---
schema_version: "secwatch.filing_event.v1"
accession: "0000775215-25-000027"
form_type: "8-K"
ticker: "HBT"
cik: "0000775215"
company_name: "HBT Financial, Inc."
filed_at: "2025-07-21T23:59:59+00:00"
generated_at: "2026-05-18T05:26:42.056442+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000775215-25-000027
- form_type: 8-K
- ticker: HBT
- cik: 0000775215
- company_name: HBT Financial, Inc.
- filed_at: 2025-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/775215/000077521525000027/0000775215-25-000027-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/775215/000077521525000027/hbt-20250721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000775215-25-000027
- JSON: https://secwatch.observer/filing/0000775215-25-000027.json
- Plain text: https://secwatch.observer/filing/0000775215-25-000027.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.