Tri-County Financial Group, Inc. · OTC:TYFG
Tri-County Financial — Merger or Acquisition (August 2026)
11 slides from Tri-County Financial's merger presentation, Aug 10, 2026
Slide 1: Investor Presentation: Tri-County Financial Group, Inc. Merger
Investor Presentation Tri-County Financial Group, Inc. Merger August 10, 2026
Slide 2: Special Note Concerning Forward-Looking Statements
2 Special Note Concerning Forward-Looking Statements Certain statements in this presentation, including any statements regarding the expected timetable for completion of the proposed transaction, the results, effects and benefits of the proposed transaction, future opportunities and any other statem
Slide 3: Important Information and Where to Find it
3 Important Information and Where to Find it In connection with the proposed transaction, HBT will file materials with the SEC, including a Registration Statement on Form S-4 of HBT that will include a proxy statement of TYFG and a prospectus of HBT. After the Registration Statement is declared effe
Slide 4: Transaction Highlights
4 Transaction Highlights • Expanded operating scale with a pro forma asset base of approximately $8.3 billion • Strong cultural alignment anchored in a shared relationship-based banking model and deep community commitment • Complements recent acquisition of CNBN completed in March by combining with
Slide 5: Transaction Summary
5 Transaction Summary Buyer ▪ HBT Financial, Inc. (NASDAQ: HBT) ▪ Bloomington, IL Seller ▪ Tri-County Financial Group, Inc. (OTC: TYFG) ▪ Mendota, IL Consideration ▪ Stockholder election (subject to proration) of either 2.4589 common shares of HBT (fixed exchange ratio) or $71.01 of cash, or a mix t
Slide 6: Overview of TYFG
6 Overview of Tri-County Financial Group, Inc. • First State Bank, the bank subsidiary for TYFG, has been a locally owned bank committed to providing value-added offerings since 1940 • TYFG operates through 19 branches in central and northern Illinois • Profitable bank with MRQ ROAA and ROAE of 1.05
Slide 7: Pro Forma Franchise Map
7 Pro Forma Franchise Map HBT (83) TYFG (19) 5 TYFG branches are within 2 miles of an existing HBT branch
Slide 8: Pro Forma Loan & Deposit Mix
8 Pro Forma Loan & Deposit Mix MRQ Pro Forma¹ 1) Excludes purchase accounting adjustments Note: Loan and deposit composition per June 30, 2026 bank-level regulatory filings; HBT loan yield and cost of deposits per June 30, 2026 earnings release; TYFG loan yield and cost of deposits shown bank-level
Slide 9: Financial Impact
9 Financial Impact Key Assumptions ▪ Anticipated cost savings of 34% of TYFG’s noninterest expense base (excluding First State Mortgage Services, LLC) ▪ 80% phased-in during 2027, 100% thereafter ▪ $19.0 million in estimated pre-tax transaction expenses, fully realized in pro forma tangible book val
Slide 10: Track record of successfully integrating acquisitions
10 2026 Track record of successfully integrating acquisitions BankPlus Morton, IL $231mm deposits 2007 2012 Bank of Illinois Normal, IL FDIC-assisted $176mm deposits Western Springs National Bank Western Springs, IL FDIC-assisted $184mm deposits 2011 Citizens First National Bank Princeton, IL FDIC-a
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