Here are the 10-K annual reports from HBT Financial, Inc. (HBT) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow HBT and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full HBT filings page.
HBT Financial, Inc. reports that as of December 31, 2025 it had total assets of $5.1 billion, loans held for investment of $3.5 billion, and total deposits of $4.4 billion. The Illinois-based community bank operates 66 full-service branches across Illinois and eastern Iowa, offering commercial, agricultural, residential, deposit, and wealth management services.
The company emphasizes conservative credit culture, strong profitability, and disciplined organic and acquisition-driven growth. It completed the Town and Country acquisition in 2023 and, as a subsequent event, closed the CNB Bank Shares, Inc. acquisition on March 1, 2026, adding a franchise with $1.8 billion in assets. Total CNB consideration was 5.5 million HBT shares plus $34 million in cash, valued at approximately $182 million. HBT highlights capital ratios above “well capitalized” thresholds and details extensive regulatory, credit, interest rate, liquidity, technology, and economic risk factors.