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<!-- Created: Thu Mar 05 21:45:19 UTC 2026 -->
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        <link:definition>995304 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS&#8217; EQUITY</link:definition>
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        <link:definition>995306 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995307 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
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        <link:definition>995308 - Disclosure - MERGERS AND ACQUISITIONS</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995309 - Disclosure - SECURITIES</link:definition>
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        <link:definition>995310 - Disclosure - LOANS HELD FOR INVESTMENT</link:definition>
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        <link:definition>995311 - Disclosure - FORECLOSED ASSETS</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>995312 - Disclosure - PREMISES AND EQUIPMENT</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995313 - Disclosure - LEASES</link:definition>
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        <link:definition>995314 - Disclosure - GOODWILL AND INTANGIBLES</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995315 - Disclosure - MORTGAGE SERVICING RIGHTS</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995316 - Disclosure - DEPOSITS</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>995317 - Disclosure - BORROWING ARRANGEMENTS</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995318 - Disclosure - EMPLOYEE BENEFITS</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995319 - Disclosure - STOCK-BASED COMPENSATION</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995320 - Disclosure - INCOME TAXES</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/RELATEDPARTYTRANSACTIONS" id="spfi_r_RELATEDPARTYTRANSACTIONS">
        <link:definition>995321 - Disclosure - RELATED-PARTY TRANSACTIONS</link:definition>
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        <link:definition>995322 - Disclosure - OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995323 - Disclosure - CAPITAL AND REGULATORY MATTERS</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995324 - Disclosure - DERIVATIVES</link:definition>
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      <link:roleType roleURI="http://city.bank.com/role/PARENTCOMPANYONLYCONDENSEDFINANCIALINFORMATION" id="spfi_r_PARENTCOMPANYONLYCONDENSEDFINANCIALINFORMATION">
        <link:definition>995325 - Disclosure - PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995326 - Disclosure - EARNINGS PER SHARE</link:definition>
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        <link:definition>995327 - Disclosure - SEGMENT INFORMATION</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/ACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSS" id="spfi_r_ACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSS">
        <link:definition>995328 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)</link:definition>
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      <link:roleType roleURI="http://city.bank.com/role/FAIRVALUEDISCLOSURES" id="spfi_r_FAIRVALUEDISCLOSURES">
        <link:definition>995329 - Disclosure - FAIR VALUE DISCLOSURES</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>995330 - Disclosure - SUBSEQUENT EVENTS</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/AccountingPoliciesByPolicy" id="spfi_r_AccountingPoliciesByPolicy">
        <link:definition>996000 - Disclosure - Accounting Policies, by Policy (Policies)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables" id="spfi_r_SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables">
        <link:definition>996001 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)</link:definition>
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      <link:roleType roleURI="http://city.bank.com/role/SECURITIESTables" id="spfi_r_SECURITIESTables">
        <link:definition>996002 - Disclosure - SECURITIES (Tables)</link:definition>
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        <link:definition>996003 - Disclosure - LOANS HELD FOR INVESTMENT (Tables)</link:definition>
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      <link:roleType roleURI="http://city.bank.com/role/FORECLOSEDASSETSTables" id="spfi_r_FORECLOSEDASSETSTables">
        <link:definition>996004 - Disclosure - FORECLOSED ASSETS (Tables)</link:definition>
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      <link:roleType roleURI="http://city.bank.com/role/PREMISESANDEQUIPMENTTables" id="spfi_r_PREMISESANDEQUIPMENTTables">
        <link:definition>996005 - Disclosure - PREMISES AND EQUIPMENT (Tables)</link:definition>
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      <link:roleType roleURI="http://city.bank.com/role/LEASESTables" id="spfi_r_LEASESTables">
        <link:definition>996006 - Disclosure - LEASES (Tables)</link:definition>
