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Sep 30
Hbt Financial Q3 2025 Earnings Report
HBT Financial reported solid earnings with record adjusted EPS and stable margins in Q3 2025.
Key Takeaways
HBT Financial delivered strong Q3 results with $19.8 million in net income and record adjusted EPS of $0.65, supported by loan growth and a stable net interest margin. Asset quality remained solid with low nonperforming asset ratios.
Reported net income of $19.8 million and EPS of $0.63.
Adjusted EPS of $0.65 marked the highest since becoming public.
Loan balances increased to $3.4 billion due to higher originations.
Asset quality remained strong with only 0.17% nonperforming assets.
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/Consumer/Other Revenue
CapyFin.comRevenue by Geographic Location
Illinois & Eastern Iowa Revenue
CapyFin.com Forward Guidance
HBT Financial is positioned for continued stability and growth amid improved credit metrics and strong profitability, despite potential macroeconomic challenges.
Positive Outlook
- Loan growth returned with a 6.2% annualized increase.
- Tangible book value per share rose by $0.62 to $16.64.
- Net interest margin remained stable at 4.13%.
- Asset quality held strong with 0.17% nonperforming assets.
- Adjusted ROAA and ROATCE improved versus previous quarters.
Challenges Ahead
- Slight decline in net interest margin due to reduced loan yields.
- Increase in nonperforming loans from $5.6M to $7.6M QoQ.
- Higher noninterest expenses due to debt extinguishment and maintenance.
- Provision for credit losses increased to $0.6M.
- Potential uncertainty from the announced CNB Bank merger.