← HBT Financial, Inc.

Annual Trend FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Revenue $23.7m $24.1m $22.9m $21.3m $24.2m $26.6m $28.8m $30.0m $31.0m
Taxable $11.5m $14.5m $14.9m $13.2m $16.9m $23.4m $26.0m $25.8m $31.1m
Federally tax exempt $7.9m $7.2m $5.7m $4.7m $4.4m $4.6m $4.2m $2.1m $1.8m
Interest-bearing deposits in bank $1.7m $1.7m $3.0m $938k $527k $1.5m $3.0m $8.3m $5.5m
Other interest and dividend income $51k $68k $60k $56k $64k $98k $595k $662k $547k
Deposits $5.0m $5.9m $7.9m $4.2m $2.5m $2.5m $25.1m $56.0m $51.7m
Securities sold under agreements to repurchase $45k $48k $72k $48k $34k $36k $255k $594k $22k
Borrowings $66k $260k $9k $2k $9k $967k $7.1m $480k $203k
Subordinated notes $1.5m $1.8m $1.9m $616k $1.9m $1.9m $1.9m $1.9m $1.3m
Junior subordinated debentures issued to capital trusts — $1.8m $1.9m $1.6m $1.4m $1.8m $3.5m $3.9m $3.6m
Net interest income $121.0m $129.4m $133.8m $117.6m $122.4m $145.9m $191.1m $188.8m $198.9m
PROVISION FOR CREDIT LOSSES ($8.1m) ($706k) $7.6m $3.0m $3.2m
Net interest income after provision for credit losses $117.9m $123.7m $130.4m $107.1m $130.5m $146.6m $183.5m $185.8m $195.7m
Mortgage servicing $3.4m $3.3m $3.1m $3.0m $2.8m $2.6m $4.7m $4.4m $4.1m
Mortgage servicing rights fair value adjustment ($315k) $629k ($2.4m) ($2.6m) $1.7m $2.2m ($1.6m) ($174k) ($1.9m)
Gains on sale of mortgage loans $4.5m $2.9m $3.1m $8.8m $5.8m $1.5m $1.5m $1.6m $1.5m
Realized gains (losses) on sales of securities — — — — $0 $0 ($1.8m) ($3.7m) ($200k)
Unrealized gains (losses) on equity securities — — — $33k $107k ($414k) $160k ($59k) $7k
Gains (losses) on foreclosed assets — — $940k $142k $310k ($314k) $501k $22k $4k
Gains (losses) on other assets ($2.1m) $787k $944k ($71k) ($723k) $136k $166k ($635k) ($85k)
Income on bank owned life insurance — — — — $41k $164k $573k $915k $671k
Other noninterest income $5.0m $3.6m $4.1m $3.8m $3.0m $2.4m $3.1m $3.2m $3.1m
Salaries $51.4m $49.7m $49.3m $50.6m $49.4m $51.8m $67.5m $65.1m $66.3m
Employee benefits $5.9m $6.2m $9.6m $8.0m $6.7m $8.3m $10.0m $11.3m $13.5m
Occupancy of bank premises $7.3m $7.4m $6.9m $6.6m $6.8m $7.7m $9.9m $10.3m $10.7m
Furniture and equipment $3.4m $3.0m $2.8m $2.4m $2.7m $2.5m $2.8m $2.0m $2.3m
Data processing $4.8m $5.2m $5.6m $6.7m $7.3m $7.4m $12.4m $11.2m $11.8m
Marketing and customer relations $4.5m $4.2m $3.9m $3.5m $3.4m $3.8m $5.0m $4.3m $4.2m
Amortization of intangible assets $1.9m $1.6m $1.4m $1.2m $1.1m $873k $2.7m $2.8m $2.7m
Loss on extinguishment of debt — — — — — — $0 $0 $391k
FDIC insurance $960k $942k $198k $707k $1.0m $1.2m $2.3m $2.3m $2.2m
Loan collection and servicing $3.0m $2.7m $2.6m $1.8m $1.3m $1.0m $1.4m $2.1m $1.3m
Foreclosed assets $1.3m $772k $676k $557k $908k $293k $251k $109k $169k
Total interest and dividend income $127.6m $137.4m $143.7m $124.1m $128.2m $153.1m $229.0m $251.7m $255.8m
Total noninterest income $33.2m $31.2m $32.8m $34.5m $37.3m $34.7m $36.0m $35.6m $38.2m
NET INCOME $56.1m $63.8m $66.9m $36.8m $56.3m $56.5m $65.8m $71.8m $77.0m
EARNINGS PER SHARE - BASIC (in dollars per share) $3.10 $3.54 $3.33 $1.34 $2.02 $1.95 $2.08 $2.27 $2.44
EARNINGS PER SHARE - DILUTED (in dollars per share) $3.10 $3.54 $3.33 $1.34 $2.02 $1.95 $2.07 $2.26 $2.44
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING (in shares) 18.1m 18.0m 20.1m 27.5m 27.8m 28.9m 31.6m 31.6m 31.5m
Other noninterest expense $8.5m $8.6m $8.1m $9.8m $10.6m $20.2m $16.8m $12.5m $13.7m
INCOME BEFORE INCOME TAX EXPENSE $57.0m $64.7m $72.1m $49.6m $76.6m $76.2m $88.6m $97.4m $104.5m
INCOME TAX EXPENSE $870k $869k $5.3m $12.7m $20.3m $19.7m $22.7m $25.6m $27.5m
Total interest expense $6.6m $8.0m $9.9m $6.5m $5.8m $7.2m $37.9m $62.9m $56.9m
Total noninterest expense $94.1m $90.3m $91.0m $92.0m $91.2m $105.1m $131.0m $124.0m $129.4m

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.