Other Events. On July 16, 2026, the Company issued a press release announcing the declaration of a quarterly cash dividend of $0.18 per share on its outstanding common stock. The dividend will be paid on August 10, 2026 to shareholders of record as of the close of business on July 27, 2026. A copy of the Company’s press release covering such announcement is attached to this Current Report on Form 8-K as Exhibit 99.3 and is incorporated herein by reference.

Results of Operations and Financial Condition. On July 17, 2026, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the second quarter ended June 30, 2026 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Termination of a Material Definitive Agreement. The Board of Directors (the “Board”) of South Plains Financial, Inc. (the “Company”) routinely assesses the Company’s corporate governance function on an ongoing basis, including composition and succession strategy for the Board and management, as well as the rights of its principal shareholders. As part of that assessment, the Company is announcing a transition within its management team as described in

Chief Executive Officer — Curtis C. Griffith: Mr. Curtis C. Griffith is retiring as Chief Executive Officer and transitioning to an advisory role, with Mr. Cory T. Newsom appointed as the new CEO.

Results of Operations and Financial Condition. On April 28, 2026, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the first quarter ended March 31, 2026 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Other Events. On April 16, 2026, South Plains Financial, Inc. issued a press release announcing the declaration of a quarterly cash dividend of $0.17 per share on its outstanding common stock. The dividend will be paid on May 11, 2026 to shareholders of record as of the close of business on April 27, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Completion of Acquisition or Disposition of Assets. As previously announced, on December 1, 2025, South Plains Financial, Inc., a Texas corporation (“SPFI”), and BOH Holdings, Inc., a Texas corporation (“BOH”), entered into an Agreement and Plan of Reorganization (the “Reorganization Agreement”), providing for the acquisition by SPFI of BOH through the merger of BOH with and into SPFI, with SPFI surviving the merger (the “Merger”). The Merger was completed effective as of April 1, 2026. Immed…

Houston Market President – BOH — Mr. James D. Stein: Mr. James D. Stein was appointed to the SPFI Board and City Bank Board, and entered into an employment agreement with City Bank as Houston Market President – BOH.

Other Events. On February 18, 2026, the Board of Directors (the “Board”) of South Plains Financial, Inc. (the “Company”) approved a new stock repurchase program for up to $10.0 million of the outstanding shares of the Company’s common stock (the “Stock Repurchase Program”). The Stock Repurchase Program will conclude on February 23, 2027, subject to the earlier termination or extension of the Stock Repurchase Program by the Board or the $10.0 million designated for the Stock Repurchase Program…

Results of Operations and Financial Condition. On January 26, 2026, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2025 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Other Events. On January 22, 2026, South Plains Financial, Inc. issued a press release announcing the declaration of a quarterly cash dividend of $0.17 per share on its outstanding common stock. The dividend will be paid on February 17, 2026 to shareholders of record as of the close of business on February 2, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Entry into a Material Definitive Agreement. On December 1, 2025, South Plains Financial, Inc., a Texas corporation (“SPFI”), and BOH Holdings, Inc., a Texas corporation (“BOH”), entered into an Agreement and Plan of Reorganization (the “Reorganization Agreement”), providing for the acquisition by SPFI of BOH through the merger of BOH with and into SPFI, with SPFI surviving the merger (the “Merger”). Pursuant to the terms and subject to the conditions of the Reorganization Agreement, which has…

Results of Operations and Financial Condition. On October 23, 2025, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the third quarter ended September 30, 2025 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Other Events. On October 16, 2025, South Plains Financial, Inc. issued a press release announcing the declaration of a quarterly cash dividend of $0.16 per share on its outstanding common stock. The dividend will be paid on November 10, 2025 to shareholders of record as of the close of business on October 27, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On July 17, 2025, South Plains Financial, Inc. issued a press release announcing the declaration of a quarterly cash dividend of $0.16 per share on its outstanding common stock. The dividend will be paid on August 11, 2025 to shareholders of record as of the close of business on July 28, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On July 16, 2025, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the second quarter ended June 30, 2025 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Results of Operations and Financial Condition. On April 24, 2025, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the first quarter ended March 31, 2025 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Other Events. On April 17, 2025, South Plains Financial, Inc. issued a press release announcing the declaration of a quarterly cash dividend of $0.15 per share on its outstanding common stock. The dividend will be paid on May 12, 2025 to shareholders of record as of the close of business on April 28, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On February 21, 2025, the Board of Directors (the “Board”) of South Plains Financial, Inc. (the “Company”) approved a new stock repurchase program for up to $15.0 million of the outstanding shares of the Company’s common stock (the “Stock Repurchase Program”). The Stock Repurchase Program will conclude on February 21, 2026, subject to the earlier termination or extension of the Stock Repurchase Program by the Board or the $15.0 million designated for the Stock Repurchase Program…

Other Events. On January 23, 2025, South Plains Financial, Inc. issued a press release announcing the declaration of a quarterly cash dividend of $0.15 per share on its outstanding common stock. The dividend will be paid on February 18, 2025 to shareholders of record as of the close of business on February 3, 2025. A copy of the press release is attached hereto as Exhibit 99.3 and is incorporated herein by reference.

Results of Operations and Financial Condition. On January 24, 2025, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2024 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Results of Operations and Financial Condition. On October 23, 2024, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the third quarter ended September 30, 2024 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Other Events. On October 17, 2024, South Plains Financial, Inc. issued a press release announcing the declaration of a quarterly cash dividend of $0.15 per share on its outstanding common stock. The dividend will be paid on November 12, 2024 to shareholders of record as of the close of business on October 28, 2024. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On July 18, 2024, South Plains Financial, Inc. (the “Company”) issued a press release announcing its financial results for the second quarter ended June 30, 2024 . A copy of the Company’s press release covering such announcement and certain other matters is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Other Events. On July 18, 2024, South Plains Financial, Inc. issued a press release announcing the declaration of a quarterly cash dividend of $0.14 per share on its outstanding common stock. The dividend will be paid on August 12, 2024 to shareholders of record as of the close of business on July 29, 2024. A copy of the press release is attached hereto as Exhibit 99.3 and is incorporated herein by reference.