<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Thu Aug 06 21:04:57 UTC 2026 -->
<xs:schema elementFormDefault="qualified" xmlns:srt-types="http://fasb.org/srt-types/2026" targetNamespace="http://city.bank.com/20260630" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://fasb.org/us-types/2026" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:spfi="http://city.bank.com/20260630">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="spfi-20260630_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="spfi-20260630_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="spfi-20260630_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="spfi-20260630_cal.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef"/>
      <link:roleType roleURI="http://city.bank.com/role/ConsolidatedBalanceSheet" id="spfi_r_ConsolidatedBalanceSheet">
        <link:definition>001 - Statement - CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ConsolidatedBalanceSheet_Parentheticals" id="spfi_r_ConsolidatedBalanceSheet_Parentheticals">
        <link:definition>002 - Statement - CONSOLIDATED BALANCE SHEETS (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ConsolidatedIncomeStatement" id="spfi_r_ConsolidatedIncomeStatement">
        <link:definition>003 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ShareholdersEquityType2or3" id="spfi_r_ShareholdersEquityType2or3">
        <link:definition>004 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ShareholdersEquityType2or3_Parentheticals" id="spfi_r_ShareholdersEquityType2or3_Parentheticals">
        <link:definition>005 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ConsolidatedCashFlow" id="spfi_r_ConsolidatedCashFlow">
        <link:definition>006 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES" id="spfi_r_SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES">
        <link:definition>007 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BUSINESSCOMBINATIONS" id="spfi_r_BUSINESSCOMBINATIONS">
        <link:definition>008 - Disclosure - BUSINESS COMBINATIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SECURITIES" id="spfi_r_SECURITIES">
        <link:definition>009 - Disclosure - SECURITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/LOANSHELDFORINVESTMENT" id="spfi_r_LOANSHELDFORINVESTMENT">
        <link:definition>010 - Disclosure - LOANS HELD FOR INVESTMENT</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/GOODWILLANDINTANGIBLES" id="spfi_r_GOODWILLANDINTANGIBLES">
        <link:definition>011 - Disclosure - GOODWILL AND INTANGIBLES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/MORTGAGESERVICINGRIGHTS" id="spfi_r_MORTGAGESERVICINGRIGHTS">
        <link:definition>012 - Disclosure - MORTGAGE SERVICING RIGHTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BORROWINGARRANGEMENTS" id="spfi_r_BORROWINGARRANGEMENTS">
        <link:definition>013 - Disclosure - BORROWING ARRANGEMENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/STOCKBASEDCOMPENSATION" id="spfi_r_STOCKBASEDCOMPENSATION">
        <link:definition>014 - Disclosure - STOCK-BASED COMPENSATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIES" id="spfi_r_OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIES">
        <link:definition>015 - Disclosure - OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/CAPITALANDREGULATORYMATTERS" id="spfi_r_CAPITALANDREGULATORYMATTERS">
        <link:definition>016 - Disclosure - CAPITAL AND REGULATORY MATTERS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/DERIVATIVES" id="spfi_r_DERIVATIVES">
        <link:definition>017 - Disclosure - DERIVATIVES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/EARNINGSPERSHARE" id="spfi_r_EARNINGSPERSHARE">
        <link:definition>018 - Disclosure - EARNINGS PER SHARE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SEGMENTINFORMATION" id="spfi_r_SEGMENTINFORMATION">
        <link:definition>019 - Disclosure - SEGMENT INFORMATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FAIRVALUEDISCLOSURES" id="spfi_r_FAIRVALUEDISCLOSURES">
        <link:definition>020 - Disclosure - FAIR VALUE DISCLOSURES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SUBSEQUENTEVENTS" id="spfi_r_SUBSEQUENTEVENTS">
        <link:definition>021 - Disclosure - SUBSEQUENT EVENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/AccountingPoliciesByPolicy" id="spfi_r_AccountingPoliciesByPolicy">
        <link:definition>996000 - Disclosure - Accounting Policies, by Policy (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables" id="spfi_r_SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables">
