HBT Financial Inc. reported net income of USD 18.9 million, or USD 0.60 per diluted share, for the fourth quarter (Q4) of 2025. The company’s return on average assets (ROAA) was 1.47%, while return on average stockholders’ equity (ROAE) stood at 12.34% for the period. Return on average tangible common equity (ROATCE) was 14.08%. On an adjusted basis, HBT Financial Inc. reported net income of USD 20.1 million, or USD 0.64 per diluted share, with adjusted ROAA at 1.57%, adjusted ROAE at 13.12%, and adjusted ROATCE at 14.97% for Q4 2025. Asset quality remained strong, with nonperforming assets to total assets at 0.17% and net charge-offs to average loans at 0.10% on an annualized basis. The company’s net interest margin declined by 1 basis point to 4.12%, while the net interest margin on a tax-equivalent basis decreased by 2 basis points to 4.16% in the quarter. Book value per share increased 16.2% to USD 17.20 as of December 31, 2025.

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