value of collateral, less estimated costs to sell.

ACL (Off-Balance Sheet Credit Exposures) – The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The ACL for off-balance sheet credit exposures is adjusted through provision for credit losses. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The likelihood of funding is based on utilization rates, which are determined based on a two-year rolling average of historical usage. Expected loss rates for all pass rated loans are used to determine the ACL for off-balance sheet credit exposures. The ACL for off-balance sheet credit exposures is included in accrued expenses and other liabilities on the Consolidated Balance Sheets.

Acquired Loans – Loans that the Company acquires in connection with business combinations are recorded at fair value with no carryover of the acquired entity’s related ACL. The fair value of the acquired loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest, adjusted for estimated prepayments and credit losses. In accordance with Topic 326, the fair value adjustment is recorded as premium or discount to the unpaid principal balance of each acquired loan. In addition, the Company also records an ACL on each acquired loan.

Any acquired loans the Company determines have evidence of a more than insignificant deterioration in credit quality since origination, are considered to be purchase credit deteriorated (“PCD”) loans. The Company evaluates acquired loans for deterioration in credit quality based on any of, but not limited to, the following: (i) non-accrual status; (ii) risk rating, (iii) watchlist credits; and (iv) delinquency status. An ACL is determined using the same methodology as other individually evaluated loans. The sum of the PCD loan’s purchase price and ACL becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a non-credit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the ACL are recorded through provision for credit losses.

Mortgage Servicing Rights – When mortgage loans are sold with servicing retained, servicing rights are initially recorded at fair value with the income statement effect recorded in net gain on sale of loans. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates present value of estimated future servicing income.

Under the fair value measurement method, the Company measures servicing rights at fair value at each reporting date and reports changes in the fair value of servicing rights in earnings in the period in which the changes occur, and are included with Other mortgage banking income in the consolidated financial statements. The fair value of servicing rights is subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

Servicing fee income, which is reported in the consolidated financial statements as Other mortgage banking income, is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and recorded when income is earned. Servicing income was $3.8 million, $4.0 million, and $4.2 million for the years ended December 31, 2025, 2024, and 2023, respectively.

Transfers of Financial Assets – Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before maturity.

Loans Held for Sale – Loans held for sale are comprised of residential mortgage loans. Loans that are originated for best efforts delivery are carried at the lower of aggregate cost or fair value as determined by aggregate outstanding commitments from investors or current investor yield requirements. All other loans held for sale are carried at fair value under the fair value option. Loans sold are typically subject to certain indemnification provisions with the investor; management does not believe these provisions will have any significant consequences.

Premises and Equipment – Land is carried at cost. Buildings and equipment are carried at cost, less accumulated depreciation computed on the straight-line method. Buildings and improvements are depreciated on a useful life up to 40 years. Furniture and equipment are depreciated on a useful life between 3 to 10 years.

Foreclosed Assets – Assets acquired through, or in lieu of, loan foreclosure or repossession are held for sale and are initially recorded at fair value less estimated selling costs when acquired, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of the cost basis or fair value less estimated costs to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other noninterest expense.

Bank-Owned Life Insurance – The bank subsidiary has purchased life insurance policies on various officers and also is the beneficiary. These policies are issued by third party insurance companies. Assets are carried at the cash surrender value and changes in the cash surrender values are recognized in other noninterest income in the accompanying consolidated financial statements.

Goodwill and Other Intangible Assets – Goodwill resulting from business combinations is generally determined as the excess of the fair value of the consideration transferred over the fair value of the net assets acquired and liabilities assumed as of the acquisition date. Goodwill is not amortized, but is tested for impairment on October 31 of each year or more frequently if events and circumstances exist that indicate that an impairment test should be performed. There was no impairment recorded for the years ended December 31, 2025, 2024 and 2023.

Core deposit intangible (“CDI”) is a measure of the value of checking and savings deposit relationships acquired in a business combination. The fair value of the CDI stemming from any given business combination is based on the present value of the expected cost savings attributable to the core deposit funding relative to an alternative source of funding. CDI is amortized over the estimated useful lives of the existing deposit relationships acquired, but does not exceed 10 years. Substantially all CDI is amortized using the sum of the years’ digits method.

Mortgage Banking Derivatives – Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market, forward commitments for the future delivery of these mortgage loans, and forward sales of mortgage-backed securities are accounted for as free-standing derivatives. At the time of the interest rate lock, the Company determines whether the loan will be sold through a best efforts contract or a mandatory delivery contract. These mortgage banking derivatives are not designated in hedge relationships.

In order to hedge the change in interest rates resulting from the commitments to fund the loans that will be sold through a best efforts contract, the Company enters into forward loans sales commitments for the future delivery of mortgage loans when interest rate locks are entered. At inception, these interest rate locks and the related forward loan sales commitments, adjusted for the expected exercise of the commitment before the loan is funded, are recorded with a zero value. Subsequent changes in fair value are estimated based on changes in mortgage interest rates from the date the interest rate on the loan is locked.

In order to hedge the change in interest rates resulting from all other mortgage commitments to fund loans, the Company enters into forward sales of mortgage-backed securities contracts. At inception, these interest rate locks are recorded at fair value and are adjusted for the expected exercise of the commitment before the loan is funded. Subsequent changes in fair value are estimated based on changes in mortgage interest rates from the date the interest rate on the loan is locked. Changes in the fair values of these derivatives are included in net gain on sales of loans in the consolidated financial statements.

Derivatives – At the inception of a derivative contract, the Company designates the derivative as one of three types based on the Company’s intentions and belief as to likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“fair value hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedge”), or (3) an instrument with no hedging designation (“stand-alone derivative”). For a fair value hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in current earnings as fair values change. For a cash flow hedge, the gain or loss on the derivative is reported in OCI and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. For both types of hedges, changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings, as noninterest income.

Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in noninterest income. Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged.

The Company formally documents the relationship between derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions at the inception of the hedging relationship. This documentation includes linking fair value or cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair values or cash flows of the hedged items. The Company discontinues hedge accounting when it determines that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended.

When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded as noninterest income. When a fair value hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in OCI are amortized into earnings over the same periods which the hedged transactions will affect earnings.

Leases – The Company determines if an arrangement is a lease at inception. Operating leases with a term of greater than one year are included in other assets and other liabilities on the Company’s Consolidated Balance Sheets. Finance leases, if any, are included in premises and equipment and other liabilities on the Company’s Consolidated Balance Sheets. The Company has lease agreements with lease and nonlease components, which are generally accounted for as a single lease component. The Company has made an accounting policy election not to recognize short-term lease assets and liabilities (less than a 12-month term) or equipment leases (deemed not significant) on its Consolidated Balance Sheets; instead, the Company recognizes the lease expense for these leases on a straight-line basis over the life of the lease.

ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent its obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized on the lease commencement date based on the present value of lease payments over the lease term. As most of the Company’s leases do not provide an implicit rate, the Company uses an estimated incremental collateralized borrowing rate at lease inception, on a collateralized basis, over a similar term, when determining the present value of lease payments.

No significant judgments or assumptions were involved in developing the estimated operating lease liabilities as the Company’s operating lease liabilities largely represent the future rental expenses associated with operating leases, and the incremental borrowing rates are based on publicly available interest rates. The operating lease ROU asset also includes any lease payments made and excludes lease incentives. The Company’s lease terms may include options to extend or terminate the lease. These options to extend or terminate are assessed on a lease-by-lease basis, and the ROU assets and lease liabilities are adjusted when it is reasonably certain that an option will be exercised. Rental expense for lease payments is recognized on a straight-line basis over the lease term and is included in occupancy and equipment, net within our Consolidated Statements of Comprehensive Income.

Revenue Recognition – The majority of the Company’s revenues come from interest income and other sources, including loans, securities and derivatives, that are outside the scope of Topic 606. The Company’s services that fall within the scope of Topic 606 are presented within Noninterest Income and are recognized as revenue as the Company satisfies its obligation to the customer. Services within the scope of Topic 606 include service charges on deposit accounts, bank card services and interchange fees, investment commissions, fiduciary fees, and the sale of other real estate owned (“OREO”). Substantially all of the Company’s revenue is generated from contracts with customers. Noninterest income streams within the scope of Topic 606 are discussed below.

Service Charges on Deposit Accounts

The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which include services such as stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer’s request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer’s account balance.

Bank Card Services and Interchange Fees

The Company earns bank card service and interchange fees from debit and credit cardholder transactions conducted through card payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Bank card services income mainly represents fees charged to merchants to process their debit and credit card transactions, in addition to account management fees and service fees such as ATM use fees and are recognized at the time the transaction is executed.

Investment Commissions and Fiduciary Trust Fees

The Company earns investment commissions and fiduciary trust fees from its contracts with trust customers to manage assets for investment, and/or to transact on their accounts. These fees are primarily earned over time as the Company provides the contracted monthly or quarterly services and are generally assessed based on a tiered scale of the market value of assets under management (AUM) at month-end. Fees that are transaction based, including trade execution services, are recognized at the point in time that the transaction is executed, i.e., the trade date. Other related services provided include financial planning services and the fees the Company earns, which are based on a fixed fee schedule, are recognized when the services are rendered.

In addition, certain trust customers have contracted with the Company to provide trust dissolution services, which are based on a unitary management fee treated as a single performance obligation. The Company’s performance obligation is satisfied over time-based on the customer simultaneously receiving and consuming the benefits of the Company’s service. The unitary management fee is treated as variable consideration and is evaluated and included in the transaction price at the end of each reporting period (quarterly). Revenue is recognized based on a reasonable time-based measure of progress towards the Company’s complete satisfaction of the performance obligation at the end of each respective reporting period, with the unearned amount based on progress measure being included in deferred contract liability. This variable consideration and the amount of revenue recognized is evaluated quarterly until the Company has entirely fulfilled its performance obligation, at which time the remaining unearned revenue is recognized.

Gains/Losses on Sales of OREO

The Company records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When the Company finances the sale of OREO to the buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the OREO asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on the sale, the Company adjusts the transaction price and related gain (loss) on sale if a significant financing component is present.

Contract Balances

A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. The Company did not have any significant contract balances at December 31, 2025 and 2024.

Contract Acquisition Costs

In connection with the adoption of Topic 606, an entity is required to capitalize, and subsequently amortize into expense, certain incremental costs of obtaining a contract with a customer if these costs are expected to be recovered. The incremental costs of obtaining a contract are those costs that an entity incurs to obtain a contract with a customer that it would not have incurred if the contract had not been obtained (for example, sales commission). The Company utilizes the practical expedient which allows entities to immediately expense contract acquisition costs when the asset that would have resulted from capitalizing these costs would have been amortized in one year or less. Upon adoption of Topic 606, the Company did not capitalize any contract acquisition cost.

Stock-Based Compensation – The Company sponsors an equity incentive plan under which options to acquire shares of the Company’s common stock may be granted periodically to all full-time employees and directors of the Company or its affiliates at a specific exercise price. Shares are issued out of authorized and unissued common shares that have been reserved for issuance under such plan. Compensation cost is measured based on the estimated fair value of the award at the grant date and is recognized in earnings on a straight-line basis over the requisite service period. The fair value of stock options is estimated at the date of grant using a closed form option valuation (“Black-Scholes”) option pricing model. This model requires assumptions as to the expected stock volatility, dividends, terms and risk-free rates. The expected volatility is based on the combination of the Company’s historical volatility and the volatility of comparable peer banks. The expected term represents the period of time that options are expected to be outstanding from the grant date. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the time of grant for the appropriate life of each stock option.

Advertising – Advertising costs are recognized when incurred. Advertising costs during 2025, 2024, and 2023 were approximately $3.4 million, $3.3 million, and $2.9 million, respectively.

Income Taxes – The Company files a consolidated federal income tax return including the results of its wholly owned subsidiary, the Bank. The Company estimates income taxes payable based on the amount it expects to owe. Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities (excluding deferred tax assets and liabilities related to components of OCI). Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the expected amount most likely to be realized. Realization of deferred tax assets is dependent upon the generation of a sufficient level of future taxable income. Although realization is not assured, management believes it is more likely than not that all of the deferred tax assets will be realized. Interest and/or penalties related to income taxes are reported as a component of income tax expense.

A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.

The State of Texas franchise tax is an income tax for financial reporting purposes under GAAP and the Company and its subsidiaries are subject to the modified tax as a combined group.

Earnings per Share – Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period. Diluted earnings per share includes the dilutive effect of additional potential shares issuable under stock options. Earnings and dividends per share are restated for all stock splits and stock dividends through the date of issuance of the consolidated financial statements.

Fair Values of Financial Instruments – Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully described in Note 23. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect estimates.

Trust Assets – Custodial assets of City Bank’s trust department, other than cash on deposit at City Bank, if any, are not included in the accompanying consolidated financial statements because they are not assets of City Bank.

Accounting Changes and Recent Accounting Pronouncements – ASU 2016-13 Financial Instruments - Credit Losses (Topic 326). The FASB issued guidance to replace the incurred loss model with an expected loss model, which is referred to as the current expected credit loss (“CECL”) model. The CECL model is applicable to the measurement of credit losses on financial assets measured at amortized cost, including loan receivables and held to maturity debt securities. The CECL model also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in sales type and direct financing leases recognized by a lessor in accordance with Topic 842 on leases. In addition, Topic 326 made changes to the accounting for securities available for sale. One such change is to require credit losses to be presented as an allowance rather than as a write-down on securities available for sale management does not intend to sell or believes that it is more likely than not they will be required to sell. The Company adopted the CECL model effective January 1, 2023 using the modified retrospective approach. As a result, the Company recognized a one-time, after tax cumulative effect adjustment of $997 thousand that reduced retained earnings, increased the ACL for loans by approximately $100 thousand and increased the ACL for off-balance sheet credit exposures by approximately $1.2 million.

The Company made the following policy elections related to the adoption of the CECL model. First, accrued interest will be written off against interest income when financial assets are placed into nonaccrual status. Therefore, accrued interest will be excluded from the amortized cost basis for purposes of calculating the ACL. Accrued interest receivable is presented in a separate line item in the Consolidated Balance Sheets. Second, the fair value of collateral practical expedient has been elected on certain loans in determining the ACL, for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty.

The impact on the ACL resulting from the adoption of the CECL model is shown below.

(Dollars in thousands)	January 1, 2023
	Pre-Adoption		Impact of Adoption			Post-Adoption
	Pre-Adoption		Impact of Adoption			Post-Adoption
Commercial real estate	$	13,029	$	827		$	13,856
Commercial – specialized		3,425		33			3,458
Commercial - general		9,215		(2,574	)		6,641
Consumer:
1-4 family residential		6,194		1,700			7,894
Auto loans		3,926		(332	)		3,594
Other consumer		1,376		(235	)		1,141
Construction		2,123		683			2,806

Total allowance for credit losses on loans	$	39,288	$	102		$	39,390

Allowance for credit losses for off-balance sheet exposures	$	580	$	1,160		$	1,740

ASU 2022-02 Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. This ASU eliminates guidance for troubled debt restructurings by creditors and enhances disclosure requirements for certain loan modifications by creditors for borrowers experiencing financial distress. This ASU defines types of modifications as principal forgiveness, interest rate reduction, other than insignificant payment delays, or a term extension. In addition, the ASU requires disclosure of current-period gross charge-offs, by year of origination, in the vintage disclosure. The Company adopted the provisions of ASU 2022-02 as of January 1, 2023 on a prospective basis. The adoption of this amendment did not have a material impact on the consolidated financial statements.

ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848. ASU 2022-06 extended the period of time preparers can utilize the reference rate reform relief guidance provided by ASU 2020-04 and ASU 2021-01. ASU 2022-06, which was effective upon issuance, deferred the sunset date of this prior guidance from December 31, 2022 to December 31, 2024, after which entities will no longer be permitted to apply the relief guidance in Topic 848. The adoption of ASU 2022-06 did not significantly impact the consolidated financial statements and the Company has fully transitioned all products tied to LIBOR.

ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The amendments in this Update require public entities to disclose information about reportable segments’ significant expenses on an interim and annual basis. This update is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The adoption of ASU 2023-07 did not have a material effect on the Company’s consolidated financial statements.

ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments in this Update 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 results of operations or financial position.

ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The amendments in this Update 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 update was effective for fiscal years beginning after December 15, 2024. ASU 2023-09 was adopted using the retrospective method and did not have a material effect on the Company’s consolidated 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 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 consolidated financial statements.

ASU 2025-08 Financial Instruments - Credit Losses (Topic 326): Purchased Loans. This ASU amends the guidance in ASC 326 on the accounting for certain purchased loans. Under the ASU, entities must account for acquired loans (excluding credit cards) that meet certain criteria at acquisition (“purchased seasoned loans”) by recognizing them at their purchase price plus an allowance for expected credit losses (the "gross-up" approach). The ASU’s amendments align the accounting for purchased seasoned loans with the treatment of financial assets purchased with more-than-insignificant credit deterioration since origination (“PCD assets”). Purchased seasoned loans are defined under the ASU as non-PCD loans that are obtained in a business combination, or non-PCD loans that 1) are obtained in an asset acquisition or upon consolidation of a variable interest entity that is not a business and 2) are acquired more than 90 days after their origination date by a transferee that was not involved in their origination. The ASU also introduces an accounting policy election related to the subsequent measurement of expected credit losses for entities that use a method other than a discounted cash flow analysis to estimate credit losses on purchased seasoned loans. If this accounting policy is elected, entities can use the amortized cost basis of the asset to subsequently measure their credit loss allowance. Accordingly, they can aggregate purchased and originated loans when adjusting estimates of credit losses for assets that share similar risk characteristics. This update is effective for annual reporting periods beginning after December 15, 2026, including interim reporting periods, and the adoption of the ASU must be applied prospectively. Early adoption is permitted in an interim or annual reporting period in which financial statements have not yet been issued or made available for issuance. An entity that adopts the amendments in an interim reporting period may apply them “as of the beginning of that interim reporting period or the beginning of the annual reporting period that includes that interim reporting period.” The Company expects to early adopt ASU 2025-08 and is currently evaluating the impact from adoption.

ASU 2025-11 Interim Reporting (Topic 270): Narrow-Scope Improvements. This ASU is intended to improve the navigability of the guidance in ASC 270 and clarify when it applies. Under the amendments, an entity is subject to ASC 270 if it provides “interim financial statements and notes in accordance with GAAP.” The ASU also addresses the form and content of such financial statements, adds lists to ASC 270 of the interim disclosures required by all other Codification topics, and establishes a principle under which an entity must “disclose events since the end of the last annual reporting period that have a material impact on the entity.” As the Board stated in the proposed guidance and reiterates in the ASU, the amendments are not intended to “change the fundamental nature of interim reporting or expand or reduce current interim disclosure requirements.” This update is effective for interim reporting periods within annual reporting periods beginning after December 15, 2027, early adoption is permitted. The amendments in this ASU are not expected to have a material impact on the results of operations or financial position.

Subsequent Events – The Company has evaluated subsequent events and transactions from December 31, 2025 through the date this Form 10-K was filed with the SEC for potential recognition or disclosure as required by GAAP.

SUBSEQUENT EVENTS	12 Months Ended
SUBSEQUENT EVENTS	Dec. 31, 2025
SUBSEQUENT EVENTS [Abstract]
SUBSEQUENT EVENTS	24. SUBSEQUENT EVENTS Dividend Declaration On January 22, 2026, the Company declared a cash dividend of $0.17 per share of common stock to be paid on February 17, 2026 to all shareholders of record as of the close of business on February 2, 2026.

PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION - Condensed Statements of Cash Flows (Details) - South Plains Financial, Inc. [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Cash flows from operating activities:
Net income	$ 58,471	$ 49,717	$ 62,745
Adjustments:
Equity in undistributed subsidiary income	(15,193)	(25,259)	(34,932)
Amortization of debt issuance costs	139	186	186
Stock based compensation	2,624	2,318	2,157
Change in other assets	(1,976)	3,532	(3,378)
Change in other liabilities	347	(1,552)	1,004
Net cash from operating activities	44,412	28,942	27,782
Cash flows from financing activities:
Repayments of long-term borrowings	(50,000)	0	(12,372)
Proceeds from common stock issuance	451	0	0
Payments to tax authorities for stock-based compensation	(933)	(759)	(731)
Payments to repurchase common stock	(8,526)	(1,340)	(17,763)
Cash dividends paid on common stock	(10,101)	(9,154)	(8,745)
Net cash from financing activities	(69,109)	(11,253)	(39,611)
Net change in cash and cash equivalents	(24,697)	17,689	(11,829)
Beginning cash and cash equivalents	104,856	87,167	98,996
Ending cash and cash equivalents	$ 80,159	$ 104,856	$ 87,167

CAPITAL AND REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 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 Fully Phased-In					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2025:
Total Capital to Risk Weighted Assets:
Consolidated	$	622,485		17.26	%	$	378,645		10.50	%		N/A		N/A
City Bank		537,444		14.91	%		378,576		10.50	%	$	360,549		10.00	%

Tier I Capital to Risk Weighted Assets:
Consolidated		566,107		15.70	%		306,522		8.50	%		N/A		N/A
City Bank		492,355		13.66	%		306,466		8.50	%		288,439		8.00	%

Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		521,107		14.45	%		252,430		7.00	%		N/A		N/A
City Bank		492,355		13.66	%		252,384		7.00	%		234,357		6.50	%

Tier I Capital to Average Assets:
Consolidated		566,107		12.53	%		181,591		4.00	%		N/A		N/A
City Bank		492,355		10.90	%		181,512		4.00	%		225,868		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 I 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 I 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	%

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

- 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

FAIR VALUE DISCLOSURES (Tables)

12 Months Ended

Dec. 31, 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
December 31, 2025
Assets (liabilities) measured at fair value on a recurring basis:
Securities available for sale:
State and municipal	$	—	$	176,305		$	—	$	176,305
Residential mortgage-backed securities		—		260,760			—		260,760
Commercial mortgage-backed securities		—		44,786			—		44,786
Commercial collateralized mortgage obligations		—		67,597			—		67,597
Asset-backed and other amortizing securities		—		13,132			—		13,132
Other securities		—		4,960			—		4,960
Loans held for sale (mandatory)		—		7,796			—		7,796
Mortgage servicing rights		—		—			24,041		24,041
Asset derivatives		—		9,970			—		9,970
Liability derivatives		—		(65	)		—		(65	)

Assets measured at fair value on a non-recurring basis:
Loans held for investment		—		—			5,515		5,515

	Level 1		Level 2			Level 3		Total
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 ad Non-Recurring Level 3 Fair Value Measurements

The following table presents quantitative information about recurring and non-recurring Level 3 fair value measurements at December 31 (dollars in thousands):

	Fair Value		Valuation Techniques	Unobservable Inputs	Range of Discounts
December 31, 2025
Non-recurring
Loans held for investment	$	5,515	Third party appraisals or inspections	Collateral discounts and selling costs		20%-60	%
Recurring:
Mortgage servicing rights		24,041	Discounted cash flows	Constant prepayment rate		8.81	%
				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

	Carrying Amount		Level 1		Level 2		Level 3		Total
December 31, 2025
Financial assets:
Cash and cash equivalents	$	552,439	$	552,439	$	—	$	—	$	552,439
Loans held for investment, net		3,099,371		—		—		3,082,072		3,082,072
Loans held for sale (best efforts)		2,197		—		2,237		—		2,237
Accrued interest receivable		20,931		—		20,931		—		20,931

Financial liabilities:
Deposits		3,874,077		—		3,873,806		—		3,873,806
Accrued interest payable		5,014		—		5,014		—		5,014
Junior subordinated deferrable interest debentures		46,393		—		35,213		—		35,213
Subordinated debt		14,100		—		13,907		—		13,907

	Carrying Amount		Level 1		Level 2		Level 3		Total
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

CAPITAL AND REGULATORY MATTERS - Bank Subsidiary’s Actual Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Consolidated [Member]
Total Capital to Risk Weighted Assets:
Actual, Amount	$ 622,485	$ 631,713
Actual, Ratio	0.1726	0.1786
Minimum Required Under BASEL III Fully Phased In, Amount	$ 378,645	$ 371,426
Minimum Required Under BASEL III Fully Phased In, Ratio	0.105	0.105
Tier I Capital to Risk Weighted Assets:
Actual, Amount	$ 566,107	$ 523,535
Actual, Ratio	0.157	0.148
Minimum Required Under BASEL III Fully Phased In, Amount	$ 306,522	$ 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	$ 521,107	$ 478,535
Actual, Ratio	0.1445	0.1353
Minimum Required Under BASEL III Fully Phased In, Amount	$ 252,430	$ 247,617
Minimum Required Under BASEL III Fully Phased In, Ratio	0.07	0.07
Tier I Capital to Average Assets:
Actual, Amount	$ 566,107	$ 523,535
Actual, Ratio	0.1253	0.1204
Minimum Required Under BASEL III Fully Phased In, Amount	$ 181,591	$ 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	$ 537,444	$ 520,788
Actual, Ratio	0.1491	0.1473
Minimum Required Under BASEL III Fully Phased In, Amount	$ 378,576	$ 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	$ 360,549	$ 353,667
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.10	0.10
Tier I Capital to Risk Weighted Assets:
Actual, Amount	$ 492,355	$ 476,574
Actual, Ratio	0.1366	0.1348
Minimum Required Under BASEL III Fully Phased In, Amount	$ 306,466	$ 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	$ 288,439	$ 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	$ 492,355	$ 476,574
Actual, Ratio	0.1366	0.1348
Minimum Required Under BASEL III Fully Phased In, Amount	$ 252,384	$ 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	$ 234,357	$ 229,884
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.065	0.065
Tier I Capital to Average Assets:
Actual, Amount	$ 492,355	$ 476,574
Actual, Ratio	0.109	0.1096
Minimum Required Under BASEL III Fully Phased In, Amount	$ 181,512	$ 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	$ 225,868	$ 217,336
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.05	0.05

DEPOSITS

12 Months Ended

Dec. 31, 2025

DEPOSITS [Abstract]

DEPOSITS

10. DEPOSITS

Time deposits that met or exceeded the Federal Deposit Insurance Corporation (“FDIC”) Insurance limit of $250,000 were $200.6 million and $208.8 million at December 31, 2025 and 2024, respectively.

The scheduled maturities of time deposits at December 31, 2025 follows (dollars in thousands):

2026	$	411,974
2027		11,066
2028		4,339
2029		1,776
2030		2,208
Thereafter		72
	$	431,435

LEASES - Maturities of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
LEASES [Abstract]
2026	$ 1,621
2027	1,498
2028	1,320
2029	1,151
2030	844
Thereafter	3,669
Total minimum lease payments	10,103
Less: Amount representing interest	(2,170)
Lease liabilities	$ 7,933	$ 8,906

GOODWILL AND INTANGIBLES - Other Intangible Assets (Details) - Core Deposit Intangible [Member] - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
GOODWILL AND INTANGIBLES [Abstract]
Other intangible assets, gross	$ 6,679	$ 6,679
Less: Accumulated amortization	(5,546)	(4,959)
Other intangible assets, net	$ 1,133	$ 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.

+ References

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+ 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	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
LOANS HELD FOR INVESTMENT [Abstract]
Total % class of financing receivable	0.22%	0.12%
Nonaccrual	$ 4,093	$ 1,588
30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	1,332	228
90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	142
Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	41	409
Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	1,712	493
Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	403	818
Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	4,787	1,868
Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	30	29
Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 10	$ 47
Commercial Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total % class of financing receivable	0.07%	0.01%
Nonaccrual	$ 0	$ 0
Weighted-average interest rate reduction	0.00%	0.00%
Weighted-average term extension	9 months	12 months
Commercial Real Estate [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 725	$ 74
Commercial Real Estate [Member] \| 90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Commercial Real Estate [Member] \| Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	74
Commercial Real Estate [Member] \| Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	124	65
Commercial Real Estate [Member] \| Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Commercial Real Estate [Member] \| Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	601	0
Commercial Real Estate [Member] \| Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Commercial Real Estate [Member] \| Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] \| Specialized [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total % class of financing receivable	0.02%	0.00%
Nonaccrual	$ 95	$ 13
Weighted-average interest rate reduction	0.00%	0.00%
Weighted-average term extension	11 months
Commercial [Member] \| Specialized [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] \| Specialized [Member] \| 90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Commercial [Member] \| Specialized [Member] \| Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	13
Commercial [Member] \| Specialized [Member] \| Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Commercial [Member] \| Specialized [Member] \| Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Commercial [Member] \| Specialized [Member] \| Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	95	0
Commercial [Member] \| Specialized [Member] \| Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Commercial [Member] \| Specialized [Member] \| Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] \| General [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total % class of financing receivable	0.81%	0.09%
Nonaccrual	$ 3,998	$ 0
Weighted-average interest rate reduction	9.10%	0.82%
Weighted-average term extension	7 months	14 months
Commercial [Member] \| General [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 577	$ 59
Commercial [Member] \| General [Member] \| 90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	82
Commercial [Member] \| General [Member] \| Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Commercial [Member] \| General [Member] \| Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	900	428
Commercial [Member] \| General [Member] \| Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	403	0
Commercial [Member] \| General [Member] \| Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	4,048	11
Commercial [Member] \| General [Member] \| Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	29
Commercial [Member] \| General [Member] \| Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 7	$ 47
Consumer [Member] \| 1-4 Family [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total % class of financing receivable	0.03%	0.09%
Nonaccrual	$ 0	$ 0
Weighted-average interest rate reduction	0.25%	0.00%
Weighted-average term extension	3 months	10 months
Consumer [Member] \| 1-4 Family [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] \| 1-4 Family [Member] \| 90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	60
Consumer [Member] \| 1-4 Family [Member] \| Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	322
Consumer [Member] \| 1-4 Family [Member] \| Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	131	0
Consumer [Member] \| 1-4 Family [Member] \| Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| 1-4 Family [Member] \| Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	187
Consumer [Member] \| 1-4 Family [Member] \| Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	30	0
Consumer [Member] \| 1-4 Family [Member] \| Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] \| Auto Loans [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total % class of financing receivable	0.04%	0.00%
Nonaccrual	$ 0	$ 0
Weighted-average interest rate reduction	1.20%	0.00%
Weighted-average term extension	18 months
Consumer [Member] \| Auto Loans [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 30	$ 0
Consumer [Member] \| Auto Loans [Member] \| 90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| Auto Loans [Member] \| Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	41	0
Consumer [Member] \| Auto Loans [Member] \| Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	30	0
Consumer [Member] \| Auto Loans [Member] \| Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| Auto Loans [Member] \| Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	29	0
Consumer [Member] \| Auto Loans [Member] \| Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| Auto Loans [Member] \| Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 3	$ 0
Consumer [Member] \| Other Consumer [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total % class of financing receivable	0.02%	0.00%
Nonaccrual	$ 0	$ 0
Weighted-average interest rate reduction	0.00%	0.00%
Weighted-average term extension	5 months
Consumer [Member] \| Other Consumer [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] \| Other Consumer [Member] \| 90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| Other Consumer [Member] \| Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| Other Consumer [Member] \| Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| Other Consumer [Member] \| Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| Other Consumer [Member] \| Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	14	0
Consumer [Member] \| Other Consumer [Member] \| Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Consumer [Member] \| Other Consumer [Member] \| Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0
Construction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Total % class of financing receivable	0.53%	2.40%
Nonaccrual	$ 0	$ 1,575
Weighted-average interest rate reduction	0.00%	4.25%
Weighted-average term extension	3 months	5 months
Construction [Member] \| 30-89 Days Past Due [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 95
Construction [Member] \| 90 Days or More Past Due and Still Accruing [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Construction [Member] \| Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Construction [Member] \| Term Extension [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	527	0
Construction [Member] \| Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	818
Construction [Member] \| Term Extension and Payment Delay [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	1,670
Construction [Member] \| Term Extension and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	0	0
Construction [Member] \| Payment Delay, Term Extension, and Interest Rate Reduction [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified	$ 0	$ 0

