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HBT Financial, Inc. HBT Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
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
Wealth management fees3,9172,8267,6815,667
Service charges on deposit accounts2,4891,9154,6493,859

ITEM 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is HBT Financial, Inc.'s net interest income (after provisions)?
HBT Financial, Inc. (HBT) reported net interest income (after provisions) of $68.38M in Q2 2026.
How has HBT Financial, Inc.'s net interest income (after provisions) changed year-over-year?
HBT Financial, Inc.'s net interest income (after provisions) increased by 39.2% year-over-year, from $49.13M to $68.38M.
What is the long-term trend for HBT Financial, Inc.'s net interest income (after provisions)?
Over 4 years (2021 to 2025), HBT Financial, Inc.'s net interest income (after provisions) has grown at a 10.7% compound annual growth rate (CAGR), from $130.48M to $195.73M.
What does net interest income (after provisions) mean?
Calculated as net interest income minus the provision for credit losses, this metric provides a clearer view of the bank's core earnings after accounting for the expected risk of loan defaults. It serves as a more conservative measure of the bank's operational profitability compared to net interest income alone.

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