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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 1.68% | 1.67% | 1.08% | 1.43% | -21 bps | |
| Return on Equity | 13.16% | 13.35% | 13.22% | 8.47% | 11.16% | -200 bps | |
| Net Interest Margin | 4.03% | 4.06% | 4.03% | 4.09% | 3.86% | -17 bps | |
| Efficiency Ratio | 50.51% | 50.15% | 50.13% | 70.15% | 58.17% | +765 bps | |
| Non-Interest Burden | 1.71% | 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 / Loans | 0.17% | 0.22% | 0.22% | 0.28% | 0.19% | +2 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.06% | 0.07% | 0.06% | 0.03% | -6 bps | |
| Allowance / Loans | 1.24% | 1.23% | 1.21% | 1.29% | 1.27% | +3 bps | |
| Allowance Coverage of NPLs | 7.4x | 5.5x | 5.5x | 4.6x | 6.7x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.97% | 11.95% | 12.02% | 13.63% | 11.94% | -3 bps | |
| Total Risk-Based Capital | 16.84% | 16.49% | 16.52% | 15.46% | 15.80% | -104 bps | |
| Equity / Assets | 12.70% | 12.70% | 12.91% | 12.62% | 13.05% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.17% | 78.05% | 79.10% | 80.42% | 82.30% | +513 bps | |
| Liquid Assets / Assets | 13.00% | 11.92% | 10.98% | 10.41% | 8.14% | -486 bps | |
| CRE / Total Capital | n/a | 340% | 342% | 351% | n/a | n/a | |