Quarterly Financial Results for Q2 2026: This 10-Q filing contains HBT Financial, Inc.'s unaudited financial statements and results for the six-month period ended June 30, 2026, and the three-month period ended June 30, 2026, compared to the same periods in 2025. Balance Sheet and Asset Information: The filing includes consolidated balance sheets as of June 30, 2026 and December 31, 2025,…

Our analysis rates this filing CAUTIOUS. HBT Financial faces an ELEVATED concern profile driven primarily by the material CNB Bank Shares acquisition completed in Q1 2026. While the acquisition itself represents a strategic growth initiative, it introduces significant execution risk during the…

Concern level: HIGH (6.8/10). Key factors: One high-severity risk identified: CNB Bank Shares acquisition integration (severity 7/10) - material acquisition completed March 1, 2026 with significant goodwill and intangible assets now on balance sheet subject to impairment risk; Overall risk trend is INCREASING with risk score of 6.8/10, indicating deteriorating risk profile; Four additional…

Notable risk changes: CNB Bank Shares Inc. acquisition completed March 1, 2026 - introduces material integration execution risk and creates significant goodwill/intangible assets subject to impairment; Acquisition-related intangible assets (core deposits and customer relationships) recorded on balance sheet - creates future impairment risk if acquisition fails to deliver expected synergies; Expanded balance sheet…

The model predicts HBT will underperform the S&P 500 by about 0.0% over 30 days (model confidence 65%). This is model analysis for research, not investment advice.