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  "documentTitle": "HBT Financial | Results Presentation Deck | 36 slides",
  "authorId": "hbt-financial",
  "authorName": "HBT Financial",
  "documentKindSlug": "conference-presentation",
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  "sourceTypeSlug": "investor_relations",
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  "presentationDate": "2024-01-01 00:00:00",
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  "pageNumber": 23,
  "pageCount": 36,
  "prevPage": 22,
  "nextPage": 24,
  "slideType": "peer_benchmark",
  "function": "compare_peers",
  "density": "dense",
  "nDataPoints": 22,
  "notes": "The slide uses a bar chart for historical cost of deposits and a line chart for deposit beta trends relative to the Fed Funds Rate.",
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  "slideHref": "/slides/019de076-a761-7058-b44f-42a68d9fa1b8/23",
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  "deckJsonHref": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8.json",
  "deckAnchorHref": "/decks/019de076-a761-7058-b44f-42a68d9fa1b8#slide-23",
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        "h": 0.3,
        "w": 0.85,
        "x": 0.08,
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      "kind": "chart",
      "text": "Cost of Deposits (%) Remains Consistently Below Peers",
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      "subkind": "bar-grouped",
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      "kind": "chart",
      "text": "With a Lower Deposit Beta than Peers Since Beginning of Current Interest Rate Tightening Cycle",
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      "kind": "source-note",
      "text": "Source: S&P Capital IQ as available on January 11, 2024; 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%; * Annualized Measure",
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      "kind": "title",
      "text": "Strong, granular, low-cost deposit base...",
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      "evidence": "Compares HBT metrics against a defined peer group median.",
      "confidence": 0.9
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  "loops": [
    {
      "to": 26,
      "from": 20,
      "name": "Quick Win Big Bet",
      "slug": "47-quick-win-big-bet",
      "bestFor": "Transformation planning, 100-day plans, resource allocation",
      "matchId": "b079c13b-6770-448d-9895-2bee24201612",
      "evidence": "Investment highlights and key messages",
      "position": 1,
      "objective": "Funding loan growth opportunities with granular, low-cost deposit base",
      "structure": "The Full List -> Quick Wins (Low effort, High impact) -> Big Bets (High effort, High impact) -> Sequenced Roadmap",
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