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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 compares internal deposit costs against the Fed Funds Rate to demonstrate deposit beta.",
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      "text": "Deposit beta (4Q21 to 2Q23): 6.9%. Line chart showing Fed Funds Rate vs Cost of Deposits over time.",
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      "text": "Highly granular deposit base with cost increases in line with expectations during the second quarter of 2023. Top 100 depositors, by balance, make up 13% of our deposit base, and the top 200 depositors make up 16%. Account balances consist of 67% retail, 23% business, and 10% public funds as of June 30, 2023. Uninsured and uncollateralized deposits estimated to be $535 million, or 13% of total deposits, as of June 30, 2023",
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      "text": "Source: St. Louis FRED. * Annualized measure; 1 Represents quarterly average of federal funds target rate upper limit; 2 Weighted average spot interest rates do not include impact of purchase accounting adjustment amortization",
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      "text": "Interest-bearing demand, Money market, Savings, Time, Total interest-bearing deposits, Total deposits with corresponding Interest Costs 2Q23 and Spot Interest Rates 6/30/23",
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      "text": "Deposits Overview",
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