HBT Financial(US:HBT)2025-10-20 13:30Q3 2025 Financial Performance - Net income was $198 million, or $063 per diluted share, with a return on average assets (ROAA) of 156% and a return on average tangible common equity (ROATCE) of 1528%[10] - Adjusted net income was $205 million, or $065 per diluted share, with an adjusted ROAA of 161% and an adjusted ROATCE of 1581%[10] - Tangible book value per share increased by 39% from June 30, 2025, and 144% from September 30, 2024[10] - The company maintained a strong net interest margin of 413% and a net interest margin (tax-equivalent basis) of 418%, each down only 1 basis point compared to Q2 2025[13] Asset Quality - Nonperforming assets represented only 017% of total assets as of September 30, 2025, compared to 013% at June 30, 2025[11] - Net charge-offs represented only 002% of average loans on an annualized basis during Q3 2025, compared to 012% of average loans on an annualized basis during Q2 2025[11] Deposit Base - The cost of funds and the cost of total deposits remained unchanged from Q2 2025 at 129% and 119%, respectively[13] - Core deposits represent 954% of total deposits[19] - Uninsured and uncollateralized deposits are estimated to be $618 million, or 14% of total deposits, as of September 30, 2025[33] Loan Portfolio - The loan-to-deposit ratio is 78% as of 3Q25[71] - Chicago MSA region loans grew 84% over the last 12 months[125] - Iowa region loans grew 41% over the last 12 months[125]