secwatch.observer — SEC 8-K summary
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Issuer:     HBT Financial, Inc. (HBT)
CIK:        0000775215
Form:       8-K
Filed at:   2025-04-21T23:59:59+00:00
Accession:  0001628280-25-018482
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/775215/000162828025018482/0001628280-25-018482-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/775215/000162828025018482/hbt-20250421.htm
  HTML page:      https://secwatch.observer/filing/0001628280-25-018482

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer