HBT

HBT Financial, Inc. operates as the holding company for Heartland Bank and Trust Company, a community bank serving Central and Northeastern Illinois. Headquartered in Bloomington, Illinois, the company provides traditional banking services including commercial and retail lending, deposit products, mortgage banking, wealth management, and trust services through approximately 60 banking locations. HBT focuses primarily on relationship-based community banking, serving small to mid-sized businesses, agricultural customers, and retail clients in its market areas. The bank maintains a strong agricultural lending presence, reflecting the economic composition of its rural and suburban Illinois markets. As of recent reports, HBT employs approximately 650 people and manages over $4 billion in total assets. The company completed its initial public offering in October 2019, trading on NASDAQ under the ticker symbol HBT. HBT pursues a strategy of organic growth supplemented by selective acquisitions, having expanded its footprint through several branch acquisitions and whole-bank transactions over the past decade. The company emphasizes maintaining strong capital ratios, conservative credit quality standards, and consistent dividend payments to shareholders. HBT differentiates itself through localized decision-making, experienced relationship managers, and deep community ties in markets often underserved by larger regional banks.