{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-015203","form_type":"8-K","ticker":"HBT","cik":"0000775215","company_name":"HBT Financial, Inc.","filed_at":"2022-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.545984+00:00","generated_at":"2026-06-23T01:47:10.424345+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"HBT Financial Q3 net income $15.6M, EPS $0.54; NIM expands 31 bps; TWCF merger on track","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-015203","json":"https://secwatch.observer/filing/0001558370-22-015203.json","markdown":"https://secwatch.observer/filing/0001558370-22-015203.md","text":"https://secwatch.observer/filing/0001558370-22-015203.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/775215/000155837022015203/0001558370-22-015203-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/775215/000155837022015203/hbt-20221024x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:47:10.424345+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}