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Jun 30, 2025
Hbt Financial Q2 2025 Earnings Report
HBT Financial reported solid earnings growth in Q2 2025, supported by strong net interest income and stable asset quality.
Key Takeaways
HBT Financial delivered consistent profitability in Q2 2025 with net income of $19.2M and EPS of $0.61, driven by improved net interest margin and strong asset quality.
Net income reached $19.2M with EPS of $0.61.
Net interest margin improved to 4.14%.
Asset quality remained strong with nonperforming assets at 0.13% of total assets.
Tangible book value per share rose to $16.02.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
HBT expects loan growth to return in Q3 2025 as loan pipelines expand, while maintaining strong profitability and asset quality.
Positive Outlook
- Higher loan pipelines expected to drive loan growth in Q3.
- Capital ratios increased during the quarter.
- Tangible book value rose 3.8% QoQ.
- Asset quality remains stable with low nonperforming assets.
- Strong profitability supports potential acquisition opportunities.
Challenges Ahead
- Loan balances decreased due to seasonal paydowns.
- Nonperforming assets rose slightly to $6.5M.
- Provision for credit losses increased to $0.5M.
- Net charge-offs rose to $1.0M from $0.4M in Q1.
- Higher medical benefit costs impacted noninterest expense.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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