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        <link:definition>996007 - Disclosure - GOODWILL AND INTANGIBLES (Tables)</link:definition>
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      <link:roleType roleURI="http://city.bank.com/role/MORTGAGESERVICINGRIGHTSTables" id="spfi_r_MORTGAGESERVICINGRIGHTSTables">
        <link:definition>996008 - Disclosure - MORTGAGE SERVICING RIGHTS (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>996009 - Disclosure - DEPOSITS (Tables)</link:definition>
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      <link:roleType roleURI="http://city.bank.com/role/BORROWINGARRANGEMENTSTables" id="spfi_r_BORROWINGARRANGEMENTSTables">
        <link:definition>996010 - Disclosure - BORROWING ARRANGEMENTS (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/STOCKBASEDCOMPENSATIONTables" id="spfi_r_STOCKBASEDCOMPENSATIONTables">
        <link:definition>996011 - Disclosure - STOCK-BASED COMPENSATION (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/INCOMETAXESTables" id="spfi_r_INCOMETAXESTables">
        <link:definition>996012 - Disclosure - INCOME TAXES (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIESTables" id="spfi_r_OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIESTables">
        <link:definition>996013 - Disclosure - OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/CAPITALANDREGULATORYMATTERSTables" id="spfi_r_CAPITALANDREGULATORYMATTERSTables">
        <link:definition>996014 - Disclosure - CAPITAL AND REGULATORY MATTERS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/DERIVATIVESTables" id="spfi_r_DERIVATIVESTables">
        <link:definition>996015 - Disclosure - DERIVATIVES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/PARENTCOMPANYONLYCONDENSEDFINANCIALINFORMATIONTables" id="spfi_r_PARENTCOMPANYONLYCONDENSEDFINANCIALINFORMATIONTables">
        <link:definition>996016 - Disclosure - PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/EARNINGSPERSHARETables" id="spfi_r_EARNINGSPERSHARETables">
        <link:definition>996017 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/ACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSTables" id="spfi_r_ACCUMULATEDOTHERCOMPREHENSIVEINCOMELOSSTables">
        <link:definition>996018 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/FAIRVALUEDISCLOSURESTables" id="spfi_r_FAIRVALUEDISCLOSURESTables">
        <link:definition>996019 - Disclosure - FAIR VALUE DISCLOSURES (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESDetails" id="spfi_r_SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESDetails">
        <link:definition>996020 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/AmortizedCostBasisofLoansbyCreditQualityIndicatorandOriginationYearandGrossChargeoffsTable" id="spfi_r_AmortizedCostBasisofLoansbyCreditQualityIndicatorandOriginationYearandGrossChargeoffsTable">
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      <link:roleType roleURI="http://city.bank.com/role/EstimatedAmountofAmortizationExpensetoBeRecognizedoverNextFiveYearsTable" id="spfi_r_EstimatedAmountofAmortizationExpensetoBeRecognizedoverNextFiveYearsTable">
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      <link:roleType roleURI="http://city.bank.com/role/KeyAssumptionsUsedinMeasuringFairValueofMortgageServicingRightsTable" id="spfi_r_KeyAssumptionsUsedinMeasuringFairValueofMortgageServicingRightsTable">
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      <link:roleType roleURI="http://city.bank.com/role/MaturitiesofTimeDepositsTable" id="spfi_r_MaturitiesofTimeDepositsTable">
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      <link:roleType roleURI="http://city.bank.com/role/OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIESDetails" id="spfi_r_OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIESDetails">
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  <xs:element name="PeriodOfRollingAverageOfHistoricalUsageUsedToDetermineUtilizationRates" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_PeriodOfRollingAverageOfHistoricalUsageUsedToDetermineUtilizationRates"/>
  <xs:element name="FeesAndCommissionsServicing" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FeesAndCommissionsServicing"/>
  <xs:element name="RecordedValueOfInterestLocksAtInception" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_RecordedValueOfInterestLocksAtInception"/>
  <xs:element name="RecordedValueOfForwardLoanSalesCommitmentsAtInception" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_RecordedValueOfForwardLoanSalesCommitmentsAtInception"/>
  <xs:element name="NumberOfCompanySharesToBeReceivedForEachShareOfBOHHoldingsShareHeld" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NumberOfCompanySharesToBeReceivedForEachShareOfBOHHoldingsShareHeld"/>
  <xs:element name="NumberOfSecuritiesHeldByIssuerInAmountGreaterThanTenPercentOfStockholdersEquity" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NumberOfSecuritiesHeldByIssuerInAmountGreaterThanTenPercentOfStockholdersEquity"/>
