HBT Financial, Inc. (HBT) Earnings History

HBT Financial, Inc. - Q4 2025 EarningsMissed

Filed at: Jan 26, 2026, 7:00 AM EST|Read from source

EXECUTIVE SUMMARY

HBT Financial reported solid fourth-quarter results, concluding a successful 2025 with strong balance sheet growth and excellent asset quality, supported by a resilient net interest margin. The company is progressing with its proposed merger with CNB Bank Shares, Inc., which is expected to enhance its market presence.

POSITIVE HIGHLIGHTS

  • •

    Adjusted net income of $20.1 million, or $0.64 per diluted share, for Q4 2025.

    positive
  • •

    Loans increased $56.2 million, or 6.6% on an annualized basis, during the fourth quarter of 2025.

    positive
  • •

    Tangible book value per share increased to $17.20 at December 31, 2025, a 16.2% increase over the past year.

    positive
  • •

    Net interest margin increased 16 basis points to 4.12% relative to the fourth quarter of 2024.

    positive

CONCERNS & RISKS

  • •

    Net income for Q4 2025 was $18.9 million, a decrease from $19.8 million in Q3 2025 and $20.3 million in Q4 2024.

    attention
  • •

    Net interest margin decreased 1 basis point to 4.12% compared to the third quarter of 2025.

    attention
  • •

    Noninterest expense increased 1.7% from the third quarter of 2025, primarily due to $1.0 million of acquisition-related expenses.

    attention
  • •

    Noninterest income decreased 14.9% relative to the fourth quarter of 2024, primarily due to changes in the MSR fair value adjustment.

    attention

FINANCIAL METRICS

Revenue
Quarterly
$60.44B
+2.4%
Prior year: $59.03B
Annual (YTD)
$237.09B
N/A
Prior year: $224.42B
Net Income
Quarterly
$18.94B
-6.6%
Prior year: $20.27B
Annual (YTD)
$77.01B
N/A
Prior year: $71.78B
EPS (Diluted)
Quarterly
$0.60
-6.3%
Prior year: $0.64
Annual (YTD)
$2.44
N/A
Prior year: $2.26
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
$0.60
-6.3%
Prior year: $0.64
Annual (YTD)
$2.44
N/A
Prior year: $2.27

MARGIN ANALYSIS

Net Margin
Current Quarter
31.3%
Prior Year
34.4%
YoY Change
-302 bps

Margin expansion indicates improving profitability and operational efficiency. Measured in basis points (bps): 100 bps = 1.0%.

MANAGEMENT COMMENTARY

Our fourth quarter results wrapped up a very successful 2025, with adjusted net income of $20.1 million, or $0.64 per diluted share, which was underpinned by strong balance sheet growth, excellent asset quality, and a resilient net interest margin.

— HBT Financial, Inc., Q4 2025 2025 Earnings Call

Loans increased $56.2 million, or 6.6% on an annualized basis, during the fourth quarter of 2025.

— HBT Financial, Inc., Q4 2025 2025 Earnings Call

Deposits also increased during the quarter despite moving $50.0 million of wealth management deposits off balance sheet due to strong liquidity.

— HBT Financial, Inc., Q4 2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Loan To Deposit Ratio
79.3
-1.2% YoY
Prior year: 80.3
%
Net Charge Offs To Average Loans
0.1
+25.0% YoY
Prior year: 0.1
%
Nonperforming Assets To Total Assets
0.2
+6.3% YoY
Prior year: 0.2
%

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.