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Changes in Accumulated Other Comprehensive Income (Loss) by Component, Net of Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Balance	$ 438,949	$ 407,114	$ 357,014
Other comprehensive income (loss) before reclassification	12,902	(8,947)	10,741
Amounts reclassified from other comprehensive	0	0	2,693
Other comprehensive income (loss)	12,902	(8,947)	13,434
Balance	493,837	438,949	407,114
Gains and (Losses) on Fair Value Hedges [Member]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Balance	11,881	13,160	16,072
Other comprehensive income (loss) before reclassification	(4,271)	(1,279)	(2,912)
Amounts reclassified from other comprehensive	0	0	0
Other comprehensive income (loss)	(4,271)	(1,279)	(2,912)
Balance	7,610	11,881	13,160
Unrealized Gains and (Losses) on Securities Available for Sale [Member]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Balance	(72,502)	(64,834)	(81,180)
Other comprehensive income (loss) before reclassification	17,173	(7,668)	13,653
Amounts reclassified from other comprehensive	0	0	2,693
Other comprehensive income (loss)	17,173	(7,668)	16,346
Balance	(55,329)	(72,502)	(64,834)
Accumulated Other Comprehensive Income (Loss) [Member]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Balance	(60,621)	(51,674)	(65,108)
Amounts reclassified from other comprehensive	0	0	2,693
Other comprehensive income (loss)	12,902	(8,947)	13,434
Balance	$ (47,719)	$ (60,621)	$ (51,674)

- 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 815
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480870/815-30-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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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 12: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

- Definition

Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
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-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

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+ Details

LEASES

12 Months Ended

Dec. 31, 2025

LEASES [Abstract]

LEASES

7. LEASES

Lessee Arrangements

The Company leases space, primarily for branch facilities and small equipment under operating leases. The Company’s leases often include one or more options to renew at the Company’s discretion, and some of the Company’s leases include options to terminate within one year. When it is reasonably certain that the Company will exercise the option to renew or extend the lease term, that option is included in estimating the value of the ROU asset and lease liability. The Company’s leases contain customary restrictions and covenants and do not contain any residual value guarantees. The Company has certain intercompany leases and subleases between its subsidiaries, and these transactions and balances have been eliminated in consolidation and are not reflected in the tables and information presented below. As of December 31, 2025 and 2024, the Company had no finance leases.

The balance sheet components of the Company’s leases at year-end are as follows (in thousands):


	December 31, 2025		December 31, 2024
Operating lease right of use assets (included in Other assets)	$	6,961	$	7,968
Operating lease liabilities (included in Accrued expenses and other liabilities)		7,933		8,906

The Company does not generally enter into leases which contain variable payments, other than due to the passage of time. Operating lease costs, including short-term lease costs were $2.4 million, $2.4 million and $2.9 million, respectively, for the years ended December 31, 2025, 2024 and 2023, respectively.

Supplemental cash flow information related to leases is as follows (in thousands):

	Year Ended December 31,
	2025		2024
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows used in operating leases	$	1,685	$	1,906
Right-of-use assets obtained in exchange for new lease obligations:
Operating leases	$	237	$	636

For operating leases, the Company’s weighted average remaining lease terms and weighted average discount rate was 8.79 years and 5.65%, respectively, as of December 31, 2025, and 9.22 years and 5.64%, respectively, as of December 31, 2024.

Future undiscounted lease payments at December 31, 2025, under operating lease agreements, are presented below (in thousands).

2026	$	1,621
2027		1,498
2028		1,320
2029		1,151
2030		844
Thereafter		3,669
Total minimum lease payments		10,103
Less: Amount representing interest		(2,170	)
Lease liabilities	$	7,933

As of December 31, 2025, the Company had no significant additional operating leases that have not yet commenced.

Lessor Arrangements

The Company leases certain facilities and office space under operating lease agreements to outside parties. Operating lease income for the years ended December 31, 2025, 2024, and 2023 was $895 thousand, $883 thousand, and $839 thousand, respectively, and is included in occupancy and equipment, net in the Consolidated Statements of Comprehensive Income.

STOCK-BASED COMPENSATION (Tables)

12 Months Ended

Dec. 31, 2025

STOCK-BASED COMPENSATION [Abstract]

Summary of Stock Option Activity

A summary of activity in the Plan during the year 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
Year Ended December 31, 2025
Outstanding at beginning of year:		1,175,787		$	17.83
Granted		30,024			34.01
Exercised		(129,138	)		12.54
Forfeited		—			—
Expired		—			—

Balance at end of year		1,076,673		$	18.92		4.04	$	21,406

Exercisable at end of period		1,010,403		$	18.13		3.77	$	20,888

Vested at end of period		1,010,403		$	18.13		3.77	$	20,888

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:

		Year Ended December 31,
		2025			2024			2023
Expected volatility		41.21	%		40.45	%		39.13% to 39.68%
Expected dividend yield		1.80	%		1.80	%		1.74% to 1.90%
Expected term (years)		6.1			6.1			6.1 to 6.3
Risk-free interest rate		4.43	%		3.94	%		3.91% to 3.98%
Weighted average grant date fair value	$	13.35		$	11.10		$	10.26

Summary of Activity of Restricted Stock Units

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

	Number of Shares			Weighted-Average Grant Date Fair Value
Year Ended December 31, 2025
Outstanding at beginning of year:		187,895		$	26.51
Granted		73,488			34.30
Exercised		(18,271	)		29.86
Forfeited		(2,077	)		28.99

Balance at end of year		241,035		$	28.60

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 during is presented below:

	Year Ended December 31,
	2025			2024
Expected volatility		29.24	%		31.31	%
Expected dividend yield		1.78	%		1.89	%
Expected term (years)		0.5			0.5
Risk-free interest rate		4.12	%		5.02	%

SECURITIES (Tables)

12 Months Ended

Dec. 31, 2025

SECURITIES [Abstract]

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

The amortized cost, related gross unrealized gains and losses, allowance for credit losses, and estimated fair value of securities available for sale at year-end follows (dollars in thousands):

	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Allowance for Credit Losses		Fair Value
December 31, 2025
Available for sale:
State and municipal	$	199,417	$	388	$	(23,500	)	$	—	$	176,305
Residential mortgage-backed securities		302,711		130		(42,081	)		—		260,760
Commercial mortgage-backed securities		48,769		—		(3,983	)		—		44,786
Commercial collateralized mortgage obligations		67,708		77		(188	)		—		67,597
Asset-backed and other amortizing securities		13,972		—		(840	)		—		13,132
Other securities		5,000		—		(40	)		—		4,960
	$	637,577	$	595	$	(70,632	)	$	—	$	567,540

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

	Available for Sale
	Amortized Cost		Fair Value
Within 1 year	$	545	$	546
After 1 year through 5 years		10,080		9,985
After 5 years through 10 years		12,841		12,185
After 10 years		180,951		158,549
Declining-balance securities		433,160		386,275
	$	637,577	$	567,540

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

	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
December 31, 2025
State and municipal	$	205	$	—	$	165,618	$	23,500	$	165,823	$	23,500
Residential mortgage-backed securities		3,132		48		249,710		42,033		252,842		42,081
Commercial mortgage-backed securities		3,503		7		41,284		3,976		44,787		3,983
Commercial collateralized mortgage obligations		63,210		188		—		—		63,210		188
Asset-backed and other amortizing securities		—		—		13,132		840		13,132		840
Other securities		—		—		4,961		40		4,961		40
	$	70,050	$	243	$	474,705	$	70,389	$	544,755	$	70,632

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
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-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
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Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
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+ Details

STOCK-BASED COMPENSATION - Restricted Stock Awards and Units (Details) - Restricted Stock Units [Member]	12 Months Ended
	Dec. 31, 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
Exercised (in Shares) \| shares	(18,271)
Exercised (in Dollars per share) \| $ / shares	$ 29.86
Forfeited (in Shares) \| shares	(2,077)
Forfeited (in Dollars per share) \| $ / shares	$ 28.99
Outstanding at end of year (in Shares) \| shares	241,035
Outstanding at end of year (in Dollars per share) \| $ / shares	$ 28.6

PREMISES AND EQUIPMENT (Tables)

12 Months Ended

Dec. 31, 2025

PREMISES AND EQUIPMENT [Abstract]

Premises and Equipment

Detail of premises and equipment at year-end follows (dollars in thousands):

	December 31,
	2025			2024
Land	$	9,304		$	9,514
Buildings and improvements		66,476			66,707
Furniture and equipment		48,435			47,166
Construction in process		2,422			1,365
		126,637			124,752
Less accumulated depreciation		(75,074	)		(71,801	)
Premises and equipment, net	$	51,563		$	52,951

GOODWILL AND INTANGIBLES (Tables)

12 Months Ended

Dec. 31, 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):

	December 31,
	2025			2024
Amortized intangible assets:
Core deposit intangible	$	6,679		$	6,679
Less: Accumulated amortization		(5,546	)		(4,959	)
Other intangible assets, net	$	1,133		$	1,720

Estimated Amount of Amortization Expense to Be Recognized over Next Five Years

The estimated amount of amortization expense for core deposit intangibles to be recognized over the next five years is as follows (dollars in thousands):

2026	$	465
2027		344
2028		223
2029		101
2030		—

SEGMENT INFORMATION	12 Months Ended
SEGMENT INFORMATION	Dec. 31, 2025
SEGMENT INFORMATION [Abstract]
SEGMENT INFORMATION	21. 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

INCOME TAXES (Details)	12 Months Ended
INCOME TAXES (Details)	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
INCOME TAXES [Abstract]
Federal statutory rate	21.00%	21.00%	21.00%
Tax Jurisdiction of Domicile [Extensible Enumeration]	United States

LEASES - Balance Sheet Components of Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
LEASES [Abstract]
Operating lease right of use assets (included in Other assets)	$ 6,961	$ 7,968
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Operating lease liabilities (included in Accrued expenses and other liabilities)	$ 7,933	$ 8,906
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities

STOCK-BASED COMPENSATION - Employee Stock Purchase Plan (Details) - ESPP [Member]	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
STOCK-BASED COMPENSATION [Abstract]
Expected volatility	29.24%	31.31%
Expected dividend yield	1.78%	1.89%
Expected term (years)	6 months	6 months
Risk-free interest rate	4.12%	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.

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-Section 50
-Paragraph 2
-Subparagraph (c)(1)(iv)(04)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(i)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
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Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Subparagraph (c)(2)(iii)
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
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-Paragraph 2
-Subparagraph (c)(2)(iii)(03)
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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (e)(1)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (e)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

+ Details

RELATED-PARTY TRANSACTIONS	12 Months Ended
RELATED-PARTY TRANSACTIONS	Dec. 31, 2025
RELATED-PARTY TRANSACTIONS [Abstract]
RELATED-PARTY TRANSACTIONS	15. RELATED-PARTY TRANSACTIONS Direct and indirect loans to executive officers, directors, significant stockholders and their related affiliates as of December 31, 2025 and 2024 aggregated approximately $48.9 million and $44.3 million, respectively. There were no charge-offs related to these loans in 2025 or 2024 and any advance and repayment activity was routine. Deposits from these related parties in the consolidated financial statements were not significant.

- Definition

The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-5

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-6

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(g)(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(c))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(e))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-Name Accounting Standards Codification
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-URI https://asc.fasb.org/850/tableOfContent

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-6

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

+ Details

INCOME TAXES - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
INCOME TAXES [Abstract]
Federal statutory rate times financial statement income, amount	$ 15,555	$ 13,291	$ 16,678
Federal statutory rate times financial statement income, percent	21.00%	21.00%	21.00%
Effect of:
Tax-exempt income, amount	$ (718)	$ (701)	$ (836)
Tax-exempt income, percent	(1.00%)	(1.10%)	(1.10%)
State taxes, net of federal benefit, amount	$ 411	$ 348	$ 301
State taxes, net of federal benefit, percent	0.60%	0.60%	0.40%
Earnings from bank owned life insurance, amount	$ (343)	$ (326)	$ (279)
Earnings from bank owned life insurance, percent	(0.50%)	(0.50%)	(0.40%)
Non-deductible expenses, amount	$ 499	$ 648	$ 675
Non-deductible expenses, percent	0.70%	1.00%	0.80%
Other, net, amount	$ 198	$ 315	$ 133
Other, net, percent	0.30%	0.50%	0.20%
Total	$ 15,602	$ 13,575	$ 16,672
Total, percent	21.10%	21.50%	20.90%

MORTGAGE SERVICING RIGHTS - Key Assumptions Used in Measuring Fair Value of Mortgage Servicing Rights (Details)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
MORTGAGE SERVICING RIGHTS [Abstract]
Weighted average constant prepayment rate	8.81%	7.16%
Weighted average discount rate	9.70%	10.17%
Weighted average life in years	7 years 5 months 4 days	8 years 1 month 2 days

MORTGAGE SERVICING RIGHTS (Tables)

12 Months Ended

Dec. 31, 2025

MORTGAGE SERVICING RIGHTS [Abstract]

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

	Year Ended December 31,
	2025			2024			2023
Beginning balance	$	26,292		$	26,569		$	27,474
Additions		1,080			958			1,470
Valuation adjustment		(3,331	)		(1,235	)		(2,375	)
Ending balance	$	24,041		$	26,292		$	26,569

	December 31,
	2025			2024
Mortgage loans serviced for others	$	1,810,579		$	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:

	December 31,
	2025			2024
Weighted average constant prepayment rate		8.81	%		7.16	%
Weighted average discount rate		9.70	%		10.17	%
Weighted average life in years		7.43			8.09

