ADDED
As of February 18, 2026, there were 31,431,924 shares outstanding of the registrant s common stock, $0.01 par value.
Forward-looking statements are generally identifiable by use of the words "believe," "may," "will," "should," "could," "expect," "estimate," "intend," "anticipate," "project," "plan," "propose," "seek," "continue," "predict," as well as the negative forms of those words, or similar expressions.
("CNB"); the ultimate timing, outcome and results of integrating the operations of CNB into those of HBT; the effects of the merger with CNB in HBT s future financial condition, results of operations, strategy and plans; the effects of the current U.S.
government shutdown, including the impact of prolonged closures or staffing reductions at government agencies effecting our business; and the ability of the Company to manage the risks associated with the foregoing as well as anticipated.
As of December 31, 2025, we had total assets of $5.1 billion, loans held for investment of $3.5 billion, and total deposits of $4.4 billion.
ACQUISITION On March 1, 2026, HBT Financial completed its acquisition of CNB, the holding company for CNB Bank Trust, N.A.
The combined company will have increased density in the central Illinois, Chicago MSA, and St.
Prior to the acquisition, CNB operated 18 full-service branch locations which now operate as branches of Heartland Bank.
The core system conversion is expected to occur in March 2026.
As of December 31, 2025, CNB had total assets of $1.8 billion, total loans of $1.3 billion, and total deposits of $1.5 billion.
REMOVED
As of February 19, 2025, there were 31,559,366 shares outstanding of the registrant s common stock, $0.01 par value.
Forward-looking statements may include statements relating to our plans, strategies and expectations, near-term loan growth, net interest margin, mortgage banking profits, wealth management fees, expenses, asset quality, capital levels, continued earnings, and liquidity.
Forward-looking statements are generally identifiable by use of the words "believe," "may," "will," "should," "could," "continue," "expect," "estimate," "intend," "anticipate," "predict," "project," "plan" or similar expressions.
As of December 31, 2024, we had total assets of $5.0 billion, loans held for investment of $3.5 billion, and total deposits of $4.3 billion.
The core system conversion was successfully completed in April 2023.
We continue to enhance our digital banking suite of products so that all consumer and commercial customers can do their banking at their convenience, through their channels of choice.
Deposit Products and Services We offer traditional bank deposit account services as well as digital banking services tailored to meet the needs of today's deposit consumers.
We believe our scale in these mid-sized markets and the relative scarcity of money center banking institutions operating in them creates a highly defensible market position whereby we can continue to maintain our funding cost advantage relative to our peers.
HUMAN CAPITAL RESOURCES Employees At December 31, 2024, we had 844 full-time equivalent employees.
In 2025, we also began offering paid parental leave for employees.