        <link:definition>996001 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BUSINESSCOMBINATIONSTables" id="spfi_r_BUSINESSCOMBINATIONSTables">
        <link:definition>996002 - Disclosure - BUSINESS COMBINATIONS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SECURITIESTables" id="spfi_r_SECURITIESTables">
        <link:definition>996003 - Disclosure - SECURITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/LOANSHELDFORINVESTMENTTables" id="spfi_r_LOANSHELDFORINVESTMENTTables">
        <link:definition>996004 - Disclosure - LOANS HELD FOR INVESTMENT (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/GOODWILLANDINTANGIBLESTables" id="spfi_r_GOODWILLANDINTANGIBLESTables">
        <link:definition>996005 - Disclosure - GOODWILL AND INTANGIBLES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/MORTGAGESERVICINGRIGHTSTables" id="spfi_r_MORTGAGESERVICINGRIGHTSTables">
        <link:definition>996006 - Disclosure - MORTGAGE SERVICING RIGHTS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/STOCKBASEDCOMPENSATIONTables" id="spfi_r_STOCKBASEDCOMPENSATIONTables">
        <link:definition>996007 - Disclosure - STOCK-BASED COMPENSATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIESTables" id="spfi_r_OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIESTables">
        <link:definition>996008 - Disclosure - OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/CAPITALANDREGULATORYMATTERSTables" id="spfi_r_CAPITALANDREGULATORYMATTERSTables">
        <link:definition>996009 - Disclosure - CAPITAL AND REGULATORY MATTERS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/DERIVATIVESTables" id="spfi_r_DERIVATIVESTables">
        <link:definition>996010 - Disclosure - DERIVATIVES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/EARNINGSPERSHARETables" id="spfi_r_EARNINGSPERSHARETables">
        <link:definition>996011 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FAIRVALUEDISCLOSURESTables" id="spfi_r_FAIRVALUEDISCLOSURESTables">
        <link:definition>996012 - Disclosure - FAIR VALUE DISCLOSURES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SubsidiariesInformationTable" id="spfi_r_SubsidiariesInformationTable">
        <link:definition>996013 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Subsidiaries Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BUSINESSCOMBINATIONSDetails" id="spfi_r_BUSINESSCOMBINATIONSDetails">
        <link:definition>996014 - Disclosure - BUSINESS COMBINATIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FairValueofAssetsAcquiredandLiabilitiesAssumedTable" id="spfi_r_FairValueofAssetsAcquiredandLiabilitiesAssumedTable">
        <link:definition>996015 - Disclosure - BUSINESS COMBINATIONS - Fair Value of Assets Acquired and Liabilities Assumed (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FairValueandUnpaidPrincipalBalanceofAcquiredLoansTable" id="spfi_r_FairValueandUnpaidPrincipalBalanceofAcquiredLoansTable">
        <link:definition>996016 - Disclosure - BUSINESS COMBINATIONS - Fair Value and Unpaid Principal Balance of Acquired Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ProFormaInformationTable" id="spfi_r_ProFormaInformationTable">
        <link:definition>996017 - Disclosure - BUSINESS COMBINATIONS - Pro Forma Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SECURITIESDetails" id="spfi_r_SECURITIESDetails">
        <link:definition>996018 - Disclosure - SECURITIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/AmortizedCostandFairValueofSecuritieswithGrossUnrealizedGainsandLossesTable" id="spfi_r_AmortizedCostandFairValueofSecuritieswithGrossUnrealizedGainsandLossesTable">
        <link:definition>996019 - Disclosure - SECURITIES - Amortized Cost and Fair Value of Securities with Gross Unrealized Gains and Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/AmortizedCostandFairValueofSecuritiesbyContractualMaturityTable" id="spfi_r_AmortizedCostandFairValueofSecuritiesbyContractualMaturityTable">
        <link:definition>996020 - Disclosure - SECURITIES - Amortized Cost and Fair Value of Securities by Contractual Maturity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SecuritieswithUnrealizedLossesSegregatedbythePeriodinaLossPositionTable" id="spfi_r_SecuritieswithUnrealizedLossesSegregatedbythePeriodinaLossPositionTable">
        <link:definition>996021 - Disclosure - SECURITIES - Securities with Unrealized Losses Segregated by the Period in a Loss Position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/LOANSHELDFORINVESTMENTDetails" id="spfi_r_LOANSHELDFORINVESTMENTDetails">
