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  "documentTitle": "HBT Financial | Results Presentation Deck | 36 slides",
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  "authorName": "HBT Financial",
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      "text": "Note: Financial data as of and for the three months ended December 31, 2024 unless otherwise indicated; 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": "Resilient net interest margin of 3.96% and a net interest margin (tax-equivalent basis) of 4.01%, each down 2 basis points compared to Q3 2024. Cost of funds decreased 8 basis points to 1.39% and total cost of deposits decreased 8 basis points to 1.27%. Total deposits increased $37.6 million, or an increase of $67.6 million when excluding $30.0 million of brokered deposits repaid at scheduled maturity",
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      "text": "Net income of $20.3 million, or $0.64 per diluted share; return on average assets (ROAA) of 1.61% and return on average tangible common equity (ROATCE) of 17.40%. Adjusted net income of $19.5 million, or $0.62 per diluted share; adjusted ROAA of 1.56% and adjusted ROATCE of 16.77%. Tangible book value per share increased 1.7% from September 30, 2024 and 14.7% from December 31, 2023",
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      "text": "Excellent asset quality with nonperforming assets representing only 0.16% of total assets and net charge-offs representing only 0.08% of average loans on an annualized basis. Limited exposure to higher risk categories, such as office CRE which represents only 5% of total loan portfolio and is performing well",
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      "text": "Q4 2024 Highlights",
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