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BANK PREMISES AND EQUIPMENT - Depreciation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Total depreciation expense	$ 3,200	$ 2,944	$ 3,108
Buildings and improvements
Property, Plant and Equipment [Line Items]
Total depreciation expense	2,197	1,990	1,879
Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Total depreciation expense	$ 1,003	$ 954	$ 1,229

- Definition

The aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets.

+ References + Details

DERIVATIVE FINANCIAL INSTRUMENTS- Schedule of the Effect of Interest Rate Contracts Not Designated as Hedging Instruments Recognized in Other Noninterest Income (Details) - Interest Rate Swap - Not Designated as Hedging Instrument - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
DERIVATIVE FINANCIAL INSTRUMENTS
Gross gains	$ 4,335	$ 10,781	$ 11,198
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other income	Other income	Other income
Gross losses	$ (4,335)	$ (10,781)	$ (11,198)
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other income	Other income	Other income
Net gains (losses)	$ 0	$ 0	$ 0

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
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Reference 2: http://www.xbrl.org/2003/role/exampleRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Loans Risk-Rated by Origination Year (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financing Receivable Term Loans by Origination Year
Year one	$ 876,839	$ 643,972
Year two	399,481	508,848
Year three	354,657	652,322
Year four	496,237	556,015
Year five	450,014	308,110
Prior	391,221	316,089
Revolving Loans	460,018	465,285
Revolving Loans Converted to Term	27,742	15,505
Total	3,456,209	3,466,146
Pass
Financing Receivable Term Loans by Origination Year
Year one	842,939	595,514
Year two	390,297	489,980
Year three	334,247	626,701
Year four	445,360	529,173
Year five	439,151	290,490
Prior	347,690	281,543
Revolving Loans	421,336	439,344
Revolving Loans Converted to Term	20,892	11,651
Total	3,241,912	3,264,396
Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	15,394	14,246
Year two	8,105	6,118
Year three	15,587	13,473
Year four	35,749	8,920
Year five	8,145	3,897
Prior	18,327	12,400
Revolving Loans	29,790	22,449
Revolving Loans Converted to Term	669	2,444
Total	131,766	83,947
Special Mention
Financing Receivable Term Loans by Origination Year
Year one	3,692	8,947
Year two	42	368
Year three	916	9,022
Year four	1,233	13,012
Year five	271	8,917
Prior	0	4,107
Revolving Loans	2,903	2,217
Revolving Loans Converted to Term	2,731	0
Total	11,788	46,590
Substandard
Financing Receivable Term Loans by Origination Year
Year one	14,814	25,265
Year two	1,037	12,382
Year three	3,907	3,126
Year four	13,895	4,910
Year five	2,447	4,806
Prior	25,204	18,039
Revolving Loans	5,989	1,275
Revolving Loans Converted to Term	3,450	1,410
Total	70,743	71,213
Commercial and industrial
Financing Receivable Term Loans by Origination Year
Year one	46,755	47,110
Year two	47,654	46,511
Year three	41,816	46,175
Year four	32,362	13,632
Year five	8,914	17,913
Prior	16,397	43,172
Revolving Loans	191,367	210,299
Revolving Loans Converted to Term	14,495	3,577
Total	399,760	428,389
Commercial and industrial \| Pass
Financing Receivable Term Loans by Origination Year
Year one	45,966	46,635
Year two	46,995	43,007
Year three	39,709	44,701
Year four	30,655	11,617
Year five	7,983	17,913
Prior	15,680	41,397
Revolving Loans	171,444	197,516
Revolving Loans Converted to Term	11,509	1,993
Total	369,941	404,779
Commercial and industrial \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	457	475
Year two	145	1,310
Year three	1,328	186
Year four	254	1,121
Year five	821	0
Prior	12	1,775
Revolving Loans	15,847	10,613
Revolving Loans Converted to Term	96	949
Total	18,960	16,429
Commercial and industrial \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	134	0
Year two	0	281
Year three	36	272
Year four	331	173
Year five	0	0
Prior	0	0
Revolving Loans	255	1,231
Revolving Loans Converted to Term	1,835	0
Total	2,591	1,957
Commercial and industrial \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	198	0
Year two	514	1,913
Year three	743	1,016
Year four	1,122	721
Year five	110	0
Prior	705	0
Revolving Loans	3,821	939
Revolving Loans Converted to Term	1,055	635
Total	8,268	5,224
Commercial real estate - owner occupied
Financing Receivable Term Loans by Origination Year
Year one	62,330	72,720
Year two	60,937	24,702
Year three	20,759	60,713
Year four	50,686	54,835
Year five	47,026	41,462
Prior	51,942	45,993
Revolving Loans	25,308	20,823
Revolving Loans Converted to Term	1,446	1,068
Total	320,434	322,316
Commercial real estate - owner occupied \| Pass
Financing Receivable Term Loans by Origination Year
Year one	53,050	63,546
Year two	59,585	23,607
Year three	20,402	56,509
Year four	47,115	48,867
Year five	43,983	39,679
Prior	50,548	44,108
Revolving Loans	16,267	19,766
Revolving Loans Converted to Term	881	1,068
Total	291,831	297,150
Commercial real estate - owner occupied \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	4,739	6,478
Year two	1,352	395
Year three	199	3,698
Year four	1,729	2,111
Year five	1,897	542
Prior	681	1,374
Revolving Loans	7,084	371
Revolving Loans Converted to Term	0	0
Total	17,681	14,969
Commercial real estate - owner occupied \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	2,274	1,877
Year two	0	0
Year three	0	0
Year four	0	150
Year five	0	0
Prior	0	0
Revolving Loans	1,500	686
Revolving Loans Converted to Term	0	0
Total	3,774	2,713
Commercial real estate - owner occupied \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	2,267	819
Year two	0	700
Year three	158	506
Year four	1,842	3,707
Year five	1,146	1,241
Prior	713	511
Revolving Loans	457	0
Revolving Loans Converted to Term	565	0
Total	7,148	7,484
Commercial real estate - non-owner occupied
Financing Receivable Term Loans by Origination Year
Year one	243,352	118,543
Year two	79,377	118,300
Year three	93,844	251,824
Year four	195,609	226,510
Year five	192,429	86,496
Prior	108,222	72,854
Revolving Loans	22,672	23,425
Revolving Loans Converted to Term	1,589	1,613
Total	937,094	899,565
Commercial real estate - non-owner occupied \| Pass
Financing Receivable Term Loans by Origination Year
Year one	224,400	92,125
Year two	73,631	108,688
Year three	93,259	245,168
Year four	193,916	222,479
Year five	189,265	84,054
Prior	91,394	65,935
Revolving Loans	21,926	23,425
Revolving Loans Converted to Term	1,589	1,613
Total	889,380	843,487
Commercial real estate - non-owner occupied \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	7,645	3,173
Year two	5,704	421
Year three	391	6,656
Year four	1,693	4,031
Year five	2,898	2,442
Prior	14,314	4,871
Revolving Loans	746	0
Revolving Loans Converted to Term	0	0
Total	33,391	21,594
Commercial real estate - non-owner occupied \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	0	0
Year two	42	0
Year three	0	0
Year four	0	0
Year five	266	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	308	0
Commercial real estate - non-owner occupied \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	11,307	23,245
Year two	0	9,191
Year three	194	0
Year four	0	0
Year five	0	0
Prior	2,514	2,048
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	14,015	34,484
Construction and land development
Financing Receivable Term Loans by Origination Year
Year one	162,770	181,749
Year two	57,091	73,773
Year three	24,425	74,011
Year four	10,218	33,639
Year five	12,853	590
Prior	741	797
Revolving Loans	10,970	8,925
Revolving Loans Converted to Term	1,186	1,173
Total	280,254	374,657
Construction and land development \| Pass
Financing Receivable Term Loans by Origination Year
Year one	162,752	181,274
Year two	56,846	73,773
Year three	24,151	65,045
Year four	1,460	21,542
Year five	12,853	590
Prior	676	693
Revolving Loans	10,970	8,228
Revolving Loans Converted to Term	224	512
Total	269,932	351,657
Construction and land development \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	18	0
Year two	245	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	16	18
Revolving Loans	0	697
Revolving Loans Converted to Term	261	661
Total	540	1,376
Construction and land development \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	0	0
Year two	0	0
Year three	274	8,750
Year four	0	12,097
Year five	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	701	0
Total	975	20,847
Construction and land development \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	0	475
Year two	0	0
Year three	0	216
Year four	8,758	0
Year five	0	0
Prior	49	86
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	8,807	777
Multi-family
Financing Receivable Term Loans by Origination Year
Year one	175,366	56,788
Year two	73,457	80,450
Year three	57,967	89,390
Year four	99,443	101,284
Year five	81,741	59,451
Prior	53,452	41,331
Revolving Loans	2,483	2,375
Revolving Loans Converted to Term	1,032	455
Total	544,941	431,524
Multi-family \| Pass
Financing Receivable Term Loans by Origination Year
Year one	175,366	46,969
Year two	73,457	80,450
Year three	45,977	88,823
Year four	70,197	101,284
Year five	81,169	50,652
Prior	53,452	40,839
Revolving Loans	2,483	2,375
Revolving Loans Converted to Term	1,032	450
Total	503,133	411,842
Multi-family \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	0	2,791
Year two	0	0
Year three	11,990	567
Year four	29,246	0
Year five	572	0
Prior	0	492
Revolving Loans	0	0
Revolving Loans Converted to Term	0	5
Total	41,808	3,855
Multi-family \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	0	6,936
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	8,799
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	0	15,735
Multi-family \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	0	92
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	0	92
One-to-four family residential
Financing Receivable Term Loans by Origination Year
Year one	76,126	46,321
Year two	26,298	88,977
Year three	67,145	81,631
Year four	71,213	72,773
Year five	58,246	58,163
Prior	78,747	50,531
Revolving Loans	61,810	59,596
Revolving Loans Converted to Term	5,878	5,976
Total	445,463	463,968
One-to-four family residential \| Pass
Financing Receivable Term Loans by Origination Year
Year one	75,509	44,914
Year two	25,965	87,184
Year three	65,431	79,834
Year four	69,197	71,466
Year five	56,878	57,258
Prior	71,763	43,455
Revolving Loans	61,555	59,446
Revolving Loans Converted to Term	5,255	5,312
Total	431,553	448,869
One-to-four family residential \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	151	1,126
Year two	146	1,271
Year three	632	936
Year four	761	242
Year five	1,089	405
Prior	2,498	2,252
Revolving Loans	233	134
Revolving Loans Converted to Term	231	275
Total	5,741	6,641
One-to-four family residential \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	31	0
Year two	0	0
Year three	598	0
Year four	902	592
Year five	0	118
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	115	0
Total	1,646	710
One-to-four family residential \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	435	281
Year two	187	522
Year three	484	861
Year four	353	473
Year five	279	382
Prior	4,486	4,824
Revolving Loans	22	16
Revolving Loans Converted to Term	277	389
Total	6,523	7,748
Agricultural and farmland
Financing Receivable Term Loans by Origination Year
Year one	51,689	42,838
Year two	29,067	38,402
Year three	31,352	34,064
Year four	18,926	30,126
Year five	26,928	31,556
Prior	24,119	8,517
Revolving Loans	91,055	106,229
Revolving Loans Converted to Term	2,115	1,643
Total	275,251	293,375
Agricultural and farmland \| Pass
Financing Receivable Term Loans by Origination Year
Year one	47,469	42,272
Year two	28,223	35,593
Year three	27,972	32,146
Year four	15,041	28,714
Year five	25,152	27,865
Prior	20,220	7,656
Revolving Loans	82,342	94,977
Revolving Loans Converted to Term	401	703
Total	246,820	269,926
Agricultural and farmland \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	2,367	100
Year two	513	2,671
Year three	1,047	1,424
Year four	2,066	1,403
Year five	868	508
Prior	805	861
Revolving Loans	5,878	10,633
Revolving Loans Converted to Term	81	554
Total	13,625	18,154
Agricultural and farmland \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	1,253	134
Year two	0	87
Year three	8	0
Year four	0	0
Year five	5	0
Prior	0	0
Revolving Loans	1,148	300
Revolving Loans Converted to Term	80	0
Total	2,494	521
Agricultural and farmland \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	600	332
Year two	331	51
Year three	2,325	494
Year four	1,819	9
Year five	903	3,183
Prior	3,094	0
Revolving Loans	1,687	319
Revolving Loans Converted to Term	1,553	386
Total	12,312	4,774
Municipal, consumer, and other
Financing Receivable Term Loans by Origination Year
Year one	58,451	77,903
Year two	25,600	37,733
Year three	17,349	14,514
Year four	17,780	23,216
Year five	21,877	12,479
Prior	57,601	52,894
Revolving Loans	54,353	33,613
Revolving Loans Converted to Term	1	0
Total	253,012	252,352
Municipal, consumer, and other \| Pass
Financing Receivable Term Loans by Origination Year
Year one	58,427	77,779
Year two	25,595	37,678
Year three	17,346	14,475
Year four	17,779	23,204
Year five	21,868	12,479
Prior	43,957	37,460
Revolving Loans	54,349	33,611
Revolving Loans Converted to Term	1	0
Total	239,322	236,686
Municipal, consumer, and other \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	17	103
Year two	0	50
Year three	0	6
Year four	0	12
Year five	0	0
Prior	1	757
Revolving Loans	2	1
Revolving Loans Converted to Term	0	0
Total	20	929
Municipal, consumer, and other \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	4,107
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	0	4,107
Municipal, consumer, and other \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	7	21
Year two	5	5
Year three	3	33
Year four	1	0
Year five	9	0
Prior	13,643	10,570
Revolving Loans	2	1
Revolving Loans Converted to Term	0	0
Total	$ 13,670	$ 10,630

SUBORDINATED NOTES (Tables)

12 Months Ended

Dec. 31, 2025

Subordinated Borrowings [Abstract]

Schedule of Face Value Carrying Value of Subordinated Notes

The face value and carrying value of the subordinated notes are summarized below:


(dollars in thousands)	December 31, 2025		December 31, 2024

Subordinated notes, at face value	$	—	$	40,000
Unamortized issuance costs	—		(447)
Subordinated notes, at carrying value	$	—	$	39,553

The face values and carrying values of the junior subordinated debentures are summarized as follows:


			Carrying Value
(dollars in thousands)	Face Value		December 31, 2025		December 31, 2024

Heartland Bancorp, Inc. Capital Trust B	$	10,310	$	10,310	$	10,310
Heartland Bancorp, Inc. Capital Trust C	10,310		10,310		10,310
Heartland Bancorp, Inc. Capital Trust D	5,155		5,155		5,155
FFBI Capital Trust I	7,217		7,217		7,217
National Bancorp Statutory Trust I	5,773		4,985		4,919
Town and Country Statutory Trust II	4,124		4,347		4,374
Town and Country Statutory Trust III	7,732		7,601		7,590
West Plains Investors Statutory Trust I	3,093		2,984		2,974
Total	$	53,714	$	52,909	$	52,849

DEPOSITS - Interest Bearing Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
DEPOSITS
Noninterest-bearing deposits	$ 1,049,043	$ 1,046,405
Interest-bearing deposits:
Interest-bearing demand	1,144,416	1,099,061
Money market	839,097	820,825
Savings	564,220	566,533
Time	762,487	785,430
Total interest-bearing deposits	3,310,220	3,271,849
Total deposits	$ 4,359,263	$ 4,318,254

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.84	$ 0.76	$ 0.68
Accounting Standards Update [Extensible Enumeration]			Accounting Standards Update 2023-02	Accounting Standards Update 2016-13 [Member]

- Definition

Indicates amendment to accounting standards.

+ References

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+ Details

SECURITIES - Amortized Cost and Fair Values of Securities with Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Amortized Cost
Due in 1 year or less	$ 34,128
Due after 1 year through 5 years	173,366
Due after 5 years through 10 years	119,292
Due after 10 years	23,510
Total	841,867
Fair Value
Due in 1 year or less	33,783
Due after 1 year through 5 years	163,765
Due after 5 years through 10 years	112,595
Due after 10 years	22,226
Total	813,101	$ 698,049
Amortized Cost
Due in 1 year or less	7,330
Due after 1 year through 5 years	52,682
Due after 5 years through 10 years	54,764
Due after 10 years	1,934
Total	458,746
Fair Value
Due in 1 year or less	7,257
Due after 1 year through 5 years	51,407
Due after 5 years through 10 years	51,590
Due after 10 years	1,901
Total	426,799	445,186
Agency residential
Amortized Cost
Total	364,567
Fair Value
Total	360,795	227,368
Amortized Cost
Total	75,536
Fair Value
Total	73,015	79,847
Agency commercial
Amortized Cost
Total	127,004
Fair Value
Total	119,937	116,681
Amortized Cost
Total	266,500
Fair Value
Total	$ 241,629	$ 250,147

SECURITIES - Unrealized Gains (Losses) on Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Net unrealized gains (losses) on equity securities:
Readily determinable fair value	$ 7	$ (25)	$ 330
No readily determinable fair value	0	(34)	(170)
Unrealized gains (losses) on equity securities	$ 7	$ (59)	$ 160

FAIR VALUE OF FINANCIAL INSTRUMENTS - Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	$ 3,456,209	$ 3,466,146
Foreclosed assets	1,126	367
Fair Value, Nonrecurring
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans held for sale	1,263	1,586
Bank premises held for sale		317
Foreclosed assets	1,126	367
Fair Value, Nonrecurring \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	23,196	27,717
Fair Value, Nonrecurring \| Level 1 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans held for sale	0	0
Bank premises held for sale		0
Foreclosed assets	0	0
Fair Value, Nonrecurring \| Level 1 Inputs \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	0	0
Fair Value, Nonrecurring \| Level 2 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans held for sale	1,263	1,586
Bank premises held for sale		0
Foreclosed assets	0	0
Fair Value, Nonrecurring \| Level 2 Inputs \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	0	0
Fair Value, Nonrecurring \| Level 3 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans held for sale	0	0
Bank premises held for sale		317
Foreclosed assets	1,126	367
Fair Value, Nonrecurring \| Level 3 Inputs \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	$ 23,196	$ 27,717

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Major categories of loans are summarized as follows:


(dollars in thousands)	December 31, 2025		December 31, 2024

Commercial and industrial	$	399,760	$	428,389
Commercial real estate - owner occupied	320,434		322,316
Commercial real estate - non-owner occupied	937,094		899,565
Construction and land development	280,254		374,657
Multi-family	544,941		431,524
One-to-four family residential	445,463		463,968
Agricultural and farmland	275,251		293,375
Municipal, consumer, and other	253,012		252,352
Loans, before allowance for credit losses	3,456,209		3,466,146
Allowance for credit losses	(41,690)		(42,044)
Loans, net of allowance for credit losses	$	3,414,519	$	3,424,102

Allowance for Credit Losses

Management estimates the allowance for credit losses using relevant available information from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. The discounted cash flow method is used to estimate expected credit losses for all loan categories, except for consumer loans where the weighted average remaining maturity method is utilized.

At December 31, 2025, the economic forecast used by management anticipates that the unemployment rate will remain relatively flat and moderate growth in gross domestic product ("GDP") during 2026. After the forecast period, the Company reverts to long-term averages over a 4-quarter reversion period. Additionally, management has made qualitative adjustments to the loss estimates to reflect other factors that influence credit losses.

The following tables detail activity in the allowance for credit losses:










































(dollars in thousands)	Commercial and Industrial		Commercial Real Estate Owner Occupied		Commercial Real Estate Non-owner Occupied		Construction and Land Development		Multi-Family		One-to-four Family Residential		Agricultural and Farmland		Municipal, Consumer, and Other		Total

Balance, December 31, 2022	$	3,279	$	1,193	$	6,721	$	4,223	$	1,472	$	1,759	$	796	$	5,890	$	25,333
Adoption of ASC 326	(822)		587		501		1,969		85		797		1,567		2,299		6,983
PCD allowance established in acquisition	69		127		239		240		68		492		5		7		1,247
Provision for credit losses	2,823		352		187		(487)		1,931		2,004		(1,399)		1,254		6,665
Charge-offs	(428)		(5)		(202)		—		—		(34)		—		(690)		(1,359)
Recoveries	59		18		268		53		281		186		6		308		1,179
Balance, December 31, 2023	4,980		2,272		7,714		5,998		3,837		5,204		975		9,068		40,048

Provision for credit losses	1,677		825		3,407		(1,699)		682		(1,438)		246		54		3,754
Charge-offs	(1,448)		(6)		—		—		(188)		(298)		(62)		(1,282)		(3,284)
Recoveries	148		16		586		3		—		440		11		322		1,526
Balance, December 31, 2024	5,357		3,107		11,707		4,302		4,331		3,908		1,170		8,162		42,044

Provision for credit losses	3,468		1,364		(3,002)		(472)		1,233		(164)		(461)		138		2,104
Charge-offs	(2,449)		(125)		—		(8)		(80)		(548)		(24)		(627)		(3,861)
Recoveries	599		37		—		77		—		339		73		278		1,403
Balance, December 31, 2025	$	6,975	$	4,383	$	8,705	$	3,899	$	5,484	$	3,535	$	758	$	7,951	$	41,690

Gross charge-offs, further sorted by origination year, were as follows during the year ended December 31, 2025 and 2024.


