The bank maintains a conservative equity-to-assets ratio of 0.11 while aggressively optimizing liquidity by reducing investment securities from $4.6 billion to $1.0 billion.
| Cash & Short Term Investments | 3.34B | 837.52M | 189.98M | 901.22M | 957.68M | 1.35B | 1.24B | 876.62M | 866.65M | 936M |
| Cash & Due from Banks | 37.37M | 24.42M | 137.69M | 141.76M | 114.16M | 409.76M | 312.45M | 284.22M | 187.13M | 166.43M |
| Short Term Investments | 1.03B | 813.1M | 52.28M | 759.46M | 843.52M | 942.17M | 922.87M | 592.4M | 679.53M | 769.57M |
| Total Investments | 1.03B | 814.72M | 4.63B | 4.66B | 3.99B | 3.77B | 3.23B | 2.83B | 2.93B | 3.01B |
| Investments Growth % | -168.61% | -82.41% | -0.51% | 16.75% | 5.84% | 16.72% | 13.93% | -3.42% | -2.45% | - |
| Long-Term Investments | 7.45B | 1.61M | 4.58B | 3.9B | 3.14B | 2.82B | 2.3B | 2.24B | 2.25B | 2.24B |
| Accounts Receivables | 35.31M | 23.78M | 24.77M | 24.53M | 19.51M | 14.9M | 14.26M | 13.95M | 15.3M | 14.75M |
| Goodwill & Intangibles | 127.82M | 74.94M | 96.49M | 99.5M | 40.54M | 39.26M | 32.35M | 36.17M | 39.99M | 40.92M |
| Goodwill | 83.5M | 59.82M | 59.82M | 59.82M | 29.32M | 29.32M | 23.62M | 23.62M | 23.62M | 23.62M |
| Intangible Assets | 44.31M | 15.12M | 36.67M | 39.68M | 11.22M | 9.94M | 8.73M | 12.55M | 16.37M | 17.3M |
| PP&E (Net) | 90.97M | 73.64M | 66.76M | 65.15M | 50.47M | 52.48M | 52.9M | 53.99M | 54.74M | 56.31M |
| Other Assets | 0 | 0 | 75.72M | 87.16M | 75M | 30.82M | 27.33M | 24.16M | 19.45M | 27.84M |
| Total Current Assets | 1.1B | 861.3M | 214.75M | 925.76M | 977.19M | 1.37B | 1.25B | 890.57M | 881.95M | 950.75M |
| Total Non-Current Assets | 220.4M | 150.19M | 4.82B | 4.15B | 3.31B | 2.95B | 2.42B | 2.35B | 2.37B | 2.36B |
| Total Assets | 6.77B | 5.07B | 5.03B | 5.07B | 4.29B | 4.31B | 3.67B | 3.25B | 3.25B | 3.31B |
| Asset Growth % | 34.92% | 0.76% | -0.79% | 18.35% | -0.64% | 17.66% | 12.99% | -0.14% | -1.91% | - |
| Return on Assets (ROA) | 1.26% | 1.52% | 1.42% | 1.41% | 1.31% | 1.41% | 1.07% | 2.06% | 1.94% | 1.69% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 154.31M | 65.21M | 134.6M | 147.33M | 280.26M | 138.29M | 122.62M | 82.02M | 83.71M | 104.29M |
| Net Debt | 116.93M | 40.79M | -3.09M | 5.57M | 166.1M | -271.47M | -189.83M | -202.2M | -103.42M | -62.14M |
| Long-Term Debt | 149.26M | 65.21M | 105.63M | 104.89M | 237.18M | 77.03M | 76.89M | 37.58M | 37.52M | 66.45M |
| Short-Term Debt | 5.05M | 0 | 28.97M | 42.44M | 43.08M | 61.26M | 45.74M | 44.43M | 46.2M | 37.84M |
| Other Liabilities | 5.87B | 1.36B | 35.44M | 34.91M | 45.82M | 25.9M | 49.49M | 53.31M | 29.49M | 28.98M |
| Total Current Liabilities | 5.05M | 3.03B | 4.35B | 4.44B | 3.63B | 3.8B | 3.18B | 2.82B | 2.84B | 2.89B |
| Total Non-Current Liabilities | 6.03B | 1.42B | 141.07M | 139.79M | 283M | 102.93M | 126.38M | 90.9M | 67.01M | 95.44M |
| Total Liabilities | 6.03B | 4.46B | 4.49B | 4.58B | 3.91B | 3.9B | 3.3B | 2.91B | 2.91B | 2.99B |
| Total Equity | 747.4M | 615.5M | 544.61M | 489.5M | 373.63M | 411.88M | 363.92M | 332.92M | 340.4M | 323.92M |
| Equity Growth % | 70.74% | 13.02% | 11.26% | 31.01% | -9.29% | 13.18% | 9.31% | -2.2% | 5.09% | - |
| Equity / Assets (Capital Ratio) | 11.03% | 12.14% | 10.82% | 9.65% | 8.72% | 9.55% | 9.93% | 10.26% | 10.48% | 9.78% |
| Return on Equity (ROE) | 10.87% | 13.28% | 13.88% | 15.26% | 14.37% | 14.51% | 10.57% | 19.86% | 19.21% | 17.32% |
| Book Value per Share | 22.53 | 19.58 | 17.17 | 15.42 | 12.92 | 14.82 | 13.25 | 16.57 | 12.93 | 12.30 |
| Tangible BV per Share | 18.67 | 17.20 | 14.13 | 12.29 | 11.52 | 13.41 | 12.08 | 14.77 | 11.41 | 10.75 |
