HBT Financial, Inc. (NASDAQ: HBT), the holding company for Heartland Bank and Trust Company, announced its financial results for the second quarter of 2025. The company reported a net income of $19.2 million, or $0.61 per diluted share, an increase from $19.1 million, or $0.60 per diluted share, in the first quarter of 2025, and up from $18.1 million, or $0.57 per diluted share, in the second quarter of 2024. The adjusted net income for the second quarter was $19.8 million, or $0.63 per diluted share, compared to $19.3 million, or $0.61 per diluted share, in the previous quarter. The return on average assets (ROAA) was reported at 1.53%, with an adjusted ROAA of 1.58%. The return on average stockholders' equity (ROAE) stood at 13.47%, with an adjusted ROAE of 13.87%. HBT Financial highlighted a strong asset quality, with nonperforming assets to total assets at 0.13% and net charge-offs to average loans at 0.12% on an annualized basis. The net interest margin increased by 2 basis points to 4.14%, and the tax-equivalent basis net interest margin rose by 3 basis points to 4.19%. The company noted a decrease in commercial and industrial loans due to seasonal paydowns on grain elevator lines of credit and increased property sales causing higher payoffs in several portfolios. However, HBT Financial anticipates loan growth in the third quarter of 2025, supported by higher loan pipelines at the end of the second quarter and fewer projected payoffs. The company expressed confidence in its credit discipline, profitability, and balance sheet strength, indicating preparedness for various economic and interest rate environments and openness to acquisition opportunities if they arise.