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      "text": "1 See \"Non-GAAP reconciliations\" in the Appendix for reconciliation of non-GAAP financial measures to their most closely comparable GAAP financial measures",
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      "text": "Strong profitability: Net income of $18.5 million, or $0.58 per diluted share; return on average assets (ROAA) of 1.49% and return on average tangible common equity (ROATCE) of 19.91%. Adjusted net income of $18.8 million, or $0.58 per diluted share; adjusted ROAA of 1.51% and adjusted ROATCE of 20.23%.",
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      "text": "Diversified deposit base and excellent asset quality: Maintained a strong net interest margin of 4.16% and a net interest margin (tax equivalent basis) of 4.22%, both down only 4 basis points compared to Q1 2023. Cost of funds increased 24 basis points, to 0.71%, and total cost of deposits increased 17 basis points, to 0.41%, while average yield on earning assets increased by 19 basis points, to 4.83%. Maintained excellent asset quality with the ratio of nonperforming assets to total assets of 0.21% and net recoveries to average loans of (0.01)%. Total loans increased $49.1 million, or 1.5%, compared to Q1 2023.",
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      "text": "M&A continues to contribute to value of HBT franchise: Full impact of addition of Town and Country operations reflected in Q2 2023 results. Successfully completed core system conversion in April 2023. Substantially all cost saves realized beginning in May 2023.",
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      "text": "Q2 2023 Highlights",
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