HBT Financial Investor Relations Material

HBT Financial Inc. is the holding company for Heartland Bank and Trust Company, providing a wide range of financial products and services. These services include commercial, retail, and business banking, as well as wealth management. HBT Financial serves consumers, businesses, and municipal entities primarily in Illinois and eastern Iowa through 66 full-service branches. Their offerings cover various deposit accounts, loans (including commercial real estate and agricultural loans), and digital banking services. Additionally, they provide financial planning, investment management, and treasury management services. The company is headquartered in Bloomington, Illinois, and its shares are listed on the NASDAQ.