HBT Financial is a bank holding company headquartered in Illinois that provides comprehensive financial services to consumers, businesses, and municipal entities across Illinois and eastern Iowa through its subsidiary, Heartland Bank and Trust Company. The company offers a diversified range of products and services including commercial real estate and commercial & industrial lending, deposit accounts and digital banking services, wealth management and investment services, and residential mortgage origination and servicing. HBT generates revenue through net interest income on its loan portfolio, deposit spreads, and fee-based services including wealth management, mortgage servicing, and treasury management, while maintaining a community-focused banking model with competitive advantages in its mid-sized regional markets.