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, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION 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 ...

Financial Performance - Net income was $13.7 million, resulting in a return on average assets (ROAA) of 1.37% and a return on average tangible common equity (ROATCE) of 15.32%[3] - Adjusted net income reached $14.5 million, with an adjusted ROAA of 1.45% and an adjusted ROATCE of 16.18%[3] - Total assets decreased slightly by $5 million, representing a 0.1% decrease from the previous quarter[3] Loan Portfolio - Nonperforming loans decreased to $5.5 million, or 0.26% of total loans, compared to $7.4 million, or 0.34% in Q2 2021, and $15.2 million, or 0.67% in Q3 2020[3] - Total loans excluding PPP loans increased by 3% from Q2 2021[3] - PPP loan balances, net of deferred origination fees, totaled $60 million, accounting for 2.8% of total loans as of September 30, 2021[5] Deposits and Capital - Total deposits experienced a slight decrease of $5 million, or 0.1%, from Q2 2021[3] - The loans-to-deposits ratio remained stable at 62.8% compared to Q2 2021[3] - CET1 (Common Equity Tier 1) ratio stood at 14.1%[2] Acquisition and Future Outlook - The acquisition of NXT Bank closed on October 1, 2021, adding approximately $232 million in assets, $196 million in loans, and $181 million in deposits[38] - Loan balances (excluding PPP and acquired loans) are expected to grow in the mid-single digits on an annualized basis[35]

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, 2021 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 6 , 2021 Q2 2021 Results Presentation tt Forward-Looking Statements 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-term ...

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, 2021 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 ...

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 ...

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 a n u a r y 2 8 , 2021 Q4 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 ...