        <link:definition>996022 - Disclosure - LOANS HELD FOR INVESTMENT (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SummaryofLoansHeldforInvestmentbyCategoryTable" id="spfi_r_SummaryofLoansHeldforInvestmentbyCategoryTable">
        <link:definition>996023 - Disclosure - LOANS HELD FOR INVESTMENT - Summary of Loans Held for Investment by Category (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ActivityinACLforLoansandInvestmentinLoansDisaggregatedBasedonMethodofEvaluatingImpairmentTable" id="spfi_r_ActivityinACLforLoansandInvestmentinLoansDisaggregatedBasedonMethodofEvaluatingImpairmentTable">
        <link:definition>996024 - Disclosure - LOANS HELD FOR INVESTMENT - Activity in ACL for Loans and Investment in Loans Disaggregated Based on Method of Evaluating Impairment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/AgeAnalysisonAccruingPastdueLoansandNonaccrualLoansTable" id="spfi_r_AgeAnalysisonAccruingPastdueLoansandNonaccrualLoansTable">
        <link:definition>996025 - Disclosure - LOANS HELD FOR INVESTMENT - Age Analysis on Accruing Past-due Loans and Nonaccrual Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/AmortizedCostBasisinLoansbyCreditQualityIndicatorandOriginationYearandGrossChargeoffsTable" id="spfi_r_AmortizedCostBasisinLoansbyCreditQualityIndicatorandOriginationYearandGrossChargeoffsTable">
        <link:definition>996026 - Disclosure - LOANS HELD FOR INVESTMENT - Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year and Gross Charge-offs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/AmortizedCostBasisofLoansModifiedtoBorrowersExperiencingFinancialDifficultyandFinancialEffectsofLoanModificationsTable" id="spfi_r_AmortizedCostBasisofLoansModifiedtoBorrowersExperiencingFinancialDifficultyandFinancialEffectsofLoanModificationsTable">
        <link:definition>996027 - Disclosure - LOANS HELD FOR INVESTMENT - Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/GOODWILLANDINTANGIBLESDetails" id="spfi_r_GOODWILLANDINTANGIBLESDetails">
        <link:definition>996028 - Disclosure - GOODWILL AND INTANGIBLES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/OtherIntangibleAssetsTable" id="spfi_r_OtherIntangibleAssetsTable">
        <link:definition>996029 - Disclosure - GOODWILL AND INTANGIBLES - Other Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ChangeinFairValueofMortgageServicingRightsAssetandOtherInformationTable" id="spfi_r_ChangeinFairValueofMortgageServicingRightsAssetandOtherInformationTable">
        <link:definition>996030 - Disclosure - MORTGAGE SERVICING RIGHTS - Change in Fair Value of Mortgage Servicing Rights Asset and Other Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/KeyAssumptionsUsedinMeasuringFairValueofMortgageServicingRightsTable" id="spfi_r_KeyAssumptionsUsedinMeasuringFairValueofMortgageServicingRightsTable">
        <link:definition>996031 - Disclosure - MORTGAGE SERVICING RIGHTS - Key Assumptions Used in Measuring Fair Value of Mortgage Servicing Rights (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/BORROWINGARRANGEMENTSDetails" id="spfi_r_BORROWINGARRANGEMENTSDetails">
        <link:definition>996032 - Disclosure - BORROWING ARRANGEMENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/STOCKBASEDCOMPENSATIONDetails" id="spfi_r_STOCKBASEDCOMPENSATIONDetails">
        <link:definition>996033 - Disclosure - STOCK-BASED COMPENSATION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/StockOptionsActivityTable" id="spfi_r_StockOptionsActivityTable">
        <link:definition>996034 - Disclosure - STOCK-BASED COMPENSATION - Stock Options Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FairValueAssumptionsTable" id="spfi_r_FairValueAssumptionsTable">
        <link:definition>996035 - Disclosure - STOCK-BASED COMPENSATION - Fair Value Assumptions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/RestrictedStockAwardsandUnitsTable" id="spfi_r_RestrictedStockAwardsandUnitsTable">
        <link:definition>996036 - Disclosure - STOCK-BASED COMPENSATION - Restricted Stock Awards and Units (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/EmployeeStockPurchasePlanTable" id="spfi_r_EmployeeStockPurchasePlanTable">
        <link:definition>996037 - Disclosure - STOCK-BASED COMPENSATION - Employee Stock Purchase Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIESDetails" id="spfi_r_OFFBALANCESHEETACTIVITIESCOMMITMENTSANDCONTINGENCIESDetails">
        <link:definition>996038 - Disclosure - OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FinancialInstrumentsWhoseContractAmountsRepresentCreditRiskOutstandingTable" id="spfi_r_FinancialInstrumentsWhoseContractAmountsRepresentCreditRiskOutstandingTable">
        <link:definition>996039 - Disclosure - OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES - Financial Instruments Whose Contract Amounts Represent Credit Risk Outstanding (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/ActualCapitalAmountsandRatiosTable" id="spfi_r_ActualCapitalAmountsandRatiosTable">
        <link:definition>996040 - Disclosure - CAPITAL AND REGULATORY MATTERS - Actual Capital Amounts and Ratios (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/DERIVATIVESDetails" id="spfi_r_DERIVATIVESDetails">
        <link:definition>996041 - Disclosure - DERIVATIVES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FairValueHedgesinConsolidatedStatementsofComprehensiveIncomeTable" id="spfi_r_FairValueHedgesinConsolidatedStatementsofComprehensiveIncomeTable">
        <link:definition>996042 - Disclosure - DERIVATIVES - Fair Value Hedges in Consolidated Statements of Comprehensive Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FairValueHedgesinConsolidatedBalanceSheetsTable" id="spfi_r_FairValueHedgesinConsolidatedBalanceSheetsTable">
        <link:definition>996043 - Disclosure - DERIVATIVES - Fair Value Hedges in Consolidated Balance Sheets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/NetGainsLossesRelatingtoDerivativeInstrumentsTable" id="spfi_r_NetGainsLossesRelatingtoDerivativeInstrumentsTable">
        <link:definition>996044 - Disclosure - DERIVATIVES - Net Gains (Losses) Relating to Derivative Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FairValueofDerivativesinConsolidatedBalanceSheetsTable" id="spfi_r_FairValueofDerivativesinConsolidatedBalanceSheetsTable">
        <link:definition>996045 - Disclosure - DERIVATIVES - Fair Value of Derivatives in Consolidated Balance Sheets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FactorsUsedinEarningsPerShareComputationTable" id="spfi_r_FactorsUsedinEarningsPerShareComputationTable">
        <link:definition>996046 - Disclosure - EARNINGS PER SHARE - Factors Used in Earnings Per Share Computation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SEGMENTINFORMATIONDetails" id="spfi_r_SEGMENTINFORMATIONDetails">
        <link:definition>996047 - Disclosure - SEGMENT INFORMATION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/FAIRVALUEDISCLOSURESDetails" id="spfi_r_FAIRVALUEDISCLOSURESDetails">
        <link:definition>996048 - Disclosure - FAIR VALUE DISCLOSURES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/AssetsLiabilitiesMeasuredatFairValueonRecurringandNonRecurringBasisTable" id="spfi_r_AssetsLiabilitiesMeasuredatFairValueonRecurringandNonRecurringBasisTable">
        <link:definition>996049 - Disclosure - FAIR VALUE DISCLOSURES - Assets (Liabilities) Measured at Fair Value on Recurring and Non-Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/QuantitativeInformationaboutRecurringandNonRecurringLevel3FairValueMeasurementsTable" id="spfi_r_QuantitativeInformationaboutRecurringandNonRecurringLevel3FairValueMeasurementsTable">
        <link:definition>996050 - Disclosure - FAIR VALUE DISCLOSURES - Quantitative Information about Recurring and Non-Recurring Level 3 Fair Value Measurements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/EstimatedFairValuesandRelatedCarryingAmountsofFinancialInstrumentsTable" id="spfi_r_EstimatedFairValuesandRelatedCarryingAmountsofFinancialInstrumentsTable">
        <link:definition>996051 - Disclosure - FAIR VALUE DISCLOSURES - Estimated Fair Values, and Related Carrying Amounts of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/SUBSEQUENTEVENTSDetails" id="spfi_r_SUBSEQUENTEVENTSDetails">
        <link:definition>996052 - Disclosure - SUBSEQUENT EVENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://city.bank.com/role/AdditionalCalculations" id="spfi_r_AdditionalCalculations">
        <link:definition>996053 - Disclosure - AdditionalCalculations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://fasb.org/us-types/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-types-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://fasb.org/srt-types/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-types-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/sic/2026" schemaLocation="https://xbrl.sec.gov/sic/2026/sic-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd"/>
