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Dec 31, 2025
Hbt Financial Q4 2025 Earnings Report
HBT Financial reported solid Q4 results with stable profitability, strong asset quality, and modest revenue growth.
Key Takeaways
HBT Financial delivered a strong Q4 2025 with $18.9M in net income, supported by resilient margins and exceptional asset quality. Adjusted EPS came in at $0.64, and the company emphasized growth in loans and deposits while maintaining low nonperforming asset levels.
Net income for Q4 2025 was $18.9 million, with adjusted net income of $20.1 million.
Net interest margin held steady at 4.12%, reflecting efficient balance sheet management.
Asset quality remained strong with nonperforming assets at just 0.17% of total assets.
Loans grew by $56.2 million, led by increases in construction, multi-family, and commercial segments.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management expects continued strong performance in 2026 supported by robust liquidity, healthy asset quality, and benefits from the pending CNB acquisition.
Positive Outlook
- Strong liquidity positions HBT well for future growth
- High capital levels allow flexibility for expansion
- Exceptional asset quality with stable credit performance
- Loan and deposit growth trends remain healthy
- Integration of CNB Bank expected to expand market presence in IL and MO
Challenges Ahead
- Slight decline in net income compared to prior year Q4
- Decreased efficiency ratio indicates rising cost pressures
- Net interest margin slightly down from prior quarter
- Noninterest income impacted by negative mortgage servicing rights adjustment
Historical Earnings Impact
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Avg. Return Before/After Earnings
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