HBT Financial Results Presentation Deck
Business Strategy
Small enough to know you, big enough to serve you
Preserve strong ties to
our communities
Drake family involved in
Central IL banking since
1920
Management lives and
works in our communities
Community banking and
relationship-based
approach stems from
adherence to our
Midwestern values
Committed to providing
products and services to
support the unique needs of
our customer base
Vast majority of loans
originated to borrowers
domiciled within 60 miles of
a branch
Deploy excess deposit
funding into loan
growth opportunities
HBT
Financial
Highly defensible market
position (Top 2 deposit share
rank in 6 of 7 largest Central
Illinois markets in which the
Company operates¹) that
contributes to our strong core
deposit base and funding
advantage
Continue to deploy our
excess deposit funding (77%
loan-to-deposit ratio as of
4Q23) into attractive loan
opportunities in larger, more
diversified markets
Efficient decision-making
process provides a
competitive advantage over
the larger and more
bureaucratic money center
and super regional financial
institutions that compete in
our markets
Maintain a prudent
approach to credit
underwriting
16
Robust underwriting
standards will continue to
be a hallmark of the
Company
Maintained sound credit
quality and minimal
originated problem asset
levels during the Great
Recession
Diversified loan portfolio
primarily within footprint
Underwriting continues to
be a strength as evidenced
by NCOS / loans of (0.01)%
during 2021, (0.08)% during
2022, and 0.01% during
2023; NPLs/loans of
0.11% at 2021; 0.08% at
2022, and 0.23% at 2023
Pursue strategic
acquisitions and sustain
strong profitability
Positioned to be the acquirer of
choice for many potential
partners in and adjacent to our
existing markets
Successful integration of 10
community bank acquisitions²
since 2007
Chicago MSA, in particular,
has -80 banking institutions
with less than $2bn in assets
1.43% ROAA³ and 3.23% NIM4
during 2021; 1.31% ROAA³
and 3.60% NIM during 2022;
1.59% ROAA³ and 4.15% NIM4
during 2023
Source: S&P Capital IQ, data as of June 30, 2023; 2 Includes merger with Lincoln S.B. Corp in 2018, although the transaction was accounted for as a change of reporting entity due to its common control
with Company; ³ Metrics based on adjusted net income, which is a non-GAAP metric; for reconciliation with GAAP metrics, see "Non-GAAP reconciliations" in Appendix; 4 Metrics presented on tax-
equivalent basis; for reconciliation with GAAP metric, see "Non-GAAP reconciliations" in Appendix.
Highly profitable through the
Great RecessionView entire presentation