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Millions	12 Months Ended
PREMISES AND EQUIPMENT (Details) - USD ($) $ in Millions	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
PREMISES AND EQUIPMENT [Abstract]
Depreciation expense	$ 5.1	$ 5.3	$ 5.1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Impact on ACL from Adoption of CECL (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans	$ 45,131	$ 43,237	$ 42,356	$ 39,288
Allowance for credit losses for off-balance sheet exposures				580
Commercial Real Estate [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans	15,214	15,973	15,808	13,029
Commercial [Member] \| Specialized [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans	5,231	4,640	4,020	3,425
Commercial [Member] \| General [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans	7,448	6,874	6,391	9,215
Consumer [Member] \| 1-4 Family Residential [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans	11,103	9,677	9,177	6,194
Consumer [Member] \| Auto Loans [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans	3,033	3,015	3,601	3,926
Consumer [Member] \| Other Consumer [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans	1,150	1,115	968	1,376
Construction [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans	$ 1,952	$ 1,943	2,391	2,123
Impact of Adoption [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans			102
Impact of Adoption [Member] \| Commercial Real Estate [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans			827
Impact of Adoption [Member] \| Commercial [Member] \| Specialized [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans			33
Impact of Adoption [Member] \| Commercial [Member] \| General [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans			(2,574)
Impact of Adoption [Member] \| Consumer [Member] \| 1-4 Family Residential [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans			1,700
Impact of Adoption [Member] \| Consumer [Member] \| Auto Loans [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans			(332)
Impact of Adoption [Member] \| Consumer [Member] \| Other Consumer [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans			(235)
Impact of Adoption [Member] \| Construction [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans			$ 683
Impact of Adoption [Member] \| ASU 2016-13 [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				102
Allowance for credit losses for off-balance sheet exposures				1,160
Impact of Adoption [Member] \| ASU 2016-13 [Member] \| Commercial Real Estate [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				827
Impact of Adoption [Member] \| ASU 2016-13 [Member] \| Commercial [Member] \| Specialized [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				33
Impact of Adoption [Member] \| ASU 2016-13 [Member] \| Commercial [Member] \| General [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				(2,574)
Impact of Adoption [Member] \| ASU 2016-13 [Member] \| Consumer [Member] \| 1-4 Family Residential [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				1,700
Impact of Adoption [Member] \| ASU 2016-13 [Member] \| Consumer [Member] \| Auto Loans [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				(332)
Impact of Adoption [Member] \| ASU 2016-13 [Member] \| Consumer [Member] \| Other Consumer [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				(235)
Impact of Adoption [Member] \| ASU 2016-13 [Member] \| Construction [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				683
Post-Adoption [Member] \| ASU 2016-13 [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				39,390
Allowance for credit losses for off-balance sheet exposures				1,740
Post-Adoption [Member] \| ASU 2016-13 [Member] \| Commercial Real Estate [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				13,856
Post-Adoption [Member] \| ASU 2016-13 [Member] \| Commercial [Member] \| Specialized [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				3,458
Post-Adoption [Member] \| ASU 2016-13 [Member] \| Commercial [Member] \| General [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				6,641
Post-Adoption [Member] \| ASU 2016-13 [Member] \| Consumer [Member] \| 1-4 Family Residential [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				7,894
Post-Adoption [Member] \| ASU 2016-13 [Member] \| Consumer [Member] \| Auto Loans [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				3,594
Post-Adoption [Member] \| ASU 2016-13 [Member] \| Consumer [Member] \| Other Consumer [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				1,141
Post-Adoption [Member] \| ASU 2016-13 [Member] \| Construction [Member]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Total allowance for credit losses on loans				$ 2,806

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES - Financial Instruments Whose Contract Amounts Represent Credit Risk Outstanding (Details) - USD ($) $ in Thousands	Dec. 31, 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	$ 554,286	$ 537,688
Standby Letters-of-Credit [Member]
OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES [Abstract]
Financial instruments whose contract amounts represent credit risk outstanding	$ 30,681	$ 18,696

PREMISES AND EQUIPMENT

12 Months Ended

Dec. 31, 2025

PREMISES AND EQUIPMENT [Abstract]

PREMISES AND EQUIPMENT

6. PREMISES AND EQUIPMENT

Detail of premises and equipment at year-end follows (dollars in thousands):

	December 31,
	2025			2024
Land	$	9,304		$	9,514
Buildings and improvements		66,476			66,707
Furniture and equipment		48,435			47,166
Construction in process		2,422			1,365
		126,637			124,752
Less accumulated depreciation		(75,074	)		(71,801	)
Premises and equipment, net	$	51,563		$	52,951

Depreciation expense for the years ended December 31, 2025, 2024 and 2023 was approximately $5.1 million, $5.3 million, and $5.1 million, respectively.

FORECLOSED ASSETS - Activity in Valuation Allowance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
FORECLOSED ASSETS [Abstract]
Beginning balance	$ 108	$ 142	$ 0
Current year valuation write-down	100	108	142
Reduction from sales	0	(142)	0
Ending balance	$ 208	$ 108	$ 142

Cybersecurity Risk Management and Strategy Disclosure

12 Months Ended

Dec. 31, 2025

Cybersecurity Risk Management, Strategy, and Governance [Line Items]

Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]

Cybersecurity Risk Management and Strategy

Cybersecurity threats have the potential to negatively impact companies of all sizes and complexities. Our normal business operations could be severely disrupted by cyberattacks, both against our own information systems as well as those hosted and managed by our third-party partners. The loss or disclosure of sensitive data as a result of cyberattacks could have a material impact on our business. For more information on how cybersecurity risk may materially affect the Company’s business strategy, results of operations or financial condition, please refer to Item 1A, Risk Factors of this Form 10-K.

We have implemented a comprehensive Information Security and Risk Management Program that is designed and maintained to be compliant with all applicable federal and state regulations, and is regularly audited by independent experts to ensure continuous effectiveness and compliance. Key elements of this program include:

●

a comprehensive risk management process, integrated with the Enterprise Risk Management system, that continuously assesses, identifies, and manages current and emerging cybersecurity threats and risks, evaluates the effectiveness of information security controls, and reports the overall risk posture to Executive Management and the Board of Directors.

●

assessment of daily cyber threat intelligence from multiple sources;

●

the use of third-party information security services for continuous monitoring and alerting of information systems, network. and user activity;

●

a Vulnerability Management Program that scans networks, devices, and information systems for known cyber vulnerabilities, and initiates processes to mitigate them;

●

a third-party risk management program that evaluates and ensures our key partners adhere to the same level of information security posture as we do internally;

●

Business Continuity and Incident Response plans that are designed and tested for anticipated operational failures, natural disasters, cyberattacks, and other disruptive events; and

●

an Information Security Awareness program to ensure employees and customers maintain an awareness of information security threats and best practices to prevent them.

Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block]

The loss or disclosure of sensitive data as a result of cyberattacks could have a material impact on our business.

Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]

false

Cybersecurity Risk Management Processes Integrated [Flag]

true

Cybersecurity Risk Management Processes Integrated [Text Block]

Key elements of this program include:

●

assessment of daily cyber threat intelligence from multiple sources;

●

the use of third-party information security services for continuous monitoring and alerting of information systems, network. and user activity;

●

a Vulnerability Management Program that scans networks, devices, and information systems for known cyber vulnerabilities, and initiates processes to mitigate them;

●

a third-party risk management program that evaluates and ensures our key partners adhere to the same level of information security posture as we do internally;

●

Business Continuity and Incident Response plans that are designed and tested for anticipated operational failures, natural disasters, cyberattacks, and other disruptive events; and

●

an Information Security Awareness program to ensure employees and customers maintain an awareness of information security threats and best practices to prevent them.

Cybersecurity Risk Management Third Party Engaged [Flag]

true

Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]

true

Cybersecurity Risk Board of Directors Oversight [Text Block]

Information Security Governance

The Chief Information Security Officer is primarily responsible for the Information Security and Cyber Risk Management programs, and reports to the Chief Risk Officer. The Chief Technology Officer that oversees the Information Technology Department plays a key role in cybersecurity, ensuring that information systems, networks, and endpoints are configured and operated according to the requirements of the Information Security Program and related policies and standards. Both the current Chief Information Security Officer and Chief Technology Officer have over 20 years of experience in Information Technology and Information Security.

The Information Security Committee, consisting of senior management and analysts from Information Security and Information Technology, monitors and assesses cyber threat intelligence, responds to cyber incidents at a technical level, and determines whether new controls are needed to address emerging risks or active cyber exploits. Key Risk Indicators for Information Security and Information Technology are reported to the Operations and Information Technology Steering Committees. Key risks and other relevant information are further summarized for the Board Risk and Audit Committees. The Board also receives a full report on the Information Security Program and its effectiveness annually. Other cyber related issues are brought to the attention of the Board as needed.

Cybersecurity Risk Management Positions or Committees Responsible [Flag]

true

Cybersecurity Risk Management Positions or Committees Responsible [Text Block]

Cybersecurity Risk Role of Management [Text Block]

Cybersecurity Risk Management Expertise of Management Responsible [Text Block]

Both the current Chief Information Security Officer and Chief Technology Officer have over 20 years of experience in Information Technology and Information Security.

Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]

Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]

Key risks and other relevant information are further summarized for the Board Risk and Audit Committees. The Board also receives a full report on the Information Security Program and its effectiveness annually. Other cyber related issues are brought to the attention of the Board as needed.

Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]

The Board also receives a full report on the Information Security Program and its effectiveness annually. Other cyber related issues are brought to the attention of the Board as needed.

Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]

true

MORTGAGE SERVICING RIGHTS - Change in Fair Value of Mortgage Servicing Rights Asset and Other Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
MORTGAGE SERVICING RIGHTS [Abstract]
Beginning balance	$ 26,292	$ 26,569	$ 27,474
Additions	1,080	958	1,470
Valuation adjustment	(3,331)	(1,235)	(2,375)
Ending balance	24,041	26,292	$ 26,569
Mortgage loans serviced for others	$ 1,810,579	$ 1,903,854
Mortgage servicing rights assets as a percentage of serviced mortgage loans	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
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-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

LOANS HELD FOR INVESTMENT

12 Months Ended

Dec. 31, 2025

LOANS HELD FOR INVESTMENT [Abstract]

LOANS HELD FOR INVESTMENT

4. LOANS HELD FOR INVESTMENT

Loans held for investment are summarized by category at year-end as follows (dollars in thousands):

	December 31, 2025			December 31, 2024
Commercial real estate	$	1,064,625		$	1,119,063
Commercial - specialized		409,351			388,955
Commercial - general		659,323			557,371
Consumer:
1-4 family residential		589,851			566,400
Auto loans		259,157			254,474
Other consumer		62,092			64,936
Construction		100,103			103,855
		3,144,502			3,055,054
Allowance for credit losses on loans		(45,131	)		(43,237	)
Loans, net	$	3,099,371		$	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 $1.16 billion at December 31, 2025, and $1.22 billion at December 31, 2024.

	Beginning Balance		Provision for Credit Losses			Charge- offs			Recoveries		Ending Balance
For the year ended December 31, 2025
Commercial real estate	$	15,973	$	(218	)	$	(541	)	$	—	$	15,214
Commercial - specialized		4,640		464			—			127		5,231
Commercial - general		6,874		1,050			(883	)		407		7,448
Consumer:
1-4 family residential		9,677		1,592			(307	)		141		11,103
Auto loans		3,015		1,165			(1,349	)		202		3,033
Other consumer		1,115		868			(1,066	)		233		1,150
Construction		1,943		4			—			5		1,952
	$	43,237	$	4,925		$	(4,146	)	$	1,115	$	45,131
For the year ended December 31, 2024
Commercial real estate	$	15,808	$	207		$	(87	)	$	45	$	15,973
Commercial - specialized		4,020		540			—			80		4,640
Commercial - general		6,391		1,393			(1,082	)		172		6,874
Consumer:
1-4 family residential		9,177		669			(175	)		6		9,677
Auto loans		3,601		465			(1,186	)		135		3,015
Other consumer		968		1,204			(1,257	)		200		1,115
Construction		2,391		(138	)		(315	)		5		1,943
	$	42,356	$	4,340		$	(4,102	)	$	643	$	43,237

	Beginning Balance		Impact of CECL Adoption			Provision for Credit Losses			Charge- offs			Recoveries		Ending Balance
For the year ended December 31, 2023
Commercial real estate	$	13,029	$	827		$	1,952		$	—		$	—	$	15,808
Commercial - specialized		3,425		33			398			(11	)		175		4,020
Commercial - general		9,215		(2,574	)		42			(469	)		177		6,391
Consumer:
1-4 family residential		6,194		1,700			1,278			(1	)		6		9,177
Auto loans		3,926		(332	)		698			(888	)		197		3,601
Other consumer		1,376		(235	)		688			(1,140	)		279		968
Construction		2,123		683			(96	)		(319	)		—		2,391
	$	39,288	$	102		$	4,960		$	(2,828	)	$	834	$	42,356

During the years ended December 31, 2025, 2024, and 2023 the Company recorded a provision for credit loss of $5.2 million, $4.3 and $4.6 million, respectively, which was comprised of a provision for credit losses on loans of $4.9 million, $4.3 million, and $5.0 respectively, and a provision for off-balance sheet credit exposures of $270 thousand, $(40) thousand, and $(350) thousand, respectively.

	Equipment		Real Estate		Accounts Receivable		Total Loans Individually Evaluated		Total ACL for Individually Evaluated Loans
December 31, 2025
Commercial real estate	$	462	$	941	$	—	$	1,403	$	112
Commercial - specialized		289		255		—		544		—
Commercial - general		1,086		2,869		—		3,955		275
Consumer:
1-4 family residential		—		—		—		—		—
Auto loans		—		—		—		—		—
Other consumer		—		—		—		—		—
Construction		—		—		—		—		—
	$	1,837	$	4,065	$	—	$	5,902	$	387

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 table below provides 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		Total Nonaccrual		Nonaccrual with no ACL
December 31, 2025
Commercial real estate	$	2,241	$	206	$	1,402	$	54
Commercial - specialized		264		50		699		544
Commercial - general		1,173		31		4,108		—
Consumer:
1-4 Family residential		1,221		1,750		845		—
Auto loans		395		40		—		—
Other consumer		765		80		16		—
Construction		455		578		—		—
	$	6,514	$	2,735	$	7,070	$	598

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 year ended December 31, 2025 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.

							Term Loans
					Amortized Cost Basis by Origination Year
	December 31, 2025
(Dollars in thousands)
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Total

Commercial real estate:
Pass	$	209,948	$	137,602	$	195,747	$	245,012	$	95,319	$	143,422	$	5,372	$	1,032,422
Special mention		—		2,825		7,343		81		166		1,095		483		11,993
Substandard		360		62		5,101		1,613		7,095		5,979		—		20,210
Total commercial real estate loans	$	210,308	$	140,489	$	208,191	$	246,706	$	102,580	$	150,496	$	5,855	$	1,064,625
Year-to-date gross charge-offs	$	—	$	—	$	541	$	—	$	—	$	—	$	—	$	541

Commercial - specialized:
Pass	$	122,003	$	35,559	$	38,159	$	24,081	$	32,943	$	29,452	$	103,491	$	385,688
Special mention		4,572		8,076		799		1,042		1,734		830		3,770		20,823
Substandard		—		194		570		811		1,206		59		—		2,840
Total commercial - specialized loans	$	126,575	$	43,829	$	39,528	$	25,934	$	35,883	$	30,341	$	107,261	$	409,351
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial - general:
Pass	$	178,827	$	103,310	$	51,335	$	84,327	$	43,179	$	79,605	$	92,158	$	632,741
Special mention		60		2,110		12,127		—		1,011		473		—		15,781
Substandard		40		758		1,615		1,281		5,749		1,116		242		10,801
Total commercial - general loans	$	178,927	$	106,178	$	65,077	$	85,608	$	49,939	$	81,194	$	92,400	$	659,323
Year-to-date gross charge-offs	$	—	$	245	$	164	$	116	$	63	$	245	$	50	$	883

Consumer: 1-4 family residential:

Pass	$	95,677	$	69,844	$	92,148	$	137,702	$	77,474	$	96,393	$	4,010	$	573,248
Special mention		—		—		621		428		5,061		—		—		6,110
Substandard		214		3,095		1,573		1,067		604		3,940		—		10,493
Total consumer: 1-4 family residential loans	$	95,891	$	72,939	$	94,342	$	139,197	$	83,139	$	100,333	$	4,010	$	589,851
Year-to-date gross charge-offs	$	—	$	—	$	31	$	—	$	215	$	61	$	—	$	307

Consumer: auto loans:
Pass	$	115,240	$	48,236	$	42,397	$	39,896	$	11,045	$	2,015	$	—	$	258,829
Special mention		—		—		—		—		—		—		—		—
Substandard		—		44		70		122		75		17		—		328
Total consumer: auto loans	$	115,240	$	48,280	$	42,467	$	40,018	$	11,120	$	2,032	$	—	$	259,157
Year-to-date gross charge-offs	$	29	$	243	$	367	$	477	$	198	$	35	$	—	$	1,349

Consumer: other consumer:
Pass	$	27,912	$	12,521	$	6,704	$	7,014	$	2,223	$	4,096	$	1,534	$	62,004
Special mention		—		—		—		—		—		—		—		—
Substandard		16		13		—		16		10		33		—		88
Total consumer: other consumer loans	$	27,928	$	12,534	$	6,704	$	7,030	$	2,233	$	4,129	$	1,534	$	62,092
Year-to-date gross charge-offs ⁽¹⁾	$	510	$	203	$	44	$	107	$	49	$	152	$	1	$	1,066

Construction:
Pass	$	71,154	$	24,768	$	2,505	$	570	$	—	$	—	$	—	$	98,997
Special mention		—		—		—		—		—		—		—		—
Substandard		—		—		1,106		—		—		—		—		1,106
Total construction loans	$	71,154	$	24,768	$	3,611	$	570	$	—	$	—	$	—	$	100,103
Year-to-date gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

⁽¹⁾Includes $498 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
Current period 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
Current period 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.