	Gross Charge-Offs for the Year Ended December 31, 2025
	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
(dollars in thousands)	2025		2024		2023		2022		2021		Prior

Commercial and industrial	$	12	$	1	$	905	$	195	$	46	$	—	$	1,290	$	—	$	2,449
Commercial real estate - owner occupied	—		—		124		—		1		—		—		—		125
Commercial real estate - non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land development	—		2		—		2		—		4		—		—		8
Multi-family	—		80		—		—		—		—		—		—		80
One-to-four family residential	—		20		—		45		—		480		3		—		548
Agricultural and farmland	—		9		—		—		—		—		15		—		24
Municipal, consumer, and other	371		75		2		—		—		—		179		—		627
Total	$	383	$	187	$	1,031	$	242	$	47	$	484	$	1,487	$	—	$	3,861

	Gross Charge-Offs for the Year Ended December 31, 2024
	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
(dollars in thousands)	2024		2023		2022		2021		2020		Prior

Commercial and industrial	$	—	$	1,264	$	75	$	—	$	—	$	11	$	98	$	—	$	1,448
Commercial real estate - owner occupied	6		—		—		—		—		—		—		—		6
Commercial real estate - non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land development	—		—		—		—		—		—		—		—		—
Multi-family	—		—		—		188		—		—		—		—		188
One-to-four family residential	—		1		8		15		4		182		88		—		298
Agricultural and farmland	—		—		44		—		—		—		18		—		62
Municipal, consumer, and other	415		63		11		—		—		529		264		—		1,282
Total	$	421	$	1,328	$	138	$	203	$	4	$	722	$	468	$	—	$	3,284

The following tables present loans and the related allowance for credit losses by category:


	December 31, 2025
(dollars in thousands)	Commercial and Industrial		Commercial Real Estate Owner Occupied		Commercial Real Estate Non-owner Occupied		Construction and Land Development		Multi-Family		One-to-four Family Residential		Agricultural and Farmland		Municipal, Consumer, and Other		Total

Loan balances:
Collectively evaluated for impairment	$	398,573	$	318,669	$	932,972	$	280,254	$	544,941	$	442,029	$	274,086	$	239,364	$	3,430,888
Individually evaluated for impairment	1,187		1,765		4,122		—		—		3,434		1,165		13,648		25,321
Total	$	399,760	$	320,434	$	937,094	$	280,254	$	544,941	$	445,463	$	275,251	$	253,012	$	3,456,209

Allowance for credit losses:
Collectively evaluated for impairment	$	6,739	$	3,764	$	8,705	$	3,899	$	5,484	$	3,525	$	758	$	6,691	$	39,565
Individually evaluated for impairment	236		619		—		—		—		10		—		1,260		2,125
Total	$	6,975	$	4,383	$	8,705	$	3,899	$	5,484	$	3,535	$	758	$	7,951	$	41,690

	December 31, 2024
(dollars in thousands)	Commercial and Industrial		Commercial Real Estate Owner Occupied		Commercial Real Estate Non-owner Occupied		Construction and Land Development		Multi-Family		One-to-four Family Residential		Agricultural and Farmland		Municipal, Consumer, and Other		Total

Loan balances:
Collectively evaluated for impairment	$	427,737	$	322,159	$	884,832	$	374,408	$	431,432	$	459,790	$	293,240	$	241,765	$	3,435,363
Individually evaluated for impairment	652		157		14,733		249		92		4,178		135		10,587		30,783
Total	$	428,389	$	322,316	$	899,565	$	374,657	$	431,524	$	463,968	$	293,375	$	252,352	$	3,466,146

Allowance for credit losses:
Collectively evaluated for impairment	$	5,344	$	3,107	$	11,201	$	4,269	$	4,239	$	3,747	$	1,170	$	5,901	$	38,978
Individually evaluated for impairment	13		—		506		33		92		161		—		2,261		3,066
Total	$	5,357	$	3,107	$	11,707	$	4,302	$	4,331	$	3,908	$	1,170	$	8,162	$	42,044

The following tables present collateral dependent loans, by the primary collateral type, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans:


	December 31, 2025
	Amortized Cost								Allowance for Credit Losses
	Primary Collateral Type
(dollars in thousands)	Real Estate		Vehicles		Other		Total

Commercial and industrial	$	—	$	362	$	825	$	1,187	$	236
Commercial real estate - owner occupied	1,765		—		—		1,765		619
Commercial real estate - non-owner occupied	4,122		—		—		4,122		—
Construction and land development	—		—		—		—		—
Multi-family	—		—		—		—		—
One-to-four family residential	3,434		—		—		3,434		10
Agricultural and farmland	736		—		429		1,165		—
Municipal, consumer, and other	9,768		—		3,880		13,648		1,260
Total	$	19,825	$	362	$	5,134	$	25,321	$	2,125

	December 31, 2024
	Amortized Cost								Allowance for Credit Losses
	Primary Collateral Type
(dollars in thousands)	Real Estate		Vehicles		Other		Total

Commercial and industrial	$	—	$	627	$	25	$	652	$	13
Commercial real estate - owner occupied	157		—		—		157		—
Commercial real estate - non-owner occupied	14,733		—		—		14,733		506
Construction and land development	249		—		—		249		33
Multi-family	92		—		—		92		92
One-to-four family residential	4,178		—		—		4,178		161
Agricultural and farmland	—		—		135		135		—
Municipal, consumer, and other	10,569		5		13		10,587		2,261
Total	$	29,978	$	632	$	173	$	30,783	$	3,066

Accrued interest on loans is excluded from the estimate of credit losses and totaled $18.2 million and $19.6 million as of December 31, 2025 and 2024, respectively.

Past Due and Nonaccrual Status

Past due status is based on the contractual terms of the loan. Typically, loans are placed on nonaccrual when they reach 90 days past due, or when, in management’s opinion, there is reasonable doubt regarding the collection of the amounts due through the normal means of the borrower. Interest accrued and unpaid at the time a loan is placed on nonaccrual status is reversed from interest income. Interest payments received on nonaccrual loans are recognized in accordance with our significant accounting policies. Once a loan is placed on nonaccrual status, the borrower must generally demonstrate at least six months of payment performance and we must believe that all remaining principal and interest is fully collectible, before the loan is eligible to return to accrual status.

The following tables present loans by category based on current payment and accrual status:


	December 31, 2025
	Accruing Interest
(dollars in thousands)	Current		30 - 89 Days Past Due		90+ Days Past Due		Nonaccrual		Total Loans

Commercial and industrial	$	397,254	$	1,319	$	—	$	1,187	$	399,760
Commercial real estate - owner occupied	318,094		575		—		1,765		320,434
Commercial real estate - non-owner occupied	934,230		2,864		—		—		937,094
Construction and land development	279,980		274		—		—		280,254
Multi-family	544,941		—		—		—		544,941
One-to-four family residential	440,247		1,782		—		3,434		445,463
Agricultural and farmland	274,086		—		—		1,165		275,251
Municipal, consumer, and other	252,814		193		—		5		253,012
Total	$	3,441,646	$	7,007	$	—	$	7,556	$	3,456,209


	December 31, 2024
	Accruing Interest
(dollars in thousands)	Current		30 - 89 Days Past Due		90+ Days Past Due		Nonaccrual		Total Loans

Commercial and industrial	$	425,859	$	1,878	$	—	$	652	$	428,389
Commercial real estate - owner occupied	321,805		354		—		157		322,316
Commercial real estate - non-owner occupied	897,445		299		—		1,821		899,565
Construction and land development	373,933		475		—		249		374,657
Multi-family	431,432		—		—		92		431,524
One-to-four family residential	459,069		721		—		4,178		463,968
Agricultural and farmland	293,231		9		—		135		293,375
Municipal, consumer, and other	251,798		182		4		368		252,352
Total	$	3,454,572	$	3,918	$	4	$	7,652	$	3,466,146

The following tables present nonaccrual loans with and without a related allowance for credit losses:


	December 31, 2025
(dollars in thousands)	Nonaccrual With Allowance for Credit Losses		Nonaccrual With No Allowance for Credit Losses		Total Nonaccrual

Commercial and industrial	$	565	$	622	$	1,187
Commercial real estate - owner occupied	886		879		1,765
Commercial real estate - non-owner occupied	—		—		—
Construction and land development	—		—		—
Multi-family	—		—		—
One-to-four family residential	133		3,301		3,434
Agricultural and farmland	—		1,165		1,165
Municipal, consumer, and other	—		5		5
Total	$	1,584	$	5,972	$	7,556

	December 31, 2024
(dollars in thousands)	Nonaccrual With Allowance for Credit Losses		Nonaccrual With No Allowance for Credit Losses		Total Nonaccrual

Commercial and industrial	$	185	$	467	$	652
Commercial real estate - owner occupied	—		157		157
Commercial real estate - non-owner occupied	—		1,821		1,821
Construction and land development	216		33		249
Multi-family	92		—		92
One-to-four family residential	654		3,524		4,178
Agricultural and farmland	—		135		135
Municipal, consumer, and other	—		368		368
Total	$	1,147	$	6,505	$	7,652

Credit Quality Indicators

The Company assigns a risk rating to all loans and periodically performs detailed internal reviews of all loans that are part of relationships with over $750 thousand in total exposure to identify credit risks and to assess the overall collectability of the portfolio. During these internal reviews, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which the borrowers operate and the fair values of collateral securing the loans. These credit quality indicators are used to assign a risk rating to each individual loan. Risk ratings are reviewed annually, at a minimum, and on an as needed basis depending on the specific circumstances of the loan. These risk ratings are also subject to review by the Company’s regulators, external loan review, and internal loan review. Risk ratings are grouped into the following major categories:

Pass – a pass loan is a credit with no existing or known potential weaknesses deserving of management’s close attention.

Pass-Watch – a pass-watch loan is still considered a "pass" credit and is not a classified or criticized asset, but is a reflection of a borrower who exhibits credit weaknesses or downward trends warranting close attention and increased monitoring. These potential weaknesses may result in deterioration of the repayment prospects for the loan. No loss of principal or interest is expected, and the borrower does not pose sufficient risk to warrant a special mention, substandard, or doubtful classification.

Special Mention – a special mention loan has potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the assets or in the institution's credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.

Substandard – a substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized as probable that the borrower will not pay principal and interest in accordance with the contractual terms.

Doubtful – a doubtful loan has all the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. There were no loans classified as doubtful as of December 31, 2025 and December 31, 2024.

The following tables present loans by category based on their assigned risk ratings determined by management:


	December 31, 2025
(dollars in thousands)	Pass		Pass-Watch		Special Mention		Substandard		Total

Commercial and industrial	$	369,941	$	18,960	$	2,591	$	8,268	$	399,760
Commercial real estate - owner occupied	291,831		17,681		3,774		7,148		320,434
Commercial real estate - non-owner occupied	889,380		33,391		308		14,015		937,094
Construction and land development	269,932		540		975		8,807		280,254
Multi-family	503,133		41,808		—		—		544,941
One-to-four family residential	431,553		5,741		1,646		6,523		445,463
Agricultural and farmland	246,820		13,625		2,494		12,312		275,251
Municipal, consumer, and other	239,322		20		—		13,670		253,012
Total	$	3,241,912	$	131,766	$	11,788	$	70,743	$	3,456,209


	December 31, 2024
(dollars in thousands)	Pass		Pass-Watch		Special Mention		Substandard		Total

Commercial and industrial	$	404,779	$	16,429	$	1,957	$	5,224	$	428,389
Commercial real estate - owner occupied	297,150		14,969		2,713		7,484		322,316
Commercial real estate - non-owner occupied	843,487		21,594		—		34,484		899,565
Construction and land development	351,657		1,376		20,847		777		374,657
Multi-family	411,842		3,855		15,735		92		431,524
One-to-four family residential	448,869		6,641		710		7,748		463,968
Agricultural and farmland	269,926		18,154		521		4,774		293,375
Municipal, consumer, and other	236,686		929		4,107		10,630		252,352
Total	$	3,264,396	$	83,947	$	46,590	$	71,213	$	3,466,146

Risk ratings of loans, further sorted by origination year, are as follows as of December 31, 2025:


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2025		2024		2023		2022		2021		Prior
Commercial and industrial
Pass	$	45,966	$	46,995	$	39,709	$	30,655	$	7,983	$	15,680	$	171,444	$	11,509	$	369,941
Pass-Watch	457		145		1,328		254		821		12		15,847		96		18,960
Special Mention	134		—		36		331		—		—		255		1,835		2,591
Substandard	198		514		743		1,122		110		705		3,821		1,055		8,268
Total	$	46,755	$	47,654	$	41,816	$	32,362	$	8,914	$	16,397	$	191,367	$	14,495	$	399,760

Commercial real estate - owner occupied
Pass	$	53,050	$	59,585	$	20,402	$	47,115	$	43,983	$	50,548	$	16,267	$	881	$	291,831
Pass-Watch	4,739		1,352		199		1,729		1,897		681		7,084		—		17,681
Special Mention	2,274		—		—		—		—		—		1,500		—		3,774
Substandard	2,267		—		158		1,842		1,146		713		457		565		7,148
Total	$	62,330	$	60,937	$	20,759	$	50,686	$	47,026	$	51,942	$	25,308	$	1,446	$	320,434

Commercial real estate - non-owner occupied
Pass	$	224,400	$	73,631	$	93,259	$	193,916	$	189,265	$	91,394	$	21,926	$	1,589	$	889,380
Pass-Watch	7,645		5,704		391		1,693		2,898		14,314		746		—		33,391
Special Mention	—		42		—		—		266		—		—		—		308
Substandard	11,307		—		194		—		—		2,514		—		—		14,015
Total	$	243,352	$	79,377	$	93,844	$	195,609	$	192,429	$	108,222	$	22,672	$	1,589	$	937,094

Construction and land development
Pass	$	162,752	$	56,846	$	24,151	$	1,460	$	12,853	$	676	$	10,970	$	224	$	269,932
Pass-Watch	18		245		—		—		—		16		—		261		540
Special Mention	—		—		274		—		—		—		—		701		975
Substandard	—		—		—		8,758		—		49		—		—		8,807
Total	$	162,770	$	57,091	$	24,425	$	10,218	$	12,853	$	741	$	10,970	$	1,186	$	280,254

Multi-family
Pass	$	175,366	$	73,457	$	45,977	$	70,197	$	81,169	$	53,452	$	2,483	$	1,032	$	503,133
Pass-Watch	—		—		11,990		29,246		572		—		—		—		41,808
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Total	$	175,366	$	73,457	$	57,967	$	99,443	$	81,741	$	53,452	$	2,483	$	1,032	$	544,941

One-to-four family residential
Pass	$	75,509	$	25,965	$	65,431	$	69,197	$	56,878	$	71,763	$	61,555	$	5,255	$	431,553
Pass-Watch	151		146		632		761		1,089		2,498		233		231		5,741
Special Mention	31		—		598		902		—		—		—		115		1,646
Substandard	435		187		484		353		279		4,486		22		277		6,523
Total	$	76,126	$	26,298	$	67,145	$	71,213	$	58,246	$	78,747	$	61,810	$	5,878	$	445,463

Agricultural and farmland
Pass	$	47,469	$	28,223	$	27,972	$	15,041	$	25,152	$	20,220	$	82,342	$	401	$	246,820
Pass-Watch	2,367		513		1,047		2,066		868		805		5,878		81		13,625
Special Mention	1,253		—		8		—		5		—		1,148		80		2,494
Substandard	600		331		2,325		1,819		903		3,094		1,687		1,553		12,312
Total	$	51,689	$	29,067	$	31,352	$	18,926	$	26,928	$	24,119	$	91,055	$	2,115	$	275,251


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2025		2024		2023		2022		2021		Prior
Municipal, consumer, and other
Pass	$	58,427	$	25,595	$	17,346	$	17,779	$	21,868	$	43,957	$	54,349	$	1	$	239,322
Pass-Watch	17		—		—		—		—		1		2		—		20
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	7		5		3		1		9		13,643		2		—		13,670
Total	$	58,451	$	25,600	$	17,349	$	17,780	$	21,877	$	57,601	$	54,353	$	1	$	253,012

Total by risk rating
Pass	$	842,939	$	390,297	$	334,247	$	445,360	$	439,151	$	347,690	$	421,336	$	20,892	$	3,241,912
Pass-Watch	15,394		8,105		15,587		35,749		8,145		18,327		29,790		669		131,766
Special Mention	3,692		42		916		1,233		271		—		2,903		2,731		11,788
Substandard	14,814		1,037		3,907		13,895		2,447		25,204		5,989		3,450		70,743
Total	$	876,839	$	399,481	$	354,657	$	496,237	$	450,014	$	391,221	$	460,018	$	27,742	$	3,456,209

Risk ratings of loans, further sorted by origination year, are as follows as of December 31, 2024:


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2024		2023		2022		2021		2020		Prior
Commercial and industrial
Pass	$	46,635	$	43,007	$	44,701	$	11,617	$	17,913	$	41,397	$	197,516	$	1,993	$	404,779
Pass-Watch	475		1,310		186		1,121		—		1,775		10,613		949		16,429
Special Mention	—		281		272		173		—		—		1,231		—		1,957
Substandard	—		1,913		1,016		721		—		—		939		635		5,224
Total	$	47,110	$	46,511	$	46,175	$	13,632	$	17,913	$	43,172	$	210,299	$	3,577	$	428,389

Commercial real estate - owner occupied
Pass	$	63,546	$	23,607	$	56,509	$	48,867	$	39,679	$	44,108	$	19,766	$	1,068	$	297,150
Pass-Watch	6,478		395		3,698		2,111		542		1,374		371		—		14,969
Special Mention	1,877		—		—		150		—		—		686		—		2,713
Substandard	819		700		506		3,707		1,241		511		—		—		7,484
Total	$	72,720	$	24,702	$	60,713	$	54,835	$	41,462	$	45,993	$	20,823	$	1,068	$	322,316

Commercial real estate - non-owner occupied
Pass	$	92,125	$	108,688	$	245,168	$	222,479	$	84,054	$	65,935	$	23,425	$	1,613	$	843,487
Pass-Watch	3,173		421		6,656		4,031		2,442		4,871		—		—		21,594
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	23,245		9,191		—		—		—		2,048		—		—		34,484
Total	$	118,543	$	118,300	$	251,824	$	226,510	$	86,496	$	72,854	$	23,425	$	1,613	$	899,565

Construction and land development
Pass	$	181,274	$	73,773	$	65,045	$	21,542	$	590	$	693	$	8,228	$	512	$	351,657
Pass-Watch	—		—		—		—		—		18		697		661		1,376
Special Mention	—		—		8,750		12,097		—		—		—		—		20,847
Substandard	475		—		216		—		—		86		—		—		777
Total	$	181,749	$	73,773	$	74,011	$	33,639	$	590	$	797	$	8,925	$	1,173	$	374,657

Multi-family
Pass	$	46,969	$	80,450	$	88,823	$	101,284	$	50,652	$	40,839	$	2,375	$	450	$	411,842
Pass-Watch	2,791		—		567		—		—		492		—		5		3,855
Special Mention	6,936		—		—		—		8,799		—		—		—		15,735
Substandard	92		—		—		—		—		—		—		—		92
Total	$	56,788	$	80,450	$	89,390	$	101,284	$	59,451	$	41,331	$	2,375	$	455	$	431,524

One-to-four family residential
Pass	$	44,914	$	87,184	$	79,834	$	71,466	$	57,258	$	43,455	$	59,446	$	5,312	$	448,869
Pass-Watch	1,126		1,271		936		242		405		2,252		134		275		6,641
Special Mention	—		—		—		592		118		—		—		—		710
Substandard	281		522		861		473		382		4,824		16		389		7,748
Total	$	46,321	$	88,977	$	81,631	$	72,773	$	58,163	$	50,531	$	59,596	$	5,976	$	463,968

Agricultural and farmland
Pass	$	42,272	$	35,593	$	32,146	$	28,714	$	27,865	$	7,656	$	94,977	$	703	$	269,926
Pass-Watch	100		2,671		1,424		1,403		508		861		10,633		554		18,154
Special Mention	134		87		—		—		—		—		300		—		521
Substandard	332		51		494		9		3,183		—		319		386		4,774
Total	$	42,838	$	38,402	$	34,064	$	30,126	$	31,556	$	8,517	$	106,229	$	1,643	$	293,375


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2024		2023		2022		2021		2020		Prior
Municipal, consumer, and other
Pass	$	77,779	$	37,678	$	14,475	$	23,204	$	12,479	$	37,460	$	33,611	$	—	$	236,686
Pass-Watch	103		50		6		12		—		757		1		—		929
Special Mention	—		—		—		—		—		4,107		—		—		4,107
Substandard	21		5		33		—		—		10,570		1		—		10,630
Total	$	77,903	$	37,733	$	14,514	$	23,216	$	12,479	$	52,894	$	33,613	$	—	$	252,352

Total by risk rating
Pass	$	595,514	$	489,980	$	626,701	$	529,173	$	290,490	$	281,543	$	439,344	$	11,651	$	3,264,396
Pass-Watch	14,246		6,118		13,473		8,920		3,897		12,400		22,449		2,444		83,947
Special Mention	8,947		368		9,022		13,012		8,917		4,107		2,217		—		46,590
Substandard	25,265		12,382		3,126		4,910		4,806		18,039		1,275		1,410		71,213
Total	$	643,972	$	508,848	$	652,322	$	556,015	$	308,110	$	316,089	$	465,285	$	15,505	$	3,466,146

Modifications

There were no loan modifications to borrowers experiencing financial difficulty during the year ended December 31, 2025. The Company modified one commercial and industrial loan to a borrower experiencing financial difficulty during the year ended December 31, 2024. The modification included an interest rate reduction and a term extension.

As of December 31, 2025, there were no loans modified to borrowers experiencing financial difficulty within the last 12 months. As of December 31, 2024, the loans modified to borrowers experiencing financial difficulty within the last 12 months had a carrying balance of $0.5 million and were current and performing in accordance with the modified terms.

BUSINESS COMBINATIONS - Schedule of Expenses Related to the Acquisition (Details) - USD ($)	3 Months Ended	9 Months Ended	12 Months Ended
	Jun. 30, 2023	Sep. 30, 2025	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Business Combination [Line Items]
PROVISION FOR CREDIT LOSSES			$ (2,104,000)	$ (3,754,000)	$ (6,665,000)
NONINTEREST EXPENSE
Salaries			66,342,000	65,130,000	67,453,000
Furniture and equipment			2,280,000	2,004,000	2,790,000
Data processing			11,766,000	11,169,000	12,352,000
Marketing and customer relations			4,183,000	4,320,000	5,043,000
Loan collection and servicing			1,346,000	2,056,000	1,402,000
Total noninterest expense			129,418,000	$ 124,007,000	130,964,000
CNB Bank Shares, Inc.
NONINTEREST EXPENSE
Salaries			43,000
Data processing			370,000
Legal fees and other noninterest expense			586,000
Total noninterest expense			$ 999,000
Acquisition related expenses		$ 0
Town and Country
Business Combination [Line Items]
PROVISION FOR CREDIT LOSSES					5,924,000
NONINTEREST EXPENSE
Salaries					3,584,000
Furniture and equipment					39,000
Data processing					2,031,000
Marketing and customer relations					24,000
Loan collection and servicing					125,000
Legal fees and other noninterest expense					1,964,000
Total noninterest expense					7,767,000
Acquisition related expenses	$ 0				$ 13,691,000

JUNIOR SUBORDINATED DEBENTURES ISSUED TO CAPITAL TRUSTS

12 Months Ended

Dec. 31, 2025

Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust [Abstract]

JUNIOR SUBORDINATED DEBENTURES ISSUED TO CAPITAL TRUSTS

Eight subsidiary business trusts of the Company have issued floating rate capital securities (“capital securities”) which are guaranteed by the Company.

