HBT Financial, Inc.

For the period ended Sep 30, 2026. Filed Nov 6, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 6, 2026

HBT$37.53+0.2%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income (Loss)

CONSOLIDATED STATEMENTS OF INCOME

	Three Months Ended September 30,		Nine Months Ended September 30,
(dollars in thousands, except per share data)	2026	2025	2026	2025
INTEREST AND DIVIDEND INCOME
Loans, including fees:
Taxable	$75,894	$52,818	$208,443	$159,343
Federally tax exempt	1,501	1,245	4,357	3,628
Debt securities:
Taxable	11,359	8,320	32,070	22,690
Federally tax exempt	1,045	459	2,704	1,385
Interest-bearing deposits in bank	735	1,350	3,035	3,959
Other interest and dividend income	128	144	475	388
Total interest and dividend income	90,662	64,336	251,084	191,393
INTEREST EXPENSE
Deposits	18,122	12,995	49,484	38,769
Securities sold under agreements to repurchase	—	—	30	22
Borrowings	126	31	505	170
Subordinated notes	1,233	387	2,756	1,326
Junior subordinated debentures issued to capital trusts	860	937	2,545	2,754
Total interest expense	20,341	14,350	55,320	43,041
Net interest income	70,321	49,986	195,764	148,352
PROVISION FOR CREDIT LOSSES	(561)	596	(41)	1,698
Net interest income after provision for credit losses	70,882	49,390	195,805	146,654
NONINTEREST INCOME
Card income	3,247	2,732	9,426	8,077
Wealth management fees	3,943	3,122	11,624	8,789
Service charges on deposit accounts	2,680	2,093	7,329	5,952
Mortgage servicing	1,111	1,019	3,237	3,051
Mortgage servicing rights fair value adjustment	1,460	(514)	906	(1,573)
Gains on sale of mortgage loans	550	390	1,293	1,101
Realized gains (losses) on sales of securities	(184)	(49)	(184)	(49)
Unrealized gains (losses) on equity securities	(71)	(67)	8	(36)
Gains (losses) on foreclosed assets	(67)	148	(156)	175
Gains (losses) on other assets	(62)	(14)	(274)	(88)
Income on bank owned life insurance	229	169	623	500
Other noninterest income	1,401	820	3,190	2,396
Total noninterest income	14,237	9,849	37,022	28,295
NONINTEREST EXPENSE
Salaries	20,988	16,351	66,030	49,856
Employee benefits	4,493	3,314	12,598	10,179
Occupancy of bank premises	3,933	2,826	10,566	7,922
Furniture and equipment	861	737	2,400	1,757
Data processing	4,130	2,791	19,687	8,195
Marketing and customer relations	1,222	1,035	3,752	3,199
Amortization of intangible assets	1,455	694	3,797	2,083
Loss on extinguishment of debt	—	391	—	391
FDIC insurance	723	561	1,988	1,674
Loan collection and servicing	640	264	1,891	1,007
Foreclosed assets	43	62	143	134
Other noninterest expense	4,175	3,482	14,694	9,960
Total noninterest expense	42,663	32,508	137,546	96,357
INCOME BEFORE INCOME TAX EXPENSE	42,456	26,731	95,281	78,592
INCOME TAX EXPENSE	11,064	6,966	24,845	20,522
NET INCOME	$31,392	$19,765	$70,436	$58,070
EARNINGS PER SHARE - BASIC	$0.86	$0.63	$1.99	$1.84
EARNINGS PER SHARE - DILUTED	$0.86	$0.63	$1.99	$1.84
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING	36,365,612	31,481,135	35,318,125	31,525,247

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.