  <xs:element name="December312025Abstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_December312025Abstract"/>
  <xs:element name="ConsumerAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract"/>
  <xs:element name="ConsumerAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract0"/>
  <xs:element name="ConsumerAbstract1" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract1"/>
  <xs:element name="ConsumerAbstract2" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract2"/>
  <xs:element name="ConsumerAbstract3" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract3"/>
  <xs:element name="ConsumerAbstract4" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract4"/>
  <xs:element name="ConsumerAbstract5" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract5"/>
  <xs:element name="ConsumerAbstract6" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract6"/>
  <xs:element name="ConsumerAbstract7" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract7"/>
  <xs:element name="ConsumerAbstract8" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract8"/>
  <xs:element name="ConsumerAbstract9" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract9"/>
  <xs:element name="ConsumerAbstract10" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract10"/>
  <xs:element name="ConsumerAbstract11" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract11"/>
  <xs:element name="ConsumerAbstract12" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract12"/>
  <xs:element name="ConsumerAbstract13" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract13"/>
  <xs:element name="ConsumerAbstract14" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract14"/>
  <xs:element name="ConsumerAbstract15" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract15"/>
  <xs:element name="ConsumerAbstract16" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract16"/>
  <xs:element name="June302025Abstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_June302025Abstract"/>
  <xs:element name="ConsumerAbstract17" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerAbstract17"/>
  <xs:element name="InterestIncomeFederalFundsSoldAndDepositsWithFinancialInstitutions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_InterestIncomeFederalFundsSoldAndDepositsWithFinancialInstitutions"/>
  <xs:element name="ServiceChargesOnDepositAccounts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_ServiceChargesOnDepositAccounts"/>
  <xs:element name="BankCardServicesAndInterchangeFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BankCardServicesAndInterchangeFees"/>
  <xs:element name="FeesAndCommissionsMortgageBankingAndServicingNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FeesAndCommissionsMortgageBankingAndServicingNet"/>
  <xs:element name="FiduciaryFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FiduciaryFees"/>
  <xs:element name="BankCardExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BankCardExpenses"/>
  <xs:element name="ProvisionForForeclosedAssetLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_ProvisionForForeclosedAssetLosses"/>
  <xs:element name="OtherGainLossNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_OtherGainLossNet"/>
  <xs:element name="ServicingAssetAtFairValueChangesInValuation" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_ServicingAssetAtFairValueChangesInValuation"/>
  <xs:element name="IncreaseDecreaseInAccruedInterestReceivableAndOtherAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_IncreaseDecreaseInAccruedInterestReceivableAndOtherAssets"/>
  <xs:element name="NatureOfOperationsPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NatureOfOperationsPolicyTextBlock"/>
  <xs:element name="ScheduleOfSubsidiariesInformationTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ScheduleOfSubsidiariesInformationTableTextBlock"/>
  <xs:element name="FairValueAndUnpaidPrincipalBalanceOfAcquiredLoans" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_FairValueAndUnpaidPrincipalBalanceOfAcquiredLoans"/>
  <xs:element name="FinancingReceivableModificationsToBorrowersExperiencingFinancialDifficultyAndFinancialEffectsOfLoanModificationsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivableModificationsToBorrowersExperiencingFinancialDifficultyAndFinancialEffectsOfLoanModificationsTableTextBlock"/>
  <xs:element name="NameOfWhollyOwnedConsolidatedSubsidiaries" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NameOfWhollyOwnedConsolidatedSubsidiaries"/>
  <xs:element name="NameOfWhollyOwnedEquityMethodSubsidiaries" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NameOfWhollyOwnedEquityMethodSubsidiaries"/>
