secwatch.observer — SEC 8-K summary
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Issuer:     HBT Financial, Inc. (HBT)
CIK:        0000775215
Form:       8-K
Filed at:   2022-10-24T23:59:59+00:00
Accession:  0001558370-22-015203
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/775215/000155837022015203/0001558370-22-015203-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/775215/000155837022015203/hbt-20221024x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-22-015203

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