---
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"
generated_at: "2026-06-23T01:47:10.424345+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-015203
- JSON: https://secwatch.observer/filing/0001558370-22-015203.json
- Plain text: https://secwatch.observer/filing/0001558370-22-015203.txt

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