	Payment Delay		Term Extension		Rate Reduction		Term Extension and Payment Delay		Term Extension and Interest Rate Reduction		Payment Delay, Term Extension, and Interest Rate Reduction		Total % Class of Financing Receivable
December 31, 2025
Commercial real estate	$	—	$	124	$	—	$	601	$	—	$	—		0.07	%
Commercial - specialized		—		—		—		95		—		—		0.02	%
Commercial - general		—		900		403		4,048		—		7		0.81	%
Consumer:
1-4 family		—		131		—		—		30		—		0.03	%
Auto loans		41		30		—		29		—		3		0.04	%
Other consumer		—		—		—		14		—		—		0.02	%
Construction		—		527		—		—		—		—		0.53	%
	$	41	$	1,712	$	403	$	4,787	$	30	$	10		0.22	%
December 31, 2024
Commercial real estate	$	74	$	65	$	—	$	—	$	—	$	—		0.01	%
Commercial - specialized		13		—		—		—		—		—		—
Commercial - general		—		428		—		11		29		47		0.09	%
Consumer:
1-4 family		322		—		—		187		—		—		0.09	%
Auto loans		—		—		—		—		—		—		—
Other consumer		—		—		—		—		—		—		—
Construction		—		—		818		1,670		—		—		2.40	%
	$	409	$	493	$	818	$	1,868	$	29	$	47		0.12	%

	30-89 Days Past Due		90 Days or More Past Due and Still Accruing		Nonaccrual
December 31, 2025
Commercial real estate	$	725	$	—	$	—
Commercial - specialized		—		—		95
Commercial - general		577		—		3,998
Consumer:
1-4 Family residential		—		—		—
Auto loans		30		—		—
Other consumer		—		—		—
Construction		—		—		—
	$	1,332	$	—	$	4,093

December 31, 2024
Commercial real estate	$	74	$	—	$	—
Commercial - specialized		—		—		13
Commercial - general		59		82		—
Consumer:
1-4 Family residential		—		60		—
Auto loans		—		—		—
Other consumer		—		—		—
Construction		95		—		1,575
	$	228	$	142	$	1,588

	Weighted- Average Interest Rate Reduction			Weighted- Average Term Extension (Months)
December 31, 2025
Commercial real estate		—			9
Commercial - specialized		—			11
Commercial - general		9.10	%		7
Consumer:
1-4 Family residential		0.25	%		3
Auto loans		1.20	%		18
Other consumer		—			5
Construction		—			3

December 31, 2024
Commercial real estate		—			12
Commercial - specialized		—			—
Commercial - general		0.82	%		14
Consumer:
1-4 Family residential		—			10
Auto loans		—			—
Other consumer		—			—
Construction		4.25	%		5

On an ongoing basis, the performance of modified loans is monitored for subsequent payment default. Payment default is defined as movement to nonperforming status, foreclosure, or charge-off. During the year ended December 31, 2025, the Company had $108 thousand in loans made to borrowers experiencing financial difficulty that were modified during the year that subsequently defaulted. During the year ended December 31, 2024, the Company had no loans made to borrowers experiencing financial difficulty that were modified during the year that subsequently defaulted. During the year ended December 31, 2023, the Company had $297 thousand in loans made to borrowers experiencing financial difficulty that were modified during the year that subsequently defaulted.

Upon the Company’s determination that a modified loan has subsequently been deemed to not be fully collectible, the uncollectible amount is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY - USD ($) $ in Thousands	Common Stock [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Accumulated Other Comprehensive Loss [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Total
Balance at Dec. 31, 2022		$ 17,027		$ 112,834		$ 292,261		$ (65,108)		$ 357,014
Balance (in Shares) at Dec. 31, 2022		17,027,197
Net issuance of stock related to stock-based awards		$ 76		(807)		0		0		(731)
Net issuance of stock related to stock-based awards (in Shares)		75,540
Repurchases of common stock		$ (686)		(17,077)		0		0		(17,763)
Repurchases of common stock (in Shares)		(685,638)
Stock-based compensation		$ 0		2,157		0		0		2,157
Net income		0		0		62,745		0		62,745
Cash dividends declared		0		0		(8,745)		0		(8,745)
Other comprehensive income (loss)		0		0		0		13,434		13,434
Balance (ASU 2016-13 [Member]) at Dec. 31, 2023	$ 0		$ 0		$ (997)		$ 0		$ (997)
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 issuance of stock related to stock-based awards		$ 93		(852)		0		0		(759)
Net issuance of stock related to stock-based awards (in Shares)		92,526
Repurchases of common stock		$ (54)		(1,286)		0		0		(1,340)
Repurchases of common stock (in Shares)		(53,799)
Stock-based compensation		$ 0		2,318		0		0		2,318
Net income		0		0		49,717		0		49,717
Cash dividends declared		0		0		(9,154)		0		(9,154)
Other comprehensive income (loss)		0		0		0		(8,947)		(8,947)
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 issuance of stock related to stock-based awards		$ 81		(1,014)		0		0		$ (933)
Net issuance of stock related to stock-based awards (in Shares)		80,872
Repurchases of common stock		$ (259)		(8,267)		0		0		(8,526)
Repurchases of common stock (in Shares)		(259,046)
Stock-based compensation		$ 0		2,624		0		0		2,624
Net income		0		0		58,471		0		58,471
Stock issued under employee stock purchase plan		$ 16		435		0		0		451
Stock issued under employee stock purchase plan (in Shares)		15,925
Cash dividends declared		$ 0		0		(10,101)		0		(10,101)
Other comprehensive income (loss)		0		0		0		12,902		12,902
Balance at Dec. 31, 2025		$ 16,294		$ 91,065		$ 434,197		$ (47,719)		$ 493,837
Balance (in Shares) at Dec. 31, 2025		16,293,577								16,293,577

CONSOLIDATED BALANCE SHEETS (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
CONSOLIDATED BALANCE SHEETS [Abstract]
Loans held for sale, fair value	$ 7,796	$ 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)	16,293,577	16,455,826
Common stock, shares outstanding (in Shares)	16,293,577	16,455,826

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-28

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
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-Paragraph 11
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
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-Name Accounting Standards Codification
-Section 50
-Paragraph 11
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

+ Details

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Dec. 31, 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

FAIR VALUE DISCLOSURES (Details) - Recurring [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
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	7,800	13,800
Aggregate fair value of unpaid principal balance	7,600	13,500
Fair value and unpaid principal balance difference amount	152	271
Loans held for sale for mandatory delivery designated as nonaccrual	0	0
Loans held for sale for mandatory delivery 90 days or more past due	0	0
Impact of fair value options on noninterest income for loans held for sale for mandatory delivery	$ (254)	$ 345	$ (424)

- Definition

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

+ References

+ Details

LEASES - Supplemental Cash Flow Information Related to Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows used in operating leases	$ 1,685	$ 1,906
Right-of-use assets obtained in exchange for new lease obligations:
Operating leases	$ 237	$ 636

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)

12 Months Ended

Dec. 31, 2025

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]

Subsidiaries Information

The following were subsidiaries of SPFI as of December 31, 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

Impact on ACL from Adoption of the CECL

The impact on the ACL resulting from the adoption of the CECL model is shown below.

(Dollars in thousands)	January 1, 2023
	Pre-Adoption		Impact of Adoption			Post-Adoption
	Pre-Adoption		Impact of Adoption			Post-Adoption
Commercial real estate	$	13,029	$	827		$	13,856
Commercial – specialized		3,425		33			3,458
Commercial - general		9,215		(2,574	)		6,641
Consumer:
1-4 family residential		6,194		1,700			7,894
Auto loans		3,926		(332	)		3,594
Other consumer		1,376		(235	)		1,141
Construction		2,123		683			2,806

Total allowance for credit losses on loans	$	39,288	$	102		$	39,390

Allowance for credit losses for off-balance sheet exposures	$	580	$	1,160		$	1,740

SUBSEQUENT EVENTS (Details) - Subsequent Event [Member] - Dividend Declared Q1 2026 [Member]	Jan. 22, 2026 $ / shares
SUBSEQUENT EVENTS [Abstract]
Dividends declared date	Jan. 22, 2026
Dividends declared per share (in Dollars per share)	$ 0.17
Dividends payable date	Feb. 17, 2026
Dividends record date	Feb. 02, 2026

DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2025

DEPOSITS [Abstract]

Maturities of Time Deposits

The scheduled maturities of time deposits at December 31, 2025 follows (dollars in thousands):

2026	$	411,974
2027		11,066
2028		4,339
2029		1,776
2030		2,208
Thereafter		72
	$	431,435

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 58,318	$ 54,114
Interest-bearing deposits in banks	494,121	304,968
Cash and cash equivalents	552,439	359,082
Securities available for sale	567,540	577,240
Loans held for sale ($7,796 and $13,791 at fair value at December 31, 2025 and 2024, respectively)	9,993	20,542
Loans held for investment	3,144,502	3,055,054
Allowance for credit losses on loans	(45,131)	(43,237)
Loans held for investment, net	3,099,371	3,011,817
Accrued interest receivable	20,931	21,687
Premises and equipment, net	51,563	52,951
Bank-owned life insurance	77,694	76,054
Goodwill	19,315	19,315
Intangible assets, net	1,133	1,720
Mortgage servicing rights	24,041	26,292
Deferred tax asset, net	20,433	22,840
Other assets	36,047	42,699
Total assets	4,480,500	4,232,239
Deposits:
Noninterest-bearing	1,023,517	935,510
Interest-bearing	2,850,560	2,685,366
Total deposits	3,874,077	3,620,876
Accrued expenses and other liabilities	52,093	62,060
Subordinated debt	14,100	63,961
Junior subordinated deferrable interest debentures	46,393	46,393
Total liabilities	3,986,663	3,793,290
Stockholders’ equity:
Common stock, $1.00 par value per share, 30,000,000 shares authorized; 16,293,577 and 16,455,826 issued and outstanding at December 31, 2025 and 2024, respectively	16,294	16,456
Additional paid-in capital	91,065	97,287
Retained earnings	434,197	385,827
Accumulated other comprehensive loss	(47,719)	(60,621)
Total stockholders’ equity	493,837	438,949
Total liabilities and stockholders’ equity	$ 4,480,500	$ 4,232,239

LEASES (Details)	12 Months Ended
LEASES (Details)	Dec. 31, 2025 USD ($) Lease	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
LEASES [Abstract]
Finance leases	$ 0	$ 0
Operating lease costs, including short-term lease costs	$ 2,400,000	$ 2,400,000	$ 2,900,000
Weighted average remaining lease term	8 years 9 months 14 days	9 years 2 months 19 days
Weighted average discount rate	5.65%	5.64%
Number of additional operating leases that have not yet commenced (in Lease) \| Lease	0
Operating lease income	$ 895,000	$ 883,000	$ 839,000
Operating Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Occupancy and equipment, net	Occupancy and equipment, net	Occupancy and equipment, net
Maximum [Member]
LEASES [Abstract]
Termination period for leases	1 year

Cover - USD ($) $ in Millions	12 Months Ended
Cover - USD ($) $ in Millions	Dec. 31, 2025	Mar. 03, 2026	Jun. 30, 2025
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Transition Report	false
Document Financial Statement Error Correction [Flag]	true
Document Financial Statement Restatement Recovery Analysis [Flag]	false
Entity Interactive Data Current	Yes
ICFR Auditor Attestation Flag	true
Amendment Flag	false
Document Period End Date	Dec. 31, 2025
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	FY
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 Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Public Float			$ 442.0
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, par value $1.00 per share
Trading Symbol	SPFI
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		16,331,422

STOCK-BASED COMPENSATION

12 Months Ended

Dec. 31, 2025

STOCK-BASED COMPENSATION [Abstract]

STOCK-BASED COMPENSATION

13. 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. This 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 December 31, 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 year 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
Year Ended December 31, 2025
Outstanding at beginning of year:		1,175,787		$	17.83
Granted		30,024			34.01
Exercised		(129,138	)		12.54
Forfeited		—			—
Expired		—			—

Balance at end of year		1,076,673		$	18.92		4.04	$	21,406

Exercisable at end of period		1,010,403		$	18.13		3.77	$	20,888

Vested at end of period		1,010,403		$	18.13		3.77	$	20,888

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

		Year Ended December 31,
		2025			2024			2023
Expected volatility		41.21	%		40.45	%		39.13% to 39.68%
Expected dividend yield		1.80	%		1.80	%		1.74% to 1.90%
Expected term (years)		6.1			6.1			6.1 to 6.3
Risk-free interest rate		4.43	%		3.94	%		3.91% to 3.98%
Weighted average grant date fair value	$	13.35		$	11.10		$	10.26

The total intrinsic value of options exercised during the years ended December 31, 2025, 2024, and 2023 was $3.3 million, $3.3 million, and $1.8 million, respectively.

Restricted Stock Awards and Units

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

	Number of Shares			Weighted-Average Grant Date Fair Value
Year Ended December 31, 2025
Outstanding at beginning of year:		187,895		$	26.51
Granted		73,488			34.30
Exercised		(18,271	)		29.86
Forfeited		(2,077	)		28.99

Balance at end of year		241,035		$	28.60

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 the years ended December 31, 2025, 2024, and 2023 was $546 thousand, $643 thousand, and $931 thousand, respectively.

