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  "documentTitle": "South Plains Financial | Investor Presentation Deck | 35 slides",
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  "authorName": "South Plains Financial",
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  "presentationDate": "2021-12-01 00:00:00",
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  "notes": "The slide uses a hub-and-spoke logic for capital allocation between community and metropolitan markets.",
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      "text": "As we put our excess liquidity to work in organic loan growth, we expect to see margins expand, earnings growth accelerate, and our returns improve.",
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      "text": "We are actively recruiting additional lenders from other institutions with the goal of adding 20 lenders to our 60 lender team over a two-year timeframe. We are actively hiring in all of our markets with a focus on Dallas and Houston where we have commercial loan offices.",
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      "text": "We focus on leveraging our banking platform in our metropolitan markets of Dallas, Houston and El Paso, where we target customers looking for our relationship-based approach to banking and our sophisticated products and services",
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      "text": "Our strategy is to continue gathering low-cost deposits in smaller, non-metropolitan markets and deploy our excess funds in larger, more dynamic lending markets, where we have had strong success",
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      "text": "1. Includes three Dallas, TX branches, two El Paso, TX branches, and one Houston, TX branch\n2. Includes ten branches in the Lubbock/South Plains, TX market area, six branches in the Permian Basin, TX, two branches in Ruidoso, NM, and one branch in Bryan/College Station, TX\n3. Deposit and Loan data as of September 30, 2021",
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      "text": "Metropolitan Markets: Deposits $646,109 (20.1%), Loans $700,000 (28.8%), L/D 108.3%. Community Markets: Deposits $2,566,136 (79.9%), Loans $1,729,041 (71.2%), L/D 67.4%.",
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      "text": "Homegrown Returns",
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