HBT Financial Results Presentation Deck

Non-GAAP Reconciliations (cont'd) Core Deposits ($000) Total deposits Less: time deposits of $250,000 or more Less: brokered deposits Core deposits Core deposits to total deposits HBT Financial 34 2020 2021 2022 2023 $3,130,534 $3,738,185 $3,587,024 $4,401,437 (27,158) (130,183) (26,687) (144,880) $4,126,374 (59,512) (4,238) $3,103,847 $3,674,435 $3,559,866 99.15% 98.29 % 99.24 % 93.75 %

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