---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-018482"
form_type: "8-K"
ticker: "HBT"
cik: "0000775215"
company_name: "HBT Financial, Inc."
filed_at: "2025-04-21T23:59:59+00:00"
generated_at: "2026-05-23T10:47:48.154550+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# HBT Financial Q1 2025 net income $19.1M ($0.60 EPS); NIM up 16 bps to 4.12%

## Summary
- Net income of $19.1M ($0.60 diluted EPS); adjusted net income $19.3M ($0.61).
- Net interest margin increased 16 bps to 4.12% (tax-equivalent 4.16%) on higher loan and securities repricing and lower deposit costs.
- Asset quality exceptional: nonperforming assets to total assets 0.11%; annualized net charge-offs to avg loans 0.05%.
- Tangible book value per share $15.43, up 4.3% QoQ and 17.0% YoY.
- Deposits up 1.5% linked-quarter; average loans up 2.2%; all capital ratios increased.

## SEC filing metadata
- accession: 0001628280-25-018482
- form_type: 8-K
- ticker: HBT
- cik: 0000775215
- company_name: HBT Financial, Inc.
- filed_at: 2025-04-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/775215/000162828025018482/0001628280-25-018482-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/775215/000162828025018482/hbt-20250421.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-018482
- JSON: https://secwatch.observer/filing/0001628280-25-018482.json
- Plain text: https://secwatch.observer/filing/0001628280-25-018482.txt

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