SPFI: the balance sheet

MyFinsight

For the year ending 2025-12-31, SPFI has $4,480,500K in assets. $3,986,663K in debts. $552,439K in cash and cash equivalents.

Balance Sheets	2025-12-31
Cash and due from banks	58,318
Interest-bearing deposits in banks	494,121
Cash and cash equivalents	552,439
Securities available for sale	567,540
Loans held for sale (7,796 and 13,791 at fair value at december 31, 2025 and 2024, respectively)	9,993
Loans held for investment	3,144,502
Allowance for credit losses on loans	45,131
Loans held for investment, net	3,099,371
Accrued interest receivable	20,931
Premises and equipment, gross	126,637
Less accumulated depreciation	75,074
Premises and equipment, net	51,563
Bank-owned life insurance	77,694
Goodwill	19,315
Intangible assets, net	1,133
Mortgage servicing rights	24,041
Deferred tax asset, net	20,433
Other assets	36,047
Total assets	4,480,500

Noninterest-bearing	1,023,517
Interest-bearing	2,850,560
Total deposits	3,874,077
Accrued expenses and other liabilities	52,093
Subordinated debt	14,100
Junior subordinated deferrable interest debentures	46,393
Total liabilities	3,986,663
Common stock, 1.00 par value per share, 30,000,000 shares authorized 16,293,577 and 16,455,826 issued and outstanding at december 31, 2025 and 2024, respectively	16,294
Additional paid-in capital	91,065
Retained earnings	434,197
Accumulated other comprehensive loss	-47,719
Total stockholders equity	493,837
Total liabilities and stockholders equity	4,480,500

Unit: Thousand (K) dollars (except for numbers of shares and EPS).