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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), up 8.7% year-over-year, with adjusted net income of $20.5 million ($0.65 per diluted share), reflecting strong profitability and tangible book value growth.
Tangible book value per share increased by $0.62 to $16.64, up 3.9% from Q2 2025 and 14.4% year-over-year.
Total assets reached $5.0 billion as of September 30, 2025, with loans of $3.4 billion and deposits of $4.3 billion, reflecting a stable balance sheet and strong market presence in Illinois and Iowa.
Announced a definitive agreement to acquire CNB Bank Shares, Inc., expected to close in Q1 2026, expanding market density and presence in key regions.
Financial highlights
Net interest income for Q3 2025 was $50.0 million, up 0.7% sequentially and 4.7% year-over-year, with net interest margin (tax-equivalent) at 4.18%.
Noninterest income rose 13.1% year-over-year, mainly from higher wealth management fees and lower securities losses.
Noninterest expense increased 3.8% year-over-year, primarily due to higher employee benefits, salaries, and a $0.4 million loss on debt extinguishment.
Cost of funds and total deposits remained stable at 1.29% and 1.19%, respectively.
Effective tax rate decreased to 26.1% from 27.0% in Q2 2025.
Outlook and guidance
Management expects stable net interest income and margin in Q4 2025, with slight loan and deposit growth and continued solid asset quality.
Loan pipelines are in line with Q3 2025, with expected loan growth in the low single digits annualized for Q4 2025.
The CNB Bank Shares, Inc. acquisition is expected to close in Q1 2026, enhancing scale and market reach.
Management is prepared for various economic environments, citing strong credit discipline and profitability.
Asset quality expected to remain solid, though a return to more normalized metrics and charge-offs may occur if the economy softens.
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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