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Heartland Bank and Trust Company

Bloomington, IL · Cert 20369 · HBT Financial Inc.

State charter, non-member · FDIC · 85 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=178). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Heartland Bank and Trust Company

Bloomington, IL · Cert 20369 · HBT Financial Inc.

State charter, non-member · FDIC · 85 branches

Q2 2026

$6.7BAssets
$4.8BLoans
$5.8BDeposits
$877.5MEquity
Loan mix
87%RE $3.7B12%C&I $0.5B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $4.4B23%Noninterest $1.3BQ2 2025Q2 2026

NIM

4.89%Q2 ’245.00%Q2 ’254.74%Q2 ’26+5%-4%

Non-interest income vs. expense

2.34%Q2 ’242.43%Q2 ’252.67%Q2 ’26+6%+17%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #43 of 147 inst. · $1.7B of $630.7B

20.6% McLean
0.2% Cook
13.4% DeKalb
26.7% Macoupin

Executive Summary

  • Earnings: ROA of 1.43%, down 21 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.19% of loans (+2 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.94%, down 3 bps from a year ago.
  • Funding: loans stand at 82.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.43%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-17 bps YoY

Efficiency Ratio (YTD, annualized)

58.17%+765 bps YoY

Tier 1 Leverage Ratio

11.94%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.68%1.67%1.08%1.43%-21 bps
Return on Equity13.16%13.35%13.22%8.47%11.16%-200 bps
Net Interest Margin4.03%4.06%4.03%4.09%3.86%-17 bps
Efficiency Ratio50.51%50.15%50.13%70.15%58.17%+765 bps
Non-Interest Burden1.71%1.69%1.67%2.64%2.00%+29 bps
Growth
Asset Growth (YoY)0.25%0.86%0.77%33.02%34.01%+3,376 bps
Loan Growth (YoY)-1.06%0.85%-0.30%35.38%41.96%+4,301 bps
Deposit Growth (YoY)0.16%1.38%0.85%32.59%33.10%+3,295 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.22%0.22%0.28%0.19%+2 bps
Net Charge-Offs / Loans0.09%0.06%0.07%0.06%0.03%-6 bps
Allowance / Loans1.24%1.23%1.21%1.29%1.27%+3 bps
Allowance Coverage of NPLs7.4x5.5x5.5x4.6x6.7x-0.7x
Capital
Tier 1 Leverage Ratio11.97%11.95%12.02%13.63%11.94%-3 bps
Total Risk-Based Capital16.84%16.49%16.52%15.46%15.80%-104 bps
Equity / Assets12.70%12.70%12.91%12.62%13.05%+36 bps
Liquidity & Funding
Loans / Deposits77.17%78.05%79.10%80.42%82.30%+513 bps
Liquid Assets / Assets13.00%11.92%10.98%10.41%8.14%-486 bps
CRE / Total Capitaln/a340%342%351%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Heartland Bank and Trust Company

Bloomington, IL · Cert 20369 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · HBT Financial Inc.

State charter, non-member · FDIC · 85 branches

Q2 2026

$6.7BAssets
$4.8BLoans
$5.8BDeposits
$877.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets operating regionally (rank 22 of 178).
  • Widest gap: return on equity trails 63% of banks $1B-$10B in assets operating regionally (rank 113 of 178).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.32%

Rank 77 of 178

Net Interest Margin

3.86%

Rank 50 of 178

Efficiency Ratio

59.71%

Rank 94 of 178

Equity / Assets

13.05%

Rank 22 of 178

Non-interest income vs. expense

$45.4M$180.6MINCOMEEXPENSE
Unfavorable gap of $135.2M · efficiency ratio beats 48% of banks $1B-$10B in assets operating regionally
Bank 59.71%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%0.91%1.25%1.53%Beats 57%77 / 178
Return on Equity10.11%9.18%11.89%14.44%Beats 37%113 / 178
Net Interest Margin3.86%3.22%3.56%3.91%Beats 72%50 / 178
Efficiency Ratio59.71%52.04%58.90%67.10%Beats 48%94 / 178
Asset Quality
Nonperforming Loans / Loans0.19%0.29%0.60%1.26%Beats 86%26 / 178
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 57%77 / 178
Capital
Tier 1 Capital Ratio14.75%11.19%12.72%14.14%Beats 81%33 / 178
Total Risk-Based Capital Ratio15.80%11.91%13.63%15.33%Beats 81%34 / 178
Equity / Assets13.05%9.12%10.35%11.80%Beats 88%22 / 178
Liquidity & Funding
Loans / Deposits82.30%80.94%89.92%97.12%29th pctl127 / 178
Loans / Assets70.76%69.25%75.52%80.96%30th pctl125 / 178
Brokered Deposits / Depositsn/aNot reported for this institution