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HBT Financial (HBT) investor relations material
HBT Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Jul, 2025
Executive summary
Net income for Q2 2025 was $19.2M ($0.61 per diluted share), up 6.4% year-over-year; adjusted net income was $19.8M ($0.63 per diluted share).
Tangible book value per share rose 3.8% sequentially and 17.4% year-over-year to $16.02.
Asset quality remained strong with nonperforming assets at 0.13% of total assets and net charge-offs at 0.12% of average loans annualized.
Total assets were $5.0B, loans $3.3B, and deposits $4.3B as of June 30, 2025.
Return on average assets (ROAA) was 1.53%; adjusted ROAA was 1.58%.
Financial highlights
Net interest income for Q2 2025 was $49.7M, up $2.6M year-over-year; net interest margin increased to 4.14% (tax-equivalent: 4.19%).
Noninterest income for Q2 2025 was $9.1M, down 4.9% year-over-year, mainly due to negative mortgage servicing rights fair value adjustment.
Noninterest expense was $31.9M, up 4.6% year-over-year, driven by higher benefits and occupancy costs.
Efficiency ratio (tax-equivalent basis) was 53.0% for 1H25 and 53.10% for Q2 2025.
Tangible common equity to tangible assets was 10.21% as of June 30, 2025.
Outlook and guidance
Loan growth expected in the 2%–5% annualized range for Q3 2025; deposit balances projected to remain flat.
Net interest margin anticipated to remain stable; noninterest income and expense expected in line with Q2 2025.
Asset quality expected to remain solid, with possible normalization if the economy softens.
Stock repurchase program to continue opportunistically; $12.1M available through January 2026.
Management expresses confidence in capital levels and operational structure to support potential acquisitions.
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Next HBT Financial earnings date
Q3 202520 Oct, 2025
Next HBT Financial earnings date
Q3 202520 Oct, 2025
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Frequently asked questions
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.
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