Hbt Financial, Inc. · NASDAQ:HBT
Hbt Financial — Merger or Acquisition (August 2026)
11 slides from Hbt 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
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 statemen
Slide 3: Important Information and Where to Find it
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 effect
Slide 4: Transaction Highlights
Transaction Highlights • EPS accretion of 11.1% in first full-year with cost savings Financially Attractive • TBV dilution of 2.4% at closing with an earnback of less than 1 year using the crossover method • Creates significant value for both HBT and TYFG stockholders • Expanded operating scale with
Slide 5: Transaction Summary
Transaction Summary ▪ HBT Financial, Inc. (NASDAQ: HBT) Buyer ▪ Bloomington, IL ▪ Tri-County Financial Group, Inc. (OTC: TYFG) Seller ▪ Mendota, IL ▪ Stockholder election (subject to proration) of either 2.4589 common shares of HBT (fixed exchange ratio) or $71.01 of cash, or a mix thereof, for each
Slide 6: Overview of Tri-County Financial Group, Inc.
Overview of Tri-County Financial Group, Inc. Branch Footprint TYFG (19) • 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
Slide 7: Pro Forma Franchise Map
Pro Forma Franchise Map 5 TYFG branches are within 2 miles of an existing HBT branch HBT (83) TYFG (19) 7
Slide 8: Pro Forma Loan & Deposit Mix
Pro Forma Loan & Deposit Mix MRQ Pro Forma¹ Cons.+Other Cons.+Other Cons.+Other 7% 1-4 1% 6% 1-4 12% Farm+Ag. 16% Farm+Ag. 18% Farm+Ag. 12% 14% 1-4 32% Multi Loan Composition C&D 14% 3% C&D C&D Multi 9% $4.8B C&I 6% $1.3B 8% $6.0B 14% C&I O-O CRE C&I 11% 11% Non O-O CRE 10% 13% O-O CRE 11% Multi 14%
Slide 9: Financial Impact
Financial Impact ▪ 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 value estimate at clo
Slide 10: Track record of successfully integrating acquisitions
Track record of successfully integrating acquisitions 2007 2010 2012 2018 2023 BankPlus Bank of Illinois Farmer City State Bank Lincoln S.B. Corp Town and Country Morton, IL Normal, IL Farmer City, IL (State Bank of Lincoln)1 Financial $231mm FDIC-assisted $176mm $70mm deposits Lincoln, IL Corporati
Slide 11: Auber
Auber Financial