  <xs:element name="NumberOfSubCategoriesOfLoans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NumberOfSubCategoriesOfLoans"/>
  <xs:element name="NumberOfPointsOnAGradingScaleForLoans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NumberOfPointsOnAGradingScaleForLoans"/>
  <xs:element name="FinancingReceivableNonAccrualLoansWithDirectExposureAnalyzedForIndividualEvaluation" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivableNonAccrualLoansWithDirectExposureAnalyzedForIndividualEvaluation"/>
  <xs:element name="FinancingReceivableAccruingLoansWithDirectExposureCloselyMonitored" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivableAccruingLoansWithDirectExposureCloselyMonitored"/>
  <xs:element name="FinancingReceivablePastDueAccruingLoansCloselyMonitored" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePastDueAccruingLoansCloselyMonitored"/>
  <xs:element name="LesseeOperatingLeaseOptionToTerminateTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_LesseeOperatingLeaseOptionToTerminateTerm"/>
  <xs:element name="LesseeOperatingLeaseLeaseNotYetCommencedNumberOfLeases" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="spfi_LesseeOperatingLeaseLeaseNotYetCommencedNumberOfLeases"/>
  <xs:element name="ShortTermBorrowingsMaturityPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ShortTermBorrowingsMaturityPeriod"/>
  <xs:element name="DebtInstrumentNumberOfConsecutiveYearsDuringWhichInterestCanBeDeferred" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DebtInstrumentNumberOfConsecutiveYearsDuringWhichInterestCanBeDeferred"/>
  <xs:element name="DebtInstrumentRedemptionPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DebtInstrumentRedemptionPeriod"/>
  <xs:element name="DebtInstrumentTermOfFixedInterestRate" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DebtInstrumentTermOfFixedInterestRate"/>
  <xs:element name="DebtInstrumentVariableInterestRateFloor" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DebtInstrumentVariableInterestRateFloor"/>
  <xs:element name="DebtInstrumentVariableInterestRateCeiling" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DebtInstrumentVariableInterestRateCeiling"/>
  <xs:element name="RemainingMaturityPeriodDuringWhichDebtCanBeCalled" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_RemainingMaturityPeriodDuringWhichDebtCanBeCalled"/>
  <xs:element name="DefinedBenefitPlanPercentageOfParticipantSContributedForEmployerS100PercentMatchingCompensationContribution" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DefinedBenefitPlanPercentageOfParticipantSContributedForEmployerS100PercentMatchingCompensationContribution"/>
  <xs:element name="WaitingPeriodToBeEligibleUnderEmployeeHealthBenefitsPlanForNonOfficers" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_WaitingPeriodToBeEligibleUnderEmployeeHealthBenefitsPlanForNonOfficers"/>
  <xs:element name="RequiredWorkingHoursToBeEligibleToParticipateInHealthCareBenefitForEmployees" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_RequiredWorkingHoursToBeEligibleToParticipateInHealthCareBenefitForEmployees"/>
  <xs:element name="StopLossInsuranceAnnualLimitPerParticipant" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_StopLossInsuranceAnnualLimitPerParticipant"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAnnualIncreaseInSharesAuthorizedPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAnnualIncreaseInSharesAuthorizedPercentage"/>
  <xs:element name="LoansAndLeasesReceivableRelatedPartiesChargeOff" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_LoansAndLeasesReceivableRelatedPartiesChargeOff"/>
  <xs:element name="LoansHeldForSaleAggregateUnpaidPrincipalBalanceFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_LoansHeldForSaleAggregateUnpaidPrincipalBalanceFairValueDisclosure"/>
  <xs:element name="BOHHoldingsIncMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_BOHHoldingsIncMember"/>
  <xs:element name="BankSubsidiaryMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_BankSubsidiaryMember"/>
  <xs:element name="CBProvenceLLCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CBProvenceLLCMember"/>
  <xs:element name="CBTBrushyCreekLLCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CBTBrushyCreekLLCMember"/>
  <xs:element name="CBTPropertiesLLCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CBTPropertiesLLCMember"/>
  <xs:element name="ChicagoMercantileExchangeTermSecuredOvernightFinancingRateSOFRRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ChicagoMercantileExchangeTermSecuredOvernightFinancingRateSOFRRateMember"/>
  <xs:element name="CityBankMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CityBankMember"/>
  <xs:element name="CollateralDiscountsAndSellingCostsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CollateralDiscountsAndSellingCostsMember"/>
  <xs:element name="CommercialAndConstructionRealEstatePortfolioSegmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CommercialAndConstructionRealEstatePortfolioSegmentMember"/>
  <xs:element name="CommercialGeneralLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CommercialGeneralLoansMember"/>