For the years ended December 31, 2025, 2024, and 2023 the Company recorded stock-based compensation expense related to the Plan of $2.6 million, $2.3 million and $2.2 million, respectively. The total unrecognized compensation cost for the awards outstanding under the Plan at December 31, 2025 was $3.6 million and will be recognized over a weighted average remaining period of 1.63 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 $124 thousand and $53 thousand for the years ended December 31, 2025 and 2024. At December 31, 2025 there was $10 thousand of total unrecognized compensation expense related to estimated ESPP shares. These costs are expected to be recognized over a period of one month. As of December 31, 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 during is presented below:

	Year Ended December 31,
	2025			2024
Expected volatility		29.24	%		31.31	%
Expected dividend yield		1.78	%		1.89	%
Expected term (years)		0.5			0.5
Risk-free interest rate		4.12	%		5.02	%

INCOME TAXES - Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Current expense
Federal	$ 16,105	$ 14,184	$ 16,192
State	520	440	381
Deferred expense
Federal	(1,023)	(1,049)	99
Total	$ 15,602	$ 13,575	$ 16,672

- Definition

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

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-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-10

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
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-Section 50
-Paragraph 22
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(9))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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-Topic 740
-Publisher FASB
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

+ Details

EARNINGS PER SHARE (Tables)

12 Months Ended

Dec. 31, 2025

EARNINGS PER SHARE [Abstract]

Factors Used in Earnings Per Share Computation

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

	December 31,
	2025		2024		2023
Net income	$	58,471	$	49,717	$	62,745

Weighted average common shares outstanding - basic		16,283,804		16,410,336		16,843,753
Effect of dilutive securities:
Stock based compensation awards		699,263		621,002		489,459
Weighted average common shares outstanding - diluted		16,983,067		17,031,338		17,333,212

Basic earnings per share	$	3.59	$	3.03	$	3.73
Diluted earnings per share	$	3.44	$	2.92	$	3.62

Audit Information	12 Months Ended
Audit Information	Dec. 31, 2025
Auditor [Table]
Auditor Name	Forvis Mazars, LLP
Auditor Firm ID	686
Auditor Location	Houston, Texas

STOCK-BASED COMPENSATION - Fair Value Assumptions (Details) - Stock Options [Member] - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
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	$ 10.26
Minimum [Member]
STOCK-BASED COMPENSATION [Abstract]
Expected volatility			39.13%
Expected dividend yield			1.74%
Expected term (years)			6 years 1 month 6 days
Risk-free interest rate			3.91%
Maximum [Member]
STOCK-BASED COMPENSATION [Abstract]
Expected volatility			39.68%
Expected dividend yield			1.90%
Expected term (years)			6 years 3 months 18 days
Risk-free interest rate			3.98%

- 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

FAIR VALUE DISCLOSURES - Estimated Fair Values, and Related Carrying Amounts of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Carrying Amount [Member]
Financial assets:
Cash and cash equivalents	$ 552,439	$ 359,082
Loans held for investment, net	3,099,371	3,011,817
Loans held for sale (best efforts)	2,197	6,751
Accrued interest receivable	20,931	21,687
Financial liabilities:
Deposits	3,874,077	3,620,876
Accrued interest payable	5,014	6,108
Junior subordinated deferrable interest debentures	46,393	46,393
Subordinated debt	14,100	63,961
Fair Value [Member]
Financial assets:
Cash and cash equivalents	552,439	359,082
Loans held for investment, net	3,082,072	2,937,678
Loans held for sale (best efforts)	2,237	6,875
Accrued interest receivable	20,931	21,687
Financial liabilities:
Deposits	3,873,806	3,621,106
Accrued interest payable	5,014	6,108
Junior subordinated deferrable interest debentures	35,213	34,285
Subordinated debt	13,907	60,969
Level 1 [Member] \| Fair Value [Member]
Financial assets:
Cash and cash equivalents	552,439	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
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)	2,237	6,875
Accrued interest receivable	20,931	21,687
Financial liabilities:
Deposits	3,873,806	3,621,106
Accrued interest payable	5,014	6,108
Junior subordinated deferrable interest debentures	35,213	34,285
Subordinated debt	13,907	60,969
Level 3 [Member] \| Fair Value [Member]
Financial assets:
Cash and cash equivalents	0	0
Loans held for investment, net	3,082,072	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
Junior subordinated deferrable interest debentures	0	0
Subordinated debt	$ 0	$ 0

FORECLOSED ASSETS - Foreclosed Assets Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
FORECLOSED ASSETS [Abstract]
Beginning balance	$ 530	$ 912	$ 169
Additions	3,568	1,927	2,302
Sales, net	(2,249)	(2,201)	(1,417)
Current year valuation write-down	(100)	(108)	(142)
Ending balance	$ 1,749	$ 530	$ 912

BORROWING ARRANGEMENTS

12 Months Ended

Dec. 31, 2025

BORROWING ARRANGEMENTS [Abstract]

BORROWING ARRANGEMENTS

11. BORROWING ARRANGEMENTS

Short-term Borrowings

There were no balances as of December 31, 2025 and 2024 related to federal funds purchased or FHLB short-term advances. Federal funds purchased are short-term borrowings that generally have one-day maturities.

Lines of Credit

The bank subsidiary has a line of credit with FHLB. The amount of the line is determined by FHLB on a quarterly basis. The line is primarily used to purchase Federal funds or to secure letters of credit to pledge as collateral against certain public deposits. The line is collateralized by a blanket floating lien on all first mortgage loans and commercial real estate loans as well as all FHLB stock, which has a carrying amount of $2.2 million and $3.1 million at December 31, 2025 and 2024. The available capacity of the line was $1.3 billion and $1.1 billion with no outstanding borrowings at December 31, 2025 and 2024, respectively.

The bank subsidiary also has a line of credit with the Federal Reserve Bank of Dallas (“FRB”). The amount of the line is determined on a monthly basis by FRB. The line is collateralized by a blanket floating lien on all agriculture, commercial, and consumer loans. The amount of the line was $659.7 million and $654.0 million at December 31, 2025 and 2024, respectively. This line was not used at December 31, 2025 or 2024.

The bank subsidiary also has uncollateralized lines of credit with multiple banks. The total amount of the lines was $140.0 million as of December 31, 2025 and 2024. These lines were not used at December 31, 2025 or 2024.

Notes Payable and Other Borrowings

The bank had no FHLB advances outstanding at December 31, 2025 or 2024.

Junior Subordinated Deferrable Interest Debentures and Trust Preferred Securities

The Company established grantor trusts (“trusts”) that issued obligated mandatorily redeemable preferred securities (“TPS”); the Company issued junior subordinated deferrable interest debentures (debentures) to the trusts. The trusts are not consolidated and the debentures issued by the Company to the trusts are reflected in the Consolidated Balance Sheets. The Company records interest expense on the debentures in its consolidated financial statements.

The common capital securities issued by the trusts ($1.4 million) are included in other assets in the Consolidated Balance Sheets under the equity method of accounting. The amount of the capital securities represents the Company’s maximum exposure to loss.

The Company is required by the Federal Reserve to maintain certain levels of capital for bank regulatory purposes. The debentures issued by the trusts to the Company, less the common capital securities of the trusts, continue to qualify as Tier 1 capital, subject to limitation to 25% of Tier 1 capital, under guidance issued by the Federal Reserve.

Although the trusts are not consolidated in these consolidated financial statements, the TPS remain outstanding with terms substantially the same as the debentures. The Company’s interest payments on its debentures are the sole source of repayment for the TPS. Additionally, the Company guarantees payment of interest and principal on the TPS.

The terms of the debentures and TPS allow for interest to be deferred for up to five years consecutively. During this time, shareholder dividends are not allowed to be paid.

The following table is a detail of the debentures and TPS at December 31, 2025 (dollars in thousands):

	Issue Date		Amount of TPS		Amount of Debentures	Stated Maturity Date of TPS and Debentures⁽¹⁾	Interest Rate of TPS and Debentures⁽²⁾⁽³⁾
SPFCT III	2004	$	10,000	$	10,310	2034	3-mo. CME Term SOFR + 291bps; 6.77%
SPFCT IV	2005		20,000		20,619	2035	3-mo. CME Term SOFR + 165bps; 5.37%
SPFCT V	2007		15,000		15,464	2037	3-mo. CME Term SOFR + 176bps; 5.48%
Total		$	45,000	$	46,393

(1)	May be redeemed five years from the issue date, the Company has no current plans to redeem; (2) Interest payable quarterly with principal due at maturity; (3) Rate as of last reset date.

Subordinated Debt

In December 2018, the Company issued $26.5 million in subordinated notes. Notes totaling $12.4 million (the “2028 Notes”) had a maturity date of December 2028 and a weighted average fixed rate of 5.74% for the first five years. The remaining $14.1 million of notes 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, all 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 November 8, 2023, the Company notified holders of its 2028 Notes that it had elected to redeem all the outstanding 2028 Notes effective on December 15, 2023 (the “Redemption Date”). Each of the 2028 Notes were redeemed pursuant to the terms of the Indenture, dated as of December 14, 2018, between the Company and Argent Trust Company, N.A., as trustee for the 2028 Notes (the “Trustee”), at the redemption price totaling approximately $12.4 million in aggregate principal amount, plus accrued and unpaid interest. As provided in the redemption notice, on the Redemption Date, the Trustee paid the relevant Redemption Price to the holders of 2028 Notes appearing on the books and records of the Trustee on the Redemption Date. The 2028 Notes ceased to represent the right to payment of principal and interest upon the payment to the holders of 2028 Notes by the Trustee representing the Redemption Price. The Company received all necessary regulatory approvals for the redemption of the 2028 Notes.

On September 29, 2020, the Company issued $50.0 million in subordinated notes. Proceeds were reduced by approximately $926 thousand in debt issuance costs. The 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 redemption 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 December 31, 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.

- 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
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-Paragraph 1
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-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-6

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/470/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION (Tables)

12 Months Ended

Dec. 31, 2025

PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION [Abstract]

Condensed Balance Sheets

CONDENSED BALANCE SHEETS

	December 31,
	2025		2024
ASSETS
Cash and cash equivalents	$	80,159	$	104,856
Investment in banking subsidiary		465,084		436,989
Investment in other subsidiary		51		51
Other assets		11,036		9,060
Total assets	$	556,330	$	550,956

LIABILITIES AND STOCKHOLDERS’ EQUITY
Debt	$	60,493	$	110,354
Accrued expenses and other liabilities		2,000		1,653
Stockholders’ equity		493,837		438,949
Total liabilities and stockholders’ equity	$	556,330	$	550,956

Condensed Statements of Income

CONDENSED STATEMENTS OF INCOME

	Year Ended December 31,
	2025			2024			2023
Dividends	$	49,550		$	31,400		$	35,000
Other income		88			102			100
Interest expense		(5,644	)		(6,721	)		(7,294	)
Other expense		(2,383	)		(2,168	)		(1,897	)
Income before income tax and undistributed subsidiary income		41,611			22,613			25,909
Income tax benefit		(1,667	)		(1,845	)		(1,904	)
Equity in undistributed subsidiary income		15,193			25,259			34,932
Net income	$	58,471		$	49,717		$	62,745

Condensed Statements of Cash Flows

CONDENSED STATEMENTS OF CASH FLOWS

	Year Ended December 31,
	2025			2024			2023
Cash flows from operating activities:
Net income	$	58,471		$	49,717		$	62,745
Adjustments:
Equity in undistributed subsidiary income		(15,193	)		(25,259	)		(34,932	)
Amortization of debt issuance costs		139			186			186
Stock based compensation		2,624			2,318			2,157
Change in other assets		(1,976	)		3,532			(3,378	)
Change in other liabilities		347			(1,552	)		1,004
Net cash from operating activities		44,412			28,942			27,782

Cash flows from financing activities:
Repayments of long-term borrowings		(50,000	)		—			(12,372	)
Proceeds from common stock issuance		451			—			—
Payments to tax authorities for stock-based compensation		(933	)		(759	)		(731	)
Payments to repurchase common stock		(8,526	)		(1,340	)		(17,763	)
Cash dividends paid on common stock		(10,101	)		(9,154	)		(8,745	)
Net cash from financing activities		(69,109	)		(11,253	)		(39,611	)

Net change in cash and cash equivalents		(24,697	)		17,689			(11,829	)
Beginning cash and cash equivalents		104,856			87,167			98,996
Ending cash and cash equivalents	$	80,159		$	104,856		$	87,167

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Cash flows from operating activities:
Net income	$ 58,471	$ 49,717	$ 62,745
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses	5,195	4,300	4,610
Provision for foreclosed asset losses	100	108	142
Depreciation and amortization	5,814	6,510	6,412
Accretion and amortization	2,713	2,844	3,381
Other gains, net	(284)	(216)	(275)
Gain on sale of subsidiary	0	0	(33,778)
Loss on sale of securities	0	0	3,409
Net gain on sales of loans	(9,605)	(10,524)	(11,027)
Proceeds from sales of loans held for sale	288,422	296,163	347,583
Loans originated for sale	(269,348)	(292,640)	(322,122)
Deferred income tax expense (benefit)	(1,023)	(1,049)	99
Earnings on bank-owned life insurance	(1,640)	(1,550)	(1,330)
Stock-based compensation	2,624	2,318	2,157
Change in valuation of mortgage servicing rights	3,331	1,235	2,375
Net change in:
Accrued interest receivable and other assets	2,957	1,423	(8,502)
Accrued expenses and other liabilities	(10,237)	742	2,660
Net cash from operating activities	77,490	59,381	58,539
Activity in securities available for sale:
Purchases	(420,944)	(304,783)	(199,898)
Sales	0	0	52,828
Maturities, prepayments, and calls	449,808	337,941	240,106
Loan originations and principal collections, net	(95,802)	(46,287)	(270,196)
Purchases of premises and equipment	(5,661)	(3,354)	(4,681)
Proceeds from sales of premises and equipment	2,258	380	968
Proceeds from sale of subsidiary	0	0	36,080
Capital improvements to foreclosed assets	(131)	0	0
Proceeds from sales of foreclosed assets	2,247	2,176	1,417
Net cash from investing activities	(68,225)	(13,927)	(143,376)
Cash flows from financing activities:
Net change in deposits	253,201	(5,277)	219,723
Proceeds from common stock issuance	451	0	0
Payments to tax authorities for stock-based compensation	(933)	(759)	(731)
Payments made on subordinated debt	(50,000)	0	(12,372)
Cash dividends paid on common stock	(10,101)	(9,154)	(8,745)
Payments to repurchase common stock	(8,526)	(1,340)	(17,763)
Net cash from financing activities	184,092	(16,530)	180,112
Net change in cash and cash equivalents	193,357	28,924	95,275
Beginning cash and cash equivalents	359,082	330,158	234,883
Ending cash and cash equivalents	552,439	359,082	330,158
Supplemental disclosures of cash flow information:
Interest paid on deposits and borrowed funds	86,093	92,750	70,065
Supplemental schedule of noncash activities:
Loans transferred to foreclosed assets	3,437	1,927	2,130
Premises and equipment transferred to foreclosed assets	0	0	172
Additions to mortgage servicing rights	$ 1,080	$ 958	$ 1,470

MERGERS AND ACQUISITIONS	12 Months Ended
MERGERS AND ACQUISITIONS	Dec. 31, 2025
MERGERS AND ACQUISITIONS [Abstract]
MERGERS AND ACQUISITIONS	2. MERGERS AND ACQUISITIONS On December 1, 2025, SPFI and BOH Holdings, Inc., a Texas corporation (“BOH”), entered into an Agreement and Plan of Reorganization (the “Reorganization Agreement”), providing for the acquisition by SPFI of BOH through the merger of BOH with and into SPFI, with SPFI surviving the merger (the “Merger”). At December 31, 2025, BOH had $745.1 million in assets (unaudited), $624.5 million in total gross loans (unaudited), and $603.0 million in deposits (unaudited). Pursuant to the terms and subject to the conditions of the Reorganization Agreement, which has been unanimously approved by the boards of directors of each of SPFI and BOH, each share of BOH common stock issued and outstanding immediately prior to the effective time of the Merger (the “effective time”) will be converted into the right to receive, without interest, 0.1925 shares of SPFI common stock, subject to adjustment pursuant to the terms of the Reorganization Agreement (the “Exchange Ratio”), plus cash in lieu of any fractional shares. Based on the closing price of $37.79 for SPFI common stock on November 28, 2025, the Merger would have an aggregate value of approximately $105.9 million, though the transaction value is likely to change until closing due to fluctuations in the price of SPFI common stock. Immediately following the consummation of the Merger, Bank of Houston, a Texas state banking association and wholly-owned subsidiary of BOH, will merge with and into City Bank, with City Bank surviving the merger. The Merger is expected to close during the second quarter of 2026, subject to the satisfaction of customary closing conditions, including the receipt of all required regulatory approvals and the approval of BOH’s shareholders.

