HBT Financial Q2 2025 net income $19.2M ($0.61 EPS); adjusted EPS $0.63, NIM 4.19% on tax-equiv

HBT Financial, Inc.

2025-Q2 EPS reported $1.21

Net income $19.2M ($0.61 diluted EPS) vs $18.1M ($0.57) in Q2 2024.
Adjusted net income $19.8M, adjusted EPS $0.63; adjusted ROATCE 16.02%.
Net interest margin (tax-equiv) rose 3 bps to 4.19%; nonperforming assets 0.13% of total assets.
Tangible book value per share increased $0.59 to $16.02, up 17.4% YoY.
Loans declined on seasonal paydowns; loan pipelines higher, growth expected in Q3 2025.

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