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  "documentTitle": "HBT Financial | Results Presentation Deck | 36 slides",
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  "authorName": "HBT Financial",
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  "presentationDate": "2023-07-01 00:00:00",
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  "notes": "The slide uses a dual-axis line chart to show the relationship between deposit costs and the Fed Funds Rate.",
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      "text": "Deposit beta (4Q21 – 1Q23): HBT = 3.8%, High Performing Peers 1 = 22.1%",
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      "text": "With a lower deposit beta than peers since beginning of current interest rate tightening cycle",
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      "text": "Source: S&P Capital IQ as available on July 13, 2023; 1 Represents median of 35 high performing major exchange-traded banks headquartered in the Midwest with $2-10bn in assets and a 2022 core return on average assets above 1.0%",
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