  <xs:element name="CommercialSpecializedLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CommercialSpecializedLoansMember"/>
  <xs:element name="ConsumerOneToFourFamilyResidentialLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerOneToFourFamilyResidentialLoansMember"/>
  <xs:element name="ConsumerOtherLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerOtherLoansMember"/>
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  <xs:element name="EmployeeHealthBenefitsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_EmployeeHealthBenefitsMember"/>
  <xs:element name="EmployeeStockPurchasePlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_EmployeeStockPurchasePlanMember"/>
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  <xs:element name="ExecutiveSalaryContinuationPlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ExecutiveSalaryContinuationPlanMember"/>
  <xs:element name="FederalReserveBankOfDallasMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_FederalReserveBankOfDallasMember"/>
  <xs:element name="FinancingReceivables30To89DaysPastDueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivables30To89DaysPastDueMember"/>
  <xs:element name="JuniorSubordinatedDeferrableInterestDebenturesAndTrustPreferredSecuritiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_JuniorSubordinatedDeferrableInterestDebenturesAndTrustPreferredSecuritiesMember"/>
  <xs:element name="MortgageBankingDerivativesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_MortgageBankingDerivativesMember"/>
  <xs:element name="MortgageForwardContractsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_MortgageForwardContractsMember"/>
  <xs:element name="MultipleBanksMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_MultipleBanksMember"/>
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  <xs:element name="O2026Q1DividendsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_O2026Q1DividendsMember"/>
  <xs:element name="OtherNoninterestExpenseMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_OtherNoninterestExpenseMember"/>
  <xs:element name="PaymentDelayTermExtensionAndInterestRateReductionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_PaymentDelayTermExtensionAndInterestRateReductionMember"/>
  <xs:element name="RetirementPlan401KMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_RetirementPlan401KMember"/>
  <xs:element name="RuidosoRetailIncMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_RuidosoRetailIncMember"/>
  <xs:element name="SouthPlainsFinancialCapitalTrustIIIMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SouthPlainsFinancialCapitalTrustIIIMember"/>
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  <xs:element name="SouthPlainsFinancialCapitalTrustVMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SouthPlainsFinancialCapitalTrustVMember"/>
  <xs:element name="SouthPlainsFinancialCapitalTrustsSPFCTIIIVMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SouthPlainsFinancialCapitalTrustsSPFCTIIIVMember"/>
  <xs:element name="SubordinatedDebtSecuritiesIssuedInDecember2018Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SubordinatedDebtSecuritiesIssuedInDecember2018Member"/>
  <xs:element name="SubordinatedDebtSecuritiesIssuedInSeptember292020Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SubordinatedDebtSecuritiesIssuedInSeptember292020Member"/>
  <xs:element name="TermExtensionAndPaymentDelayMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_TermExtensionAndPaymentDelayMember"/>
  <xs:element name="ThirdPartyAppraisalsOrInspectionsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ThirdPartyAppraisalsOrInspectionsMember"/>
  <xs:element name="WindmarkInsuranceAgencyIncMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_WindmarkInsuranceAgencyIncMember"/>
  <xs:element name="CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationEffectOfReconcilingItemsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_EffectiveIncomeTaxRateReconciliationEffectOfReconcilingItemsAbstract"/>
  <xs:element name="FairValueOfAssetsMeasuredOnNonRecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_FairValueOfAssetsMeasuredOnNonRecurringBasisAbstract"/>
  <xs:element name="InterestIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_InterestIncomeAbstract"/>
  <xs:element name="OtherComprehensiveIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_OtherComprehensiveIncomeAbstract"/>
  <xs:element name="ProceedsFromPaymentsToSaleAndMaturityOfDebtSecuritiesAvailableForSaleAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ProceedsFromPaymentsToSaleAndMaturityOfDebtSecuritiesAvailableForSaleAbstract"/>
  <xs:element name="RightOfUseAssetsObtainedInExchangeForNewLeaseObligationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_RightOfUseAssetsObtainedInExchangeForNewLeaseObligationsAbstract"/>
  <xs:element name="SecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SecuritiesAbstract"/>
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</xs:schema>
