South Plains Financial, Inc..
SPFI.US | Other monetary intermediation
South Plains Financial, Inc. operates as the bank holding company for City Bank. The bank provides a range of commercial banking services to small and medium-sized businesses, as well as individuals. These services include deposit accounts, loans (commercial, agricultural, real estate, and consumer)...Show More
Better Health for All
0
The company's core banking products and services have no significant direct positive or negative health impact. While the company supports organizations like the South Plains Food Bank, which serves over 57,000 individuals annually, and offers financial literacy programs to vulnerable populations,
1
there is no evidence to quantify the percentage of vulnerable populations reached with direct health-related services. The company provides a comprehensive wellness program for employees, including health screenings and access to mental health resources, and offered ten extra COVID-19 relief days.
2
However, these are internal employee benefits and not direct health services to the public. The company also provides financial literacy education to students through partnerships, delivering 1,257 hours of learning to 502 students in 2024, and employees volunteered 90 hours to teach financial literacy,
3
but this is not direct healthcare education.
Fair Money & Economic Opportunity
-30
The company's average yield on loans was 6.79% for the fourth quarter of 2025.
1
Its total CRA lending, which includes small farm, small business, and community development loans, amounted to $410 million.
2
This represents 13.06% of its $3.14 billion loan portfolio as of Q4 2025.
3
The company routinely posts information for investors on its website, but there is no evidence of open-banking APIs or customer data portability.
4
Tangible book value per share increased by 14.4% to $29.05 at December 31, 2025, but there is no direct evidence of credit score rise, savings growth, or homeownership for customers.
5
The company provided 1,257 hours of financial literacy learning to 502 students in 2024 and its employees volunteered 90 hours for financial literacy programming.
6
Rural markets account for 80% of the company's total deposit base, while metro markets account for 20%.
7
Fair Pay & Worker Respect
20
For fiscal year 2024, SPFI.US's CEO-to-median-employee pay ratio was 47:1, based on a CEO compensation of $2,070,123 and a median employee pay of $44,029.
1
No specific, concrete data points were found for other KPIs related to Fair Pay & Worker Respect for SPFI.US.
Fair Trade & Ethical Sourcing
0
South Plains Financial, Inc. operates as a bank holding company, providing financial services rather than procuring or trading physical commodities. The provided articles, including community impact reports and a code of conduct, do not contain specific, quantifiable data points relevant to fair trade certifications, supplier audit frequencies for ethical sourcing, forced or child labor incidents in a supply chain, traceability of materials, remediation speed for supplier violations, ethical sourcing clauses in supplier contracts, spend on high-risk materials, or supplier diversity spend.
1
Therefore, all KPIs related to fair trade and ethical sourcing are omitted due to a lack of applicable evidence for a financial institution's business model.
Honest & Fair Business
0
The provided article is a high-level overview of South Plains Financial's corporate governance documents, which include a whistleblower policy and a code of conduct.
1
However, it explicitly states that no specific details or quantitative data are provided for any of the requested metrics.
2
The document notes significant data gaps, preventing the assessment of any KPI against the rubric's quantitative thresholds.
3
Kind to Animals
0
South Plains Financial, Inc. is a financial institution providing banking services. Its core business model does not involve products, animal testing, animal agriculture, or the use of animal-derived ingredients.
1
Consequently, all KPIs related to cruelty-free certification, alternative testing, humane certifications, ethical input substitution, supplier audits for animal welfare, cage-free sourcing, animal testing policy and volume, innovation in animal-free technologies, and animal agriculture ethics are not applicable to its operations.
2
While the company releases ESG reports and engages in general public policy and community support, there is no specific evidence of engagement in animal welfare policy or measurable wildlife conservation impact.
3
No War, No Weapons
0
The provided articles, primarily a financial report, do not contain any information regarding SPFI.US's involvement in arms contracts, dual-use technology, sales to embargoed regimes, peacebuilding investment, conflict divestment policy, board oversight of defense activities, export certifications, lobbying, humanitarian procurement compliance, human rights due diligence, Arms Trade Treaty compliance, AI military safeguards, UNGP alignment, dual-use screening, surveillance transparency, ethical red lines, zero exposure to controversial weapons, war risk audits, annual conflict partner reviews, defense divestment, conflict mineral certifications, peace technology investment, or conflict zone procurement.
1
The second article was inaccessible, yielding no data.
2
Planet-Friendly Business
0
No evidence available to assess South Plains Financial, Inc. on Planet-Friendly Business.
Respect for Cultures & Communities
0
The provided articles describe South Plains Financial, Inc.'s general community involvement through its subsidiary City Bank, including the Community Rewards program which donates to local charities and nonprofits.
1
The company also reports on significant loans provided for small businesses, farms, and community development, as well as employee volunteer hours.
2
However, none of the articles contain specific, quantitative data points that directly address the defined Key Performance Indicators for 'Respect for Cultures & Communities,' such as formal partnerships with indigenous or local community groups, cultural appropriation incidents, cultural impact assessment protocols, or specific investments in cultural preservation. Therefore, no KPIs can be scored based on the evidence provided.
Safe & Smart Tech
-20
South Plains Financial, Inc. (SPFI) demonstrates a basic commitment to data protection and cybersecurity, as indicated by its compliance with federal and state regulations and the implementation of an information security awareness program and a vulnerability management program
1
. However, there is no available information regarding AI ethics governance, cybersecurity investment as a percentage of revenue, privacy certifications, or other key metrics. While a data breach occurred at South Plains Implement, a John Deere dealer
2
,
3
, it is a separate entity and only indirectly raises concerns about SPFI's security posture. Given the limited evidence, a conservative score is warranted.
4
,
5
,
6
Zero Waste & Sustainable Products
-40
The company implemented one waste reduction initiative, recycling over 62 tons of paper and technology equipment in 2023.
1
In 2022, over 56 tons of paper and equipment were recycled.
2