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HBT Financial
HBT Financial (HBT) investor relations material
HBT Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Achieved strong profitability in Q4 2025 with net income of $18.9M ($0.60/diluted share) and adjusted net income of $20.1M ($0.64/diluted share).
Tangible book value per share rose to $17.20, up 3.4% sequentially and 16.2% year-over-year.
Maintained resilient net interest margin (NIM) of 4.12% and strong asset quality with nonperforming assets at 0.17% of total assets.
Deposit base remains highly granular and low-cost, with core deposits at 95.4% of total deposits.
Announced pending acquisition of CNB Bank Shares, Inc., expected to close and integrate in late Q1 2026.
Financial highlights
Net interest income for Q4 2025 was $50.5M, up 1.1% sequentially and 6.6% year-over-year.
Net interest margin was 4.12%, down 1 bp sequentially but up 16 bps year-over-year.
Noninterest income was $9.9M, flat sequentially but down 14.9% year-over-year due to lower MSR fair value adjustments.
Noninterest expense was $33.1M, up 1.7% sequentially and 7.0% year-over-year, mainly due to acquisition-related costs and higher salaries/benefits.
Total deposits up $12.1M in Q4 2025, excluding $50M moved off-balance sheet.
Outlook and guidance
Loan volumes expected to dip in Q1 2026, then grow low-single digits for 2026.
Modest NIM expansion anticipated in 2026, assuming two Fed rate cuts.
Noninterest income projected to grow low-single digits; noninterest expense to rise ~3% to $32–$34M per quarter.
Asset quality expected to remain solid, though some deterioration possible if the economy softens.
CNB merger expected to enhance market presence and close late Q1 2026; integration on track.
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Next HBT Financial earnings date
Q1 202624 Apr, 2026
HBT Financial
Next HBT Financial earnings date
Q1 202624 Apr, 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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