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HBT Financial, Inc. HBT Card income — Revenue

Other product segments

Wealth management fees
$3.92M+38.6%
Service charges on deposit accounts
$2.49M+30.0%

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Other financials

Income statement

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Revenue$80.9M+37.6%
Net income$27.8M+44.8%
EPS (diluted)$0.76+24.6%

Balance sheet

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Cash & equivalents$132.3M-32.4%
Total debt$12.4M+70.8%
Total equity$764.7M+31.6%
Total assets$6.7B+34.1%

Cash flow

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Operating cash flow$17.2M+27.0%

Valuation

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Market cap$1.32B+73.5%
Enterprise value$1.2B+110%
P/E17×+7.1×
P/S4.9×+1.6×

Profitability

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Net margin29%-4.1pp

Returns & leverage

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Return on equity11.6%-2.5pp
Debt / equity0.0×

Where this comes from

Reported directly by HBT Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

The source filing: HBT Financial, Inc.’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000775215-26-000069
(dollars in thousands, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
PROVISION FOR CREDIT LOSSES6765265201,102
Net interest income after provision for credit losses68,38049,132124,92397,264
NONINTEREST INCOME
Card income3,4282,7976,1795,345
Wealth management fees3,9172,8267,6815,667
Service charges on deposit accounts2,4891,9154,6493,859
Mortgage servicing1,1431,0422,1262,032
Mortgage servicing rights fair value adjustment(751)(751)(554)(1,059)

ITEM 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is HBT Financial, Inc.'s card income — revenue?
HBT Financial, Inc. (HBT) reported card income — revenue of $3.43M in Q2 2026.
How has HBT Financial, Inc.'s card income — revenue changed year-over-year?
HBT Financial, Inc.'s card income — revenue increased by 22.6% year-over-year, from $2.8M to $3.43M.
What is the long-term trend for HBT Financial, Inc.'s card income — revenue?
Over 4 years (2021 to 2025), HBT Financial, Inc.'s card income — revenue has grown at a 2.6% compound annual growth rate (CAGR), from $9.73M to $10.79M.
What does card income — revenue mean?
This metric represents the total revenue generated from card-related services, including interchange fees, transaction processing fees, and other cardholder-related charges. It serves as a key indicator of the bank's success in capturing non-interest income through its retail and commercial payment product offerings. Monitoring this revenue stream helps assess the adoption and usage intensity of the institution's credit and debit card portfolios.

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