HBT Financial Results Presentation Deck
4) Prudent risk management
Comprehensive Enterprise Risk Management
Strategy and Risk Management
Majority of directors are independent, with varied experiences
and backgrounds
Board of directors has an established Audit Committee,
Compensation Committee, Nominating and Corporate
Governance Committee, and an Enterprise Risk Management
(ERM) Committee
ERM program embodies the "three lines of defense" model and
promotes business line risk ownership
Independent and robust internal audit structure, reporting directly
to our Audit Committee
■ Strong compliance culture and compliance management system
■ Code of Ethics and other governance documents are available
at ir.hbtfinancial.com
Data Security & Privacy
Robust data security program, and under our privacy policy, we
do not sell or share customer information with non-affiliated
entities
■ Formal company-wide business continuity plan covering all
departments, as well as a cybersecurity program that includes
internal and outsourced, independent testing of our systems and
employees
HBT
Financial
25
Disciplined Credit Risk Management
■ Risk management culture instilled by management
Well-diversified loan portfolio across commercial, regulatory
CRE, and residential
■ Primarily originated across in-footprint borrowers
■ Centralized credit underwriting group that evaluates all
exposures over $750,000 to ensure uniform application of
policies and procedures
Conservative credit culture, strong underwriting criteria, and
regular loan portfolio monitoring
Robust internal loan review process annually reviews more than
40% of loan commitments.
Historical Net Charge-Offs (%)
0.07%
2019
0.04%
2020
NCOS / Loans %
(0.01)%
2021
(0.08)%
2022
0.01%
2023View entire presentation