HBT Financial Results Presentation Deck

Earnings Overview ($000) Interest and dividend income Interest expense Net interest income Provision for credit losses Net interest income after provision for credit losses Noninterest income Noninterest expense Income before income tax expense Income tax expense Net income 3Q23 $59,041 10,762 48,279 480 47,799 9,490 30,671 26,618 6,903 $19,715 Prior Quarter Non-GAAP Adjusted Adj.¹ 3Q23¹ 1 $59,041 10,762 48,279 480 4.07% 3Q23 790 47,799 226 7,129 $564 $20,279 Current Quarter 4Q23 0.01% $61,411 14,327 47,084 1,113 10,280 9,205 30,671 30,387 45,971 790 27,408 24,789 6,343 $18,446 0.16% Non-GAAP Adjusted Adj. ¹ 4Q23¹ $61,411 14,327 47,084 1,113 1,155 10,360 30,387 1,155 25,944 329 6,672 $826 $19,272 4Q23 NIM Analysis* 45,971 (0.01)% Nonaccrual Loans² Other Interest Recoveries Earning Assets (0.34)% Deposit Costs Highlights Relative to Previous Quarter ■ Net interest income decreased slightly from the third quarter of 2023 with increased funding costs partially offset by higher yields on loans and a more favorable interest-earning asset mix ■ Net interest margin decreased 14 basis points to 3.93% Increased reserve requirements driven by loan growth and changes in economic forecast and qualitative factors Adjusted noninterest income increased $0.1 million with a $0.5 million increase in wealth management fees which was mostly offset by a $0.5 million decrease in gains on foreclosed assets Noninterest expense decreased by $0.3 million reflecting our continued expense management discipline with a $0.5 million decrease in marketing expense largely offset by a $0.4 million increase in other noninterest expense. 0.04% Other Funding Costs 3.93% 4Q23 * Annualized measures; Non-GAAP financial measure. See "Non-GAAP Reconciliations" in the Appendix for reconciliation of non-GAAP financial measures to their most closely 2 HBT comparable GAAP financial measures; ² Reflects contribution of loan interest income to net interest margin, excluding loan discount accretion and nonaccrual interest recoveries. Financial 4

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