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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": "2022-03-01 00:00:00",
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  "notes": "The slide highlights a hub-and-spoke model where community markets provide liquidity for metropolitan lending.",
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      "kind": "list",
      "text": "We focus on leveraging our banking platform in our metropolitan markets of Dallas, Houston and El Paso... Our strategy is to continue gathering low-cost deposits in smaller, non-metropolitan markets...",
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      "text": "We are actively recruiting additional lenders... As we put our excess liquidity to work in organic loan growth, we anticipate an expansion of our net interest margin...",
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      "text": "1. Includes three Dallas, TX branches, two El Paso, TX branches, and one Houston, TX branch. 2. 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. 3. Deposit and Loan data as of December 30, 2021",
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      "text": "Metropolitan Markets: $682,166 (20.4%) Deposits, $737,503 (30.0%) Loans, 108.1% L/D. Community Markets: $2,659,056 (79.6%) Deposits, $1,700,074 (70.0%) Loans, 63.9% L/D.",
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      "text": "Homegrown Returns",
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