The Company owns all of the outstanding stock of the subsidiary business trusts. The trusts used the proceeds from the issuance of their capital securities to buy floating rate junior subordinated deferrable interest debentures (“junior subordinated debentures”) issued by the Company. These junior subordinated debentures are the only assets of the trusts and the interest payments from the junior subordinated debentures finance the distributions paid on the capital securities. The junior subordinated debentures are unsecured, rank junior and subordinate in the right of payment to all senior debt of the Company, and have an optional redemption in whole or in part on any interest payment date.

In accordance with GAAP, the trusts are not consolidated in the Company’s financial statements.

The face values and carrying values of the junior subordinated debentures are summarized as follows:


			Carrying Value
(dollars in thousands)	Face Value		December 31, 2025		December 31, 2024

Heartland Bancorp, Inc. Capital Trust B	$	10,310	$	10,310	$	10,310
Heartland Bancorp, Inc. Capital Trust C	10,310		10,310		10,310
Heartland Bancorp, Inc. Capital Trust D	5,155		5,155		5,155
FFBI Capital Trust I	7,217		7,217		7,217
National Bancorp Statutory Trust I	5,773		4,985		4,919
Town and Country Statutory Trust II	4,124		4,347		4,374
Town and Country Statutory Trust III	7,732		7,601		7,590
West Plains Investors Statutory Trust I	3,093		2,984		2,974
Total	$	53,714	$	52,909	$	52,849

The interest rates on the junior subordinated debentures are variable, reset quarterly, and are equal to the three-month term SOFR, as determined on the SOFR Determination Date immediately preceding the Distribution Payment Date specific to each junior subordinated debenture, plus a fixed percentage.

The interest rates and maturities of the junior subordinated debentures are summarized as follows:


			Interest Rate at
	Variable Interest Rate		December 31, 2025		December 31, 2024		Maturity Date
Heartland Bancorp, Inc. Capital Trust B	SOFR plus	3.01%	6.92	%	7.67	%	April 6, 2034
Heartland Bancorp, Inc. Capital Trust C	SOFR plus	1.79	5.51		6.15		June 15, 2037
Heartland Bancorp, Inc. Capital Trust D	SOFR plus	1.61	5.33		5.97		September 15, 2037
FFBI Capital Trust I	SOFR plus	3.06	6.97		7.72		April 6, 2034
National Bancorp Statutory Trust I	SOFR plus	3.16	6.88		7.52		December 15, 2037
Town and Country Statutory Trust II	SOFR plus	3.05	6.76		7.40		March 17, 2034
Town and Country Statutory Trust III	SOFR plus	1.94	5.66		6.30		March 22, 2037
West Plains Investors Statutory Trust I	SOFR plus	1.71	5.43		6.07		June 15, 2037

The distribution rate payable on the debentures is cumulative and payable quarterly in arrears. The Company has the right, subject to events of default, to defer payments of interest on the junior subordinated debentures at any time by extending the interest payment period for a period not exceeding 20 quarterly periods with respect to each deferral period, provided that no extension period may extend beyond the redemption or maturity date of the junior subordinated debentures. The capital securities are subject to mandatory redemption upon payment of the junior subordinated debentures and carry an interest rate identical to that of the related debenture. The junior subordinated debentures maturity dates may be shortened if certain conditions are met, or at any time within 90 days following the occurrence and continuation of certain changes in either tax treatment or the capital treatment of the junior subordinated debentures or the capital securities. If the junior subordinated debentures are redeemed before they mature, the redemption price will be the principal amount plus any accrued but unpaid interest. The Company has the right to terminate each Capital Trust and cause the junior subordinated debentures to be distributed to the holders of the capital securities in liquidation of such trusts.

Under current banking regulations, bank holding companies are allowed to include qualifying trust preferred securities in their Tier 1 Capital for regulatory capital purposes, subject to a 25% limitation to all core (Tier 1) capital elements, net of goodwill and other intangible assets less any associated deferred tax liability. As of December 31, 2025 and 2024, 100% of the trust preferred securities qualified as Tier 1 capital under the final rule adopted in March 2005.

INCOME TAXES - Schedule of Components of the Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deferred tax assets
Allowance for credit losses	$ 12,709	$ 12,523
Compensation related	3,146	3,119
Deferred loan fees	965	692
Nonaccrual interest	632	673
Goodwill	0	3
Net operating loss carryforward	62	99
Net unrealized losses on debt securities	10,282	19,424
Other purchase accounting adjustments	2,952	4,012
Other	648	699
Total deferred tax assets	31,396	41,244
Deferred tax liabilities
Fixed asset depreciation	3,569	3,172
Mortgage servicing rights	4,699	5,224
Intangible assets	4,087	4,899
Prepaid assets	1,087	982
Goodwill	59	0
Other	655	532
Total deferred tax liabilities	14,156	14,809
Net deferred tax asset	$ 17,240	$ 26,435

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule Of Goodwill And Finite Lived Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Finite-Lived Intangible Assets [Roll Forward]
Beginning balance	$ 17,843
Amortization	(2,726)	$ (2,839)	$ (2,670)
Ending balance	15,117	17,843
Core Deposit Intangible
Finite-Lived Intangible Assets [Roll Forward]
Beginning balance	17,035	19,774	1,070
Additions	0	0	21,282
Amortization	(2,626)	(2,739)	(2,578)
Ending balance	14,409	17,035	19,774
Accumulated amortization	28,790	26,164	23,425
Customer Relationship Intangible
Finite-Lived Intangible Assets [Roll Forward]
Beginning balance	808	908	0
Additions	0	0	1,000
Amortization	(100)	(100)	(92)
Ending balance	708	808	908
Accumulated amortization	$ 292	$ 192	$ 92

- Definition

The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 28
-Subparagraph (b)
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+ Details

SECURITIES - Amortized Cost and Fair Values of Securities with Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Available-for-sale:
Amortized Cost	$ 841,867	$ 757,492
Gross Unrealized Gains	4,667	412
Gross Unrealized Losses	(33,433)	(59,855)
Allowance for Credit Losses	0	0
Total	813,101	698,049
Held-to-maturity:
Amortized Cost	458,746	499,858
Gross Unrecognized Gains	401	48
Gross Unrecognized Losses	(32,348)	(54,720)
Total	426,799	445,186
Allowance for Credit Losses	0	0
U.S. Treasury
Available-for-sale:
Amortized Cost	89,796	119,690
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(4,252)	(8,545)
Allowance for Credit Losses	0	0
Total	85,544	111,145
U.S. government agency
Available-for-sale:
Amortized Cost	42,399	55,742
Gross Unrealized Gains	146	0
Gross Unrealized Losses	(1,123)	(2,544)
Allowance for Credit Losses	0	0
Total	41,422	53,198
Held-to-maturity:
Amortized Cost	88,496	88,472
Gross Unrecognized Gains	0	0
Gross Unrecognized Losses	(4,850)	(8,819)
Total	83,646	79,653
Allowance for Credit Losses	0	0
Municipal
Available-for-sale:
Amortized Cost	152,144	150,163
Gross Unrealized Gains	188	0
Gross Unrealized Losses	(12,062)	(19,484)
Allowance for Credit Losses	0	0
Total	140,270	130,679
Held-to-maturity:
Amortized Cost	28,214	35,862
Gross Unrecognized Gains	353	48
Gross Unrecognized Losses	(58)	(371)
Total	28,509	35,539
Allowance for Credit Losses	0	0
Agency residential
Available-for-sale:
Amortized Cost	364,567	241,342
Gross Unrealized Gains	3,605	253
Gross Unrealized Losses	(7,377)	(14,227)
Allowance for Credit Losses	0	0
Total	360,795	227,368
Held-to-maturity:
Amortized Cost	75,536	85,643
Gross Unrecognized Gains	23	0
Gross Unrecognized Losses	(2,544)	(5,796)
Total	73,015	79,847
Allowance for Credit Losses	0	0
Agency commercial
Available-for-sale:
Amortized Cost	127,004	128,823
Gross Unrealized Gains	107	3
Gross Unrealized Losses	(7,174)	(12,145)
Allowance for Credit Losses	0	0
Total	119,937	116,681
Held-to-maturity:
Amortized Cost	266,500	289,881
Gross Unrecognized Gains	25	0
Gross Unrecognized Losses	(24,896)	(39,734)
Total	241,629	250,147
Allowance for Credit Losses	0	0
Corporate
Available-for-sale:
Amortized Cost	65,957	61,732
Gross Unrealized Gains	621	156
Gross Unrealized Losses	(1,445)	(2,910)
Allowance for Credit Losses	0	0
Total	$ 65,133	$ 58,978

BUSINESS COMBINATIONS (Tables)

12 Months Ended

Dec. 31, 2025

Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]

Schedule of Expenses Related to the Acquisition

Acquisition-related expenses recognized during the year ended December 31, 2025 are summarized below.


	Year Ended
(dollars in thousands)	December 31, 2025


NONINTEREST EXPENSE
Salaries	$	43



Data processing	370





Legal fees and other noninterest expense	586

Total CNB acquisition-related expenses	$	999

The acquisition of Town and Country further enhanced HBT Financial’s footprint in central Illinois, and expanded our footprint into metro-east St. Louis. Acquisition-related expenses recognized during the years ended December 31, 2023 are summarized below. There were no Town and Country acquisition-related expenses recognized subsequent to the second quarter of 2023.


	Year Ended
(dollars in thousands)	December 31, 2023

PROVISION FOR CREDIT LOSSES	$	5,924
NONINTEREST EXPENSE
Salaries	3,584


Furniture and equipment	39
Data processing	2,031
Marketing and customer relations	24


Loan collection and servicing	125

Legal fees and other noninterest expense	1,964
Total noninterest expense	7,767
Total Town and Country acquisition-related expenses	$	13,691

Schedule of Assets Acquired and Liabilities Assumed

The fair value of the assets acquired and liabilities assumed from Town and Country on the acquisition date of February 1, 2023 were as follows (dollars in thousands):


	Fair Value
Assets acquired:
Cash and cash equivalents	$	23,542
Interest-bearing time deposits with banks	249
Debt securities	167,869
Equity securities	301
Restricted stock	2,822
Loans held for sale	1,612

Loans, before allowance for credit losses	635,376
Allowance for credit losses	(1,247)
Loans, net of allowance for credit losses	634,129

Bank owned life insurance	15,782
Bank premises and equipment	14,828
Foreclosed assets	271
Intangible assets	22,282
Mortgage servicing rights	10,469
Investments in unconsolidated subsidiaries	449
Accrued interest receivable	3,113
Other assets	8,940
Total assets acquired	906,658

Liabilities assumed:
Deposits	720,417
FHLB advances	86,439
Junior subordinated debentures	14,949
Other liabilities	5,999
Total liabilities assumed	827,804
Net assets acquired	$	78,854

Consideration paid:
Cash	$	37,996
Common stock	71,356
Total consideration paid	$	109,352

Goodwill	$	30,498

Schedule of PCD Loans at Acquisition

The following table provides a summary of these PCD loans at acquisition (dollars in thousands):


Unpaid principal balance	$	89,822
Allowance for credit losses at acquisition	(1,247)
Non-credit discount	(2,218)
Purchase price	$	86,357

Schedule of Acquisition Related Expenses

The acquisition-related expenses that have been recognized are included in net income in the following table.


	Pro Forma
(dollars in thousands, except per share data)	Year Ended December 31, 2023
Total revenues (net interest income and noninterest income)	$	230,171
Net income	66,056
Earnings per share - basic	2.07
Earnings per share - diluted	2.06

JUNIOR SUBORDINATED DEBENTURES ISSUED TO CAPITAL TRUSTS - Carrying Values (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
SUBORDINATED NOTES
Junior subordinated debentures	$ 52,909	$ 52,849
Junior subordinated debentures
SUBORDINATED NOTES
Subordinated notes, at face value	53,714
Junior subordinated debentures	52,909	52,849
Junior subordinated debentures \| Heartland Bancorp, Inc. Capital Trust B
SUBORDINATED NOTES
Subordinated notes, at face value	10,310
Junior subordinated debentures	10,310	10,310
Junior subordinated debentures \| Heartland Bancorp, Inc. Capital Trust C
SUBORDINATED NOTES
Subordinated notes, at face value	10,310
Junior subordinated debentures	10,310	10,310
Junior subordinated debentures \| Heartland Bancorp, Inc. Capital Trust D
SUBORDINATED NOTES
Subordinated notes, at face value	5,155
Junior subordinated debentures	5,155	5,155
Junior subordinated debentures \| FFBI Capital Trust I
SUBORDINATED NOTES
Subordinated notes, at face value	7,217
Junior subordinated debentures	7,217	7,217
Junior subordinated debentures \| National Bancorp Statutory Trust I
SUBORDINATED NOTES
Subordinated notes, at face value	5,773
Junior subordinated debentures	4,985	4,919
Junior subordinated debentures \| Town and Country Statutory Trust II
SUBORDINATED NOTES
Subordinated notes, at face value	4,124
Junior subordinated debentures	4,347	4,374
Junior subordinated debentures \| Town and Country Statutory Trust III
SUBORDINATED NOTES
Subordinated notes, at face value	7,732
Junior subordinated debentures	7,601	7,590
Junior subordinated debentures \| West Plains Investors Statutory Trust I
SUBORDINATED NOTES
Subordinated notes, at face value	3,093
Junior subordinated debentures	$ 2,984	$ 2,974

JUNIOR SUBORDINATED DEBENTURES ISSUED TO CAPITAL TRUSTS - Narrative (Details)	12 Months Ended
	Dec. 31, 2025 subsidiary period	Dec. 31, 2024
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust [Abstract]
Number of subsidiaries \| subsidiary	8
Maximum deferred interest period quarters \| period	20
Period shorten the maturity date from the event	90 days
Trust preferred securities qualified as Tier 1 capital	100.00%	100.00%

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Intangible Assets

The following table summarizes the changes in the Company's intangible assets:


	Year Ended December 31,
	2025				2024				2023
(dollars in thousands)	Core Deposit Intangible		Customer Relationship Intangible		Core Deposit Intangible		Customer Relationship Intangible		Core Deposit Intangible		Customer Relationship Intangible

Beginning balance	$	17,035	$	808	$	19,774	$	908	$	1,070	$	—
Additions	—		—		—		—		21,282		1,000
Amortization	(2,626)		(100)		(2,739)		(100)		(2,578)		(92)
Ending balance	$	14,409	$	708	$	17,035	$	808	$	19,774	$	908
Accumulated amortization	$	28,790	$	292	$	26,164	$	192	$	23,425	$	92

Schedule of Amortization of Intangible Assets

Amortization of intangible assets for the years subsequent to December 31, 2025 is expected to be as follows (dollars in thousands):


Year ended December 31,
2026	$	2,411
2027	2,338
2028	2,255
2029	2,162
2030	2,056
Thereafter	3,895
Total	$	15,117

EARNINGS PER SHARE (Tables)

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Abstract]

Schedule of the Computation of Basic and Diluted Earnings per Share

The following table sets forth the computation of basic and diluted earnings per share:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Numerator:
Net income		$	77,008	$	71,780	$	65,842
Earnings allocated to participating securities		—		—		(36)
Numerator for earnings per share - basic and diluted		$	77,008	$	71,780	$	65,806

Denominator:
Weighted average common shares outstanding		31,502,351		31,590,117		31,626,308
Dilutive effect of outstanding restricted stock units		108,953		122,363		111,839
Weighted average common shares outstanding, including all dilutive potential shares		31,611,304		31,712,480		31,738,147

Earnings per share - basic		$	2.44	$	2.27	$	2.08
Earnings per share - diluted		$	2.44	$	2.26	$	2.07

GOODWILL AND OTHER INTANGIBLE ASSETS - Amortization (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
2026	$ 2,411
2027	2,338
2028	2,255
2029	2,162
2030	2,056
Thereafter	3,895
Total	$ 15,117	$ 17,843

STOCK-BASED COMPENSATION PLANS - Schedule of Restricted Stock Unit Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Restricted stock units
Stock-based compensation plans
Outstanding (in shares)	108,603	128,159	139,986
Granted (in shares)	43,397	51,246	41,847
Vested (in shares)	(56,922)	(70,540)	(51,693)
Forfeited (in shares)	(131)	(262)	(1,981)
Outstanding (in shares)	94,947	108,603	128,159
Weighted Average Grant Date Fair Value
Outstanding (in dollars per share)	$ 19.71	$ 19.56	$ 18.01
Granted (in dollars per share)	25.00	19.06	22.72
Vested (in dollars per share)	19.59	18.96	17.91
Forfeited (in dollars per share)	19.06	19.06	19.55
Outstanding (in dollars per share)	$ 22.20	$ 19.71	$ 19.56
Performance restricted stock units
Stock-based compensation plans
Outstanding (in shares)	70,333	79,097	62,067
Granted (in shares)	16,662	19,933	17,030
Adjustment for performance condition (in shares)	11,864	14,349	0
Vested (in shares)	(42,783)	(43,046)	0
Forfeited (in shares)	(2,451)	0	0
Outstanding (in shares)	53,625	70,333	79,097
Weighted Average Grant Date Fair Value
Outstanding (in dollars per share)	$ 19.59	$ 18.25	$ 17.02
Granted (in dollars per share)	25.00	19.06	22.72
Adjustment for performance condition (in dollars per share)	18.66	15.53	0
Vested (in dollars per share)	18.66	15.53	0
Forfeited (in dollars per share)	16.27	0	0
Outstanding (in dollars per share)	$ 22.07	$ 19.59	$ 18.25

BUSINESS COMBINATIONS

12 Months Ended

Dec. 31, 2025

Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]

BUSINESS COMBINATIONS

CNB Bank Shares, Inc.

On March 1, 2026, HBT Financial acquired 100% of the issued and outstanding common stock of CNB Bank Shares, Inc. (“CNB”), the holding company for CNB Bank & Trust, N.A. (“CNB Bank”), pursuant to an Agreement and Plan of Merger dated October 20, 2025. Under the Agreement and Plan of Merger, CNB merged with and into HBT Financial, with HBT Financial as the surviving entity, immediately followed by the merger of CNB Bank with and into Heartland Bank, with Heartland Bank as the surviving entity.

At the effective time of the merger, each share of CNB was converted into the right to receive, subject to the election and proration procedures as provided in the Merger Agreement, one of the following: (i) 1.0434 shares of HBT Financial's common stock, or (ii) $27.73 in cash, or (iii) a combination of cash and HBT Financial common stock. Total consideration consisted of approximately 5.5 million shares of HBT Financial's common stock and approximately $34 million in cash. In lieu of fractional shares, holders of CNB common stock received cash. Based upon the closing price of HBT Financial common stock of $26.96 on February 27, 2026, the aggregate transaction value was approximately $182 million.

This transaction will be accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed, and consideration exchanged was recorded at estimated fair values on the date of acquisition. Fair value assessments are incomplete as of the filing date of this Form 10-K. Fair values are subject to refinement up to one year after the closing date of March 1, 2026. The acquisition is a subsequent event and the financial results of CNB are not recognized in the consolidated financial statements as of and for the year ended December 31, 2025.

The combined company will have increased density in the central Illinois, Chicago MSA, and St. Louis MSA markets. There were no CNB acquisition-related expenses recognized prior to the fourth quarter of 2025. Acquisition-related expenses recognized during the year ended December 31, 2025 are summarized below.


	Year Ended
(dollars in thousands)	December 31, 2025


NONINTEREST EXPENSE
Salaries	$	43



Data processing	370





Legal fees and other noninterest expense	586

Total CNB acquisition-related expenses	$	999

Town and Country Financial Corporation

On February 1, 2023, HBT Financial acquired 100% of the issued and outstanding common stock of Town and Country Financial Corporation (“Town and Country”), the holding company for Town and Country Bank, pursuant to an Agreement and Plan of Merger dated August 23, 2022. Under the Agreement and Plan of Merger, Town and Country merged with and into HBT Financial, with HBT Financial as the surviving entity, immediately followed by the merger of Town and Country Bank with and into Heartland Bank, with Heartland Bank as the surviving entity.

At the effective time of the merger, each share of Town and Country was converted into the right to receive, subject to the election and proration procedures as provided in the Merger Agreement, one of the following: (i) 1.9010 shares of HBT Financial’s common stock, or (ii) $35.66 in cash, or (iii) a combination of cash and HBT Financial common stock. Total consideration consisted of 3,378,600 shares of HBT Financial’s common stock and $38.0 million in cash. In lieu of fractional shares, holders of Town and Country common stock received cash. Based upon the closing price of HBT Financial common stock of $21.12 on February 1, 2023, the aggregate transaction value was approximately $109.4 million.

This transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed, and consideration exchanged were recorded at estimated fair values on the date of acquisition. Fair values are subject to refinement for up to one year after the closing date of February 1, 2023. Measurement period adjustments of $0.1 million were recorded in the third quarter of 2023 as more information became available regarding Town and Country's tax assets and liabilities. Goodwill of $30.5 million was recorded in the acquisition, which reflects expected synergies from combining the operations of HBT Financial and Town and Country, and is nondeductible for tax purposes.


	Year Ended
(dollars in thousands)	December 31, 2023

PROVISION FOR CREDIT LOSSES	$	5,924
NONINTEREST EXPENSE
Salaries	3,584


Furniture and equipment	39
Data processing	2,031
Marketing and customer relations	24


Loan collection and servicing	125

Legal fees and other noninterest expense	1,964
Total noninterest expense	7,767
Total Town and Country acquisition-related expenses	$	13,691

The fair value of the assets acquired and liabilities assumed from Town and Country on the acquisition date of February 1, 2023 were as follows (dollars in thousands):


	Fair Value
Assets acquired:
Cash and cash equivalents	$	23,542
Interest-bearing time deposits with banks	249
Debt securities	167,869
Equity securities	301
Restricted stock	2,822
Loans held for sale	1,612

Loans, before allowance for credit losses	635,376
Allowance for credit losses	(1,247)
Loans, net of allowance for credit losses	634,129

Bank owned life insurance	15,782
Bank premises and equipment	14,828
Foreclosed assets	271
Intangible assets	22,282
Mortgage servicing rights	10,469
Investments in unconsolidated subsidiaries	449
Accrued interest receivable	3,113
Other assets	8,940
Total assets acquired	906,658

Liabilities assumed:
Deposits	720,417
FHLB advances	86,439
Junior subordinated debentures	14,949
Other liabilities	5,999
Total liabilities assumed	827,804
Net assets acquired	$	78,854

Consideration paid:
Cash	$	37,996
Common stock	71,356
Total consideration paid	$	109,352

Goodwill	$	30,498

Of the loans acquired, there were $89.8 million which exhibited more-than-insignificant credit deterioration on the acquisition date. The following table provides a summary of these PCD loans at acquisition (dollars in thousands):


Unpaid principal balance	$	89,822
Allowance for credit losses at acquisition	(1,247)
Non-credit discount	(2,218)
Purchase price	$	86,357

Additionally, subsequent to the Town and Country acquisition, HBT Financial recognized an allowance for credit losses on non-PCD loans of $5.2 million and an allowance for credit losses on unfunded commitments of $0.7 million through an increase to the provision for credit losses.

