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Mar 31, 2025
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.
Revenue by Segment
Revenue by Geographic Location
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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