HBT Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	266.65	216.82	214.86	195.2	123.48	106.28
Interest Income on Investments	48.83	38.96	36.84	33.8	29.58	21.94
Total Interest Income	315.48	255.78	251.7	229	153.05	128.22
Interest Paid on Deposits	62.4	51.69	56.05	25.14	2.51	2.47
Interest Paid on Borrowings	6.76	5.2	6.8	12.79	4.67	3.35
Total Interest Expense	69.17	56.89	62.85	37.93	7.18	5.82
Net Interest Income	246.31	198.9	188.85	191.07	145.87	122.4
Net Interest Income Growth	25.82%	5.32%	-1.16%	30.98%	19.18%	4.08%
Trust Income	14.98	12.15	10.98	9.88	9.16	8.38
Gain (Loss) on Sale of Assets	-0.27	-0.09	-0.64	0.17	0.14	-0.72
Gain (Loss) on Sale of Investments	-0.28	-0.19	-3.76	-1.66	-0.41	0.11
Other Non-Interest Income	21.73	16.8	19.42	17.78	17.62	17.32
Total Non-Interest Income	46.92	38.19	35.57	36.05	34.72	37.33
Non-Interest Income Growth	17.51%	7.36%	-1.32%	3.83%	-7.00%	8.33%
Revenues Before Loan Losses	293.22	237.09	224.42	227.12	180.59	159.73
Provision for Loan Losses	1.42	3.16	3.03	1.65	-0.71	-8.08
Revenue	291.8	233.92	221.39	225.47	181.3	167.81
Revenue Growth	25.10%	5.66%	-1.81%	24.36%	8.04%	18.57%
Salaries and Employee Benefits	92.3	77.72	74.72	71.86	58.06	54.38
Federal Deposit Insurance	2.55	2.23	2.25	2.28	1.16	1.04
Amortization of Goodwill & Intangibles	4.44	2.73	2.84	2.67	0.87	1.05
Selling, General & Administrative	36.73	30.69	29.51	30.06	23.13	20.77
Other Non-Interest Expense	20.74	15.47	14.45	17.37	13.09	12.58
Total Non-Interest Expense	156.94	129.01	123.88	124.49	96.6	90.73
EBT Excluding Unusual Items	134.87	104.92	97.51	100.98	84.69	77.08
Legal Settlements	-	-	-	-0.8	-8.2	-
Other Unusual Items	0.39	-	-	-	-	-
Pretax Income	121.2	104.51	97.38	88.58	76.19	76.56
Income Tax Expense	31.82	27.5	25.6	22.74	19.73	20.29
Net Income	89.37	77.01	71.78	65.84	56.46	56.27
Preferred Dividends & Other Adjustments	-	-	-	0.04	0.07	0.1
Net Income to Common	89.37	77.01	71.78	65.81	56.39	56.17
Net Income Growth	14.08%	7.28%	9.08%	16.70%	0.40%	52.83%
Basic Shares Outstanding	34	32	32	32	29	28
Diluted Shares Outstanding	34	32	32	32	29	28
Shares Change	8.89%	-0.32%	-0.08%	9.75%	3.98%	1.29%
EPS (Basic)	2.60	2.44	2.27	2.08	1.95	2.02
EPS (Diluted)	2.60	2.44	2.26	2.07	1.95	2.02
EPS Growth	4.65%	7.96%	9.18%	6.15%	-3.46%	50.91%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.920	0.840	0.760	0.680	0.640	0.600
Dividend Growth	12.20%	10.53%	11.77%	6.25%	6.67%	0%
Effective Tax Rate	26.26%	26.31%	26.29%	25.67%	25.90%	26.50%

SEC Filings: 10-K · 10-Q