CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Loans, including fees:
Taxable	$ 53,156	$ 52,177	$ 106,525	$ 104,103
Federally tax exempt	1,215	1,097	2,383	2,191
Debt securities:
Taxable	7,434	6,315	14,370	12,519
Federally tax exempt	457	521	926	1,118
Interest-bearing deposits in bank	1,544	2,570	2,609	4,522
Other interest and dividend income	113	144	244	332
Total interest and dividend income	63,919	62,824	127,057	124,785
INTEREST EXPENSE
Deposits	12,835	14,133	25,774	27,726
Securities sold under agreements to repurchase	0	129	22	281
Borrowings	30	121	139	246
Subordinated notes	469	469	939	939
Junior subordinated debentures issued to capital trusts	927	944	1,817	1,877
Total interest expense	14,261	15,796	28,691	31,069
Net interest income	49,658	47,028	98,366	93,716
PROVISION FOR CREDIT LOSSES	526	1,176	1,102	1,703
Net interest income after provision for credit losses	49,132	45,852	97,264	92,013
NONINTEREST INCOME
Mortgage servicing	1,042	1,111	2,032	2,166
Mortgage servicing rights fair value adjustment	(751)	(97)	(1,059)	(17)
Gains on sale of mortgage loans	459	443	711	741
Realized gains (losses) on sales of securities	0	0	0	(3,382)
Unrealized gains (losses) on equity securities	23	(96)	31	(112)
Gains (losses) on foreclosed assets	14	(28)	27	59
Gains (losses) on other assets	(128)	0	(74)	(635)
Income on bank owned life insurance	167	166	331	330
Other noninterest income	776	701	1,576	1,644
Total noninterest income	9,140	9,610	18,446	15,236
NONINTEREST EXPENSE
Salaries	16,452	16,364	33,505	33,021
Employee benefits	3,580	2,860	6,865	5,665
Occupancy of bank premises	2,471	2,243	5,096	4,825
Furniture and equipment	575	548	1,020	1,098
Data processing	2,687	2,606	5,404	5,531
Marketing and customer relations	1,020	996	2,164	1,992
Amortization of intangible assets	694	710	1,389	1,420
FDIC insurance	551	565	1,113	1,125
Loan collection and servicing	360	475	743	927
Foreclosed assets	67	10	72	59
Other noninterest expense	3,457	3,132	6,478	6,114
Total noninterest expense	31,914	30,509	63,849	61,777
INCOME BEFORE INCOME TAX EXPENSE	26,358	24,953	51,861	45,472
INCOME TAX EXPENSE	7,128	6,883	13,556	12,144
NET INCOME	$ 19,230	$ 18,070	$ 38,305	$ 33,328
EARNINGS PER SHARE - BASIC (in dollars per share)	$ 0.61	$ 0.57	$ 1.21	$ 1.05
EARNINGS PER SHARE - DILUTED (in dollars per share)	$ 0.61	$ 0.57	$ 1.21	$ 1.05
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING (in shares)	31,510,759	31,579,457	31,547,669	31,621,205
Card income
NONINTEREST INCOME
Revenue	$ 2,797	$ 2,885	$ 5,345	$ 5,501
Wealth management fees
NONINTEREST INCOME
Revenue	2,826	2,623	5,667	5,170
Service charges on deposit accounts
NONINTEREST INCOME
Revenue	$ 1,915	$ 1,902	$ 3,859	$ 3,771

HBT Financial, Inc. 10-Q