HBT Financial, Inc. (FRA:9ND)

HBT Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	216.76	214.86	195.2	123.48	106.28	105.2
Interest Income on Investments	37.43	36.84	33.8	29.58	21.94	18.87
Total Interest Income	254.19	251.7	229	153.05	128.22	124.07
Interest Paid on Deposits	52.44	56.05	25.14	2.51	2.47	4.22
Interest Paid on Borrowings	6	6.8	12.79	4.67	3.35	2.24
Total Interest Expense	58.44	62.85	37.93	7.18	5.82	6.46
Net Interest Income	195.75	188.85	191.07	145.87	122.4	117.61
Net Interest Income Growth (YoY)	3.83%	-1.16%	30.98%	19.18%	4.08%	-12.10%
Trust Income	11.93	10.98	9.88	9.16	8.38	7.24
Gain (Loss) on Sale of Assets	-0.09	-0.64	0.17	0.14	-0.72	-0.07
Gain (Loss) on Sale of Investments	-0.48	-3.76	-1.66	-0.41	0.11	0.03
Other Non-Interest Income	18.84	19.42	17.78	17.62	17.32	12.29
Total Non-Interest Income	39.93	35.57	36.05	34.72	37.33	34.46
Non-Interest Income Growth (YoY)	20.45%	-1.32%	3.83%	-7.00%	8.33%	5.21%
Revenues Before Loan Losses	235.68	224.42	227.12	180.59	159.73	152.06
Provision for Loan Losses	2.42	3.03	1.65	-0.71	-8.08	10.53
Revenue	233.26	221.39	225.47	181.3	167.81	141.53
Revenue Growth (YoY)	6.87%	-1.81%	24.36%	8.04%	18.57%	-13.25%
Salaries and Employee Benefits	76.75	74.72	71.86	58.06	54.38	57.92
Federal Deposit Insurance	2.23	2.25	2.28	1.16	1.04	0.71
Amortization of Goodwill & Intangibles	2.79	2.84	2.67	0.87	1.05	1.23
Selling, General & Administrative	29.97	29.51	30.06	23.13	20.77	19.46
Other Non-Interest Expense	15.36	14.58	17.25	13.09	12.58	12.09
Total Non-Interest Expense	127.27	124.01	124.36	96.6	90.73	91.96
EBT Excluding Unusual Items	105.99	97.38	101.11	84.69	77.08	49.57
Legal Settlements	-	-	-0.8	-8.2	-	-
Pretax Income	105.99	97.38	88.58	76.19	76.56	49.57
Income Tax Expense	27.65	25.6	22.74	19.73	20.29	12.73
Net Income	78.34	71.78	65.84	56.46	56.27	36.85
Preferred Dividends & Other Adjustments	-	-	0.04	0.07	0.1	0.09
Net Income to Common	78.34	71.78	65.81	56.39	56.17	36.75
Net Income Growth	11.99%	9.02%	16.63%	0.33%	52.72%	-44.90%
Basic Shares Outstanding	32	32	32	29	28	27
Diluted Shares Outstanding	32	32	32	29	28	27
Shares Change (YoY)	-0.32%	-0.08%	9.75%	3.98%	1.29%	36.67%
EPS (Basic)	2.48	2.27	2.08	1.95	2.02	1.34
EPS (Diluted)	2.48	2.26	2.07	1.95	2.02	1.34
EPS Growth	12.74%	9.18%	6.15%	-3.46%	50.91%	-59.78%
Dividend Per Share	0.190	0.760	0.680	0.640	0.600	0.600
Dividend Growth	-74.32%	11.77%	6.25%	6.67%	-	-
Effective Tax Rate	26.09%	26.29%	25.67%	25.90%	26.50%	25.67%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.