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HBT Financial (HBT) investor relations material
HBT Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Oct, 2025
Executive summary
Net income for Q3 2025 was $19.8 million ($0.63 per diluted share), with adjusted net income of $20.5 million ($0.65 per diluted share), marking the highest quarterly adjusted EPS since going public.
Tangible book value per share increased 3.9% from Q2 2025 and 14.4% year-over-year, reaching $16.64.
Return on average assets (ROAA) was 1.56% and return on average tangible common equity (ROATCE) was 15.28%; adjusted ROAA and ROATCE were 1.61% and 15.81%, respectively.
Announced a definitive agreement to merge with CNB Bank Shares, expanding presence in Illinois and metro areas.
Financial highlights
Net interest income was $50.0 million, up 0.7% sequentially and 4.7% year-over-year, driven by a higher day count and stable interest-earning assets.
Net interest margin (tax-equivalent) was 4.18%, down 1 basis point from Q2 2025 but up 15 basis points year-over-year.
Noninterest income (excluding mortgage servicing rights adjustments) increased by $0.5 million, mainly from higher wealth management fees and agricultural real estate brokerage commissions; total noninterest income rose 7.8% sequentially and 13.1% year-over-year to $9.8 million.
Noninterest expense increased by $0.6 million, primarily due to a $0.4 million loss on debt extinguishment and higher occupancy expenses; total noninterest expense was $32.5 million, up 1.9% sequentially and 3.8% year-over-year.
Effective tax rate decreased to 26.1% from 27.0% in Q2 2025.
Outlook and guidance
Loan pipelines are in line with Q3 2025, with expected loan growth in the low single digits annualized for Q4 2025.
Net interest income and margin expected to remain stable in Q4 2025.
Deposit balances anticipated to rise slightly, and noninterest income expected to be flat in Q4 2025.
Asset quality expected to remain solid, though a return to more normalized metrics and charge-offs may occur if the economy softens.
Management expressed confidence in preparedness for various economic environments, citing strong credit discipline, profitability, and balance sheet.
Q3 CNB merger transaction expenses?
What loan segments offset Q3 growth?
What factors impacted Q3 loan yields?
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Next HBT Financial earnings date
Q4 202523 Jan, 2026
Next HBT Financial earnings date
Q4 202523 Jan, 2026
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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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