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  "documentTitle": "HBT Financial | Results Presentation Deck | 36 slides",
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  "authorName": "HBT Financial",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2024-01-01 00:00:00",
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  "notes": "Includes a table of interest costs and spot rates by deposit type, and a line chart comparing Fed Funds Rate to Cost of Deposits.",
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      "kind": "chart",
      "text": "Deposit Beta (4Q21 to 4Q23): 18.7% showing Fed Funds Rate vs Cost of Deposits.",
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      "text": "Highly granular deposit base with cost increases in line with expectations during the fourth quarter of 2023. Top 100 depositors, by balance, make up 13% of our deposit base, and the top 200 depositors make up 16%.",
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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, Brokered, Total interest-bearing deposits, Total deposits with corresponding Interest Costs and Spot Interest Rates.",
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      "text": "Deposit Overview",
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