HBT Financial, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Bloomington, IL. Its latest filed balance sheet (2025-12-31) shows total assets of $6.8 billion (its filed statements).
Lending businessState Commercial BanksBloomington, ILfilings since 20199 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.0 out of ten, 9 of 9 metrics filed: past 5.7 out of ten, present 6.4 out of ten, future 5.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2019. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 3.4 out of ten. +9.1% a year over 9 filed years; profitable in 9 of 9. 34th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 4.4 out of ten. Share count grew 3.0% a year. 38% of cash flow returned. Insiders: 4 sales, 1 purchases. 44th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 7.3 out of ten. ROE 13%: 13¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar. 73rd percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 6.2 out of ten. top 38% of 155 in its family; net margin 30.1%. 62nd percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.0 out of ten. bottom 50% of 150 in its family for leadership; chief executive since 2024. 50th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 6.3 out of ten. top 37% of 142 in its family for room to expand. 63rd percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 5.8 out of ten. top 42% of 152 in its family for growth drivers. 58th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.2 out of ten. top 48% of 150 in its family for expectations against reality. 52nd percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-06 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-27 for the period ended 2026-07-24 (on EDGAR). Newest filing: Form 424B3, 2026-09-18. Filings on record since 2019. Read from EDGAR 2026-10-12.
Who runs it
Carter, James Lance (President and CEO); Drake, Fred L (Executive Chairman); Chapman, Peter Robert (EVP & CFO); Ryan, Christopher J (chris) (EVP & Chief Retail Officer); Scheirer, Mark W (EVP & Chief Credit Officer); Busch, Patrick F (EVP & CHIEF LENDING OFFICER); Horvath, Lawrence J (EVP & Chief Lending Officer); Lanier, Diane H (EVP & Chief Retail Officer); Zurkamer, Andrea E (EVP & Chief Risk Officer); Baker, Roger A (director); and 8 more. 18 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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