---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-24-043142"
form_type: "8-K"
ticker: "HBT"
cik: "0000775215"
company_name: "HBT Financial, Inc."
filed_at: "2024-10-21T23:59:59+00:00"
generated_at: "2026-05-30T12:38:56.428303+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# HBT Financial Q3 2024 net income $18.2M, EPS $0.57; adjusted EPS $0.61, NIM expands

## Summary
- Net income $18.2M ($0.57 diluted EPS); adjusted net income $19.2M ($0.61 diluted EPS).
- NIM (tax-equivalent) expanded to 4.03% from 4.00% prior quarter; funding costs up 5 bps to 1.47%.
- Asset quality remains strong: NPAs/total assets 0.17%, net charge-offs 0.07% annualized.
- Tangible book value per share increased 23.3% YoY; all capital ratios solid.
- Noninterest expense $31.3M, up 2.1% from Q3 2023; management focused on efficiency.

## SEC filing metadata
- accession: 0001628280-24-043142
- form_type: 8-K
- ticker: HBT
- cik: 0000775215
- company_name: HBT Financial, Inc.
- filed_at: 2024-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/775215/000162828024043142/0001628280-24-043142-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/775215/000162828024043142/hbt-20241021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-24-043142
- JSON: https://secwatch.observer/filing/0001628280-24-043142.json
- Plain text: https://secwatch.observer/filing/0001628280-24-043142.txt

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