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  "documentTitle": "HBT Financial | Results Presentation Deck | 36 slides",
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  "authorName": "HBT Financial",
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  "presentationDate": "2025-01-01 00:00:00",
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  "notes": "Includes specific metrics on deposit concentration, uninsured deposit levels, and comparative interest rate sensitivity.",
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      "text": "Current Falling Rate Cycle Deposit Beta (3Q24 to 4Q24): 13.1%",
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      "text": "Latest Rising Rate Cycle Deposit Beta (4Q21 to 2Q24): 23.6%",
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      "text": "Highly granular deposit base with balances up slightly during the fourth quarter of 2024... Top 100 depositors... 68% retail... Uninsured and uncollateralized deposits estimated to be $641 million",
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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 4Q24 costs and spot rates.",
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      "text": "Deposit Overview",
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