The following table provides the pro forma information for the results of operations for the year ended December 31, 2023 as if the acquisition of Town and Country had occurred on January 1, 2022. The pro forma results combine the historical results of Town and Country into HBT Financial’s consolidated statements of income, including the impact of certain acquisition accounting adjustments, which include loan discount accretion, intangible assets amortization, deposit premium amortization, and borrowing premium amortization. The pro forma results have been prepared for comparative purposes only and are not necessarily indicative of the results that would have been obtained had the acquisition actually occurred on January 1, 2022. No assumptions have been applied to the pro forma results of operations regarding possible revenue enhancements, provision for credit losses, expense efficiencies or asset dispositions. The acquisition-related expenses that have been recognized are included in net income in the following table.


	Pro Forma
(dollars in thousands, except per share data)	Year Ended December 31, 2023
Total revenues (net interest income and noninterest income)	$	230,171
Net income	66,056
Earnings per share - basic	2.07
Earnings per share - diluted	2.06

- Definition

The entire disclosure for business combination.

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+ Details

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Dec. 31, 2025
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES (Tables)

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Schedule of Major Categories of Loans

Major categories of loans are summarized as follows:


(dollars in thousands)	December 31, 2025		December 31, 2024

Commercial and industrial	$	399,760	$	428,389
Commercial real estate - owner occupied	320,434		322,316
Commercial real estate - non-owner occupied	937,094		899,565
Construction and land development	280,254		374,657
Multi-family	544,941		431,524
One-to-four family residential	445,463		463,968
Agricultural and farmland	275,251		293,375
Municipal, consumer, and other	253,012		252,352
Loans, before allowance for credit losses	3,456,209		3,466,146
Allowance for credit losses	(41,690)		(42,044)
Loans, net of allowance for credit losses	$	3,414,519	$	3,424,102

Schedule of Activity in Allowance for Credit Losses

The following tables detail activity in the allowance for credit losses:










































(dollars in thousands)	Commercial and Industrial		Commercial Real Estate Owner Occupied		Commercial Real Estate Non-owner Occupied		Construction and Land Development		Multi-Family		One-to-four Family Residential		Agricultural and Farmland		Municipal, Consumer, and Other		Total

Balance, December 31, 2022	$	3,279	$	1,193	$	6,721	$	4,223	$	1,472	$	1,759	$	796	$	5,890	$	25,333
Adoption of ASC 326	(822)		587		501		1,969		85		797		1,567		2,299		6,983
PCD allowance established in acquisition	69		127		239		240		68		492		5		7		1,247
Provision for credit losses	2,823		352		187		(487)		1,931		2,004		(1,399)		1,254		6,665
Charge-offs	(428)		(5)		(202)		—		—		(34)		—		(690)		(1,359)
Recoveries	59		18		268		53		281		186		6		308		1,179
Balance, December 31, 2023	4,980		2,272		7,714		5,998		3,837		5,204		975		9,068		40,048

Provision for credit losses	1,677		825		3,407		(1,699)		682		(1,438)		246		54		3,754
Charge-offs	(1,448)		(6)		—		—		(188)		(298)		(62)		(1,282)		(3,284)
Recoveries	148		16		586		3		—		440		11		322		1,526
Balance, December 31, 2024	5,357		3,107		11,707		4,302		4,331		3,908		1,170		8,162		42,044

Provision for credit losses	3,468		1,364		(3,002)		(472)		1,233		(164)		(461)		138		2,104
Charge-offs	(2,449)		(125)		—		(8)		(80)		(548)		(24)		(627)		(3,861)
Recoveries	599		37		—		77		—		339		73		278		1,403
Balance, December 31, 2025	$	6,975	$	4,383	$	8,705	$	3,899	$	5,484	$	3,535	$	758	$	7,951	$	41,690

The following tables present loans and the related allowance for credit losses by category:


	December 31, 2025
(dollars in thousands)	Commercial and Industrial		Commercial Real Estate Owner Occupied		Commercial Real Estate Non-owner Occupied		Construction and Land Development		Multi-Family		One-to-four Family Residential		Agricultural and Farmland		Municipal, Consumer, and Other		Total

Loan balances:
Collectively evaluated for impairment	$	398,573	$	318,669	$	932,972	$	280,254	$	544,941	$	442,029	$	274,086	$	239,364	$	3,430,888
Individually evaluated for impairment	1,187		1,765		4,122		—		—		3,434		1,165		13,648		25,321
Total	$	399,760	$	320,434	$	937,094	$	280,254	$	544,941	$	445,463	$	275,251	$	253,012	$	3,456,209

Allowance for credit losses:
Collectively evaluated for impairment	$	6,739	$	3,764	$	8,705	$	3,899	$	5,484	$	3,525	$	758	$	6,691	$	39,565
Individually evaluated for impairment	236		619		—		—		—		10		—		1,260		2,125
Total	$	6,975	$	4,383	$	8,705	$	3,899	$	5,484	$	3,535	$	758	$	7,951	$	41,690

	December 31, 2024
(dollars in thousands)	Commercial and Industrial		Commercial Real Estate Owner Occupied		Commercial Real Estate Non-owner Occupied		Construction and Land Development		Multi-Family		One-to-four Family Residential		Agricultural and Farmland		Municipal, Consumer, and Other		Total

Loan balances:
Collectively evaluated for impairment	$	427,737	$	322,159	$	884,832	$	374,408	$	431,432	$	459,790	$	293,240	$	241,765	$	3,435,363
Individually evaluated for impairment	652		157		14,733		249		92		4,178		135		10,587		30,783
Total	$	428,389	$	322,316	$	899,565	$	374,657	$	431,524	$	463,968	$	293,375	$	252,352	$	3,466,146

Allowance for credit losses:
Collectively evaluated for impairment	$	5,344	$	3,107	$	11,201	$	4,269	$	4,239	$	3,747	$	1,170	$	5,901	$	38,978
Individually evaluated for impairment	13		—		506		33		92		161		—		2,261		3,066
Total	$	5,357	$	3,107	$	11,707	$	4,302	$	4,331	$	3,908	$	1,170	$	8,162	$	42,044


	December 31, 2025
	Amortized Cost								Allowance for Credit Losses
	Primary Collateral Type
(dollars in thousands)	Real Estate		Vehicles		Other		Total

Commercial and industrial	$	—	$	362	$	825	$	1,187	$	236
Commercial real estate - owner occupied	1,765		—		—		1,765		619
Commercial real estate - non-owner occupied	4,122		—		—		4,122		—
Construction and land development	—		—		—		—		—
Multi-family	—		—		—		—		—
One-to-four family residential	3,434		—		—		3,434		10
Agricultural and farmland	736		—		429		1,165		—
Municipal, consumer, and other	9,768		—		3,880		13,648		1,260
Total	$	19,825	$	362	$	5,134	$	25,321	$	2,125

	December 31, 2024
	Amortized Cost								Allowance for Credit Losses
	Primary Collateral Type
(dollars in thousands)	Real Estate		Vehicles		Other		Total

Commercial and industrial	$	—	$	627	$	25	$	652	$	13
Commercial real estate - owner occupied	157		—		—		157		—
Commercial real estate - non-owner occupied	14,733		—		—		14,733		506
Construction and land development	249		—		—		249		33
Multi-family	92		—		—		92		92
One-to-four family residential	4,178		—		—		4,178		161
Agricultural and farmland	—		—		135		135		—
Municipal, consumer, and other	10,569		5		13		10,587		2,261
Total	$	29,978	$	632	$	173	$	30,783	$	3,066

Schedule of Gross Charge-Offs, Further Sorted by Origination Year

Gross charge-offs, further sorted by origination year, were as follows during the year ended December 31, 2025 and 2024.


	Gross Charge-Offs for the Year Ended December 31, 2025
	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
(dollars in thousands)	2025		2024		2023		2022		2021		Prior

Commercial and industrial	$	12	$	1	$	905	$	195	$	46	$	—	$	1,290	$	—	$	2,449
Commercial real estate - owner occupied	—		—		124		—		1		—		—		—		125
Commercial real estate - non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land development	—		2		—		2		—		4		—		—		8
Multi-family	—		80		—		—		—		—		—		—		80
One-to-four family residential	—		20		—		45		—		480		3		—		548
Agricultural and farmland	—		9		—		—		—		—		15		—		24
Municipal, consumer, and other	371		75		2		—		—		—		179		—		627
Total	$	383	$	187	$	1,031	$	242	$	47	$	484	$	1,487	$	—	$	3,861

	Gross Charge-Offs for the Year Ended December 31, 2024
	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
(dollars in thousands)	2024		2023		2022		2021		2020		Prior

Commercial and industrial	$	—	$	1,264	$	75	$	—	$	—	$	11	$	98	$	—	$	1,448
Commercial real estate - owner occupied	6		—		—		—		—		—		—		—		6
Commercial real estate - non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land development	—		—		—		—		—		—		—		—		—
Multi-family	—		—		—		188		—		—		—		—		188
One-to-four family residential	—		1		8		15		4		182		88		—		298
Agricultural and farmland	—		—		44		—		—		—		18		—		62
Municipal, consumer, and other	415		63		11		—		—		529		264		—		1,282
Total	$	421	$	1,328	$	138	$	203	$	4	$	722	$	468	$	—	$	3,284

Schedule of Loans by Category Based on Current Payment and Accrual Status

The following tables present loans by category based on current payment and accrual status:


	December 31, 2025
	Accruing Interest
(dollars in thousands)	Current		30 - 89 Days Past Due		90+ Days Past Due		Nonaccrual		Total Loans

Commercial and industrial	$	397,254	$	1,319	$	—	$	1,187	$	399,760
Commercial real estate - owner occupied	318,094		575		—		1,765		320,434
Commercial real estate - non-owner occupied	934,230		2,864		—		—		937,094
Construction and land development	279,980		274		—		—		280,254
Multi-family	544,941		—		—		—		544,941
One-to-four family residential	440,247		1,782		—		3,434		445,463
Agricultural and farmland	274,086		—		—		1,165		275,251
Municipal, consumer, and other	252,814		193		—		5		253,012
Total	$	3,441,646	$	7,007	$	—	$	7,556	$	3,456,209


	December 31, 2024
	Accruing Interest
(dollars in thousands)	Current		30 - 89 Days Past Due		90+ Days Past Due		Nonaccrual		Total Loans

Commercial and industrial	$	425,859	$	1,878	$	—	$	652	$	428,389
Commercial real estate - owner occupied	321,805		354		—		157		322,316
Commercial real estate - non-owner occupied	897,445		299		—		1,821		899,565
Construction and land development	373,933		475		—		249		374,657
Multi-family	431,432		—		—		92		431,524
One-to-four family residential	459,069		721		—		4,178		463,968
Agricultural and farmland	293,231		9		—		135		293,375
Municipal, consumer, and other	251,798		182		4		368		252,352
Total	$	3,454,572	$	3,918	$	4	$	7,652	$	3,466,146

Schedule of Non-Accrual Loans

The following tables present nonaccrual loans with and without a related allowance for credit losses:


	December 31, 2025
(dollars in thousands)	Nonaccrual With Allowance for Credit Losses		Nonaccrual With No Allowance for Credit Losses		Total Nonaccrual

Commercial and industrial	$	565	$	622	$	1,187
Commercial real estate - owner occupied	886		879		1,765
Commercial real estate - non-owner occupied	—		—		—
Construction and land development	—		—		—
Multi-family	—		—		—
One-to-four family residential	133		3,301		3,434
Agricultural and farmland	—		1,165		1,165
Municipal, consumer, and other	—		5		5
Total	$	1,584	$	5,972	$	7,556

	December 31, 2024
(dollars in thousands)	Nonaccrual With Allowance for Credit Losses		Nonaccrual With No Allowance for Credit Losses		Total Nonaccrual

Commercial and industrial	$	185	$	467	$	652
Commercial real estate - owner occupied	—		157		157
Commercial real estate - non-owner occupied	—		1,821		1,821
Construction and land development	216		33		249
Multi-family	92		—		92
One-to-four family residential	654		3,524		4,178
Agricultural and farmland	—		135		135
Municipal, consumer, and other	—		368		368
Total	$	1,147	$	6,505	$	7,652

Schedule of Loans by Category Risk Ratings

The following tables present loans by category based on their assigned risk ratings determined by management:


	December 31, 2025
(dollars in thousands)	Pass		Pass-Watch		Special Mention		Substandard		Total

Commercial and industrial	$	369,941	$	18,960	$	2,591	$	8,268	$	399,760
Commercial real estate - owner occupied	291,831		17,681		3,774		7,148		320,434
Commercial real estate - non-owner occupied	889,380		33,391		308		14,015		937,094
Construction and land development	269,932		540		975		8,807		280,254
Multi-family	503,133		41,808		—		—		544,941
One-to-four family residential	431,553		5,741		1,646		6,523		445,463
Agricultural and farmland	246,820		13,625		2,494		12,312		275,251
Municipal, consumer, and other	239,322		20		—		13,670		253,012
Total	$	3,241,912	$	131,766	$	11,788	$	70,743	$	3,456,209


	December 31, 2024
(dollars in thousands)	Pass		Pass-Watch		Special Mention		Substandard		Total

Commercial and industrial	$	404,779	$	16,429	$	1,957	$	5,224	$	428,389
Commercial real estate - owner occupied	297,150		14,969		2,713		7,484		322,316
Commercial real estate - non-owner occupied	843,487		21,594		—		34,484		899,565
Construction and land development	351,657		1,376		20,847		777		374,657
Multi-family	411,842		3,855		15,735		92		431,524
One-to-four family residential	448,869		6,641		710		7,748		463,968
Agricultural and farmland	269,926		18,154		521		4,774		293,375
Municipal, consumer, and other	236,686		929		4,107		10,630		252,352
Total	$	3,264,396	$	83,947	$	46,590	$	71,213	$	3,466,146

Schedule of Risk Ratings of Loans, Further Sorted by Origination Year

Risk ratings of loans, further sorted by origination year, are as follows as of December 31, 2025:


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2025		2024		2023		2022		2021		Prior
Commercial and industrial
Pass	$	45,966	$	46,995	$	39,709	$	30,655	$	7,983	$	15,680	$	171,444	$	11,509	$	369,941
Pass-Watch	457		145		1,328		254		821		12		15,847		96		18,960
Special Mention	134		—		36		331		—		—		255		1,835		2,591
Substandard	198		514		743		1,122		110		705		3,821		1,055		8,268
Total	$	46,755	$	47,654	$	41,816	$	32,362	$	8,914	$	16,397	$	191,367	$	14,495	$	399,760

Commercial real estate - owner occupied
Pass	$	53,050	$	59,585	$	20,402	$	47,115	$	43,983	$	50,548	$	16,267	$	881	$	291,831
Pass-Watch	4,739		1,352		199		1,729		1,897		681		7,084		—		17,681
Special Mention	2,274		—		—		—		—		—		1,500		—		3,774
Substandard	2,267		—		158		1,842		1,146		713		457		565		7,148
Total	$	62,330	$	60,937	$	20,759	$	50,686	$	47,026	$	51,942	$	25,308	$	1,446	$	320,434

Commercial real estate - non-owner occupied
Pass	$	224,400	$	73,631	$	93,259	$	193,916	$	189,265	$	91,394	$	21,926	$	1,589	$	889,380
Pass-Watch	7,645		5,704		391		1,693		2,898		14,314		746		—		33,391
Special Mention	—		42		—		—		266		—		—		—		308
Substandard	11,307		—		194		—		—		2,514		—		—		14,015
Total	$	243,352	$	79,377	$	93,844	$	195,609	$	192,429	$	108,222	$	22,672	$	1,589	$	937,094

Construction and land development
Pass	$	162,752	$	56,846	$	24,151	$	1,460	$	12,853	$	676	$	10,970	$	224	$	269,932
Pass-Watch	18		245		—		—		—		16		—		261		540
Special Mention	—		—		274		—		—		—		—		701		975
Substandard	—		—		—		8,758		—		49		—		—		8,807
Total	$	162,770	$	57,091	$	24,425	$	10,218	$	12,853	$	741	$	10,970	$	1,186	$	280,254

Multi-family
Pass	$	175,366	$	73,457	$	45,977	$	70,197	$	81,169	$	53,452	$	2,483	$	1,032	$	503,133
Pass-Watch	—		—		11,990		29,246		572		—		—		—		41,808
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Total	$	175,366	$	73,457	$	57,967	$	99,443	$	81,741	$	53,452	$	2,483	$	1,032	$	544,941

One-to-four family residential
Pass	$	75,509	$	25,965	$	65,431	$	69,197	$	56,878	$	71,763	$	61,555	$	5,255	$	431,553
Pass-Watch	151		146		632		761		1,089		2,498		233		231		5,741
Special Mention	31		—		598		902		—		—		—		115		1,646
Substandard	435		187		484		353		279		4,486		22		277		6,523
Total	$	76,126	$	26,298	$	67,145	$	71,213	$	58,246	$	78,747	$	61,810	$	5,878	$	445,463

Agricultural and farmland
Pass	$	47,469	$	28,223	$	27,972	$	15,041	$	25,152	$	20,220	$	82,342	$	401	$	246,820
Pass-Watch	2,367		513		1,047		2,066		868		805		5,878		81		13,625
Special Mention	1,253		—		8		—		5		—		1,148		80		2,494
Substandard	600		331		2,325		1,819		903		3,094		1,687		1,553		12,312
Total	$	51,689	$	29,067	$	31,352	$	18,926	$	26,928	$	24,119	$	91,055	$	2,115	$	275,251


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2025		2024		2023		2022		2021		Prior
Municipal, consumer, and other
Pass	$	58,427	$	25,595	$	17,346	$	17,779	$	21,868	$	43,957	$	54,349	$	1	$	239,322
Pass-Watch	17		—		—		—		—		1		2		—		20
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	7		5		3		1		9		13,643		2		—		13,670
Total	$	58,451	$	25,600	$	17,349	$	17,780	$	21,877	$	57,601	$	54,353	$	1	$	253,012

Total by risk rating
Pass	$	842,939	$	390,297	$	334,247	$	445,360	$	439,151	$	347,690	$	421,336	$	20,892	$	3,241,912
Pass-Watch	15,394		8,105		15,587		35,749		8,145		18,327		29,790		669		131,766
Special Mention	3,692		42		916		1,233		271		—		2,903		2,731		11,788
Substandard	14,814		1,037		3,907		13,895		2,447		25,204		5,989		3,450		70,743
Total	$	876,839	$	399,481	$	354,657	$	496,237	$	450,014	$	391,221	$	460,018	$	27,742	$	3,456,209

Risk ratings of loans, further sorted by origination year, are as follows as of December 31, 2024:


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2024		2023		2022		2021		2020		Prior
Commercial and industrial
Pass	$	46,635	$	43,007	$	44,701	$	11,617	$	17,913	$	41,397	$	197,516	$	1,993	$	404,779
Pass-Watch	475		1,310		186		1,121		—		1,775		10,613		949		16,429
Special Mention	—		281		272		173		—		—		1,231		—		1,957
Substandard	—		1,913		1,016		721		—		—		939		635		5,224
Total	$	47,110	$	46,511	$	46,175	$	13,632	$	17,913	$	43,172	$	210,299	$	3,577	$	428,389

Commercial real estate - owner occupied
Pass	$	63,546	$	23,607	$	56,509	$	48,867	$	39,679	$	44,108	$	19,766	$	1,068	$	297,150
Pass-Watch	6,478		395		3,698		2,111		542		1,374		371		—		14,969
Special Mention	1,877		—		—		150		—		—		686		—		2,713
Substandard	819		700		506		3,707		1,241		511		—		—		7,484
Total	$	72,720	$	24,702	$	60,713	$	54,835	$	41,462	$	45,993	$	20,823	$	1,068	$	322,316

Commercial real estate - non-owner occupied
Pass	$	92,125	$	108,688	$	245,168	$	222,479	$	84,054	$	65,935	$	23,425	$	1,613	$	843,487
Pass-Watch	3,173		421		6,656		4,031		2,442		4,871		—		—		21,594
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	23,245		9,191		—		—		—		2,048		—		—		34,484
Total	$	118,543	$	118,300	$	251,824	$	226,510	$	86,496	$	72,854	$	23,425	$	1,613	$	899,565

Construction and land development
Pass	$	181,274	$	73,773	$	65,045	$	21,542	$	590	$	693	$	8,228	$	512	$	351,657
Pass-Watch	—		—		—		—		—		18		697		661		1,376
Special Mention	—		—		8,750		12,097		—		—		—		—		20,847
Substandard	475		—		216		—		—		86		—		—		777
Total	$	181,749	$	73,773	$	74,011	$	33,639	$	590	$	797	$	8,925	$	1,173	$	374,657

Multi-family
Pass	$	46,969	$	80,450	$	88,823	$	101,284	$	50,652	$	40,839	$	2,375	$	450	$	411,842
Pass-Watch	2,791		—		567		—		—		492		—		5		3,855
Special Mention	6,936		—		—		—		8,799		—		—		—		15,735
Substandard	92		—		—		—		—		—		—		—		92
Total	$	56,788	$	80,450	$	89,390	$	101,284	$	59,451	$	41,331	$	2,375	$	455	$	431,524

One-to-four family residential
Pass	$	44,914	$	87,184	$	79,834	$	71,466	$	57,258	$	43,455	$	59,446	$	5,312	$	448,869
Pass-Watch	1,126		1,271		936		242		405		2,252		134		275		6,641
Special Mention	—		—		—		592		118		—		—		—		710
Substandard	281		522		861		473		382		4,824		16		389		7,748
Total	$	46,321	$	88,977	$	81,631	$	72,773	$	58,163	$	50,531	$	59,596	$	5,976	$	463,968

Agricultural and farmland
Pass	$	42,272	$	35,593	$	32,146	$	28,714	$	27,865	$	7,656	$	94,977	$	703	$	269,926
Pass-Watch	100		2,671		1,424		1,403		508		861		10,633		554		18,154
Special Mention	134		87		—		—		—		—		300		—		521
Substandard	332		51		494		9		3,183		—		319		386		4,774
Total	$	42,838	$	38,402	$	34,064	$	30,126	$	31,556	$	8,517	$	106,229	$	1,643	$	293,375