  <xs:element name="CashPaidToSettleOutstandingWarrantsAndStockAppreciationRights" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_CashPaidToSettleOutstandingWarrantsAndStockAppreciationRights"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestbearingDepositsInBanks" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestbearingDepositsInBanks"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsMarketableSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsMarketableSecurities"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestmentNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestmentNet"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDeposits"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDeposits"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedShortTermBorrowings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedShortTermBorrowings"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities"/>
  <xs:element name="FinancingReceivablePurchasedSeasonedLoanAmountAtParValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePurchasedSeasonedLoanAmountAtParValue"/>
  <xs:element name="FinancingReceivablePurchasedWithCreditDeteriorationAndPurchasedSeasonedLoansAmountAtParValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePurchasedWithCreditDeteriorationAndPurchasedSeasonedLoansAmountAtParValue"/>
  <xs:element name="FinancingReceivablePurchasedSeasonedLoanDiscountPremium" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePurchasedSeasonedLoanDiscountPremium"/>
  <xs:element name="FinancingReceivablePurchasedWithCreditDeteriorationAndPurchasedSeasonedLoansDiscountPremium" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePurchasedWithCreditDeteriorationAndPurchasedSeasonedLoansDiscountPremium"/>
  <xs:element name="FinancingReceivablePurchasedSeasonedLoanAllowanceForCreditLossAtAcquisitionDate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePurchasedSeasonedLoanAllowanceForCreditLossAtAcquisitionDate"/>
  <xs:element name="FinancingReceivablePurchasedWithCreditDeteriorationAndPurchasedSeasonedLoansAllowanceForCreditLossAtAcquisitionDate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePurchasedWithCreditDeteriorationAndPurchasedSeasonedLoansAllowanceForCreditLossAtAcquisitionDate"/>
  <xs:element name="FinancingReceivablePurchasedSeasonedLoanAmountAtPurchasePrice" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePurchasedSeasonedLoanAmountAtPurchasePrice"/>
  <xs:element name="FinancingReceivablePurchasedWithCreditDeteriorationAndPrioritySectorLendingAmountAtPurchasePrice" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePurchasedWithCreditDeteriorationAndPrioritySectorLendingAmountAtPurchasePrice"/>
  <xs:element name="ProvisionForCreditLossesOnLoansExcludingOffBalanceSheetCreditExposures" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_ProvisionForCreditLossesOnLoansExcludingOffBalanceSheetCreditExposures"/>
  <xs:element name="FinancingReceivableModificationsAmortizedCostNonaccrual" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivableModificationsAmortizedCostNonaccrual"/>
  <xs:element name="MortgageLoansServicedForOthers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_MortgageLoansServicedForOthers"/>
  <xs:element name="PercentageOfMortgageServicingRightAssetsToServicedMortgageLoans" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="spfi_PercentageOfMortgageServicingRightAssetsToServicedMortgageLoans"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndNonvestedWeightedAverageGrantDateFairValue" type="dtr:perShareItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="spfi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndNonvestedWeightedAverageGrantDateFairValue"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpiredInPeriodWeightedAverageGrantDateFairValue"/>
  <xs:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedNotIssuedNumberOfShares" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="spfi_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedNotIssuedNumberOfShares"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButNotIssuedWeightedAverageGrantDateFairValue" type="dtr:perShareItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="spfi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedButNotIssuedWeightedAverageGrantDateFairValue"/>
  <xs:element name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer"/>
