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  "docSlug": "aecff4b89c0a292ec99bf5d65708a5f8",
  "documentTitle": "South Plains Financial | Investor Presentation Deck | 35 slides",
  "authorId": "south-plains-financial",
  "authorName": "South Plains Financial",
  "documentKindSlug": "pitchdeck",
  "documentKindLabel": "Pitch deck",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2021-12-01 00:00:00",
  "orientation": "landscape",
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  "pageNumber": 12,
  "pageCount": 35,
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  "slideType": "key_messages",
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  "density": "dense",
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  "notes": "The slide uses a grid of red boxes to highlight key pillars of their credit philosophy.",
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  "slideHref": "/slides/019de071-ef43-70a7-b3c1-3fbc7e91ccd5/12",
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  "components": [
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      "kind": "callout",
      "text": "These components, together with active credit management, are the foundation of our credit culture, which we believe is critical to enhancing the long-term value of our organization to our shareholders, customers, employees, and communities",
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      "text": "We have a service-driven, relationship-based, business-focused credit culture, rather than a price-driven, transaction-based culture. Substantially all of our loans are made to borrowers located, or operating, in our primary market areas with whom we have ongoing relationships across various product lines. The few loans secured by properties outside of our primary market areas were made to borrowers who are otherwise well-known to us. We adhere to what we believe are disciplined underwriting standards, but also remain cognizant of serving the credit needs of customers in our primary market areas by offering flexible loan solutions in a responsive and timely manner. Our lending policies do not provide for loans that are highly speculative, subprime, or that have high loan-to-value ratios. We maintain asset quality through an emphasis on the following:",
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      "kind": "other",
      "text": "Local market knowledge, Long-term customer relationships, Consistent and thorough underwriting, Conservative Credit Culture, Loan Portfolio Diversity, Relationship Focused",
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      "text": "Source: Company documents",
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      "kind": "title",
      "text": "Our Credit Culture",
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      "beatName": "Problem & Complication",
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      "evidence": "The unfair advantage and credit culture sections highlight the company's unique strengths and challenges.",
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      "evidence": "The unfair advantage and credit culture sections imply that not investing could mean missing out on a unique opportunity.",
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