HBT Financial (NASDAQ: HBT) shares Q4 and full-year 2025 results

Rhea-AI Filing Summary

HBT Financial, Inc. furnished an update on its recent performance by providing its financial results for the fourth quarter and full year ended December 31, 2025. The company issued an earnings press release, attached as Exhibit 99.1, and a detailed investor presentation, attached as Exhibit 99.2, to accompany discussions with the investment community. These materials are furnished, rather than filed, under the securities laws and the presentation is also available on the company’s investor relations website.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT PURSUANT TO

SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): January 26, 2026

HBT FINANCIAL, INC.

(Exact name of registrant as specified in its charter)

Delaware			001-39085			37-1117216
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification Number)
401 North Hershey Road Bloomington, Illinois						61704
(Address of principal executive offices)						(Zip Code)

(309) 662-4444

(Registrant’s telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☒			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, par value $0.01 per share			HBT			The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On January 26, 2026, HBT Financial, Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter ended and year ended December 31, 2025 (the “Earnings Release”). A copy of the Earnings Release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (this “Report”) and is incorporated herein by reference.

The information contained in Item 2.02, including Exhibit 99.1 furnished herewith, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that section, nor shall it be deemed incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or into any filing or other document pursuant to the Exchange Act, except to the extent required by applicable law or regulation.

Item 7.01. Regulation FD Disclosure.

The Company has prepared a presentation of its results for the fourth quarter ended and year ended December 31, 2025 (the “Presentation”) to be used from time to time during meetings with members of the investment community. A copy of the Presentation is furnished as Exhibit 99.2 to this Report and is incorporated herein by reference. The Presentation will also be made available on the Company’s investor relations website at ir.hbtfinancial.com under the Presentations section.

The information contained in Item 7.01, including Exhibit 99.2 furnished herewith, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities under that section, nor shall it be deemed incorporated by reference into any registration statement or other document pursuant to the Securities Act, or into any filing or other document pursuant to the Exchange Act, except to the extent required by applicable law or regulation.

Item 9.01. Financial Statements and Exhibits.

Exhibit Number			Description of Exhibit
99.1			Earnings Release issued January 26, 2026 for the Fourth Quarter Ended and Year Ended December 31, 2025.
99.2			HBT Financial, Inc. Presentation of Results for the Fourth Quarter Ended and Year Ended December 31, 2025.
104			Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

			HBT FINANCIAL, INC.
			By:			/s/ Peter R. Chapman
						Name: Peter R. Chapman
						Title: Chief Financial Officer
Date: January 26, 2026

FAQ

What did HBT (HBT) disclose in this current report?

HBT Financial, Inc. furnished an earnings press release for the fourth quarter and year ended December 31, 2025 as Exhibit 99.1, and an investor presentation covering the same periods as Exhibit 99.2.

Which periods do HBT Financial’s latest results cover?

The earnings release and investor presentation cover HBT Financial’s financial results for the fourth quarter ended and year ended December 31, 2025.

How is the HBT Financial investor presentation being used?

HBT Financial prepared the presentation to discuss its fourth quarter and full-year 2025 results during meetings with members of the investment community, and furnished it as Exhibit 99.2.

Are HBT Financial’s exhibits in this report considered filed with the SEC?

The earnings release in Item 2.02 and the presentation in Item 7.01, including Exhibits 99.1 and 99.2, are expressly stated as furnished rather than filed for purposes of Section 18 of the Exchange Act.

Where can investors access HBT Financial’s latest presentation?

HBT Financial will make the presentation of its fourth quarter and full-year 2025 results available on its investor relations website at ir.hbtfinancial.com under the Presentations section.

What exhibits are attached to HBT Financial’s current report?

Exhibit 99.1 is the earnings release for the fourth quarter and year ended December 31, 2025, Exhibit 99.2 is the related results presentation, and Exhibit 104 is the cover page interactive data file.