---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-24-032392"
form_type: "8-K"
ticker: "HBT"
cik: "0000775215"
company_name: "HBT Financial, Inc."
filed_at: "2024-07-22T23:59:59+00:00"
generated_at: "2026-05-31T18:44:50.171660+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# HBT Financial Q2 net income $18.1M ($0.57 EPS); ROAA 1.45%, ROATCE 17.21%

## Summary
- Net income of $18.1M vs $15.3M in Q1 2024 and $18.5M in Q2 2023; diluted EPS $0.57.
- Tangible book value per share $13.64, up 17.8% year-over-year.
- Loan growth of $39.5M (4.7% annualized); net interest margin (tax-equivalent) 4.00%.
- Nonperforming assets to total assets 0.17%, near historic low; net charge-offs 0.08% of avg loans annualized.
- Efficiency ratio (tax-equivalent basis) 52.1%; costs well controlled.

## SEC filing metadata
- accession: 0001628280-24-032392
- form_type: 8-K
- ticker: HBT
- cik: 0000775215
- company_name: HBT Financial, Inc.
- filed_at: 2024-07-22T23:59:59+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/775215/000162828024032392/0001628280-24-032392-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/775215/000162828024032392/hbt-20240722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-24-032392
- JSON: https://secwatch.observer/filing/0001628280-24-032392.json
- Plain text: https://secwatch.observer/filing/0001628280-24-032392.txt

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