- Definition

The entire disclosure for business combination.

+ References

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+ Details

FORECLOSED ASSETS

12 Months Ended

Dec. 31, 2025

FORECLOSED ASSETS [Abstract]

FORECLOSED ASSETS

5. FORECLOSED ASSETS

Foreclosed assets activity was as follows for the periods presented below (dollars in thousands):

	For the Year Ended December 31,
	2025			2024			2023
Beginning balance	$	530		$	912		$	169
Additions		3,568			1,927			2,302
Sales, net		(2,249	)		(2,201	)		(1,417	)
Current year valuation write-down		(100	)		(108	)		(142	)
Ending balance	$	1,749		$	530		$	912

Activity in the valuation allowance was as follows (dollars in thousands):

	For the Year Ended December 31,
	2025		2024			2023
Beginning balance	$	108	$	142		$	—
Current year valuation write-down		100		108			142
Reduction from sales		—		(142	)		—
Ending balance	$	208	$	108		$	142

Net expenses related to foreclosed assets include the following for the periods presented below (dollars in thousands):

	For the Year Ended December 31,
	2025		2024		2023
Net loss on sales	$	2	$	25	$	—
Current year valuation write-down		100		108		142
Operating expenses, net of rental income		61		136		42
Foreclosed assets expense, net	$	163	$	269	$	184

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

12 Months Ended

Dec. 31, 2025

Dec. 31, 2024

Dec. 31, 2023

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

$ 43,237

$ 42,356

$ 39,288

Provision for credit losses

4,925

4,340

4,960

Charge-offs

(4,146)

(4,102)

(2,828)

Recoveries

1,115

643

834

Ending Balance

45,131

43,237

42,356

Individually Evaluated - Fair Value of Collateral

5,902

21,118

Individually Evaluated - Fair Value of Collateral

387

552

Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

1,837

Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

4,065

21,118

Accounts Receivable [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Impact of CECL Adoption [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

102

Ending Balance

102

Commercial Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

15,973

15,808

13,029

Provision for credit losses

(218)

207

1,952

Charge-offs

(541)

(87)

Recoveries

Ending Balance

15,214

15,973

15,808

Individually Evaluated - Fair Value of Collateral

1,403

19,543

Individually Evaluated - Fair Value of Collateral

112

552

Commercial Real Estate [Member] | Equipment [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

462

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

941

19,543

Commercial Real Estate [Member] | Accounts Receivable [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Commercial Real Estate [Member] | Impact of CECL Adoption [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

827

Ending Balance

827

Commercial [Member] | Specialized [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

4,640

4,020

3,425

Provision for credit losses

464

540

398

Charge-offs

(11)

Recoveries

127

175

Ending Balance

5,231

4,640

4,020

Individually Evaluated - Fair Value of Collateral

544

Individually Evaluated - Fair Value of Collateral

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

289

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

255

Commercial [Member] | Specialized [Member] | Accounts Receivable [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Commercial [Member] | Specialized [Member] | Impact of CECL Adoption [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

Ending Balance

Commercial [Member] | General [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

6,874

6,391

9,215

Provision for credit losses

1,050

1,393

Charge-offs

(883)

(1,082)

(469)

Recoveries

407

172

177

Ending Balance

7,448

6,874

6,391

Individually Evaluated - Fair Value of Collateral

3,955

Individually Evaluated - Fair Value of Collateral

275

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

1,086

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

2,869

Commercial [Member] | General [Member] | Accounts Receivable [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Commercial [Member] | General [Member] | Impact of CECL Adoption [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

(2,574)

Ending Balance

(2,574)

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

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

9,677

9,177

6,194

Provision for credit losses

1,592

669

1,278

Charge-offs

(307)

(175)

(1)

Recoveries

141

Ending Balance

11,103

9,677

9,177

Individually Evaluated - Fair Value of Collateral

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Consumer [Member] | 1-4 Family Residential [Member] | Impact of CECL Adoption [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

1,700

Ending Balance

1,700

Consumer [Member] | Auto Loans [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

3,015

3,601

3,926

Provision for credit losses

1,165

465

698

Charge-offs

(1,349)

(1,186)

(888)

Recoveries

202

135

197

Ending Balance

3,033

3,015

3,601

Individually Evaluated - Fair Value of Collateral

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Consumer [Member] | Auto Loans [Member] | Accounts Receivable [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Consumer [Member] | Auto Loans [Member] | Impact of CECL Adoption [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

(332)

Ending Balance

(332)

Consumer [Member] | Other Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

1,115

968

1,376

Provision for credit losses

868

1,204

688

Charge-offs

(1,066)

^[1]

(1,257)

^[2]

(1,140)

Recoveries

233

200

279

Ending Balance

1,150

1,115

968

Individually Evaluated - Fair Value of Collateral

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

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

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Consumer [Member] | Other Consumer [Member] | Accounts Receivable [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

Consumer [Member] | Other Consumer [Member] | Impact of CECL Adoption [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

(235)

Ending Balance

(235)

Construction [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

1,943

2,391

2,123

Provision for credit losses

(138)

(96)

Charge-offs

(315)

(319)

Recoveries

Ending Balance

1,952

1,943

2,391

Individually Evaluated - Fair Value of Collateral

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

1,575

Construction [Member] | Accounts Receivable [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Individually Evaluated - Fair Value of Collateral

$ 0

Construction [Member] | Impact of CECL Adoption [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Beginning Balance

$ 683

Ending Balance

$ 683

[1]	Includes $498 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.

LOANS HELD FOR INVESTMENT (Details) $ in Thousands	12 Months Ended
LOANS HELD FOR INVESTMENT (Details) $ in Thousands	Dec. 31, 2025 USD ($) Category Point	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	$ 3,144,502	$ 3,055,054
Provision for credit loss on loans including off-balance sheet credit exposures	5,195	4,300	$ 4,610
Provision for credit losses	4,925	4,340	4,960
Provision for off-balance sheet credit exposures	$ 270	(40)	(350)
Number of points on a grading scale for loans (in Point) \| Point	13
2025/2024	$ 498	457
Loans modified for borrowers experiencing financial difficulty that subsequently defaulted	108	0	$ 297
Minimum [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Non-accrual loans with direct exposure analyzed for individual evaluation	250
Past due accruing loans closely monitored	100
Substandard [Member] \| Minimum [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Accruing loans with direct exposure that are closely monitored	$ 1,000
Commercial Portfolio Segment [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Number of sub-categories of loans (in Category) \| Category	2
Commercial and Construction Real Estate Portfolio Segment [Member] \| Non-Owner Occupied Real Estate [Member]
LOANS HELD FOR INVESTMENT [Abstract]
Loans, gross	$ 1,160,000	$ 1,220,000

FAIR VALUE DISCLOSURES - Quantitative Information about Recurring ad Non-Recurring Level 3 Fair Value Measurements (Details) $ in Thousands	Dec. 31, 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) \| $	$ 5,515	$ 20,566
Discounted Cash Flows [Member] \| Recurring [Member]
FAIR VALUE DISCLOSURES [Abstract]
Mortgage servicing rights (in Dollars) \| $	$ 24,041	$ 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		0.20
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	0.20
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	0.60
Constant Prepayment Rate [Member] \| Discounted Cash Flows [Member] \| Recurring [Member]
FAIR VALUE DISCLOSURES [Abstract]
Mortgage servicing rights, measurement input	0.0881	0.0716
Discount Rate [Member] \| Discounted Cash Flows [Member] \| Recurring [Member]
FAIR VALUE DISCLOSURES [Abstract]
Mortgage servicing rights, measurement input	0.097	0.1017

BORROWING ARRANGEMENTS (Tables)

12 Months Ended

Dec. 31, 2025

BORROWING ARRANGEMENTS [Abstract]

Debentures and Trust Preferred Securities

The following table is a detail of the debentures and TPS at December 31, 2025 (dollars in thousands):

	Issue Date		Amount of TPS		Amount of Debentures	Stated Maturity Date of TPS and Debentures⁽¹⁾	Interest Rate of TPS and Debentures⁽²⁾⁽³⁾
SPFCT III	2004	$	10,000	$	10,310	2034	3-mo. CME Term SOFR + 291bps; 6.77%
SPFCT IV	2005		20,000		20,619	2035	3-mo. CME Term SOFR + 165bps; 5.37%
SPFCT V	2007		15,000		15,464	2037	3-mo. CME Term SOFR + 176bps; 5.48%
Total		$	45,000	$	46,393

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(22))
-SubTopic 10
-Topic 210
-Publisher FASB
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+ Details

FORECLOSED ASSETS (Tables)

12 Months Ended

Dec. 31, 2025

FORECLOSED ASSETS [Abstract]

Foreclosed Assets Activity

Foreclosed assets activity was as follows for the periods presented below (dollars in thousands):

	For the Year Ended December 31,
	2025			2024			2023
Beginning balance	$	530		$	912		$	169
Additions		3,568			1,927			2,302
Sales, net		(2,249	)		(2,201	)		(1,417	)
Current year valuation write-down		(100	)		(108	)		(142	)
Ending balance	$	1,749		$	530		$	912

Activity in Valuation Allowance

Activity in the valuation allowance was as follows (dollars in thousands):

	For the Year Ended December 31,
	2025		2024			2023
Beginning balance	$	108	$	142		$	—
Current year valuation write-down		100		108			142
Reduction from sales		—		(142	)		—
Ending balance	$	208	$	108		$	142

Net expenses related to foreclosed assets include the following for the periods presented below (dollars in thousands):

	For the Year Ended December 31,
	2025		2024		2023
Net loss on sales	$	2	$	25	$	—
Current year valuation write-down		100		108		142
Operating expenses, net of rental income		61		136		42
Foreclosed assets expense, net	$	163	$	269	$	184

SECURITIES - Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
SECURITIES [Abstract]
Amortized Cost, Within 1 year	$ 545
Fair Value, Within 1 year	546
Amortized Cost, After 1 year through 5 years	10,080
Fair Value, After 1 year through 5 years	9,985
Amortized Cost, After 5 years through 10 years	12,841
Fair Value, After 5 years through 10 years	12,185
Amortized Cost, After 10 years	180,951
Fair Value, After 10 years	158,549
Amortized Cost, Declining-balance securities	433,160
Fair Value, Declining-balance securities	386,275
Amortized cost	637,577	$ 669,014
Fair value	$ 567,540	$ 577,240

CAPITAL AND REGULATORY MATTERS

12 Months Ended

Dec. 31, 2025

CAPITAL AND REGULATORY MATTERS [Abstract]

CAPITAL AND REGULATORY MATTERS

17. 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 December 31, 2025 and 2024, that the Company and its bank subsidiary met all capital adequacy requirements to which they are subject.

As of December 31, 2025 and 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 December 31, 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 Fully Phased-In					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2025:
Total Capital to Risk Weighted Assets:
Consolidated	$	622,485		17.26	%	$	378,645		10.50	%		N/A		N/A
City Bank		537,444		14.91	%		378,576		10.50	%	$	360,549		10.00	%

Tier I Capital to Risk Weighted Assets:
Consolidated		566,107		15.70	%		306,522		8.50	%		N/A		N/A
City Bank		492,355		13.66	%		306,466		8.50	%		288,439		8.00	%

Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		521,107		14.45	%		252,430		7.00	%		N/A		N/A
City Bank		492,355		13.66	%		252,384		7.00	%		234,357		6.50	%

Tier I Capital to Average Assets:
Consolidated		566,107		12.53	%		181,591		4.00	%		N/A		N/A
City Bank		492,355		10.90	%		181,512		4.00	%		225,868		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 I 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 I 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 December 31, 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

GOODWILL AND INTANGIBLES - Estimated Amount of Amortization Expense to Be Recognized over Next Five Years (Details) - Core Deposit Intangible [Member] $ in Thousands	Dec. 31, 2025 USD ($)
GOODWILL AND INTANGIBLES [Abstract]
2026	$ 465
2027	344
2028	223
2029	101
2030	$ 0

- 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 - Fair Value of Derivatives in Consolidated Balance Sheets (Details) - Fair Value Hedging [Member] - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Other Liabilities [Member] \| Interest Rate Swaps [Member]
DERIVATIVES [Abstract]
Derivative liability, notional amount	$ 0	$ 0
Derivative liability, fair value	0	0
Other Liabilities [Member] \| Cash Flow 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	2,030	11,803
Derivative asset, fair value	24	205
Other Assets [Member] \| Cash Flow Swaps [Member]
DERIVATIVES [Abstract]
Derivative asset, notional amount	117,860	123,760
Derivative asset, fair value	$ 9,730	$ 15,495

PREMISES AND EQUIPMENT - Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
PREMISES AND EQUIPMENT [Abstract]
Premises and equipment, gross	$ 126,637	$ 124,752
Less accumulated depreciation	(75,074)	(71,801)
Premises and equipment, net	51,563	52,951
Land [Member]
PREMISES AND EQUIPMENT [Abstract]
Premises and equipment, gross	9,304	9,514
Buildings and Improvements [Member]
PREMISES AND EQUIPMENT [Abstract]
Premises and equipment, gross	66,476	66,707
Furniture and Equipment [Member]
PREMISES AND EQUIPMENT [Abstract]
Premises and equipment, gross	48,435	47,166
Construction in Process [Member]
PREMISES AND EQUIPMENT [Abstract]
Premises and equipment, gross	$ 2,422	$ 1,365

DEPOSITS - Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2025 USD ($)
DEPOSITS [Abstract]
2026	$ 411,974
2027	11,066
2028	4,339
2029	1,776
2030	2,208
Thereafter	72
Total	$ 431,435

