<span item_type="fundamental" item_id="3e0ab8424ae02f601f3652730c9b56ff" counter_id="ST/US/HBT" env="prod"></span><span item_type="announcement" item_id="577709402524031105" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 59.84 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.63, beating the estimate of USD 0.618.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -23.26 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest and Dividend Income</strong>: Total interest and dividend income for the nine months ended September 30, 2025 was $191,393 thousand, compared to $188,902 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/775215/000077521525000056/hbt-20250930.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: Net income for the nine months ended September 30, 2025 was $58,070 thousand, compared to $51,508 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/775215/000077521525000056/hbt-20250930.htm"></span></li><li><strong>Provision for Credit Losses</strong>: Provision for credit losses for the nine months ended September 30, 2025 was $1,698 thousand, compared to $2,306 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/775215/000077521525000056/hbt-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Provided by Operating Activities</strong>: Net cash provided by operating activities for the nine months ended September 30, 2025 was $61,167 thousand, compared to $72,089 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/775215/000077521525000056/hbt-20250930.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Allowance for Credit Losses</strong>: The allowance for credit losses as of September 30, 2025 was $41,900 thousand, compared to $42,044 thousand as of December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/775215/000077521525000056/hbt-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company anticipates a mild economic slowdown in the fourth quarter of 2025, followed by a gradual increase in economic activity over the next four quarters. The forecast includes a slight increase in the unemployment rate during the fourth quarter of 2025, followed by a slight decrease in 2026, while GDP growth is expected to slow in the fourth quarter of 2025 and then increase in 2026.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/775215/000077521525000056/hbt-20250930.htm"></span></li><li><strong>Non-Core Business</strong>: The company announced a merger agreement with CNB Bank Shares, Inc., which is expected to close in the first quarter of 2026, subject to customary closing conditions, approval of CNBN shareholders, and regulatory approvals.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/775215/000077521525000056/hbt-20250930.htm"></span></li></ul>

HBT Financial | 10-Q: FY2025 Q3 Revenue: USD 59.84 M