HBT Financial Results Presentation Deck
2... provides funding for loan growth opportunities
Leading Deposit Market Position
Top 2 deposit share rank in 6 of 7 largest Central Illinois markets in
which the Company operates¹
Deposit base is long tenured and granular across a variety of
product types dispersed across our geography
Proactive campaign to reach out to top 250 largest deposit
customers has been run to solidify these relationships
■ Detailed deposit pricing guidance is available to all consumer and
commercial staff to assist in pricing discussions with customers
As of 12/31/23
Noninterest-
bearing
Interest-bearing
demand
Money market
Savings
Time
Total deposits
HBT
Financial
Deposit Base Characteristics²
Average
Balance
($000)
Number of
Accounts
(000)
72
60
6
46
17
200
$15
19
140
13
38
$22
Weighted
Average Age
(Years)
15.6
18.8
10.6
16.8
3.4
13.7
Loan Growth Opportunities
Chicago MSA
Entered market in 2011 with acquisition of Western Springs National
Bank
In-market disruption from recent bank M&A in Chicago MSA has
provided attractive source of local talent
■ Scale and diversity of Chicago MSA provides continued growth
opportunities, both in lending and deposits
Loan growth in Chicago MSA spread across a variety of commercial
asset classes, including multifamily, mixed use, industrial, retail, and
office
Central Illinois
Deep-rooted market presence expanded through several
acquisitions since 2007
■ Central Illinois markets have been resilient during previous
economic downturns
■ Town and Country merger should enhance loan growth through
access to new markets and opportunities to expand customer
relationships with HBT's greater ability to meet larger borrowing
needs
lowa
■ Entered market in 2021 with acquisition of NXT Bancorporation, Inc.
Continued opportunity to accelerate loan growth in lowa thanks to
HBT's larger lending limit and ability to add to talented banking team
¹Source: S&P Capital IQ, data as of June 30, 2023; leading deposit share defined as top 3 deposit share rank; 2 Excludes overdrawn deposit accounts
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