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2024		2023		2022		2021		2020		Prior
Municipal, consumer, and other
Pass	$	77,779	$	37,678	$	14,475	$	23,204	$	12,479	$	37,460	$	33,611	$	—	$	236,686
Pass-Watch	103		50		6		12		—		757		1		—		929
Special Mention	—		—		—		—		—		4,107		—		—		4,107
Substandard	21		5		33		—		—		10,570		1		—		10,630
Total	$	77,903	$	37,733	$	14,514	$	23,216	$	12,479	$	52,894	$	33,613	$	—	$	252,352

Total by risk rating
Pass	$	595,514	$	489,980	$	626,701	$	529,173	$	290,490	$	281,543	$	439,344	$	11,651	$	3,264,396
Pass-Watch	14,246		6,118		13,473		8,920		3,897		12,400		22,449		2,444		83,947
Special Mention	8,947		368		9,022		13,012		8,917		4,107		2,217		—		46,590
Substandard	25,265		12,382		3,126		4,910		4,806		18,039		1,275		1,410		71,213
Total	$	643,972	$	508,848	$	652,322	$	556,015	$	308,110	$	316,089	$	465,285	$	15,505	$	3,466,146

DEPOSITS - Scheduled Maturities Of Time Deposits (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Deposits [Abstract]
2026	$ 708,504
2027	42,744
2028	6,192
2029	2,646
2030	2,240
Thereafter	161
Total	$ 762,487

FORECLOSED ASSETS - Additional Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2025 USD ($) loan	Dec. 31, 2024 USD ($) loan	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
FORECLOSED ASSETS
Carrying value of foreclosed asset	$ 1,126	$ 367	$ 852	$ 3,030
One-to-four family residential real estate property
FORECLOSED ASSETS
Carrying value of foreclosed asset	$ 900	$ 300
Number of loans in the process of foreclosure \| loan	3	19
Loan amount in the process of foreclosure	$ 200	$ 1,800

SUBORDINATED NOTES - Schedule of Face Value Carrying Value of Subordinated Notes (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Sep. 15, 2025	Dec. 31, 2024	Sep. 03, 2020
SUBORDINATED NOTES
Subordinated notes, at carrying value	$ 0		$ 39,553
Subordinated notes
SUBORDINATED NOTES
Subordinated notes, at face value	0	$ 40,000	40,000	$ 40,000
Unamortized issuance costs	0		(447)
Subordinated notes, at carrying value	$ 0		$ 39,553

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

CONDENSED PARENT COMPANY ONLY FINANCIAL STATEMENTS - Condensed Parent Company Only Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 122,269	$ 137,692
Other assets	33,877	46,280
Total assets	5,071,390	5,032,902
LIABILITIES
Subordinated notes	0	39,553
Junior subordinated debentures	52,909	52,849
Other liabilities	31,419	35,441
Total liabilities	4,455,892	4,488,297
Stockholders’ equity	615,498	544,605	$ 489,496	$ 373,632
Total liabilities and stockholders’ equity	5,071,390	5,032,902
Reportable Legal Entities \| Consolidated HBT Financial, Inc.
ASSETS
Cash and cash equivalents	11,850	16,179
Bank	654,269	618,914
Non-bank	1,614	1,614
Other assets	1,879	1,929
Total assets	669,612	638,636
LIABILITIES
Subordinated notes	0	39,553
Junior subordinated debentures	52,909	52,849
Other liabilities	1,205	1,629
Total liabilities	54,114	94,031
Stockholders’ equity	615,498	544,605
Total liabilities and stockholders’ equity	$ 669,612	$ 638,636

INCOME TAXES - Narrative (Details) - USD ($)	12 Months Ended
INCOME TAXES - Narrative (Details) - USD ($)	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Income Tax Contingency [Line Items]
Foreign income tax expense	$ 0	$ 0	$ 0
Net operating loss carryforward	62,000	$ 99,000
Illinois Department Of Revenue
Income Tax Contingency [Line Items]
Net operating loss carryforward	$ 800,000

CONDENSED PARENT COMPANY ONLY FINANCIAL STATEMENTS

12 Months Ended

Dec. 31, 2025

Condensed Financial Information Disclosure [Abstract]

CONDENSED PARENT COMPANY ONLY FINANCIAL STATEMENTS

Following are the condensed parent company only financial statements of HBT Financial.


Condensed Parent Company Only Balance Sheets

(dollars in thousands)	December 31, 2025		December 31, 2024

ASSETS
Cash and cash equivalents	$	11,850	$	16,179
Investment in subsidiaries:
Bank	654,269		618,914
Non-bank	1,614		1,614
Other assets	1,879		1,929
Total assets	$	669,612	$	638,636

LIABILITIES
Subordinated notes	$	—	$	39,553
Junior subordinated debentures	52,909		52,849
Other liabilities	1,205		1,629
Total liabilities	54,114		94,031

STOCKHOLDERS' EQUITY	615,498		544,605
Total liabilities and stockholders' equity	$	669,612	$	638,636


Condensed Parent Company Only Statements of Income

	Year ended December 31,
(dollars in thousands)	2025		2024		2023

INCOME
Dividends received from bank subsidiary	$	72,500	$	34,000	$	64,000
Undistributed earnings from bank subsidiary	11,846		44,684		9,199
Other income	146		183		870
Total income	84,492		78,867		74,069

EXPENSES
Interest expense	4,975		5,729		5,409
Other expense	5,364		4,106		5,517
Total expenses	10,339		9,835		10,926
INCOME BEFORE INCOME TAX BENEFIT	74,153		69,032		63,143
TAX BENEFIT	(2,855)		(2,748)		(2,699)
NET INCOME	$	77,008	$	71,780	$	65,842


Consolidated Parent Company Only Statements of Cash Flow

	Year ended December 31,
(dollars in thousands)	2025		2024		2023

CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$	77,008	$	71,780	$	65,842
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings of consolidated subsidiaries	(11,846)		(44,684)		(9,199)
Stock-based compensation	1,943		1,752		1,953
Loss on extinguishment of subordinated debt	391		—		—
Amortization of discount and issuance costs on subordinated notes and debentures	116		139		139
Net gain on sale of foreclosed assets	—		—		(563)
Changes in other assets and liabilities, net	(136)		(1,105)		360
Net cash provided by operating activities	67,476		27,882		58,532


CASH FLOWS FROM INVESTING ACTIVITIES

Proceeds from sales of equity securities	—		20		—


Proceeds from sale of foreclosed assets	—		—		2,888

Net cash paid for acquisition of Town and Country	—		—		(37,523)
Net cash provided by (used in) investing activities	—		20		(34,635)


CASH FLOWS FROM FINANCING ACTIVITIES


Repayment of subordinated notes	(40,000)		—		—
Taxes paid related to the vesting of restricted stock units	(691)		(331)		(181)
Repurchase of common stock	(4,505)		(4,423)		(8,907)
Cash dividends and dividend equivalents paid	(26,609)		(24,183)		(21,873)
Net cash used in financing activities	(71,805)		(28,937)		(30,961)

NET DECREASE IN CASH AND EQUIVALENTS	(4,329)		(1,035)		(7,064)
CASH AND CASH EQUIVALENTS
Beginning of year	16,179		17,214		24,278
End of year	$	11,850	$	16,179	$	17,214

FAIR VALUE OF FINANCIAL INSTRUMENTS - Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	$ 813,101	$ 698,049
Equity securities with readily determinable fair values	3,322	3,315
Mortgage servicing rights	16,944	18,827	$ 19,001	$ 10,147
U.S. Treasury
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	85,544	111,145
U.S. government agency
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	41,422	53,198
Municipal
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	140,270	130,679
Agency residential
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	360,795	227,368
Agency commercial
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	119,937	116,681
Corporate
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	65,133	58,978
Fair Value, Recurring
FAIR VALUE OF FINANCIAL INSTRUMENTS
Equity securities with readily determinable fair values	3,322	3,315
Mortgage servicing rights	16,944	18,827
Derivative financial assets	$ 2,990	$ 5,553
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative financial liabilities	$ 3,000	$ 5,525
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Fair Value, Recurring \| U.S. Treasury
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	$ 85,544	$ 111,145
Fair Value, Recurring \| U.S. government agency
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	41,422	53,198
Fair Value, Recurring \| Municipal
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	140,270	130,679
Fair Value, Recurring \| Agency residential
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	360,795	227,368
Fair Value, Recurring \| Agency commercial
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	119,937	116,681
Fair Value, Recurring \| Corporate
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	65,133	58,978
Fair Value, Recurring \| Level 1 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Equity securities with readily determinable fair values	3,322	3,315
Mortgage servicing rights	0	0
Derivative financial assets	0	0
Derivative financial liabilities	0	0
Fair Value, Recurring \| Level 1 Inputs \| U.S. Treasury
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 1 Inputs \| U.S. government agency
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 1 Inputs \| Municipal
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 1 Inputs \| Agency residential
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 1 Inputs \| Agency commercial
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 1 Inputs \| Corporate
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 2 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Equity securities with readily determinable fair values	0	0
Mortgage servicing rights	0	0
Derivative financial assets	2,990	5,553
Derivative financial liabilities	3,000	5,525
Fair Value, Recurring \| Level 2 Inputs \| U.S. Treasury
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	85,544	111,145
Fair Value, Recurring \| Level 2 Inputs \| U.S. government agency
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	41,422	53,198
Fair Value, Recurring \| Level 2 Inputs \| Municipal
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	140,270	130,679
Fair Value, Recurring \| Level 2 Inputs \| Agency residential
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	360,795	227,368
Fair Value, Recurring \| Level 2 Inputs \| Agency commercial
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	119,937	116,681
Fair Value, Recurring \| Level 2 Inputs \| Corporate
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	65,133	58,978
Fair Value, Recurring \| Level 3 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Equity securities with readily determinable fair values	0	0
Mortgage servicing rights	16,944	18,827
Derivative financial assets	0	0
Derivative financial liabilities	0	0
Fair Value, Recurring \| Level 3 Inputs \| U.S. Treasury
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 3 Inputs \| U.S. government agency
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 3 Inputs \| Municipal
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 3 Inputs \| Agency residential
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 3 Inputs \| Agency commercial
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	0	0
Fair Value, Recurring \| Level 3 Inputs \| Corporate
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	$ 0	$ 0

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans and the Related Allowance for Credit Losses by Category (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Jan. 01, 2023	Dec. 31, 2022
Loan balances:
Collectively evaluated for impairment	$ 3,430,888	$ 3,435,363
Individually evaluated for impairment	25,321	30,783
Total	3,456,209	3,466,146
Allowance for credit losses:
Collectively evaluated for impairment	39,565	38,978
Individually evaluated for impairment	2,125	3,066
Total	41,690	42,044	$ 40,048	$ 25,333	$ 25,333
Commercial and industrial
Loan balances:
Collectively evaluated for impairment	398,573	427,737
Individually evaluated for impairment	1,187	652
Total	399,760	428,389
Allowance for credit losses:
Collectively evaluated for impairment	6,739	5,344
Individually evaluated for impairment	236	13
Total	6,975	5,357	4,980		3,279
Commercial real estate - owner occupied
Loan balances:
Collectively evaluated for impairment	318,669	322,159
Individually evaluated for impairment	1,765	157
Total	320,434	322,316
Allowance for credit losses:
Collectively evaluated for impairment	3,764	3,107
Individually evaluated for impairment	619	0
Total	4,383	3,107	2,272		1,193
Commercial real estate - non-owner occupied
Loan balances:
Collectively evaluated for impairment	932,972	884,832
Individually evaluated for impairment	4,122	14,733
Total	937,094	899,565
Allowance for credit losses:
Collectively evaluated for impairment	8,705	11,201
Individually evaluated for impairment	0	506
Total	8,705	11,707	7,714		6,721
Construction and land development
Loan balances:
Collectively evaluated for impairment	280,254	374,408
Individually evaluated for impairment	0	249
Total	280,254	374,657
Allowance for credit losses:
Collectively evaluated for impairment	3,899	4,269
Individually evaluated for impairment	0	33
Total	3,899	4,302	5,998		4,223
Multi-family
Loan balances:
Collectively evaluated for impairment	544,941	431,432
Individually evaluated for impairment	0	92
Total	544,941	431,524
Allowance for credit losses:
Collectively evaluated for impairment	5,484	4,239
Individually evaluated for impairment	0	92
Total	5,484	4,331	3,837		1,472
One-to-four family residential
Loan balances:
Collectively evaluated for impairment	442,029	459,790
Individually evaluated for impairment	3,434	4,178
Total	445,463	463,968
Allowance for credit losses:
Collectively evaluated for impairment	3,525	3,747
Individually evaluated for impairment	10	161
Total	3,535	3,908	5,204		1,759
Agricultural and farmland
Loan balances:
Collectively evaluated for impairment	274,086	293,240
Individually evaluated for impairment	1,165	135
Total	275,251	293,375
Allowance for credit losses:
Collectively evaluated for impairment	758	1,170
Individually evaluated for impairment	0	0
Total	758	1,170	975		796
Municipal, consumer, and other
Loan balances:
Collectively evaluated for impairment	239,364	241,765
Individually evaluated for impairment	13,648	10,587
Total	253,012	252,352
Allowance for credit losses:
Collectively evaluated for impairment	6,691	5,901
Individually evaluated for impairment	1,260	2,261
Total	$ 7,951	$ 8,162	$ 9,068		$ 5,890

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)

12 Months Ended

Dec. 31, 2025

Fair Value Disclosures [Abstract]

Schedule of Assets Measured at Fair Value on a Recurring Basis

The following tables summarize assets and liabilities measured at fair value on a recurring basis as of December 31, 2025 and 2024 by level within the fair value hierarchy:


	December 31, 2025
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Debt securities available-for-sale:
U.S. Treasury	$	—	$	85,544	$	—	$	85,544
U.S. government agency	—		41,422		—		41,422
Municipal	—		140,270		—		140,270
Mortgage-backed:
Agency residential	—		360,795		—		360,795
Agency commercial	—		119,937		—		119,937
Corporate	—		65,133		—		65,133
Equity securities with readily determinable fair values	3,322		—		—		3,322
Mortgage servicing rights	—		—		16,944		16,944
Derivative financial assets	—		2,990		—		2,990
Derivative financial liabilities	—		3,000		—		3,000


	December 31, 2024
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Debt securities available-for-sale:
U.S. Treasury	$	—	$	111,145	$	—	$	111,145
U.S. government agency	—		53,198		—		53,198
Municipal	—		130,679		—		130,679
Mortgage-backed:
Agency residential	—		227,368		—		227,368
Agency commercial	—		116,681		—		116,681
Corporate	—		58,978		—		58,978
Equity securities with readily determinable fair values	3,315		—		—		3,315
Mortgage servicing rights	—		—		18,827		18,827
Derivative financial assets	—		5,553		—		5,553
Derivative financial liabilities	—		5,525		—		5,525

Schedule of Additional Information About the Unobservable Inputs Used in Fair Value Measurement of Mortgage Servicing Rights

The following tables present additional information about the unobservable inputs used in the fair value measurement of the mortgage servicing rights (dollars in thousands):

December 31, 2025

Fair Value

Valuation Technique

Unobservable Inputs

Range
(Weighted Average)

Mortgage servicing rights

16,944

Discounted cash flows

Constant pre-payment rates (CPR)

4.9% to 94.3% (8.1%)

Discount rate

9.0% to 11.0% (9.6%)

December 31, 2024

Fair Value

Valuation Technique

Unobservable Inputs

Range
(Weighted Average)

Mortgage servicing rights

18,827

Discounted cash flows

Constant pre-payment rates (CPR)

0.8% to 94.3% (7.6%)

Discount rate

9.0% to 96.4% (10.4%)

Schedule of Assets Measured at Fair Value on a Nonrecurring Basis

The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, 2025 and 2024 by level within the fair value hierarchy:


	December 31, 2025
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Loans held for sale	$	—	$	1,263	$	—	$	1,263
Collateral-dependent loans	—		—		23,196		23,196

Foreclosed assets	—		—		1,126		1,126


	December 31, 2024
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Loans held for sale	$	—	$	1,586	$	—	$	1,586
Collateral-dependent loans	—		—		27,717		27,717
Bank premises held for sale	—		—		317		317
Foreclosed assets	—		—		367		367

Schedule of Quantitative Information About the Unobservable Inputs Used in Non-Recurring Level 3 Fair Value Measurements

The following tables present quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements (dollars in thousands):

December 31, 2025

Fair Value

Valuation
Technique

Unobservable Inputs

Range
(Weighted Average)

Collateral-dependent loans

23,196

Appraisal of collateral

Appraisal adjustments

Not meaningful

Foreclosed assets

1,126

Appraisal

Appraisal adjustments

7% (7%)

December 31, 2024

Fair Value

Valuation Technique

Unobservable Inputs

Range

(Weighted Average)

Collateral-dependent loans

27,717

Appraisal of collateral

Appraisal adjustments

Not meaningful

Bank premises held for sale

317

Appraisal

Appraisal adjustments

7% (7%)

Foreclosed assets

367

Appraisal

Appraisal adjustments

7% (7%)

Schedule of Information on the Carrying Amounts and Estimated Fair Values of the Company's Financial Instruments

The following table provides summary information on the carrying amounts and estimated fair values of the Company’s other financial instruments:


(dollars in thousands)	Fair Value Hierarchy Level	December 31, 2025				December 31, 2024
		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value

Financial assets:
Cash and cash equivalents	Level 1	$	122,269	$	122,269	$	137,692	$	137,692
Debt securities held-to-maturity	Level 2	458,746		426,799		499,858		445,186
Restricted stock	Level 3	4,979		4,979		5,086		5,086
Loans, net	Level 3	3,414,519		3,379,845		3,424,102		3,418,318
Investments in unconsolidated subsidiaries	Level 3	1,614		1,614		1,614		1,614
Accrued interest receivable	Level 2	23,779		23,779		24,770		24,770

Financial liabilities:
Time deposits	Level 3	762,487		759,589		785,430		779,997

Securities sold under agreements to repurchase	Level 2	—		—		28,969		28,969
FHLB advances	Level 3	12,301		11,465		13,231		13,159
Subordinated notes	Level 3	—		—		39,553		38,316
Junior subordinated debentures	Level 3	52,909		51,696		52,849		47,942
Accrued interest payable	Level 2	3,813		3,813		5,096		5,096

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Cumulative effect of change in accounting principle	Common Stock	Surplus	Retained Earnings	Retained Earnings Cumulative effect of change in accounting principle	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Beginning balance (in shares) at Dec. 31, 2022			28,752,626
Beginning balance at Dec. 31, 2022	$ 373,632	$ (6,922)	$ 293	$ 222,783	$ 232,004	$ (6,922)	$ (71,759)	$ (9,689)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	65,842				65,842
Other comprehensive income	14,596						14,596
Stock-based compensation	1,953			1,953
Issuance of common stock upon vesting of restricted stock units, net of tax withholdings (in shares)			43,607
Issuance of common stock upon vesting of restricted stock units, net of tax withholdings	(181)			(181)
Issuance of common stock in Town and Country acquisition (in shares)			3,378,600
Issuance of common stock in Town and Country acquisition	71,356		$ 34	71,322
Repurchase of common stock (in shares)			(479,005)
Repurchase of common stock	(8,907)							(8,907)
Cash dividends and dividend equivalents	(21,873)				(21,873)
Ending balance (in shares) at Dec. 31, 2023			31,695,828
Ending balance at Dec. 31, 2023	489,496	$ 116	$ 327	295,877	269,051	$ 116	(57,163)	(18,596)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	71,780				71,780
Other comprehensive income	10,398						10,398
Stock-based compensation	1,752			1,752
Issuance of common stock upon vesting of restricted stock units, net of tax withholdings (in shares)			96,341
Issuance of common stock upon vesting of restricted stock units, net of tax withholdings	(331)		$ 1	(332)
Repurchase of common stock (in shares)			(232,803)
Repurchase of common stock	(4,423)							(4,423)
Cash dividends and dividend equivalents	$ (24,183)				(24,183)
Ending balance (in shares) at Dec. 31, 2024	31,559,366		31,559,366
Ending balance at Dec. 31, 2024	$ 544,605		$ 328	297,297	316,764		(46,765)	(23,019)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	77,008				77,008
Other comprehensive income	23,747						23,747
Stock-based compensation	1,943			1,943
Issuance of common stock upon vesting of restricted stock units, net of tax withholdings (in shares)			72,065
Issuance of common stock upon vesting of restricted stock units, net of tax withholdings	(691)		$ 1	(692)
Repurchase of common stock (in shares)			(199,507)
Repurchase of common stock	(4,505)							(4,505)
Cash dividends and dividend equivalents	$ (26,609)				(26,609)
Ending balance (in shares) at Dec. 31, 2025	31,431,924		31,431,924
Ending balance at Dec. 31, 2025	$ 615,498		$ 329	$ 298,548	$ 367,163		$ (23,018)	$ (27,524)

FAIR VALUE OF FINANCIAL INSTRUMENTS

12 Months Ended

Dec. 31, 2025

Fair Value Disclosures [Abstract]

FAIR VALUE OF FINANCIAL INSTRUMENTS

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:

Level 1 - Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Company has the ability to access as of the measurement date.

Level 2 - Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data.

Level 3 - Significant unobservable inputs that reflect a Company’s own assumptions about the assumptions that market participants would use in pricing as asset or liability.

The Company uses fair value to measure certain assets and liabilities on a recurring basis, such as investment securities, mortgage servicing rights, and derivatives. For assets measured at the lower of cost or fair value, the fair value measurement criteria may or may not be met during a reporting period, and such measurements are therefore considered "nonrecurring" for purposes of disclosing the Company's fair value measurements. Fair value is used on a nonrecurring basis to adjust carrying values for loans held for sale, collateral-dependent loans, bank premises held for sale, and foreclosed assets.

Recurring Basis

The following is a description of the methods and significant assumptions used to measure the fair value of assets and liabilities on a recurring basis.

Investment Securities

When available, the Company uses quoted market prices to determine the fair value of securities; such items are classified in Level 1 of the fair value hierarchy. For the Company’s securities where quoted prices are not available for identical securities in an active market, the Company determines fair value utilizing vendors who apply matrix pricing for similar bonds where no price is observable or may compile prices from various sources. These models are primarily industry-standard models that consider various assumptions, including time value, yield curve, volatility factors, prepayment speeds, default rates, loss severity, current market and contractual prices for the underlying financial instruments, as well as other relevant economic measures. Substantially all of these assumptions are observable in the marketplace. Fair values from these models are verified, where possible, against quoted market prices for recent trading activity of assets with similar characteristics to the security being valued. Such methods are generally classified as Level 2; however, when prices from independent sources vary, cannot be obtained or cannot be corroborated, a security is generally classified as Level 3. The change in fair value of debt securities available-for-sale is recorded through an adjustment to the consolidated statement of comprehensive income. The change in fair value of equity securities with readily determinable fair values is recorded through an adjustment to the consolidated statement of income.

