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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.
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. 
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