Short answer
HBT Financial, Inc. (HBT) filed its Q3 2025 10-Q quarterly report on Oct 31, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $64M (up 0.3% year over year) with net income of $20M.
Q3 2025 key financials · XBRL
- Revenue
- $64M
- +0.3% YoY · +0.7% QoQ
- Net income
- $20M
- +8.7% YoY · +2.8% QoQ
- EPS (diluted)
- $0.63
- +10.5% YoY · +3.3% QoQ
Source: XBRL data from the HBT Financial, Inc. (HBT) Q3 2025 10-Q on SEC EDGAR. USD.
HBT Financial, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $19.8M, up 8.7% YoY from $18.2M
- Net interest margin 4.13% vs 3.98% YoY
- Wealth management fees $3.1M, up 16.9%; card income $2.7M, down 0.8%
- Net interest income $50.0M, up 4.7% YoY; subordinated-note payoff cost $40.0M
- Outlook: rate cuts may pressure net interest margin; CNB acquisition expected Q1 2026
Risk Factors
- No material changes to 10-K risk factors filed March 7, 2025
- Acquisition execution risk from October 20, 2025 CNB Bank Shares merger agreement
- Capital allocation risk from $15.0 million repurchase authorization expiring January 1, 2026
- Market risk affecting repurchases through price, trading volume, and market conditions
- Regulatory compliance risk constraining repurchases through corporate and regulatory requirements
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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