  <xs:element name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets" type="xbrli:pureItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="spfi_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets"/>
  <xs:element name="AssetBackedAndOtherAmortizingSecuritiesFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_AssetBackedAndOtherAmortizingSecuritiesFairValueDisclosure"/>
  <xs:element name="LoansHeldForSaleMandatoryFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_LoansHeldForSaleMandatoryFairValueDisclosure"/>
  <xs:element name="LoansHeldForInvestmentMeasurementInput" type="xbrli:decimalItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="spfi_LoansHeldForInvestmentMeasurementInput"/>
  <xs:element name="LoansHeldForSaleBestEffortsFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_LoansHeldForSaleBestEffortsFairValueDisclosure"/>
  <xs:element name="InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_InterestReceivableFairValueDisclosure"/>
  <xs:element name="JuniorSubordinatedDeferrableInterestDebenturesFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="spfi_JuniorSubordinatedDeferrableInterestDebenturesFairValueDisclosure"/>
  <xs:element name="NumberOfCompanySharesReceivedForEachShareOfBOHHoldingsShareHeld" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NumberOfCompanySharesReceivedForEachShareOfBOHHoldingsShareHeld"/>
  <xs:element name="BusinessCombinationAcquisitionRelatedCostPersonnelExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationAcquisitionRelatedCostPersonnelExpenses"/>
  <xs:element name="BusinessCombinationAcquisitionRelatedCostProfessionalServicesExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationAcquisitionRelatedCostProfessionalServicesExpense"/>
  <xs:element name="BusinessCombinationAcquisitionRelatedCostDataConversionExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_BusinessCombinationAcquisitionRelatedCostDataConversionExpenses"/>
  <xs:element name="NumberOfSecuritiesHeldByIssuerInAmountGreaterThanTenPercentOfStockholdersEquity" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NumberOfSecuritiesHeldByIssuerInAmountGreaterThanTenPercentOfStockholdersEquity"/>
  <xs:element name="NumberOfSubCategoriesOfLoans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NumberOfSubCategoriesOfLoans"/>
  <xs:element name="NumberOfPointsOnAGradingScaleForLoans" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NumberOfPointsOnAGradingScaleForLoans"/>
  <xs:element name="FinancingReceivableNonAccrualLoansWithDirectExposureAnalyzedForIndividualEvaluation" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivableNonAccrualLoansWithDirectExposureAnalyzedForIndividualEvaluation"/>
  <xs:element name="FinancingReceivableAccruingLoansWithDirectExposureCloselyMonitored" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivableAccruingLoansWithDirectExposureCloselyMonitored"/>
  <xs:element name="FinancingReceivablePastDueAccruingLoansCloselyMonitored" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivablePastDueAccruingLoansCloselyMonitored"/>
  <xs:element name="DebtInstrumentTermOfFixedInterestRate" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DebtInstrumentTermOfFixedInterestRate"/>
  <xs:element name="DebtInstrumentVariableInterestRateFloor" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DebtInstrumentVariableInterestRateFloor"/>
  <xs:element name="DebtInstrumentVariableInterestRateCeiling" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DebtInstrumentVariableInterestRateCeiling"/>
  <xs:element name="RemainingMaturityPeriodDuringWhichDebtCanBeCalled" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_RemainingMaturityPeriodDuringWhichDebtCanBeCalled"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAnnualIncreaseInSharesAuthorizedPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAnnualIncreaseInSharesAuthorizedPercentage"/>
  <xs:element name="LoansHeldForSaleAggregateUnpaidPrincipalBalanceFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="spfi_LoansHeldForSaleAggregateUnpaidPrincipalBalanceFairValueDisclosure"/>
  <xs:element name="BOHHoldingsIncMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_BOHHoldingsIncMember"/>
  <xs:element name="BankSubsidiaryMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_BankSubsidiaryMember"/>
  <xs:element name="CBProvenceLLCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CBProvenceLLCMember"/>
  <xs:element name="CBTBrushyCreekLLCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CBTBrushyCreekLLCMember"/>
  <xs:element name="CBTPropertiesLLCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CBTPropertiesLLCMember"/>
