Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ⌧ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39085 HBT Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 37-1117216 (State or other jurisdic ...

业绩总结 - 2020年第四季度净收入为1260万美元，每股摊薄收益为0.46美元[4] - 调整后的净收入为1240万美元，每股摊薄收益为0.45美元[4] - 2020年公司资产回报率（ROAA）为1.15%，净利差（NIM）为3.60%[40] - 2020年调整后的资产回报率为1.15%，低于2019年的1.78%[71] - 2020年调整后的股东权益回报率为11.33%，低于2019年的16.81%[72] - 2020年净利息收入（税前等效）为119,548千美元，较2019年的136,109千美元下降12.1%[73] - 2020年调整后的净收入为39,734千美元，较2019年的57,427千美元下降30.9%[71] 用户数据 - 不良贷款总额为1000万美元，占总贷款的0.44%[4] - 2020年不良贷款为2,929千美元，较2019年的10,841千美元下降73.0%[78] - 2020年不良贷款占贷款总额的比例为0.14%，较2019年的0.54%显著下降[82] - 2020年不良资产总额为10,525千美元，较2019年下降了14.4%[86] - 2020年不良贷款占贷款比例为5.83%，较2019年上升了17.5%[86] 未来展望 - 预计贷款余额（不包括PPP贷款的影响）将在经济复苏持续之前保持相对平稳[37] - 预计财富管理费用将适度增长，而抵押贷款银行利润预计在2021年第一季度相较于2020年第四季度将下降[37] 新产品和新技术研发 - 公司在2020年通过合并林肯州立银行实现了成本节约，预计将提高运营效率[37] 市场扩张和并购 - 公司在核心市场的存款市场份额领先，且在芝加哥大都市区有增长机会[44] - 公司在中型市场的核心地位稳固，在伊利诺伊州中部的7个最大核心中型市场中，有6个市场的存款份额排名前3[52] 负面信息 - 2020年效率比率为59.66%，较2019年的53.80%有所上升[75] - 2020年不良贷款总额为7031千美元，较2019年增加了10.0%[86] 其他新策略和有价值的信息 - 公司总估计流动性为1,429,205千美元，包括342,751千美元的可用FHLB预付款能力和90,000千美元的可用联邦基金信用额度[34] - 公司存款成本显著低于同行，存款成本为0.27%[59] - 2020年公司历史净坏账率为0.04%[65] - 2020年核心存款总额为3,103,847千美元，较2019年增长了13.6%[91]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ⌧ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39085 HBT Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 37-1117216 (State or other ...

S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L HBT Financial, Inc. O c t o b e r 2 6 , 2020 Q3 2020 Results Presentation tt Forward-Looking Statements 1 Certain statements contained in this presentation are forward-looking statements. Forward-looking statements may include statements relating to our future plans, strategies and expectations, as well as the economic impact of COVID-19 and the related impacts on our future financial results and statements about our near-term outlook, including ne ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ⌧ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39085 HBT Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 37-1117216 (State or other juri ...

S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L HBT Financial, Inc. J u l y 2 7 , 2020 Q2 2020 Results Presentation tt Forward-Looking Statements 1 Certain statements contained in this presentation are forward-looking statements. Forward-looking statements may include statements relating to our future plans, strategies and expectations, as well as the economic impact of COVID-19 and the related impacts on our future financial results and statements about our near-term outlook, including near-ter ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39085 HBT Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 37-1117216 (State or other jur ...

STRICTLY PRIVATE AND CONFIDENTIAL HBT Financial, Inc. April 2020 COVID-19 Response and Impact Overview 11 Forward-Looking Statements 1 Certain statements contained in this presentation are forward-looking statements. Forward-looking statements may include statements relating to our future plans, strategies and expectations, as well as the economic impact of COVID-19 and the related impacts on our future financial results, near-term loan growth, net interest margin, mortgage banking profits, wealth managemen ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001‑39085 HBT Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 37‑1117216 (State or other jurisdic ...

OR Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-39085 HBT Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 37-1117216 (State or other ...