Mortgage Servicing Rights

The Company has elected to record its mortgage servicing rights at fair value. Mortgage servicing rights do not trade in an active market with readily observable prices. Accordingly, the Company determines the fair value of mortgage servicing rights by estimating the fair value of the future cash flows associated with the mortgage loans being serviced as calculated by an independent third party. Key economic assumptions used in measuring the fair value of mortgage servicing rights include, but are not limited to, prepayment speeds and discount rates. Due to the nature of the valuation inputs, mortgage servicing rights are classified as Level 3. The change in fair value is recorded through an adjustment to the consolidated statement of income.

Derivative Financial Instruments

Derivative financial instruments are carried at fair value as determined by dealer valuation models. Based on the inputs used, the derivative financial instruments subjected to recurring fair value adjustments are classified as Level 2. For derivative financial instruments designated as hedging instruments, the change in fair value is recorded through an adjustment to the consolidated statement of comprehensive income. For derivative financial instruments not designated as hedging instruments, the change in fair value is recorded through an adjustment to the consolidated statement of income.

The following tables summarize assets and liabilities measured at fair value on a recurring basis as of December 31, 2025 and 2024 by level within the fair value hierarchy:


	December 31, 2025
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Debt securities available-for-sale:
U.S. Treasury	$	—	$	85,544	$	—	$	85,544
U.S. government agency	—		41,422		—		41,422
Municipal	—		140,270		—		140,270
Mortgage-backed:
Agency residential	—		360,795		—		360,795
Agency commercial	—		119,937		—		119,937
Corporate	—		65,133		—		65,133
Equity securities with readily determinable fair values	3,322		—		—		3,322
Mortgage servicing rights	—		—		16,944		16,944
Derivative financial assets	—		2,990		—		2,990
Derivative financial liabilities	—		3,000		—		3,000


	December 31, 2024
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Debt securities available-for-sale:
U.S. Treasury	$	—	$	111,145	$	—	$	111,145
U.S. government agency	—		53,198		—		53,198
Municipal	—		130,679		—		130,679
Mortgage-backed:
Agency residential	—		227,368		—		227,368
Agency commercial	—		116,681		—		116,681
Corporate	—		58,978		—		58,978
Equity securities with readily determinable fair values	3,315		—		—		3,315
Mortgage servicing rights	—		—		18,827		18,827
Derivative financial assets	—		5,553		—		5,553
Derivative financial liabilities	—		5,525		—		5,525

The following tables present additional information about the unobservable inputs used in the fair value measurement of the mortgage servicing rights (dollars in thousands):

December 31, 2025

Fair Value

Valuation Technique

Unobservable Inputs

Range
(Weighted Average)

Mortgage servicing rights

16,944

Discounted cash flows

Constant pre-payment rates (CPR)

4.9% to 94.3% (8.1%)

Discount rate

9.0% to 11.0% (9.6%)

December 31, 2024

Fair Value

Valuation Technique

Unobservable Inputs

Range
(Weighted Average)

Mortgage servicing rights

18,827

Discounted cash flows

Constant pre-payment rates (CPR)

0.8% to 94.3% (7.6%)

Discount rate

9.0% to 96.4% (10.4%)

Nonrecurring Basis

The following is a description of the methods and significant assumptions used to measure the fair value of assets and liabilities on a nonrecurring basis.

Loans Held for Sale

Mortgage loans originated and held for sale are carried at the lower of cost or estimated fair value. The Company obtains quotes or bids on these loans directly from purchasing financial institutions. Typically, these quotes include a premium on the sale and thus these quotes generally indicate fair value of the held for sale loans is greater than cost. Loans held for sale have been classified as Level 2.

Collateral-Dependent Loans

Periodically, a collateral-dependent loan is evaluated individually and is reported at the fair value of the underlying collateral, less estimated costs to sell, if repayment is expected solely from the collateral. If the collateral value is not sufficient, a specific reserve is recorded. Collateral values are estimated using recent appraisals and customized discounting criteria. Due to the significance of unobservable inputs, fair values of collateral-dependent loans have been classified as Level 3.

Bank Premises Held for Sale

Bank premises held for sale are recorded at the lower of cost or fair value, less estimated selling costs, at the date classified as held for sale. Values are estimated using recent appraisals and customized discounting criteria. Due to the significance of unobservable inputs, fair values of bank premises held for sale have been classified as Level 3.

Foreclosed Assets

Foreclosed assets are recorded at fair value based on property appraisals, less estimated selling costs, at the date of the transfer. Subsequent to the transfer, foreclosed assets are carried at the lower of cost or fair value, less estimated selling costs. Values are estimated using recent appraisals and customized discounting criteria. Due to the significance of unobservable inputs, fair values of foreclosed assets have been classified as Level 3.

The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, 2025 and 2024 by level within the fair value hierarchy:


	December 31, 2025
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Loans held for sale	$	—	$	1,263	$	—	$	1,263
Collateral-dependent loans	—		—		23,196		23,196

Foreclosed assets	—		—		1,126		1,126


	December 31, 2024
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Loans held for sale	$	—	$	1,586	$	—	$	1,586
Collateral-dependent loans	—		—		27,717		27,717
Bank premises held for sale	—		—		317		317
Foreclosed assets	—		—		367		367

The following tables present quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements (dollars in thousands):

December 31, 2025

Fair Value

Valuation
Technique

Unobservable Inputs

Range
(Weighted Average)

Collateral-dependent loans

23,196

Appraisal of collateral

Appraisal adjustments

Not meaningful

Foreclosed assets

1,126

Appraisal

Appraisal adjustments

7% (7%)

December 31, 2024

Fair Value

Valuation Technique

Unobservable Inputs

Range

(Weighted Average)

Collateral-dependent loans

27,717

Appraisal of collateral

Appraisal adjustments

Not meaningful

Bank premises held for sale

317

Appraisal

Appraisal adjustments

7% (7%)

Foreclosed assets

367

Appraisal

Appraisal adjustments

7% (7%)

Other Fair Value Methods

The following methods and assumptions were used by the Company in estimating fair value disclosures of its other financial instruments.

Cash and Cash Equivalents

The carrying amounts of these financial instruments approximate their fair values.

Restricted Stock

The carrying amount of FHLB stock approximates fair value based on the redemption provisions of the FHLB.

Loans

The fair value estimation process for the loan portfolio uses an exit price concept and reflects discounts the Company believes are consistent with discounts in the marketplace. Fair values are estimated for portfolios of

loans with similar characteristics. Loans are segregated by type such as commercial and industrial, agricultural and farmland, commercial real estate – owner occupied, commercial real estate – non-owner occupied, multi-family, construction and land development, one-to-four family residential, and municipal, consumer, and other. The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for similar maturities. The fair value analysis also includes other assumptions to estimate fair value, intended to approximate those a market participant would use in an orderly transaction, with adjustments for discount rates, interest rates, liquidity, and credit spreads, as appropriate.

Investments in Unconsolidated Subsidiaries

The fair values of the Company’s investments in unconsolidated subsidiaries are presumed to approximate carrying amounts.

Time Deposits

Fair values of certificates of deposit with stated maturities have been estimated using the present value of estimated future cash flows discounted at rates currently offered for similar instruments. Time deposits also include public funds time deposits.

Securities Sold Under Agreements to Repurchase

The fair values of repurchase agreements with variable interest rates are presumed to approximate their recorded carrying amounts.

FHLB Advances

The fair values of FHLB advances are estimated using discounted cash flow analyses based on current rates offered for borrowings with similar remaining maturities and characteristics.

Subordinated Notes

The fair values of subordinated notes are estimated using discounted cash flow analyses based on rates observed on recent debt issuances by other financial institutions.

Junior Subordinated Debentures

The fair values of subordinated debentures are estimated using discounted cash flow analyses based on rates observed on recent debt issuances by other financial institutions.

Accrued Interest

The carrying amounts of accrued interest approximate fair value.

The following table provides summary information on the carrying amounts and estimated fair values of the Company’s other financial instruments:


(dollars in thousands)	Fair Value Hierarchy Level	December 31, 2025				December 31, 2024
		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value

Financial assets:
Cash and cash equivalents	Level 1	$	122,269	$	122,269	$	137,692	$	137,692
Debt securities held-to-maturity	Level 2	458,746		426,799		499,858		445,186
Restricted stock	Level 3	4,979		4,979		5,086		5,086
Loans, net	Level 3	3,414,519		3,379,845		3,424,102		3,418,318
Investments in unconsolidated subsidiaries	Level 3	1,614		1,614		1,614		1,614
Accrued interest receivable	Level 2	23,779		23,779		24,770		24,770

Financial liabilities:
Time deposits	Level 3	762,487		759,589		785,430		779,997

Securities sold under agreements to repurchase	Level 2	—		—		28,969		28,969
FHLB advances	Level 3	12,301		11,465		13,231		13,159
Subordinated notes	Level 3	—		—		39,553		38,316
Junior subordinated debentures	Level 3	52,909		51,696		52,849		47,942
Accrued interest payable	Level 2	3,813		3,813		5,096		5,096

The Company estimated the fair value of lending related commitments as described in Note 23 to be immaterial based on limited interest rate exposure due to their variable nature, short-term commitment periods, and termination clauses provided in the agreements.

Limitations

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair values have been estimated using data which management considered the best available and estimation methodologies deemed suitable for the pertinent category of financial instrument.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

FAIR VALUE OF FINANCIAL INSTRUMENTS - Mortgage Servicing Rights (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
FAIR VALUE OF FINANCIAL INSTRUMENTS
Mortgage servicing rights, at fair value	$ 16,944	$ 18,827	$ 19,001	$ 10,147
Fair Value, Recurring
FAIR VALUE OF FINANCIAL INSTRUMENTS
Mortgage servicing rights, at fair value	16,944	18,827
Fair Value, Recurring \| Level 3 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Mortgage servicing rights, at fair value	16,944	18,827
Fair Value, Recurring \| Level 3 Inputs \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Mortgage servicing rights, at fair value	$ 16,944	$ 18,827
Fair Value, Recurring \| Level 3 Inputs \| Constant pre-payment rates (CPR) \| Minimum \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Measurement input	0.049	0.008
Fair Value, Recurring \| Level 3 Inputs \| Constant pre-payment rates (CPR) \| Maximum \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Measurement input	0.943	0.943
Fair Value, Recurring \| Level 3 Inputs \| Constant pre-payment rates (CPR) \| Weighted Average \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Measurement input	0.081	0.076
Fair Value, Recurring \| Level 3 Inputs \| Discount rate \| Minimum \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Measurement input	0.090	0.090
Fair Value, Recurring \| Level 3 Inputs \| Discount rate \| Maximum \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Measurement input	0.110	0.964
Fair Value, Recurring \| Level 3 Inputs \| Discount rate \| Weighted Average \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Measurement input	0.096	0.104

Insider Trading Policies and Procedures	12 Months Ended
Insider Trading Policies and Procedures	Dec. 31, 2025
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

DEPOSITS - Interest Bearing Deposits - Narrative (Details) - USD ($)	Dec. 31, 2025	Dec. 31, 2024
Deposits [Abstract]
Reciprocal transaction deposits, interest bearing demand deposits	$ 289,900,000	$ 229,400,000
Time deposits, brokered	0	0
Time deposits, at or above FDIC insurance limit	201,400,000	202,200,000
Time deposits in denominations of $100,000 or more	$ 445,700,000	$ 455,200,000

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Past Due Status (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 3,456,209	$ 3,466,146
Total Nonaccrual	7,556	7,652
Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	3,441,646	3,454,572
30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	7,007	3,918
90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	4
Commercial and industrial
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	399,760	428,389
Total Nonaccrual	1,187	652
Commercial and industrial \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	397,254	425,859
Commercial and industrial \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,319	1,878
Commercial and industrial \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Commercial real estate - owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	320,434	322,316
Total Nonaccrual	1,765	157
Commercial real estate - owner occupied \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	318,094	321,805
Commercial real estate - owner occupied \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	575	354
Commercial real estate - owner occupied \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Commercial real estate - non-owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	937,094	899,565
Total Nonaccrual	0	1,821
Commercial real estate - non-owner occupied \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	934,230	897,445
Commercial real estate - non-owner occupied \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	2,864	299
Commercial real estate - non-owner occupied \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Construction and land development
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	280,254	374,657
Total Nonaccrual	0	249
Construction and land development \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	279,980	373,933
Construction and land development \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	274	475
Construction and land development \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Multi-family
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	544,941	431,524
Total Nonaccrual	0	92
Multi-family \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	544,941	431,432
Multi-family \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Multi-family \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
One-to-four family residential
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	445,463	463,968
Total Nonaccrual	3,434	4,178
One-to-four family residential \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	440,247	459,069
One-to-four family residential \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,782	721
One-to-four family residential \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Agricultural and farmland
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	275,251	293,375
Total Nonaccrual	1,165	135
Agricultural and farmland \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	274,086	293,231
Agricultural and farmland \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	9
Agricultural and farmland \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Municipal, consumer, and other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	253,012	252,352
Total Nonaccrual	5	368
Municipal, consumer, and other \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	252,814	251,798
Municipal, consumer, and other \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	193	182
Municipal, consumer, and other \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 0	$ 4

RELATED PARTY TRANSACTIONS (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Related party transactions
Loans	$ 3,414,519	$ 3,424,102
Total deposits	4,359,263	4,318,254
Related Party
Related party transactions
Loans	300	500
Total deposits	$ 5,500	$ 4,800

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-3

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(k)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(k)(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481990/310-10-45-13

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(c)(2)(i))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(c)(2)(ii))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(2)(g)(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

+ Details

STOCK-BASED COMPENSATION PLANS - Schedule of Stock Appreciation Rights (Details) - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Stock-based compensation plans
Expired (in shares)			0
Weighted Average Grant Date Fair Value
Expired (in dollars per share)			$ 0
Stock appreciation rights
Stock-based compensation plans
Outstanding (in shares)	73,440	73,440	73,440
Granted (in shares)	0	0	0
Exercised (in shares)	(6,120)	0	0
Expired (in shares)	0	0
Forfeited (in shares)	0	0	0
Outstanding (in shares)	67,320	73,440	73,440
Weighted Average Grant Date Fair Value
Outstanding (in dollars per share)	$ 16.32	$ 16.32	$ 16.32
Granted (in dollars per share)	0	0	0
Exercised (in dollars per share)	16.32	0	0
Expired (in dollars per share)	0	0
Forfeited (in dollars per share)	0	0	0
Outstanding (in dollars per share)	$ 16.32	$ 16.32	$ 16.32

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Loans, including fees:
Taxable	$ 211,943	$ 210,340	$ 191,008
Federally tax exempt	4,878	4,523	4,189
Debt securities:
Taxable	31,075	25,801	25,746
Federally tax exempt	1,839	2,102	4,225
Interest-bearing deposits in bank	5,502	8,272	3,020
Other interest and dividend income	547	662	811
Total interest and dividend income	255,784	251,700	228,999
INTEREST EXPENSE
Deposits	51,689	56,047	25,135
Securities sold under agreements to repurchase	22	594	255
Borrowings	203	480	7,128
Subordinated notes	1,326	1,879	1,879
Junior subordinated debentures issued to capital trusts	3,649	3,850	3,530
Total interest expense	56,889	62,850	37,927
Net interest income	198,895	188,850	191,072
PROVISION FOR CREDIT LOSSES	3,161	3,031	7,573
Net interest income after provision for credit losses	195,734	185,819	183,499
NONINTEREST INCOME
Mortgage servicing	4,113	4,437	4,678
Mortgage servicing rights fair value adjustment	(1,883)	(174)	(1,615)
Gains on sale of mortgage loans	1,477	1,611	1,526
Realized gains (losses) on sales of securities	(200)	(3,697)	(1,820)
Unrealized gains (losses) on equity securities	7	(59)	160
Gains (losses) on foreclosed assets	4	22	501
Gains (losses) on other assets	(85)	(635)	166
Income on bank owned life insurance	671	915	573
Other noninterest income	3,114	3,190	3,105
Total noninterest income	38,190	35,571	36,046
NONINTEREST EXPENSE
Salaries	66,342	65,130	67,453
Employee benefits	13,538	11,311	10,037
Occupancy of bank premises	10,713	10,293	9,918
Furniture and equipment	2,280	2,004	2,790
Data processing	11,766	11,169	12,352
Marketing and customer relations	4,183	4,320	5,043
Amortization of intangible assets	2,726	2,839	2,670
Loss on extinguishment of debt	391	0	0
FDIC insurance	2,234	2,254	2,280
Loan collection and servicing	1,346	2,056	1,402
Foreclosed assets	169	109	251
Other noninterest expense	13,730	12,522	16,768
Total noninterest expense	129,418	124,007	130,964
INCOME BEFORE INCOME TAX EXPENSE	104,506	97,383	88,581
INCOME TAX EXPENSE	27,498	25,603	22,739
NET INCOME	$ 77,008	$ 71,780	$ 65,842
EARNINGS PER SHARE - BASIC (in dollars per share)	$ 2.44	$ 2.27	$ 2.08
EARNINGS PER SHARE - DILUTED (in dollars per share)	$ 2.44	$ 2.26	$ 2.07
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING (in shares)	31,502,351	31,590,117	31,626,308
Card income
NONINTEREST INCOME
Revenue	$ 10,785	$ 11,051	$ 11,043
Wealth management fees
NONINTEREST INCOME
Revenue	12,147	10,978	9,883
Service charges on deposit accounts
NONINTEREST INCOME
Revenue	$ 8,040	$ 7,932	$ 7,846

SEGMENT INFORMATION	12 Months Ended
SEGMENT INFORMATION	Dec. 31, 2025
Segment Reporting [Abstract]
SEGMENT INFORMATION	SEGMENT INFORMATION The Company’s operations consist of one reportable segment. The President and Chief Executive Officer is the designated chief operating decision maker. The chief operating decision maker uses consolidated financial information for purposes of allocating resources and assessing performance. The chief operating decision maker uses consolidated net income to benchmark the Company against its competitors. The benchmarking analysis coupled with monitoring of budget to actual results are used to assess performance and in establishing compensation. Interest income from loans and investments as well as noninterest income from deposit customer activity, wealth management activities, and mortgage servicing generate the significant revenues. Interest expense, provisions for credit losses, and noninterest expenses such as compensation, occupancy, and data processing costs constitute the significant expenses. Significant revenues and expenses regularly provided to the chief operating decision maker are detailed in the consolidated statements of income.

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-21

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-21

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-31

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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Reference 7: http://www.xbrl.org/2003/role/exampleRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/exampleRef
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Reference 14: http://www.xbrl.org/2003/role/exampleRef
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Reference 15: http://www.xbrl.org/2003/role/exampleRef
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+ Details

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Assigned Risk Ratings (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 3,456,209	$ 3,466,146
Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	3,241,912	3,264,396
Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	131,766	83,947
Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	11,788	46,590
Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	70,743	71,213
Commercial and industrial
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	399,760	428,389
Commercial and industrial \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	369,941	404,779
Commercial and industrial \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	18,960	16,429
Commercial and industrial \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	2,591	1,957
Commercial and industrial \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	8,268	5,224
Commercial real estate - owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	320,434	322,316
Commercial real estate - owner occupied \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	291,831	297,150
Commercial real estate - owner occupied \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	17,681	14,969
Commercial real estate - owner occupied \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	3,774	2,713
Commercial real estate - owner occupied \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	7,148	7,484
Commercial real estate - non-owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	937,094	899,565
Commercial real estate - non-owner occupied \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	889,380	843,487
Commercial real estate - non-owner occupied \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	33,391	21,594
Commercial real estate - non-owner occupied \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	308	0
Commercial real estate - non-owner occupied \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	14,015	34,484
Construction and land development
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	280,254	374,657
Construction and land development \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	269,932	351,657
Construction and land development \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	540	1,376
Construction and land development \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	975	20,847
Construction and land development \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	8,807	777
Multi-family
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	544,941	431,524
Multi-family \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	503,133	411,842
Multi-family \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	41,808	3,855
Multi-family \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	15,735
Multi-family \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	92
One-to-four family residential
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	445,463	463,968
One-to-four family residential \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	431,553	448,869
One-to-four family residential \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	5,741	6,641
One-to-four family residential \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,646	710
One-to-four family residential \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	6,523	7,748
Agricultural and farmland
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	275,251	293,375
Agricultural and farmland \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	246,820	269,926
Agricultural and farmland \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	13,625	18,154
Agricultural and farmland \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	2,494	521
Agricultural and farmland \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	12,312	4,774
Municipal, consumer, and other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	253,012	252,352
Municipal, consumer, and other \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	239,322	236,686
Municipal, consumer, and other \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	20	929
Municipal, consumer, and other \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	4,107
Municipal, consumer, and other \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 13,670	$ 10,630

GOODWILL AND OTHER INTANGIBLE ASSETS

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

GOODWILL AND OTHER INTANGIBLE ASSETS

The Company did not record additions to goodwill for the years ended December 31, 2025 and 2024. During the year ended December 31, 2023, the Company recorded goodwill of $30.5 million related to the acquisition of Town and Country.

