HBT Financial Inc. reported net income of $19.8 million for the third quarter of 2025, compared to $19.2 million in the previous quarter and $18.2 million in the third quarter of 2024. Return on average assets was 1.56%, and return on average stockholders' equity was 13.31%. Adjusted net income was $20.5 million. The ratio of nonperforming assets to total assets was 0.17%, and net charge-offs to average loans were 0.02% on an annualized basis. Net interest margin decreased by 1 basis point to 4.13%. Loans increased at an annualized rate of 6.2% for the quarter.
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