HBT Financial, Inc.
For the period ended Dec 31, 2025. Filed Mar 6, 2026.
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FY2025 · Filed Mar 6, 2026
HBT$37.53+0.2%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Income
| Year Ended December 31, | |||
|---|---|---|---|
| (dollars in thousands, except per share data) | 2025 | 2024 | 2023 |
| INTEREST AND DIVIDEND INCOME | |||
| Loans, including fees: | |||
| Taxable | $211,943 | $210,340 | $191,008 |
| Federally tax exempt | 4,878 | 4,523 | 4,189 |
| Debt securities: | |||
| Taxable | 31,075 | 25,801 | 25,746 |
| Federally tax exempt | 1,839 | 2,102 | 4,225 |
| Interest-bearing deposits in bank | 5,502 | 8,272 | 3,020 |
| Other interest and dividend income | 547 | 662 | 811 |
| Total interest and dividend income | 255,784 | 251,700 | 228,999 |
| INTEREST EXPENSE | |||
| Deposits | 51,689 | 56,047 | 25,135 |
| Securities sold under agreements to repurchase | 22 | 594 | 255 |
| Borrowings | 203 | 480 | 7,128 |
| Subordinated notes | 1,326 | 1,879 | 1,879 |
| Junior subordinated debentures issued to capital trusts | 3,649 | 3,850 | 3,530 |
| Total interest expense | 56,889 | 62,850 | 37,927 |
| Net interest income | 198,895 | 188,850 | 191,072 |
| PROVISION FOR CREDIT LOSSES | 3,161 | 3,031 | 7,573 |
| Net interest income after provision for credit losses | 195,734 | 185,819 | 183,499 |
| NONINTEREST INCOME | |||
| Card income | 10,785 | 11,051 | 11,043 |
| Wealth management fees | 12,147 | 10,978 | 9,883 |
| Service charges on deposit accounts | 8,040 | 7,932 | 7,846 |
| Mortgage servicing | 4,113 | 4,437 | 4,678 |
| Mortgage servicing rights fair value adjustment | (1,883) | (174) | (1,615) |
| Gains on sale of mortgage loans | 1,477 | 1,611 | 1,526 |
| Realized gains (losses) on sales of securities | (200) | (3,697) | (1,820) |
| Unrealized gains (losses) on equity securities | 7 | (59) | 160 |
| Gains (losses) on foreclosed assets | 4 | 22 | 501 |
| Gains (losses) on other assets | (85) | (635) | 166 |
| Income on bank owned life insurance | 671 | 915 | 573 |
| Other noninterest income | 3,114 | 3,190 | 3,105 |
| Total noninterest income | 38,190 | 35,571 | 36,046 |
| NONINTEREST EXPENSE | |||
| Salaries | 66,342 | 65,130 | 67,453 |
| Employee benefits | 13,538 | 11,311 | 10,037 |
| Occupancy of bank premises | 10,713 | 10,293 | 9,918 |
| Furniture and equipment | 2,280 | 2,004 | 2,790 |
| Data processing | 11,766 | 11,169 | 12,352 |
| Marketing and customer relations | 4,183 | 4,320 | 5,043 |
| Amortization of intangible assets | 2,726 | 2,839 | 2,670 |
| Loss on extinguishment of debt | 391 | — | — |
| FDIC insurance | 2,234 | 2,254 | 2,280 |
| Loan collection and servicing | 1,346 | 2,056 | 1,402 |
| Foreclosed assets | 169 | 109 | 251 |
| Other noninterest expense | 13,730 | 12,522 | 16,768 |
| Total noninterest expense | 129,418 | 124,007 | 130,964 |
| INCOME BEFORE INCOME TAX EXPENSE | 104,506 | 97,383 | 88,581 |
| INCOME TAX EXPENSE | 27,498 | 25,603 | 22,739 |
| NET INCOME | $77,008 | $71,780 | $65,842 |
| EARNINGS PER SHARE - BASIC | $2.44 | $2.27 | $2.08 |
| EARNINGS PER SHARE - DILUTED | $2.44 | $2.26 | $2.07 |
| WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING | 31,502,351 | 31,590,117 | 31,626,308 |
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