Bloomington, IL · Cert 20369 · HBT Financial Inc.
State charter, non-member · FDIC · 85 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating regionally (n=174). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
71
Profitability
54
Liquidity
54
Efficiency
48
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.
Bloomington, IL · Cert 20369 · HBT Financial Inc.
State charter, non-member · FDIC · 85 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #43 of 147 inst. · $1.7B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.57% | 1.62% | 1.65% | 1.68% | 1.67% | 1.08% | 1.43% | -21 bps | |
| Return on Equity | 12.95% | 13.32% | 13.05% | 13.16% | 13.35% | 13.22% | 8.47% | 11.16% | -200 bps | |
| Net Interest Margin | 3.89% | 3.91% | 3.99% | 4.03% | 4.06% | 4.03% | 4.09% | 3.86% | -17 bps | |
| Efficiency Ratio | 50.82% | 50.09% | 51.00% | 50.51% | 50.15% | 50.13% | 70.15% | 58.17% | +765 bps | |
| Non-Interest Burden | 1.65% | 1.60% | 1.70% | 1.71% | 1.69% | 1.67% | 2.64% | 2.00% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | -0.79% | 1.03% | 0.25% | 0.86% | 0.77% | 33.02% | 34.01% | +3,376 bps | |
| Loan Growth (YoY) | 0.79% | 1.79% | 3.44% | -1.06% | 0.85% | -0.30% | 35.38% | 41.96% | +4,301 bps | |
| Deposit Growth (YoY) | 2.08% | -1.91% | 0.57% | 0.16% | 1.38% | 0.85% | 32.59% | 33.10% | +3,295 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.22% | 0.15% | 0.17% | 0.22% | 0.22% | 0.28% | 0.19% | +2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.05% | 0.09% | 0.06% | 0.07% | 0.06% | 0.03% | -6 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.22% | 1.24% | 1.23% | 1.21% | 1.29% | 1.27% | +3 bps | |
| Allowance Coverage of NPLs | 5.0x | 5.5x | 8.2x | 7.4x | 5.5x | 5.5x | 4.6x | 6.7x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.64% | 11.98% | 12.12% | 11.97% | 11.95% | 12.02% | 13.63% | 11.94% | -3 bps | |
| Total Risk-Based Capital | 16.13% | 16.11% | 16.46% | 16.84% | 16.49% | 16.52% | 15.46% | 15.80% | -104 bps | |
| Equity / Assets | 12.28% | 12.31% | 12.58% | 12.70% | 12.70% | 12.91% | 12.62% | 13.05% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.46% | 80.00% | 78.77% | 77.17% | 78.05% | 79.10% | 80.42% | 82.30% | +513 bps | |
| Liquid Assets / Assets | 13.19% | 12.09% | 13.30% | 13.00% | 11.92% | 10.98% | 10.41% | 8.14% | -486 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 340% | 342% | 351% | n/a | n/a | |
Bloomington, IL · Cert 20369 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · HBT Financial Inc.
State charter, non-member · FDIC · 85 branches
Q2 2026
Return on Assets
1.32%
Rank 76 of 174
Net Interest Margin
3.86%
Rank 50 of 174
Efficiency Ratio
59.71%
Rank 91 of 174
Equity / Assets
13.05%
Rank 22 of 174
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.93% | 1.27% | 1.52% | Beats 56% | 76 / 174 | ||
| Return on Equity | 10.11% | 9.26% | 11.89% | 14.41% | Beats 36% | 112 / 174 | ||
| Net Interest Margin | 3.86% | 3.22% | 3.56% | 3.91% | Beats 71% | 50 / 174 | ||
| Efficiency Ratio | 59.71% | 51.59% | 59.21% | 67.02% | Beats 48% | 91 / 174 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.29% | 0.60% | 1.26% | Beats 84% | 29 / 174 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 57% | 75 / 174 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.75% | 11.19% | 12.73% | 14.11% | Beats 82% | 32 / 174 | ||
| Total Risk-Based Capital Ratio | 15.80% | 12.02% | 13.70% | 15.33% | Beats 81% | 33 / 174 | ||
| Equity / Assets | 13.05% | 9.15% | 10.31% | 11.72% | Beats 87% | 22 / 174 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.30% | 80.93% | 90.31% | 97.12% | 29th pctl | 124 / 174 | ||
| Loans / Assets | 70.76% | 69.01% | 75.52% | 80.85% | 31st pctl | 120 / 174 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||