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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

$6.7BAssets
$4.8BLoans
$5.8BDeposits
$877.5MEquity
Loan mix
87%RE $3.7B12%C&I $0.5B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $4.4B23%Noninterest $1.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.57%1.62%1.65%1.68%1.67%1.08%1.43%-21 bps
Return on Equity12.95%13.32%13.05%13.16%13.35%13.22%8.47%11.16%-200 bps
Net Interest Margin3.89%3.91%3.99%4.03%4.06%4.03%4.09%3.86%-17 bps
Efficiency Ratio50.82%50.09%51.00%50.51%50.15%50.13%70.15%58.17%+765 bps
Non-Interest Burden1.65%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 / Loans0.24%0.22%0.15%0.17%0.22%0.22%0.28%0.19%+2 bps
Net Charge-Offs / Loans0.04%0.05%0.05%0.09%0.06%0.07%0.06%0.03%-6 bps
Allowance / Loans1.21%1.21%1.22%1.24%1.23%1.21%1.29%1.27%+3 bps
Allowance Coverage of NPLs5.0x5.5x8.2x7.4x5.5x5.5x4.6x6.7x-0.7x
Capital
Tier 1 Leverage Ratio11.64%11.98%12.12%11.97%11.95%12.02%13.63%11.94%-3 bps
Total Risk-Based Capital16.13%16.11%16.46%16.84%16.49%16.52%15.46%15.80%-104 bps
Equity / Assets12.28%12.31%12.58%12.70%12.70%12.91%12.62%13.05%+36 bps
Liquidity & Funding
Loans / Deposits78.46%80.00%78.77%77.17%78.05%79.10%80.42%82.30%+513 bps
Liquid Assets / Assets13.19%12.09%13.30%13.00%11.92%10.98%10.41%8.14%-486 bps
CRE / Total Capitaln/an/an/an/a340%342%351%n/an/a