HBT Financial Results Presentation Deck

Loan Portfolio Overview: Selected Portfolios Agriculture and Farmland $287 million portfolio as of December 31, 2023 ■ Borrower operations focus primarily on corn and soybean production ■ Federal crop insurance programs mitigate production risks No customer accounts for more than 3% of the agriculture portfolio ■ Weighted average LTV on Farmland loans is 57.2% 1.2% is rated substandard as of December 31, 2023 Over 70% of agricultural borrowers have been with the Company for at least 10 years, and over half for more than 20 years HBT Financial Equipment: 8% Crops: 31% Livestock: 2% Farmland: 59% 8 Municipal, Consumer and Other $239 million portfolio as of December 31, 2023 > Loans to municipalities are primarily federally tax-exempt Consumer loans include loans to individuals for consumer purposes and typically consist of small balance loans Other loans primarily include loans to nondepository financial institutions ■ Commercial Tax-Exempt - Senior Living ➤ $44.8 million portfolio with $4.5 million average loan size ➤ Weighted average LTV of 76.7% ➤ 33.4% is rated substandard ■ Commercial Tax-Exempt - Medical ► $23.8 million portfolio with $2.2 million average loan size ► Weighted average LTV of 34.9% ➤ No loans are rated substandard Other: 47% Consumer: 5% Municipalities: 19% Commercial Tax- Exempt (Senior Living): 19% Commercial Tax- Exempt (Medical): 10%

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