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

FAIR VALUE DISCLOSURES - Assets (Liabilities) Measured at Fair Value on Recurring and Non-Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Recurring [Member]
Securities available for sale:
Asset-backed and other amortizing securities	$ 13,132	$ 14,581
Loans held for sale (mandatory)	7,796	13,791
Mortgage servicing rights	24,041	26,292
Asset derivatives	$ 9,970	$ 15,998
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liability derivatives	$ (65)	$ (12)
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	$ 176,305	$ 173,297
Recurring [Member] \| Residential Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	260,760	264,096
Recurring [Member] \| Commercial Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	44,786	40,360
Recurring [Member] \| Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale:
Securities available for sale	67,597	73,483
Recurring [Member] \| Other Securities [Member]
Securities available for sale:
Securities available for sale	4,960	11,423
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 1 [Member] \| State and Municipal [Member]
Securities available for sale:
Securities available for sale	$ 0	$ 0
Recurring [Member] \| Level 1 [Member] \| Residential Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Level 1 [Member] \| Commercial Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Level 1 [Member] \| Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Level 1 [Member] \| Other Securities [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Level 2 [Member]
Securities available for sale:
Asset-backed and other amortizing securities	13,132	14,581
Loans held for sale (mandatory)	7,796	13,791
Mortgage servicing rights	0	0
Asset derivatives	$ 9,970	$ 15,998
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liability derivatives	$ (65)	$ (12)
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Recurring [Member] \| Level 2 [Member] \| State and Municipal [Member]
Securities available for sale:
Securities available for sale	$ 176,305	$ 173,297
Recurring [Member] \| Level 2 [Member] \| Residential Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	260,760	264,096
Recurring [Member] \| Level 2 [Member] \| Commercial Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	44,786	40,360
Recurring [Member] \| Level 2 [Member] \| Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale:
Securities available for sale	67,597	73,483
Recurring [Member] \| Level 2 [Member] \| Other Securities [Member]
Securities available for sale:
Securities available for sale	4,960	11,423
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	24,041	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] \| Level 3 [Member] \| State and Municipal [Member]
Securities available for sale:
Securities available for sale	$ 0	$ 0
Recurring [Member] \| Level 3 [Member] \| Residential Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Level 3 [Member] \| Commercial Mortgage-backed Securities [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Level 3 [Member] \| Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale:
Securities available for sale	0	0
Recurring [Member] \| Level 3 [Member] \| Other Securities [Member]
Securities available for sale:
Securities available for sale	0	0
Non-recurring [Member]
Assets measured at fair value on a non-recurring basis:
Loans held for investment	5,515	20,566
Non-recurring [Member] \| Level 1 [Member]
Assets measured at fair value on a non-recurring basis:
Loans held for investment	0	0
Non-recurring [Member] \| Level 2 [Member]
Assets measured at fair value on a non-recurring basis:
Loans held for investment	0	0
Non-recurring [Member] \| Level 3 [Member]
Assets measured at fair value on a non-recurring basis:
Loans held for investment	$ 5,515	$ 20,566

SEGMENT INFORMATION (Details)	12 Months Ended
SEGMENT INFORMATION (Details)	Dec. 31, 2025 Segment
SEGMENT INFORMATION [Abstract]
Number of operating segments	1

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

12 Months Ended

Dec. 31, 2025

Dec. 31, 2024

Dec. 31, 2023

Commercial Real Estate [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

$ 210,308

$ 164,205

2024/2023

140,489

233,047

2023/2022

208,191

300,975

2022/2021

246,706

183,955

2021/2020

102,580

47,194

Prior

150,496

182,787

Revolving loans

5,855

6,900

Loans

1,064,625

1,119,063

541

Year-to-date gross charge-offs

541

$ 0

Commercial Real Estate [Member] | Pass [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

209,948

164,205

2024/2023

137,602

233,047

2023/2022

195,747

300,828

2022/2021

245,012

126,548

2021/2020

95,319

43,628

Prior

143,422

175,319

Revolving loans

5,372

6,417

Loans

1,032,422

1,049,992

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

LOANS HELD FOR INVESTMENT [Abstract]

2,825

7,343

32,243

166

441

Prior

1,095

5,464

Revolving loans

483

Loans

11,993

38,631

Commercial Real Estate [Member] | Substandard [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

360

2024/2023

2023/2022

5,101

147

2022/2021

1,613

25,164

2021/2020

7,095

3,125

Prior

5,979

2,004

Revolving loans

Loans

20,210

30,440

Commercial [Member] | Specialized [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

126,575

104,012

2024/2023

43,829

60,881

2023/2022

39,528

39,625

2022/2021

25,934

41,805

2021/2020

35,883

15,975

Prior

30,341

28,565

Revolving loans

107,261

98,092

Loans

409,351

388,955

Year-to-date gross charge-offs

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

122,003

103,288

2024/2023

35,559

60,881

2023/2022

38,159

37,940

2022/2021

24,081

41,721

2021/2020

32,943

15,678

Prior

29,452

28,488

Revolving loans

103,491

98,092

Loans

385,688

386,088

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

4,572

214

2024/2023

8,076

2023/2022

799

1,600

1,042

1,734

830

3,770

20,823

1,814

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

LOANS HELD FOR INVESTMENT [Abstract]

510

194

570

811

1,206

297

Prior

Revolving loans

Loans

2,840

1,053

Commercial [Member] | General [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

178,927

108,045

2024/2023

106,178

72,963

2023/2022

65,077

113,173

2022/2021

85,608

70,545

2021/2020

49,939

29,827

Prior

81,194

84,213

Revolving loans

92,400

78,605

Loans

659,323

557,371

2025/2024

2024/2023

245

199

2023/2022

164

466

2022/2021

116

2021/2020

Prior

245

134

Revolving loans

266

Year-to-date gross charge-offs

883

1,082

469

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

178,827

107,947

2024/2023

103,310

72,500

2023/2022

51,335

109,808

2022/2021

84,327

65,564

2021/2020

43,179

29,808

Prior

79,605

82,909

Revolving loans

92,158

78,321

Loans

632,741

546,857

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

2024/2023

2,110

2023/2022

12,127

960

2022/2021

554

2021/2020

1,011

Prior

473

499

Revolving loans

200

Loans

15,781

2,213

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

2024/2023

758

463

2023/2022

1,615

2,405

2022/2021

1,281

4,427

2021/2020

5,749

Prior

1,116

805

Revolving loans

242

Loans

10,801

8,301

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

LOANS HELD FOR INVESTMENT [Abstract]

27,912

12,521

6,704

7,014

2,223

4,096

1,534

62,004

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

95,891

87,266

2024/2023

72,939

101,832

2023/2022

94,342

150,642

2022/2021

139,197

92,986

2021/2020

83,139

49,282

Prior

100,333

78,542

Revolving loans

4,010

5,850

Loans

589,851

566,400

121

215

Year-to-date gross charge-offs

307

175

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

95,677

87,266

2024/2023

69,844

101,022

2023/2022

92,148

150,358

2022/2021

137,702

91,929

2021/2020

77,474

49,057

Prior

96,393

73,730

Revolving loans

4,010

5,800

Loans

573,248

559,162

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

LOANS HELD FOR INVESTMENT [Abstract]

621

428

5,061

6,110

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

214

2024/2023

3,095

810

2023/2022

1,573

284

2022/2021

1,067

1,057

2021/2020

604

225

Prior

3,940

4,812

Revolving loans

Loans

10,493

7,238

Consumer [Member] | Auto Loans [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

115,240

70,642

2024/2023

48,280

72,037

2023/2022

42,467

76,494

2022/2021

40,018

26,048

2021/2020

11,120

7,297

Prior

2,032

1,956

Revolving loans

Loans

259,157

254,474

2025/2024

2024/2023

243

386

2023/2022

367

519

2022/2021

477

198

2021/2020

198

Prior

Revolving loans

Year-to-date gross charge-offs

1,349

1,186

888

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

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

115,240

70,621

2024/2023

48,236

72,009

2023/2022

42,397

76,412

2022/2021

39,896

25,869

2021/2020

11,045

7,293

Prior

2,015

1,931

Revolving loans

Loans

258,829

254,135

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

LOANS HELD FOR INVESTMENT [Abstract]

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

LOANS HELD FOR INVESTMENT [Abstract]

122

179

328

339

Consumer [Member] | Other Consumer [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

27,928

23,665

2024/2023

12,534

12,969

2023/2022

6,704

14,798

2022/2021

7,030

5,524

2021/2020

2,233

1,232

Prior

4,129

5,424

Revolving loans

1,534

1,324

Loans

62,092

64,936

2025/2024

510

^[1]

469

^[2]

2024/2023

203

^[1]

308

^[2]

2023/2022

^[1]

245

^[2]

2022/2021

107

^[1]

^[2]

2021/2020

^[1]

^[2]

Prior

152

^[1]

145

^[2]

Revolving loans

^[1]

^[2]

Year-to-date gross charge-offs

1,066

^[1]

1,257

^[2]

1,140

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

LOANS HELD FOR INVESTMENT [Abstract]

23,665

12,969

14,790

5,477

1,232

5,382

1,324

64,839

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

LOANS HELD FOR INVESTMENT [Abstract]

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

LOANS HELD FOR INVESTMENT [Abstract]

Construction [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

71,154

65,920

2024/2023

24,768

31,762

2023/2022

3,611

2,652

2022/2021

570

2,630

891

100,103

103,855

315

Year-to-date gross charge-offs

315

$ 319

Construction [Member] | Pass [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

71,154

65,920

2024/2023

24,768

30,572

2023/2022

2,505

2,172

2022/2021

570

2,630

891

98,997

102,185

Construction [Member] | Special Mention [Member]

LOANS HELD FOR INVESTMENT [Abstract]

Construction [Member] | Substandard [Member]

LOANS HELD FOR INVESTMENT [Abstract]

2025/2024

2024/2023

1,190

2023/2022

1,106

480

$ 1,106

$ 1,670

[1]	Includes $498 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.

EARNINGS PER SHARE - Factors Used in Earnings Per Share Computation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
EARNINGS PER SHARE [Abstract]
Net income (in Dollars)	$ 58,471	$ 49,717	$ 62,745
Weighted average common shares outstanding - basic (in Shares)	16,283,804	16,410,336	16,843,753
Effect of dilutive securities:
Stock based compensation awards (in Shares)	699,263	621,002	489,459
Weighted average common shares outstanding - diluted (in Shares)	16,983,067	17,031,338	17,333,212
Basic earnings per share (in Dollars per share)	$ 3.59	$ 3.03	$ 3.73
Diluted earnings per share (in Dollars per share)	$ 3.44	$ 2.92	$ 3.62

- 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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+ Details

- Definition

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

+ References

+ Details

DERIVATIVES

12 Months Ended

Dec. 31, 2025

DERIVATIVES [Abstract]

DERIVATIVES

18. 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):

		Year Ended December 31,
Interest Rate Contracts	Location	2025			2024			2023
Change in fair value of interest rate swaps hedging investment securities	Other noninterest expense	$	(5,765	)	$	(1,133	)	$	(3,497	)
Change in fair value of hedged investment securities	Other noninterest expense		5,406			1,619			3,685

Change in fair value of interest rate swaps hedging fixed rate loans	Interest income - Loans		(181	)		57			(334	)
Change in fair value of hedged fixed rate loans	Interest income - Loans		181			24			335

The following table reflects the fair value hedges included in the Consolidated Balance Sheets as of December 31 (dollars in thousands):

	2025				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	$	2,030	$	24	$	11,803	$	205
Interest rate swaps related to state and municipal securities		117,860		9,730		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):

		For the Year Ended December 31,
	Location	2025			2024		2023
Gain (loss) on mortgage banking derivatives	Net gain (loss) on sales of loans	$	(135	)	$	264	$	(405	)

The following table reflects the amount and fair value of mortgage banking derivatives in the Consolidated Balance Sheets as of December 31 (dollars in thousands):

	December 31, 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	$	—	$	—	$	16,000	$	76
Interest rate lock commitments		16,127		216		12,937		222

Included in other liabilities:
Forward contracts related to mortgage loans held for sale	$	15,746	$	65	$	1,277	$	12
Interest rate lock commitments		—		—		—		—

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 December 31, 2025 and 2024, respectively. This amount is reported in other liabilities in the Consolidated Balance Sheets. The Company had advanced $1.1 million and $1.1 million to offset liability derivative positions on its interest rate swaps at December 31, 2025 and 2024, respectively. Additionally, the Company had advanced $270 thousand and $270 thousand on its mortgage forward contracts at December 31, 2025 and 2024, respectively. 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.

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+ Details

Accounting Policies, by Policy (Policies)

12 Months Ended

Dec. 31, 2025

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]

Nature of Operations

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

Consolidation

The consolidated financial statements 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

Use of Estimates

Reclassifications

Reclassifications – Certain amounts in the prior year consolidated financial statements have been reclassified to conform to the current presentation.

Concentration of Credit Risk

Comprehensive Income (Loss)

Cash and Cash Equivalents

Securities

ACL (AFS Securities)

Nonmarketable Equity Securities

Loans

ACL (Loans)

ACL (Off-Balance Sheet Credit Exposures)

Acquired Loans

Mortgage Servicing Rights

Transfers of Financial Assets

Loans Held for Sale

Premises and Equipment

Foreclosed Assets

Bank-Owned Life Insurance

Goodwill and Other Intangible Assets

Mortgage Banking Derivatives

Derivatives

Leases

Revenue Recognition

Service Charges on Deposit Accounts

Bank Card Services and Interchange Fees

Investment Commissions and Fiduciary Trust Fees

Gains/Losses on Sales of OREO

Contract Balances

Contract Acquisition Costs

Stock-Based Compensation

Advertising

Advertising – Advertising costs are recognized when incurred. Advertising costs during 2025, 2024, and 2023 were approximately $3.4 million, $3.3 million, and $2.9 million, respectively.

Income Taxes

The State of Texas franchise tax is an income tax for financial reporting purposes under GAAP and the Company and its subsidiaries are subject to the modified tax as a combined group.

Earnings per Share

Fair Values of Financial Instruments

Trust Assets

Recent Accounting Pronouncements

The impact on the ACL resulting from the adoption of the CECL model is shown below.

(Dollars in thousands)	January 1, 2023
	Pre-Adoption		Impact of Adoption			Post-Adoption
	Pre-Adoption		Impact of Adoption			Post-Adoption
Commercial real estate	$	13,029	$	827		$	13,856
Commercial – specialized		3,425		33			3,458
Commercial - general		9,215		(2,574	)		6,641
Consumer:
1-4 family residential		6,194		1,700			7,894
Auto loans		3,926		(332	)		3,594
Other consumer		1,376		(235	)		1,141
Construction		2,123		683			2,806

Total allowance for credit losses on loans	$	39,288	$	102		$	39,390

Allowance for credit losses for off-balance sheet exposures	$	580	$	1,160		$	1,740

Subsequent Events

GOODWILL AND INTANGIBLES (Details) - USD ($) $ in Thousands	12 Months Ended
GOODWILL AND INTANGIBLES (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
GOODWILL AND INTANGIBLES [Abstract]
Goodwill	$ 19,315	$ 19,315
Amortization expense of other intangibles	$ 600	$ 700	$ 1,000

- Definition

The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets.

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- 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

- 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.

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+ Details

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

12 Months Ended

Dec. 31, 2025

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

22. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The following table details the changes in accumulated other comprehensive income (loss) by component, net of tax for the periods indicated (dollars in thousands):

	Gains and (Losses) on Fair Value Hedges			Unrealized Gains and (Losses) on Securities Available for Sale			Total
For the Year Ended December 31, 2025
Beginning balance	$	11,881		$	(72,502	)	$	(60,621	)
Other comprehensive income (loss) before reclassification		(4,271	)		17,173			12,902
Amounts reclassified from other comprehensive		—			—			—
Net current period other comprehensive income (loss)		(4,271	)		17,173			12,902
Ending balance	$	7,610		$	(55,329	)	$	(47,719	)

For the Year Ended December 31, 2024
Beginning balance	$	13,160		$	(64,834	)	$	(51,674	)
Other comprehensive loss before reclassification		(1,279	)		(7,668	)		(8,947	)
Amounts reclassified from other comprehensive		—			—			—
Net current period other comprehensive loss		(1,279	)		(7,668	)		(8,947	)
Ending balance	$	11,881		$	(72,502	)	$	(60,621	)

For the Year Ended December 31, 2023
Beginning balance	$	16,072		$	(81,180	)	$	(65,108	)
Other comprehensive income (loss) before reclassification		(2,912	)		13,653			10,741
Amounts reclassified from other comprehensive		—			2,693			2,693
Net current period other comprehensive income (loss)		(2,912	)		16,346			13,434
Ending balance	$	13,160		$	(64,834	)	$	(51,674	)

Amounts reclassified are shown on the Consolidated Statements of Comprehensive Income.