The following table summarizes the changes in the Company's intangible assets:


	Year Ended December 31,
	2025				2024				2023
(dollars in thousands)	Core Deposit Intangible		Customer Relationship Intangible		Core Deposit Intangible		Customer Relationship Intangible		Core Deposit Intangible		Customer Relationship Intangible

Beginning balance	$	17,035	$	808	$	19,774	$	908	$	1,070	$	—
Additions	—		—		—		—		21,282		1,000
Amortization	(2,626)		(100)		(2,739)		(100)		(2,578)		(92)
Ending balance	$	14,409	$	708	$	17,035	$	808	$	19,774	$	908
Accumulated amortization	$	28,790	$	292	$	26,164	$	192	$	23,425	$	92

Amortization of intangible assets for the years subsequent to December 31, 2025 is expected to be as follows (dollars in thousands):


Year ended December 31,
2026	$	2,411
2027	2,338
2028	2,255
2029	2,162
2030	2,056
Thereafter	3,895
Total	$	15,117

DERIVATIVE FINANCIAL INSTRUMENTS - Interest Rate Contracts Designated as Cash Flow Hedges (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Amounts of gross gain (loss) reclassified from accumulated other comprehensive income (loss)	$ 38	$ 348	$ 468

SECURITIES - Narrative (Details)	12 Months Ended
SECURITIES - Narrative (Details)	Dec. 31, 2025 USD ($) security	Dec. 31, 2024 USD ($)
SECURITIES
Number of securities in an unrealized loss position for a period of twelve months or more \| security	539
Number of securities in an unrealized loss position for a period of less than twelve months \| security	27
Debt securities, available-for-sale, accrued interest	$ 5,500,000	$ 5,100,000
Impairments of downward adjustments	200,000	200,000
Adjustment to carrying value of equity securities with no readily determinable fair value	200,000	200,000
Upward adjustment on equity securities with no readily determinable fair value	$ 0
Municipal
SECURITIES
Percentage of securities with general obligation issue	75.00%
Assets Pledged
SECURITIES
Carrying value of securities pledged to secure public and trust deposits	$ 412,800,000	$ 468,800,000

COMMITMENTS AND CONTINGENCIES - Commitments and Conditional Obligations (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Standby letters of credit
COMMITMENTS AND CONTINGENCIES
Contractual Amount	$ 29,727	$ 18,329
Commitments to extend credit
COMMITMENTS AND CONTINGENCIES
Contractual Amount	$ 855,014	$ 845,413

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)

12 Months Ended

Dec. 31, 2025

Broker-Dealer [Abstract]

Schedule of Information Pertaining to Securities Sold Under Agreements to Repurchase

Information pertaining to securities sold under agreements to repurchase is as follows:


(dollars in thousands)	December 31, 2025			December 31, 2024

Balance at end of year	$	—		$	28,969
Weighted average rate as of end of year	—		%	2.58		%
Fair value of securities underlying the agreements	$	—		$	34,335
Carrying value of securities underlying the agreements	$	—		$	37,628

DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2025

Deposits [Abstract]

Schedule of Company's Interest-Bearing Deposits

The Company’s deposits are summarized below:


(dollars in thousands)	December 31, 2025		December 31, 2024

Noninterest-bearing deposits	$	1,049,043	$	1,046,405
Interest-bearing deposits:
Interest-bearing demand	1,144,416		1,099,061
Money market	839,097		820,825
Savings	564,220		566,533
Time	762,487		785,430

Total interest-bearing deposits	3,310,220		3,271,849
Total deposits	$	4,359,263	$	4,318,254

Schedule of Interest Expense on Deposits

The components of interest expense on deposits were as follows:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Interest-bearing demand		$	6,498	$	5,499	$	3,130
Money market		18,112		18,637		7,352
Savings		1,540		1,621		1,033
Time		25,539		28,183		10,784
Brokered		—		2,107		2,836
Total interest expense on deposits		$	51,689	$	56,047	$	25,135

Schedule of Maturities of Time Deposits

At December 31, 2025, the scheduled maturities of time deposits are as follows (dollars in thousands):


Year ended December 31,
2026	$	708,504
2027	42,744
2028	6,192
2029	2,646
2030	2,240
Thereafter	161
Total	$	762,487

- Definition

Tabular disclosure of type of deposit liability.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph e
-Publisher SEC

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph d
-Publisher SEC

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph c
-Publisher SEC

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (5)
-Publisher SEC

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (4)
-Publisher SEC

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (3)
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Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
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Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
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Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
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-Section 1406
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Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
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-Publisher SEC

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
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Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
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Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(iv)
-Publisher SEC

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(iii)
-Publisher SEC

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(ii)
-Publisher SEC

+ Details

JUNIOR SUBORDINATED DEBENTURES ISSUED TO CAPITAL TRUSTS - Interest Rate and Maturities (Details)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Heartland Bancorp, Inc. Capital Trust B
SUBORDINATED NOTES
Spread on interest rate basis	3.01%
Interest Rate	6.92%	7.67%
Heartland Bancorp, Inc. Capital Trust C
SUBORDINATED NOTES
Spread on interest rate basis	1.79%
Interest Rate	5.51%	6.15%
Heartland Bancorp, Inc. Capital Trust D
SUBORDINATED NOTES
Spread on interest rate basis	1.61%
Interest Rate	5.33%	5.97%
FFBI Capital Trust I
SUBORDINATED NOTES
Spread on interest rate basis	3.06%
Interest Rate	6.97%	7.72%
National Bancorp Statutory Trust I
SUBORDINATED NOTES
Spread on interest rate basis	3.16%
Interest Rate	6.88%	7.52%
Town and Country Statutory Trust II
SUBORDINATED NOTES
Spread on interest rate basis	3.05%
Interest Rate	6.76%	7.40%
Town and Country Statutory Trust III
SUBORDINATED NOTES
Spread on interest rate basis	1.94%
Interest Rate	5.66%	6.30%
West Plains Investors Statutory Trust I
SUBORDINATED NOTES
Spread on interest rate basis	1.71%
Interest Rate	5.43%	6.07%

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 24,423	$ 29,552
Interest-bearing deposits with banks	97,846	108,140
Cash and cash equivalents	122,269	137,692
Debt securities available-for-sale, at fair value	813,101	698,049
Debt securities held-to-maturity (fair value of $426,799 at 2025 and $445,186 at 2024)	458,746	499,858
Equity securities with readily determinable fair value	3,322	3,315
Equity securities with no readily determinable fair value	2,612	2,629
Restricted stock, at cost	4,979	5,086
Loans held for sale	1,263	1,586
Loans, before allowance for credit losses	3,456,209	3,466,146
Allowance for credit losses	(41,690)	(42,044)
Loans, net of allowance for credit losses	3,414,519	3,424,102
Bank owned life insurance	24,660	23,989
Bank premises and equipment, net	73,642	66,758
Bank premises held for sale	0	317
Foreclosed assets	1,126	367
Goodwill	59,820	59,820
Intangible assets, net	15,117	17,843
Mortgage servicing rights, at fair value	16,944	18,827
Investments in unconsolidated subsidiaries	1,614	1,614
Accrued interest receivable	23,779	24,770
Other assets	33,877	46,280
Total assets	5,071,390	5,032,902
Deposits:
Noninterest-bearing	1,049,043	1,046,405
Interest-bearing	3,310,220	3,271,849
Total deposits	4,359,263	4,318,254
Securities sold under agreements to repurchase	0	28,969
Federal Home Loan Bank advances	12,301	13,231
Subordinated notes	0	39,553
Junior subordinated debentures issued to capital trusts	52,909	52,849
Other liabilities	31,419	35,441
Total liabilities	4,455,892	4,488,297
COMMITMENTS AND CONTINGENCIES (Note 23)
Stockholders' Equity
Preferred stock, $0.01 par value; 25,000,000 shares authorized; none issued or outstanding	0	0
Common stock, $0.01 par value; 125,000,000 shares authorized; shares issued of 32,899,104 at 2025 and 32,827,039 at 2024; shares outstanding of 31,431,924 at 2025 and 31,559,366 at 2024	329	328
Surplus	298,548	297,297
Retained earnings	367,163	316,764
Accumulated other comprehensive income (loss)	(23,018)	(46,765)
Treasury stock at cost, 1,467,180 shares at 2025 and 1,267,673 at 2024	(27,524)	(23,019)
Total stockholders’ equity	615,498	544,605
Total liabilities and stockholders’ equity	$ 5,071,390	$ 5,032,902

DEPOSITS

12 Months Ended

Dec. 31, 2025

Deposits [Abstract]

DEPOSITS

The Company’s deposits are summarized below:


(dollars in thousands)	December 31, 2025		December 31, 2024

Noninterest-bearing deposits	$	1,049,043	$	1,046,405
Interest-bearing deposits:
Interest-bearing demand	1,144,416		1,099,061
Money market	839,097		820,825
Savings	564,220		566,533
Time	762,487		785,430

Total interest-bearing deposits	3,310,220		3,271,849
Total deposits	$	4,359,263	$	4,318,254

Reciprocal deposits included in interest-bearing demand deposits, money market deposits, and time deposits totaled $289.9 million and $229.4 million as of December 31, 2025 and 2024, respectively. There were no brokered deposits as of December 31, 2025 and 2024.

The aggregate amounts of time deposits in denominations of $250 thousand or more amounted to $201.4 million and $202.2 million as of December 31, 2025 and 2024, respectively. The aggregate amounts of time deposits in denominations of $100 thousand or more amounted to $445.7 million and $455.2 million as of December 31, 2025 and 2024, respectively.

The components of interest expense on deposits were as follows:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Interest-bearing demand		$	6,498	$	5,499	$	3,130
Money market		18,112		18,637		7,352
Savings		1,540		1,621		1,033
Time		25,539		28,183		10,784
Brokered		—		2,107		2,836
Total interest expense on deposits		$	51,689	$	56,047	$	25,135

At December 31, 2025, the scheduled maturities of time deposits are as follows (dollars in thousands):


Year ended December 31,
2026	$	708,504
2027	42,744
2028	6,192
2029	2,646
2030	2,240
Thereafter	161
Total	$	762,487

STOCK-BASED COMPENSATION PLANS - Schedule of Performance Restricted Stock Unit Activity (Details) - Performance restricted stock units - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Stock-based compensation plans
Outstanding (in shares)	70,333	79,097	62,067
Granted (in shares)	16,662	19,933	17,030
Adjustment for performance condition (in shares)	11,864	14,349	0
Vested (in shares)	(42,783)	(43,046)	0
Forfeited (in shares)	(2,451)	0	0
Outstanding (in shares)	53,625	70,333	79,097
Weighted Average Grant Date Fair Value
Outstanding (in dollars per share)	$ 19.59	$ 18.25	$ 17.02
Granted (in dollars per share)	25.00	19.06	22.72
Adjustment for performance condition (in dollars per share)	18.66	15.53	0
Vested (in dollars per share)	18.66	15.53	0
Forfeited (in dollars per share)	16.27	0	0
Outstanding (in dollars per share)	$ 22.07	$ 19.59	$ 18.25

EMPLOYEE BENEFIT PLANS	12 Months Ended
EMPLOYEE BENEFIT PLANS	Dec. 31, 2025
Retirement Benefits [Abstract]
EMPLOYEE BENEFIT PLANS	EMPLOYEE BENEFIT PLANS Profit Sharing Plan During the years ended December 31, 2025, 2024, and 2023, the Company’s profit sharing plan contribution expense amounted to $1.9 million, $1.8 million, and $1.7 million, respectively. The Company’s contributions vest to employees ratably over a six-year period. Medical Insurance Benefits The Company is partially self-insured for medical claims filed by its employees. During the years ended December 31, 2025, 2024, and 2023, medical benefits expense amounted to $9.4 million, $7.8 million, and $6.2 million, respectively.

SECURITIES

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

SECURITIES

Debt Securities

The amortized cost and fair values of debt securities, with gross unrealized gains and losses and allowance for credit losses, are as follows:


	December 31, 2025
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	89,796	$	—	$	(4,252)	$	—	$	85,544
U.S. government agency	42,399		146		(1,123)		—		41,422
Municipal	152,144		188		(12,062)		—		140,270
Mortgage-backed:
Agency residential	364,567		3,605		(7,377)		—		360,795
Agency commercial	127,004		107		(7,174)		—		119,937

Corporate	65,957		621		(1,445)		—		65,133
Total available-for-sale	$	841,867	$	4,667	$	(33,433)	$	—	$	813,101

	December 31, 2025
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,496	$	—	$	(4,850)	$	83,646	$	—
Municipal	28,214		353		(58)		28,509		—
Mortgage-backed:
Agency residential	75,536		23		(2,544)		73,015		—
Agency commercial	266,500		25		(24,896)		241,629		—
Total held-to-maturity	$	458,746	$	401	$	(32,348)	$	426,799	$	—


	December 31, 2024
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	119,690	$	—	$	(8,545)	$	—	$	111,145
U.S. government agency	55,742		—		(2,544)		—		53,198
Municipal	150,163		—		(19,484)		—		130,679
Mortgage-backed:
Agency residential	241,342		253		(14,227)		—		227,368
Agency commercial	128,823		3		(12,145)		—		116,681
Corporate	61,732		156		(2,910)		—		58,978
Total available-for-sale	$	757,492	$	412	$	(59,855)	$	—	$	698,049

	December 31, 2024
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,472	$	—	$	(8,819)	$	79,653	$	—
Municipal	35,862		48		(371)		35,539		—
Mortgage-backed:
Agency residential	85,643		—		(5,796)		79,847		—
Agency commercial	289,881		—		(39,734)		250,147		—
Total held-to-maturity	$	499,858	$	48	$	(54,720)	$	445,186	$	—

As of December 31, 2025 and 2024, the Bank had debt securities with a carrying value of $412.8 million and $468.8 million, respectively, which were pledged to secure public deposits, securities sold under agreements to repurchase, available borrowing capacity, and for other purposes required or permitted by law.

The amortized cost and fair value of debt securities by contractual maturity, as of December 31, 2025, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.


	Available-for-Sale				Held-to-Maturity
(dollars in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value

Due in 1 year or less	$	34,128	$	33,783	$	7,330	$	7,257
Due after 1 year through 5 years	173,366		163,765		52,682		51,407
Due after 5 years through 10 years	119,292		112,595		54,764		51,590
Due after 10 years	23,510		22,226		1,934		1,901

Mortgage-backed:
Agency residential	364,567		360,795		75,536		73,015
Agency commercial	127,004		119,937		266,500		241,629
Total	$	841,867	$	813,101	$	458,746	$	426,799

The following table presents gross unrealized losses and fair value of debt securities available-for-sale that do not have an associated allowance for credit losses as of December 31, 2025 and December 31, 2024, aggregated by category and length of time that individual debt securities have been in a continuous unrealized loss position:


	December 31, 2025
	Investments in a Continuous Unrealized Loss Position
	Less than 12 Months				12 Months or More				Total
(dollars in thousands)	Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value

Available-for-sale:
U.S. Treasury	$	—	$	—	$	(4,252)	$	85,544	$	(4,252)	$	85,544
U.S. government agency	(18)		2,956		(1,105)		30,744		(1,123)		33,700
Municipal	(35)		4,525		(12,027)		123,881		(12,062)		128,406
Mortgage-backed:
Agency residential	(231)		45,392		(7,146)		121,114		(7,377)		166,506
Agency commercial	(7)		4,442		(7,167)		95,580		(7,174)		100,022
Corporate	(57)		8,728		(1,388)		24,932		(1,445)		33,660
Total available-for-sale	$	(348)	$	66,043	$	(33,085)	$	481,795	$	(33,433)	$	547,838


	December 31, 2024
	Investments in a Continuous Unrealized Loss Position
	Less than 12 Months				12 Months or More				Total
(dollars in thousands)	Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value

Available-for-sale:
U.S. Treasury	$	—	$	—	$	(8,545)	$	111,145	$	(8,545)	$	111,145
U.S. government agency	(141)		7,594		(2,403)		45,604		(2,544)		53,198
Municipal	(8)		2,634		(19,476)		127,776		(19,484)		130,410
Mortgage-backed:
Agency residential	(2,041)		81,055		(12,186)		129,178		(14,227)		210,233
Agency commercial	(125)		3,327		(12,020)		112,118		(12,145)		115,445
Corporate	(4)		1,996		(2,906)		43,064		(2,910)		45,060
Total available-for-sale	$	(2,319)	$	96,606	$	(57,536)	$	568,885	$	(59,855)	$	665,491

As of December 31, 2025, there were 539 debt securities in an unrealized loss position for a period of twelve months or more, and 27 debt securities in an unrealized loss position for a period of less than twelve months.

U.S. Treasury, U.S. government agency, and agency mortgage-backed securities are considered to have no risk of credit loss as they are either explicitly or implicitly guaranteed by the U.S. government. The changes in fair value in these portfolios are considered to be primarily driven by changes in market interest rates and other non-credit risks, such as prepayment and liquidity risks.

Municipal securities include general obligation bonds which have a very low historical default rate due to issuers generally having taxing authority to service the debt and represent approximately 75% of the total fair value of our municipal securities portfolio as of December 31, 2025. The remainder of the municipal securities are also of high credit quality with ratings of Aa2/AA or better. The Company evaluates credit risk through monitoring credit ratings and reviews of available financial data. The changes in fair value in municipal securities were considered to be primarily driven by changes in market interest rates and other non-credit risks, such as call and liquidity risks. The estimated allowance for credit losses for the municipal debt securities held-to-maturity was deemed insignificant.

Corporate securities include investment grade corporate and bank subordinated debt securities. The Company evaluates credit risk through monitoring credit ratings, reviews of available issuer financial data, and sector trends. The changes in fair value in corporate securities were considered to be primarily driven by changes in market interest rates and other non-credit risks, such as call and liquidity risks.

As of December 31, 2025, the Company did not intend to sell the debt securities that are in an unrealized loss position, and it was more likely than not that the Company would recover the amortized cost prior to being required to sell the debt securities.

Accrued interest on debt securities is excluded from the estimate of credit losses and totaled $5.5 million and $5.1 million as of December 31, 2025 and 2024, respectively.

Sales of debt securities were as follows during the year ended December 31:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Proceeds from sales		$	4,125	$	69,174	$	185,280
Gross realized gains		—		—		—
Gross realized losses		(200)		(3,697)		(1,820)

Equity Securities

Equity securities with readily determinable fair values are measured at fair value with changes in fair value recognized in unrealized gains (losses) on equity securities on the consolidated statements of income. The Company has elected to measure equity securities with no readily determinable fair value at cost minus impairment, if any, plus or minus changes resulting from observable price changes for identical or similar securities of the same issuer.

The initial cost and carrying values of equity securities, with cumulative net unrealized gains and losses were as follows:


	December 31, 2025
(dollars in thousands)	Readily Determinable Fair Value		No Readily Determinable Fair Value

Initial cost	$	3,124	$	2,981
Cumulative net unrealized gains (losses)	198		(369)
Carrying value	$	3,322	$	2,612


	December 31, 2024
(dollars in thousands)	Readily Determinable Fair Value		No Readily Determinable Fair Value

Initial cost	$	3,124	$	2,998
Cumulative net unrealized gains (losses)	191		(369)
Carrying value	$	3,315	$	2,629

As of December 31, 2025 and December 31, 2024, the cumulative net unrealized losses on equity securities with no readily determinable fair value reflect impairments of $0.2 million and downward adjustments based on observable price changes of an identical investment of $0.2 million. There have been no upward adjustments based on observable price changes to equity securities with no readily determinable fair value.

Unrealized gains (losses) on equity securities were as follows during the years ended December 31, 2025 and 2024:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Readily determinable fair value		$	7	$	(25)	$	330
No readily determinable fair value		—		(34)		(170)
Unrealized gains (losses) on equity securities		$	7	$	(59)	$	160

LOAN SERVICING (Details) - USD ($) $ in Thousands	12 Months Ended
LOAN SERVICING (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Transfers and Servicing [Abstract]
Mortgage loans serviced for others	$ 1,420,000	$ 1,550,000
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	18,827	19,001	$ 10,147
Acquired	0	0	10,469
Capitalized servicing rights	592	726	726
Fair value adjustments attributable to payments and principal reductions	(2,128)	(2,083)	(2,110)
Fair value adjustments attributable to changes in valuation inputs and assumptions	(347)	1,183	(231)
Ending balance	$ 16,944	$ 18,827	$ 19,001

- Definition

Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

+ Details

SUBORDINATED NOTES

12 Months Ended

Dec. 31, 2025

Subordinated Borrowings [Abstract]

SUBORDINATED NOTES

The face value and carrying value of the subordinated notes are summarized below:


(dollars in thousands)	December 31, 2025		December 31, 2024

Subordinated notes, at face value	$	—	$	40,000
Unamortized issuance costs	—		(447)
Subordinated notes, at carrying value	$	—	$	39,553

On September 3, 2020, the Company issued $40.0 million of fixed-to-floating rate subordinated notes with a maturity date of September 15, 2030. The subordinated notes, which were unsecured obligations of the Company, had a fixed interest rate of 4.50% for the first five years after issuance and thereafter had interest at a floating rate equal to three-month SOFR, as determined on the Floating Interest Determination Date, plus 4.37%. Interest was payable semi-annually during the five year fixed rate period and quarterly during the subsequent five year floating rate period. The subordinated notes had a redemption in whole or in part on any interest payment date on or after September 15, 2025.

On September 15, 2025, the Company redeemed all $40.0 million of the fixed-to-floating rate subordinated notes issued on September 3, 2020 at a redemption price equal to 100% of the aggregate principal amount of the notes, plus accrued and unpaid interest. As a result of the transaction, the company recognized a $0.4 million loss on extinguishment of debt, which was included in noninterest expense. The loss represents the acceleration of the unamortized issuance costs.

As of December 31, 2024, 100% of the subordinated notes qualified as Tier 2 capital.

