HBT Financial Q3 net income $15.6M, EPS $0.54; NIM expands 31 bps; TWCF merger on track

HBT Financial, Inc.

2022-Q3 EPS reported $1.49

Net income of $15.6M, diluted EPS $0.54; ROAA 1.47%, ROATCE 17.70%.
NIM expanded 31 bps to 3.65% (FTE); cost of deposits up only 1 bp to 0.06%.
Pending merger with Town & Country Financial (TWCF) expected to close 1Q23; 17% EPS accretion in first full year.
Loan growth strongest in 2022; annualized mid-to-upper single-digit growth expected in Q4.
Nonperforming assets 0.14% of total assets; net charge-offs (0.06%) of average loans (recoveries); credit strong.

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