| Common Stock | 329K | 329K | 328K | 327K | 293K | 293K | 275K | 275K | 181K | 181K |
| Additional Paid-in Capital | 430.88M | 298.55M | 0 | 295.88M | 222.78M | 220.89M | 190.88M | 190.52M | 32.29M | 32.29M |
| Retained Earnings | 371.09M | 367.16M | 316.76M | 269.05M | 232M | 194.13M | 154.61M | 134.29M | 315.23M | 293.93M |
| Accumulated OCI | -27.37M | -23.02M | 250.53M | -57.16M | -71.76M | 1.47M | 18.15M | 7.83M | -4.29M | -375K |
| Treasury Stock | -27.52M | -27.52M | -23.02M | -18.6M | -9.69M | -4.91M | 0 | 0 | -3.02M | -2.11M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Agricultural credit cycle exposure
According to recent financial disclosures, HBT's total assets grew to $6.8 billion in 2026Q1, a notable increase from the $5.0 billion level maintained throughout 2024, suggesting that the bank is actively deploying capital to expand its footprint despite the broader regional economic headwinds.
The jump in asset size appears to be driven by a strategic shift in the balance sheet composition rather than purely organic loan growth. Investors should monitor whether this expansion into new markets, such as Eastern Iowa, will yield the expected returns or if it will continue to pressure the efficiency ratio.
As reported in regulatory filings, HBT maintains an equity-to-assets ratio of approximately 0.11, which, while appearing lean, is consistent with the bank's historical capital management strategy and reflects a conservative approach to leverage that provides a buffer against potential volatility in the agricultural loan portfolio.
This capital position suggests that management is prioritizing balance sheet resilience over aggressive capital return programs. While this may limit near-term ROE expansion, it provides the bank with the necessary flexibility to navigate potential credit cycle downturns without requiring external capital injections.
Based on the 2026Q1 balance sheet data, HBT executed a significant reduction in its investment securities portfolio, which fell to $1.0 billion from the $4.6 billion level seen in previous quarters, indicating a proactive effort to enhance liquidity in response to changing interest rate environments.
This pivot suggests that the bank is prioritizing cash availability over the yield-generating potential of its securities portfolio. Such a move may indicate management's anticipation of increased funding costs or a desire to prepare for potential loan demand in the agricultural sector.
As indicated by the 2026Q1 data, the bank recorded a negative provision for credit losses of $156,000, a marked departure from the consistent positive provisioning observed in prior periods, which may imply a more optimistic internal assessment of the agricultural loan portfolio's credit risk profile.
This reversal warrants further investigation, as it may reflect either an improvement in the underlying credit quality of the agricultural book or a change in the bank's CECL modeling assumptions. Analysts should monitor whether this trend persists in subsequent quarters as harvest cycles evolve.
Quick answers to the most common questions about buying HBT stock.
As of 2025, HBT Financial, Inc. (HBT) had total assets of $5.07B including $861.3M in current assets.
HBT Financial, Inc. (HBT) carries total debt of $65.2M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
HBT Financial, Inc. (HBT) has total shareholders' equity (book value) of $615.5M ($19.58 book value per share). Book value represents the net worth of the company belonging to common stock holders.
HBT Financial, Inc. (HBT) reported a current ratio of 0.28x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.