  <xs:element name="CityBankMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CityBankMember"/>
  <xs:element name="CollateralDiscountsAndSellingCostsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CollateralDiscountsAndSellingCostsMember"/>
  <xs:element name="CommercialAndConstructionRealEstatePortfolioSegmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CommercialAndConstructionRealEstatePortfolioSegmentMember"/>
  <xs:element name="CommercialGeneralLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CommercialGeneralLoansMember"/>
  <xs:element name="CommercialSpecializedLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_CommercialSpecializedLoansMember"/>
  <xs:element name="ConsumerOneToFourFamilyResidentialLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerOneToFourFamilyResidentialLoansMember"/>
  <xs:element name="ConsumerOtherLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ConsumerOtherLoansMember"/>
  <xs:element name="EmployeeStockPurchasePlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_EmployeeStockPurchasePlanMember"/>
  <xs:element name="EquityIncentivePlan2019Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_EquityIncentivePlan2019Member"/>
  <xs:element name="FinancingReceivables30To89DaysPastDueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_FinancingReceivables30To89DaysPastDueMember"/>
  <xs:element name="MortgageBankingDerivativesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_MortgageBankingDerivativesMember"/>
  <xs:element name="MortgageForwardContractsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_MortgageForwardContractsMember"/>
  <xs:element name="NonBankSubsidiaryMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NonBankSubsidiaryMember"/>
  <xs:element name="NonOwnerOccupiedRealEstateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_NonOwnerOccupiedRealEstateMember"/>
  <xs:element name="O2026Q3DividendsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_O2026Q3DividendsMember"/>
  <xs:element name="OtherCollateralMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_OtherCollateralMember"/>
  <xs:element name="PaymentDelayTermExtensionAndInterestRateReductionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_PaymentDelayTermExtensionAndInterestRateReductionMember"/>
  <xs:element name="RuidosoRetailIncMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_RuidosoRetailIncMember"/>
  <xs:element name="SouthPlainsFinancialCapitalTrustsSPFCTIIIVMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SouthPlainsFinancialCapitalTrustsSPFCTIIIVMember"/>
  <xs:element name="SubordinatedDebtSecuritiesIssuedInDecember2018Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SubordinatedDebtSecuritiesIssuedInDecember2018Member"/>
  <xs:element name="SubordinatedDebtSecuritiesIssuedInSeptember292020Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SubordinatedDebtSecuritiesIssuedInSeptember292020Member"/>
  <xs:element name="TermExtensionAndPaymentDelayMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_TermExtensionAndPaymentDelayMember"/>
  <xs:element name="ThirdPartyAppraisalsOrInspectionsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ThirdPartyAppraisalsOrInspectionsMember"/>
  <xs:element name="AssetsLiabilitiesMeasuredAtFairValueOnRecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_AssetsLiabilitiesMeasuredAtFairValueOnRecurringBasisAbstract"/>
  <xs:element name="FairValueOfAssetsMeasuredOnNonRecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_FairValueOfAssetsMeasuredOnNonRecurringBasisAbstract"/>
  <xs:element name="InterestIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_InterestIncomeAbstract"/>
  <xs:element name="ProceedsFromPaymentsToSaleAndMaturityOfDebtSecuritiesAvailableForSaleAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_ProceedsFromPaymentsToSaleAndMaturityOfDebtSecuritiesAvailableForSaleAbstract"/>
  <xs:element name="SecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_SecuritiesAbstract"/>
<!-- [WMV7][CmdZjzKOvthd5PunqsD3Wrk4/ZdgDmGgMoZ35ja8LF89KyPBhpCav7W2WuWulL5DTJllsz6XjItBNKbQ1KW0ITPqtYht1svE049kn0jaLpPuVjixAuINDYdVBwhXA0iDSegn/WpgEU9QBfPoPCcvl56wCWUcNh9of4SjyzJDwg2uxwua2YbIJGOj9HVqeLWCIWzsCLzyb4wUOpI6DE4l7O+tS07H84qGdjaX2SnGwldOmuXXwXlhaf0md4AFnjnKIG1wbvJ5cD/xbQ8aZ+7AZ0tUomXWdqy9K/Im+G6IjYKGQLeI1FZzayfk6qgPXPOpKzan1KjjXj7ZGWzShCu4fwbE0kKa1tjqCQET//vLM01m3y+Jayv5J5/UQFQHN4LW] CSR-->
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="spfi_DocumentAndEntityInformationAbstract"/>
</xs:schema>
