← HBT Financial, Inc.
| Annual Trend | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash and cash equivalents | $186.9m | $284.0m | $312.5m | $409.3m | $114.2m | $141.3m | $137.7m | $122.3m | |
| Accrued interest receivable | $15.3m | $14.0m | $14.3m | $14.9m | $19.5m | $24.5m | $24.8m | $23.8m | |
| Goodwill | $23.6m | $23.6m | $23.6m | $29.3m | $29.3m | $59.8m | $59.8m | $59.8m | |
| Intangible assets, net | $5.5m | $4.0m | $2.8m | $1.9m | $1.1m | $20.7m | $17.8m | $15.1m | |
| Other assets | $7.2m | $16.6m | $20.7m | $17.4m | $56.4m | $55.2m | $46.3m | $33.9m | |
| Cash and due from banks | $21.3m | $22.1m | $24.9m | $23.4m | $19.0m | $26.3m | $29.6m | $24.4m | |
| Interest-bearing deposits with banks | $165.5m | $261.9m | $287.5m | $385.9m | $95.2m | $115.0m | $108.1m | $97.8m | |
| Debt securities available-for-sale, at fair value | — | $592.4m | $922.9m | $942.2m | $843.5m | $759.5m | $698.0m | $813.1m | |
| Debt securities held-to-maturity (fair value of $426,799 at 2025 and $445,186 at 2024) | — | $88.5m | $68.4m | $336.2m | $541.6m | $521.4m | $499.9m | $458.7m | |
| Equity securities with readily determinable fair value | — | — | $3.3m | $3.4m | $3.0m | $3.4m | $3.3m | $3.3m | |
| Equity securities with no readily determinable fair value | — | — | $1.6m | $1.9m | $2.0m | $2.5m | $2.6m | $2.6m | |
| Restricted stock, at cost | $2.7m | $2.4m | $2.5m | $2.7m | $8.0m | $7.2m | $5.1m | $5.0m | |
| Loans held for sale | $2.8m | $4.5m | $14.7m | $4.9m | $615k | $2.3m | $1.6m | $1.3m | |
| Loans, before allowance for credit losses | — | — | — | — | $2.6b | $3.4b | $3.5b | $3.5b | |
| Allowance for credit losses | — | — | — | — | ($25.3m) | ($40.0m) | ($42.0m) | ($41.7m) | |
| Loans, net of allowance for credit losses | — | — | — | — | $2.6b | $3.4b | $3.4b | $3.4b | |
| Bank owned life insurance | — | — | — | $7.4m | $7.6m | $23.9m | $24.0m | $24.7m | |
| Bank premises and equipment, net | $54.7m | $54.0m | $52.9m | $52.5m | $50.5m | $65.2m | $66.8m | $73.6m | |
| Bank premises held for sale | $749k | $121k | $121k | $1.5m | $235k | $0 | $317k | $0 | |
| Foreclosed assets | $9.6m | $5.1m | $4.2m | $3.3m | $3.0m | $852k | $367k | $1.1m | |
| Mortgage servicing rights, at fair value | $10.9m | $8.5m | $5.9m | $8.0m | $10.1m | $19.0m | $18.8m | $16.9m | |
| Investments in unconsolidated subsidiaries | $1.2m | $1.2m | $1.2m | $1.2m | $1.2m | $1.6m | $1.6m | $1.6m | |
| Noninterest-bearing | $664.9m | $689.1m | $882.9m | $1.1b | $995.0m | $1.1b | $1.0b | $1.0b | |
| Interest-bearing | $2.1b | $2.1b | $2.2b | $2.7b | $2.6b | $3.3b | $3.3b | $3.3b | |
| Securities sold under agreements to repurchase | $46.2m | $44.4m | $45.7m | $61.3m | $43.1m | $42.4m | $29.0m | $0 | |
| Federal Home Loan Bank advances | — | — | — | $0 | $160.0m | $12.6m | $13.2m | $12.3m | |
| Subordinated notes | $37.5m | $37.6m | $39.2m | $39.3m | $39.4m | $39.5m | $39.6m | $0 | |
| Junior subordinated debentures issued to capital trusts | — | $37.6m | $37.6m | $37.7m | $37.8m | $52.8m | $52.8m | $52.9m | |
| Other liabilities | $29.5m | $53.3m | $49.5m | $25.9m | $45.8m | $34.9m | $35.4m | $31.4m | |
| Surplus | $32.3m | $190.5m | $190.9m | $220.9m | $222.8m | $295.9m | $297.3m | $298.5m | |
| Total deposits | $2.8b | $2.8b | $3.1b | $3.7b | $3.6b | $4.4b | $4.3b | $4.4b | |
| Total stockholders’ equity | $340.4m | $332.9m | $363.9m | $411.9m | $373.6m | $489.5m | $544.6m | $615.5m | |
| Total assets | $3.2b | $3.2b | $3.7b | $4.3b | $4.3b | $5.1b | $5.0b | $5.1b | |
| Total liabilities and stockholders’ equity | $3.2b | $3.2b | $3.7b | $4.3b | $4.3b | $5.1b | $5.0b | $5.1b | |
| Total liabilities | $2.9b | $2.9b | $3.3b | $3.9b | $3.9b | $4.6b | $4.5b | $4.5b | |
| Preferred stock, $0.01 par value; 25,000,000 shares authorized; none issued or outstanding | — | — | — | — | 0 | 0 | 0 | 0 | |
| Common stock, $0.01 par value; 125,000,000 shares authorized; shares issued of 32,899,104 at 2025 and 32,827,039 at 2024; shares outstanding of 31,431,924 at 2025 and 31,559,366 at 2024 | 181k | 275k | 275k | 293k | 293k | 327k | 328k | 329k | |
| Retained earnings | $315.2m | $134.3m | $154.6m | $194.1m | $232.0m | $269.1m | $316.8m | $367.2m | |
| Accumulated other comprehensive income (loss) | ($4.3m) | $7.8m | $18.2m | $1.5m | ($71.8m) | ($57.2m) | ($46.8m) | ($23.0m) | |
| Treasury stock at cost, 1,467,180 shares at 2025 and 1,267,673 at 2024 | ($3.0m) | — | — | ($4.9m) | ($9.7m) | ($18.6m) | ($23.0m) | ($27.5m) |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.