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HBT Financial, Inc. HBT Net Interest Income

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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:InterestIncomeExpenseNet.

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
Subordinated notes1,2454691,523939
Junior subordinated debentures issued to capital trusts8459271,6851,817
Total interest expense19,52714,26134,97928,691
Net interest income69,05649,658125,44398,366
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

ITEM 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is HBT Financial, Inc.'s net interest income?
HBT Financial, Inc. (HBT) reported net interest income of $69.06M in Q2 2026.
How has HBT Financial, Inc.'s net interest income changed year-over-year?
HBT Financial, Inc.'s net interest income increased by 39.1% year-over-year, from $49.66M to $69.06M.
What is the long-term trend for HBT Financial, Inc.'s net interest income?
Over 4 years (2021 to 2025), HBT Financial, Inc.'s net interest income has grown at a 12.9% compound annual growth rate (CAGR), from $122.4M to $198.9M.
What does net interest income mean?
The difference between the interest earned on assets and the interest paid on liabilities, representing the core profitability of the bank's lending and deposit-taking activities. It is a primary indicator of the bank's ability to manage its net interest margin effectively in varying rate environments.

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