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Mar 31
Hbt Financial Q1 2025 Earnings Report
HBT Financial reported solid profitability with higher net interest margin and strong asset quality in Q1 2025.
Key Takeaways
HBT Financial delivered a robust Q1 2025 performance, highlighted by improved net interest income, strong asset quality, and an increase in tangible book value. Despite a drop in noninterest income, profitability remained strong, supported by rising loan balances and efficient cost control.
Reported net income of $19.1 million with EPS of $0.60 and adjusted EPS of $0.61.
Net interest margin rose to 4.12% driven by higher average loan balances and lower funding costs.
Nonperforming assets dropped to 0.11% of total assets, reflecting excellent asset quality.
Tangible book value per share increased 4.3% quarter-over-quarter to $15.43.
Hbt Financial
Hbt Financial
Hbt Financial Revenue by Segment
Hbt Financial Revenue by Geographic Location
Revenue by Segment
Commercial & Industrial Revenue
CapyFin.comCRE Owner Occupied Revenue
CapyFin.comCRE Non-Owner Occupied Revenue
CapyFin.comConstruction & Land Dev. Revenue
CapyFin.comMulti-Family Revenue
CapyFin.com1-4 Family Residential Revenue
CapyFin.comAgricultural & Farmland Revenue
CapyFin.comMunicipal & Other Revenue
CapyFin.comRevenue by Geographic Location
Illinois & Eastern Iowa Revenue
CapyFin.com Forward Guidance
The company remains optimistic about 2025, despite economic uncertainty and market volatility, citing strong credit discipline, profitability, and capital strength.
Positive Outlook
- Improved net interest margin from repricing of loans and deposits.
- Exceptional asset quality with declining nonperforming assets.
- Solid loan growth in average balances.
- Strong tangible book value growth.
- Well-capitalized balance sheet supports potential M&A.
Challenges Ahead
- Volatile interest rate environment may pressure margins.
- Lower noninterest income due to MSR fair value adjustments.
- Increased employee benefits and salaries impacting expenses.
- Potential future tax expense from derivative adjustments.
- Economic uncertainty could affect loan demand and credit trends.