HBT Financial, Inc. (HBT) Form 8-K — Oct 26, 2026
HBT Financial reported strong Q3 2026 results with net income of $31.4 million, or $0.86 per diluted share, up from $19.8 million ($0.63) a year ago and $27.8 million ($0.76) last quarter. Return on average assets was 1.85% and ROATCE 19.27%, while net interest margin expanded 3 bps to 4.35%. Asset quality remains exceptional with nonperforming assets at just 0.16% of total assets, net recoveries of 0.04% of average loans, and all regulatory capital ratios rising, including a CET1 ratio of 12.94%. Total assets reached $6.7 billion with loans of $4.78 billion and deposits of $5.75 billion.
Key figures
- Eps
- 0.86
- Revenue
- $84.6 million operating revenue (net interest income $70.3M + noninterest income $14.2M)
- Guidance
- 4Q26 noninterest income expected between $11.5M and $13M; noninterest expense between $41M and $43M; NIM expected up modestly; loans relatively flat
- Net Income
- $31.4 million
- Total Debt
- $149.2 million (subordinated notes $84.1M, junior subordinated debentures $53.0M, FHLB advances $12.2M)
- Revenue Yoy
- Net interest income +40.7% YoY; noninterest income +44.6% YoY
- Total Assets
- $6.72 billion
- Cash Position
- $126.3 million
- Shares Outstanding
- 36365612
- Nim
- 4.35% (4.40% FTE)
- Roaa
- 1.85%
- Roatce
- 19.27%
- Cet1 ratio
- 12.94%
- Total loans
- $4.78 billion
- Npas to assets
- 0.16%
- Total deposits
- $5.75 billion
- Cost of deposits
- 1.25%
- Efficiency ratio fte
- 48.24%
- Nine month net income
- $70.4 million ($1.99 diluted EPS)
- Tangible book value per share
- $17.34
- Remaining buyback authorization
- $14.0 million of $30.0 million program
AI analysis
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