10-Q quarterly report · filed May 6, 2026

HBT Financial, Inc. (HBT) Q1 2026 10-Q Quarterly Report

Short answer

HBT Financial, Inc. (HBT) filed its Q1 2026 10-Q quarterly report on May 6, 2026 for the quarter ended Mar 31, 2026. Quarterly revenue was $72M (up 13.8% year over year) with net income of $11M.

Q1 2026 key financials · XBRL

Revenue
$72M
+13.8% YoY
Net income
$11M
−41.3% YoY
EPS (diluted)
$0.34
−43.3% YoY

Source: XBRL data from the HBT Financial, Inc. (HBT) Q1 2026 10-Q on SEC EDGAR. USD.

HBT Financial, Inc. Q1 2026 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Revenue proxy: total interest and dividend income $71.8M, up $8.7M YoY from $63.1M
  • Net income $11.2M vs $19.1M; net interest margin 4.20% vs 4.12% YoY
  • Wealth management fees best performer at $3.8M, up 32.5% YoY; data processing expense worst at $11.8M, up 334.1%
  • Cash and equivalents $287.7M, up $165.4M from December 31; $85.0M subordinated-notes issuance
  • Near-term headwind: potential rate decreases may pressure net interest margin; economic deterioration may increase credit losses

Risk Factors

  • No material changes to 2025 Form 10-K risk factors
  • Regulatory and compliance risks carried forward without quarterly updates
  • Banking operations, competition, and market risks unchanged from 2025 Form 10-K
  • Financial risks unchanged, including liquidity, debt maturities, and interest-rate exposure

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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