HBT Financial, Inc. is a bank holding company. The Company operates through two bank subsidiaries, Heartland Bank and Lincoln Bank (the Banks). The Banks provide a suite of business, commercial and retail banking products and services to businesses, families and local governments throughout Central and Northeastern Illinois. It operates through approximately 61 full-service and three limited-service branch locations across 18 counties in Central and Northeastern Illinois. It offers a range of lending products with a focus on commercial real estate (CRE), commercial and industrial (C&I), construction and land development (C&D), agricultural and farmland, multi-family and one-to-four family residential loans. It also provides wealth management services and residential mortgage banking.