REGULATORY CAPITAL (Tables)

12 Months Ended

Dec. 31, 2025

Banking and Thrift, Other Disclosure [Abstract]

Schedule of the Company's and the Bank Subsidiaries' Actual and Required Capital Amounts and Ratios

The actual and required capital amounts and ratios of the Company (on a consolidated basis) and the Bank were as follows:


	December 31, 2025
	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio

Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)	$	663,872	16.82	%	$	315,844	8.00	%	N/A		N/A
Tier 1 Capital (to Risk Weighted Assets)	620,630		15.72		236,883		6.00		N/A		N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)	569,335		14.42		177,662		4.50		N/A		N/A
Tier 1 Capital (to Average Assets)	620,630		12.26		202,443		4.00		N/A		N/A

Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)	$	651,379	16.52	%	$	315,520	8.00	%	$	394,400	10.00	%
Tier 1 Capital (to Risk Weighted Assets)	608,137		15.42		236,640		6.00		315,520		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)	608,137		15.42		177,480		4.50		256,360		6.50
Tier 1 Capital (to Average Assets)	608,137		12.02		202,314		4.00		252,893		5.00


	December 31, 2024
	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio

Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)	$	652,563	16.51	%	$	316,145	8.00	%	N/A		N/A
Tier 1 Capital (to Risk Weighted Assets)	573,203		14.50		237,109		6.00		N/A		N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)	521,968		13.21		177,831		4.50		N/A		N/A
Tier 1 Capital (to Average Assets)	573,203		11.51		199,167		4.00		N/A		N/A

Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)	$	635,878	16.11	%	$	315,825	8.00	%	$	394,781	10.00	%
Tier 1 Capital (to Risk Weighted Assets)	596,071		15.10		236,869		6.00		315,825		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)	596,071		15.10		177,651		4.50		256,608		6.50
Tier 1 Capital (to Average Assets)	596,071		11.98		199,030		4.00		248,787		5.00

BANK PREMISES AND EQUIPMENT

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

BANK PREMISES AND EQUIPMENT

Bank premises and equipment are stated at cost less accumulated depreciation as follows:


(dollars in thousands)	December 31, 2025		December 31, 2024

Land, buildings, and improvements	$	105,283	$	98,426
Furniture, fixtures, and equipment	20,465		26,270
Total bank premises and equipment	125,748		124,696
Less accumulated depreciation	52,106		57,938
Total bank premises and equipment, net	$	73,642	$	66,758

Depreciation expense by category is as follows:


	Year Ended December 31,
(dollars in thousands)	2025		2024		2023

Buildings and improvements	$	2,197	$	1,990	$	1,879
Furniture, fixtures, and equipment	1,003		954		1,229
Total depreciation expense	$	3,200	$	2,944	$	3,108

SECURITIES - Sale of Debt Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 4,125	$ 69,174	$ 185,280
Gross realized gains	0	0	0
Gross realized losses	$ (200)	$ (3,697)	$ (1,820)

INCOME TAXES (Tables)

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Schedule of Allocation of Income Tax Expense Between Current and Deferred Portions

Allocation of income tax expense between current and deferred portions is as follows:


	Year Ended December 31,
(dollars in thousands)	2025		2024		2023

Current
Federal	$	18,731	$	17,090	$	12,538
State	8,438		7,517		6,384
Total current	27,169		24,607		18,922

Deferred
Federal	268		307		2,811
State	61		689		1,006
Total deferred	329		996		3,817
Income tax expense	$	27,498	$	25,603	$	22,739

Schedule of Expense Differs from the Statutory Federal Rate

Income tax expense differs from the statutory federal rate due to the following:


	Year Ended December 31,
	2025				2024				2023
(dollars in thousands)	Amount		Percentage		Amount		Percentage		Amount		Percentage

Federal income tax, at US statutory rate	$	21,946	21.0	%	$	20,450	21.0	%	$	18,602	21.0	%
Increase (decrease) resulting from:
State taxes, net of federal benefit	6,711		6.4		6,174		6.3		5,838		6.6
Nontaxable or nondeductible items:
Federally tax exempt interest income	(1,417)		(1.3)		(1,391)		(1.4)		(1,767)		(2.0)
Other	255		0.2		89		0.1		266		0.3
Tax credits	(186)		(0.2)		(137)		(0.1)		(190)		(0.2)
Other	189		0.2		418		0.4		(10)		—
Income tax expense	$	27,498	26.3	%	$	25,603	26.3	%	$	22,739	25.7	%

Schedule of Components of the Deferred Tax Assets and Liabilities

The components of the deferred tax assets and liabilities are as follows:


(dollars in thousands)	December 31, 2025		December 31, 2024

Deferred tax assets
Allowance for credit losses	$	12,709	$	12,523
Compensation related	3,146		3,119
Deferred loan fees	965		692
Nonaccrual interest	632		673

Goodwill	—		3
Net operating loss carryforward	62		99
Net unrealized losses on debt securities	10,282		19,424
Other purchase accounting adjustments	2,952		4,012
Other	648		699
Total deferred tax assets	31,396		41,244

Deferred tax liabilities
Fixed asset depreciation	3,569		3,172
Mortgage servicing rights	4,699		5,224

Intangible assets	4,087		4,899
Prepaid assets	1,087		982
Goodwill	59		—
Other	655		532
Total deferred tax liabilities	14,156		14,809
Net deferred tax asset	$	17,240	$	26,435

FORECLOSED ASSETS

12 Months Ended

Dec. 31, 2025

Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]

FORCLOSED ASSETS

FORECLOSED ASSETS

Foreclosed assets activity was as follows:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Beginning balance		$	367	$	852	$	3,030
Acquired		—		—		271
Transfers from loans		2,040		889		1,143

Proceeds from sales		(1,285)		(1,396)		(4,093)

Net gain on sales		155		112		764
Direct write-downs		(151)		(90)		(263)
Ending balance		$	1,126	$	367	$	852

Gains (losses) on foreclosed assets included the following:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Direct write-downs		$	(151)	$	(90)	$	(263)
Net gain on sales		155		112		764
Gains on foreclosed assets		$	4	$	22	$	501

As of December 31, 2025 and 2024, the carrying value of foreclosed one-to-four family residential real estate properties held was $0.9 million and $0.3 million, respectively. As of December 31, 2025, there were 3 one-to-four family residential real estate loans in the process of foreclosure totaling $0.2 million. As of December 31, 2024, there were 19 one-to-four family residential real estate loans in the process of foreclosure totaling $1.8 million.

FORECLOSED ASSETS - Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Real Estate Acquired Through Foreclosure [Roll Forward]
Beginning balance	$ 367	$ 852	$ 3,030
Acquired	0	0	271
Transfers from loans	2,040	889	1,143
Proceeds from sales	(1,285)	(1,396)	(4,093)
Net gain on sales	155	112	764
Direct write-downs	(151)	(90)	(263)
Ending balance	$ 1,126	$ 367	$ 852

EMPLOYEE BENEFIT PLANS (Details) - USD ($) $ in Millions	12 Months Ended
EMPLOYEE BENEFIT PLANS (Details) - USD ($) $ in Millions	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Retirement Benefits [Abstract]
Contribution expense	$ 1.9	$ 1.8	$ 1.7
Employees contributions vesting period	6 years	6 years	6 years
Medical benefits expense amount	$ 9.4	$ 7.8	$ 6.2

LOAN SERVICING (Tables)

12 Months Ended

Dec. 31, 2025

Transfers and Servicing [Abstract]

Schedule of Activity in Mortgage Servicing Rights

Activity in mortgage servicing rights was as follows:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Beginning balance		$	18,827	$	19,001	$	10,147
Acquired		—		—		10,469
Capitalized servicing rights		592		726		726
Fair value adjustments attributable to payments and principal reductions		(2,128)		(2,083)		(2,110)
Fair value adjustments attributable to changes in valuation inputs and assumptions		(347)		1,183		(231)
Ending balance		$	16,944	$	18,827	$	19,001

REGULATORY CAPITAL - Narrative (Details)	Dec. 31, 2025
Banking and Thrift, Other Disclosure [Abstract]
For capital adequacy purposes, ratio (as a percent).	0.025

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Categories of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Jan. 01, 2023	Dec. 31, 2022
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 3,456,209	$ 3,466,146
Allowance for credit losses	(41,690)	(42,044)	$ (40,048)	$ (25,333)	$ (25,333)
Loans, net of allowance for credit losses	3,414,519	3,424,102
Commercial and industrial
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	399,760	428,389
Allowance for credit losses	(6,975)	(5,357)	(4,980)		(3,279)
Commercial real estate - owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	320,434	322,316
Allowance for credit losses	(4,383)	(3,107)	(2,272)		(1,193)
Commercial real estate - non-owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	937,094	899,565
Allowance for credit losses	(8,705)	(11,707)	(7,714)		(6,721)
Construction and land development
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	280,254	374,657
Allowance for credit losses	(3,899)	(4,302)	(5,998)		(4,223)
Multi-family
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	544,941	431,524
Allowance for credit losses	(5,484)	(4,331)	(3,837)		(1,472)
One-to-four family residential
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	445,463	463,968
Allowance for credit losses	(3,535)	(3,908)	(5,204)		(1,759)
Agricultural and farmland
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	275,251	293,375
Allowance for credit losses	(758)	(1,170)	(975)		(796)
Municipal, consumer, and other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	253,012	252,352
Allowance for credit losses	$ (7,951)	$ (8,162)	$ (9,068)		$ (5,890)

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 544,605	$ 489,496	$ 373,632
Other comprehensive income before reclassifications	30,477	9,087	17,110
Reclassifications	2,136	5,341	3,306
Total other comprehensive income, before tax	32,613	14,428	20,416
Income tax expense	8,866	4,030	5,820
Total other comprehensive income	23,747	10,398	14,596
Ending balance	615,498	544,605	489,496
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(46,765)	(57,163)	(71,759)
Total other comprehensive income	23,747	10,398	14,596
Ending balance	(23,018)	(46,765)	(57,163)
Available-for-Sale
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(39,408)	(48,579)	(61,998)
Other comprehensive income before reclassifications	30,477	9,023	16,949
Reclassifications	200	3,697	1,820
Total other comprehensive income, before tax	30,677	12,720	18,769
Income tax expense	8,589	3,549	5,350
Total other comprehensive income	22,088	9,171	13,419
Ending balance	(17,320)	(39,408)	(48,579)
Held-to-Maturity
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(7,119)	(8,549)	(9,946)
Other comprehensive income before reclassifications	0	0	0
Reclassifications	1,974	1,992	1,954
Total other comprehensive income, before tax	1,974	1,992	1,954
Income tax expense	553	562	557
Total other comprehensive income	1,421	1,430	1,397
Ending balance	(5,698)	(7,119)	(8,549)
Derivatives
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(238)	(35)	185
Other comprehensive income before reclassifications	0	64	161
Reclassifications	(38)	(348)	(468)
Total other comprehensive income, before tax	(38)	(284)	(307)
Income tax expense	(276)	(81)	(87)
Total other comprehensive income	238	(203)	(220)
Ending balance	$ 0	$ (238)	$ (35)

STOCK-BASED COMPENSATION PLANS - Schedule of Option Pricing Model to Value the Stock Appreciation Rights (Details) - Stock appreciation rights	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Risk-free interest rate	3.61%	4.37%
Expected volatility	29.60%	30.95%
Expected life (in years)	3 years 8 months 12 days	4 years 8 months 12 days
Expected dividend yield	3.25%	3.47%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (f)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

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-Topic 718
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480483/718-10-35-1D

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-Topic 718
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147480483/718-10-35-3

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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

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-Topic 718
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

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-Name Accounting Standards Codification
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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
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Reference 29: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

FAIR VALUE OF FINANCIAL INSTRUMENTS - Unobservable Inputs Used in Nonrecurring Measurements (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	$ 3,456,209	$ 3,466,146
Foreclosed assets	1,126	367
Fair Value, Nonrecurring
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale		317
Foreclosed assets	1,126	367
Fair Value, Nonrecurring \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	23,196	27,717
Fair Value, Nonrecurring \| Level 3 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale		317
Foreclosed assets	1,126	367
Fair Value, Nonrecurring \| Level 3 Inputs \| Valuation, Market Approach
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale		317
Foreclosed assets	$ 1,126	$ 367
Fair Value, Nonrecurring \| Level 3 Inputs \| Appraisal adjustments \| Valuation, Market Approach
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale, measurement input		0.07
Foreclosed assets, measurement input	0.07	0.07
Fair Value, Nonrecurring \| Level 3 Inputs \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	$ 23,196	$ 27,717
Fair Value, Nonrecurring \| Level 3 Inputs \| Collateral-dependent loans \| Valuation, Market Approach
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	$ 23,196	$ 27,717
Fair Value, Nonrecurring \| Level 3 Inputs \| Weighted Average \| Appraisal adjustments \| Valuation, Market Approach
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale, measurement input		0.07
Foreclosed assets, measurement input	0.07	0.07

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

12 Months Ended

Dec. 31, 2025

Broker-Dealer [Abstract]

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

Information pertaining to securities sold under agreements to repurchase is as follows:


(dollars in thousands)	December 31, 2025			December 31, 2024

Balance at end of year	$	—		$	28,969
Weighted average rate as of end of year	—		%	2.58		%
Fair value of securities underlying the agreements	$	—		$	34,335
Carrying value of securities underlying the agreements	$	—		$	37,628

During the first half of 2025, the Company transitioned the vast majority of repurchase agreement account balances to reciprocal interest-bearing demand deposit accounts. As a result, there were no securities sold under agreements to repurchase as of December 31, 2025.

As of December 31, 2024, all repurchase agreements were sweep instruments. The securities underlying the agreements were under the Company’s control in safekeeping at third-party financial institutions, and included debt securities.

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

12 Months Ended

Dec. 31, 2025

AOCI Attributable to Parent [Abstract]

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The following table presents the activity and accumulated balances for components of other comprehensive income (loss):














































	Unrealized Gains (Losses) on Debt Securities				Derivatives		Total
(dollars in thousands)	Available-for-Sale		Held-to-Maturity

Balance, December 31, 2022	$	(61,998)	$	(9,946)	$	185	$	(71,759)

Other comprehensive income before reclassifications	16,949		—		161		17,110
Reclassifications	1,820		1,954		(468)		3,306
Other comprehensive income (loss), before tax	18,769		1,954		(307)		20,416
Income tax expense (benefit)	5,350		557		(87)		5,820
Other comprehensive income (loss), after tax	13,419		1,397		(220)		14,596
Balance, December 31, 2023	(48,579)		(8,549)		(35)		(57,163)

Other comprehensive income before reclassifications	9,023		—		64		9,087
Reclassifications	3,697		1,992		(348)		5,341
Other comprehensive income (loss), before tax	12,720		1,992		(284)		14,428
Income tax expense (benefit)	3,549		562		(81)		4,030
Other comprehensive income (loss), after tax	9,171		1,430		(203)		10,398
Balance, December 31, 2024	(39,408)		(7,119)		(238)		(46,765)

Other comprehensive income before reclassifications	30,477		—		—		30,477
Reclassifications	200		1,974		(38)		2,136
Other comprehensive income (loss), before tax	30,677		1,974		(38)		32,613
Income tax expense (benefit)	8,589		553		(276)		8,866
Other comprehensive income, after tax	22,088		1,421		238		23,747
Balance, December 31, 2025	$	(17,320)	$	(5,698)	$	—	$	(23,018)

Reclassifications from accumulated other comprehensive income (loss) for unrealized gains (losses) on debt securities available-for-sale are included in either gains (losses) on sales of securities or provision for credit losses in the accompanying consolidated statements of income.

Reclassifications from accumulated other comprehensive income (loss) for unrealized gains on debt securities held-to-maturity are included in securities interest income in the accompanying consolidated statements of income.

Reclassifications from accumulated other comprehensive income (loss) for the fair value of derivative financial instruments represent net interest payments received or made on derivatives designated as cash flow hedges. See Note 14 for additional information.

EARNINGS PER SHARE

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Abstract]

EARNINGS PER SHARE

Basic earnings per share is computed by dividing net income for the period by the weighted average number of common shares outstanding. Diluted earnings per share is computed using the treasury stock method and reflects the potential dilution from the Company’s outstanding restricted stock units and performance restricted stock units.

The following table sets forth the computation of basic and diluted earnings per share:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Numerator:
Net income		$	77,008	$	71,780	$	65,842
Earnings allocated to participating securities		—		—		(36)
Numerator for earnings per share - basic and diluted		$	77,008	$	71,780	$	65,806

Denominator:
Weighted average common shares outstanding		31,502,351		31,590,117		31,626,308
Dilutive effect of outstanding restricted stock units		108,953		122,363		111,839
Weighted average common shares outstanding, including all dilutive potential shares		31,611,304		31,712,480		31,738,147

Earnings per share - basic		$	2.44	$	2.27	$	2.08
Earnings per share - diluted		$	2.44	$	2.26	$	2.07

JUNIOR SUBORDINATED DEBENTURES ISSUED TO CAPITAL TRUSTS (Tables)

12 Months Ended

Dec. 31, 2025

Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust [Abstract]

Schedule of Face Value Carrying Value of Subordinated Notes

The face value and carrying value of the subordinated notes are summarized below:


(dollars in thousands)	December 31, 2025		December 31, 2024

Subordinated notes, at face value	$	—	$	40,000
Unamortized issuance costs	—		(447)
Subordinated notes, at carrying value	$	—	$	39,553

The face values and carrying values of the junior subordinated debentures are summarized as follows:


			Carrying Value
(dollars in thousands)	Face Value		December 31, 2025		December 31, 2024

Heartland Bancorp, Inc. Capital Trust B	$	10,310	$	10,310	$	10,310
Heartland Bancorp, Inc. Capital Trust C	10,310		10,310		10,310
Heartland Bancorp, Inc. Capital Trust D	5,155		5,155		5,155
FFBI Capital Trust I	7,217		7,217		7,217
National Bancorp Statutory Trust I	5,773		4,985		4,919
Town and Country Statutory Trust II	4,124		4,347		4,374
Town and Country Statutory Trust III	7,732		7,601		7,590
West Plains Investors Statutory Trust I	3,093		2,984		2,974
Total	$	53,714	$	52,909	$	52,849

Schedule of Interest Rates and Maturities of the Junior Subordinated Debentures

The interest rates and maturities of the junior subordinated debentures are summarized as follows:


			Interest Rate at
	Variable Interest Rate		December 31, 2025		December 31, 2024		Maturity Date
Heartland Bancorp, Inc. Capital Trust B	SOFR plus	3.01%	6.92	%	7.67	%	April 6, 2034
Heartland Bancorp, Inc. Capital Trust C	SOFR plus	1.79	5.51		6.15		June 15, 2037
Heartland Bancorp, Inc. Capital Trust D	SOFR plus	1.61	5.33		5.97		September 15, 2037
FFBI Capital Trust I	SOFR plus	3.06	6.97		7.72		April 6, 2034
National Bancorp Statutory Trust I	SOFR plus	3.16	6.88		7.52		December 15, 2037
Town and Country Statutory Trust II	SOFR plus	3.05	6.76		7.40		March 17, 2034
Town and Country Statutory Trust III	SOFR plus	1.94	5.66		6.30		March 22, 2037
West Plains Investors Statutory Trust I	SOFR plus	1.71	5.43		6.07		June 15, 2037

BUSINESS COMBINATIONS - Schedule of Acquisition Related Expenses (Details) - Town and Country $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) $ / shares
Business Combination [Line Items]
Total revenues (net interest income and noninterest income) \| $	$ 230,171
Net income \| $	$ 66,056
Earnings per share - basic (in dollars per share) \| $ / shares	$ 2.07
Earnings per share - diluted (in dollars per share) \| $ / shares	$ 2.06

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

BUSINESS COMBINATIONS - Schedule of Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands	Feb. 01, 2023	Dec. 31, 2025	Dec. 31, 2024
Consideration paid:
Goodwill		$ 59,820	$ 59,820
Town and Country
Assets acquired:
Cash and cash equivalents	$ 23,542
Interest-bearing time deposits with banks	249
Debt securities	167,869
Equity securities	301
Restricted stock	2,822
Loans held for sale	1,612
Loans, before allowance for credit losses	635,376
Allowance for credit losses	(1,247)
Loans, net of allowance for credit losses	634,129
Bank owned life insurance	15,782
Bank premises and equipment	14,828
Foreclosed assets	271
Intangible assets	22,282
Mortgage servicing rights	10,469
Investments in unconsolidated subsidiaries	449
Accrued interest receivable	3,113
Other assets	8,940
Total assets acquired	906,658
Liabilities assumed:
Deposits	720,417
FHLB advances	86,439
Junior subordinated debentures	14,949
Other liabilities	5,999
Total liabilities assumed	827,804
Net assets acquired	78,854
Consideration paid:
Cash	37,996
Common stock	71,356
Total consideration paid	109,352
Goodwill	$ 30,498

SECURITIES - Investments in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Unrealized Loss
Less than 12 Months	$ (348)	$ (2,319)
12 Months or More	(33,085)	(57,536)
Total	(33,433)	(59,855)
Fair Value
Less than 12 Months	66,043	96,606
12 Months or More	481,795	568,885
Total	547,838	665,491
U.S. Treasury
Unrealized Loss
Less than 12 Months	0	0
12 Months or More	(4,252)	(8,545)
Total	(4,252)	(8,545)
Fair Value
Less than 12 Months	0	0
12 Months or More	85,544	111,145
Total	85,544	111,145
U.S. government agency
Unrealized Loss
Less than 12 Months	(18)	(141)
12 Months or More	(1,105)	(2,403)
Total	(1,123)	(2,544)
Fair Value
Less than 12 Months	2,956	7,594
12 Months or More	30,744	45,604
Total	33,700	53,198
Municipal
Unrealized Loss
Less than 12 Months	(35)	(8)
12 Months or More	(12,027)	(19,476)
Total	(12,062)	(19,484)
Fair Value
Less than 12 Months	4,525	2,634
12 Months or More	123,881	127,776
Total	128,406	130,410
Agency residential
Unrealized Loss
Less than 12 Months	(231)	(2,041)
12 Months or More	(7,146)	(12,186)
Total	(7,377)	(14,227)
Fair Value
Less than 12 Months	45,392	81,055
12 Months or More	121,114	129,178
Total	166,506	210,233
Agency commercial
Unrealized Loss
Less than 12 Months	(7)	(125)
12 Months or More	(7,167)	(12,020)
Total	(7,174)	(12,145)
Fair Value
Less than 12 Months	4,442	3,327
12 Months or More	95,580	112,118
Total	100,022	115,445
Corporate
Unrealized Loss
Less than 12 Months	(57)	(4)
12 Months or More	(1,388)	(2,906)
Total	(1,445)	(2,910)
Fair Value
Less than 12 Months	8,728	1,996
12 Months or More	24,932	43,064
Total	$ 33,660	$ 45,060

STOCK-BASED COMPENSATION PLANS - Schedule of Stock-Based Compensation Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	$ 2,113	$ 1,720	$ 2,048
Restricted stock units
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	1,196	1,061	1,204
Performance restricted stock units
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	747	691	749
Total awards classified as equity
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	1,943	1,752	1,953
Stock appreciation rights
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	$ 170	$ (32)	$ 95

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

DERIVATIVE FINANCIAL INSTRUMENTS- Risk Participation Agreements (Details) $ in Thousands	Dec. 31, 2025 USD ($) agreement	Dec. 31, 2024 USD ($) agreement
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of risk participation agreements \| agreement	1	1
Notional amount	$ 5,268	$ 5,268
Fair value	$ (10)	$ (10)

CONDENSED PARENT COMPANY ONLY FINANCIAL STATEMENTS (Tables)

12 Months Ended

Dec. 31, 2025

Condensed Financial Information Disclosure [Abstract]

Schedule of Condensed Parent Company Only Balance Sheets


Condensed Parent Company Only Balance Sheets

(dollars in thousands)	December 31, 2025		December 31, 2024

ASSETS
Cash and cash equivalents	$	11,850	$	16,179
Investment in subsidiaries:
Bank	654,269		618,914
Non-bank	1,614		1,614
Other assets	1,879		1,929
Total assets	$	669,612	$	638,636

LIABILITIES
Subordinated notes	$	—	$	39,553
Junior subordinated debentures	52,909		52,849
Other liabilities	1,205		1,629
Total liabilities	54,114		94,031

STOCKHOLDERS' EQUITY	615,498		544,605
Total liabilities and stockholders' equity	$	669,612	$	638,636

Schedule of Condensed Parent Company Only Statements of Income


Condensed Parent Company Only Statements of Income

	Year ended December 31,
(dollars in thousands)	2025		2024		2023

INCOME
Dividends received from bank subsidiary	$	72,500	$	34,000	$	64,000
Undistributed earnings from bank subsidiary	11,846		44,684		9,199
Other income	146		183		870
Total income	84,492		78,867		74,069

EXPENSES
Interest expense	4,975		5,729		5,409
Other expense	5,364		4,106		5,517
Total expenses	10,339		9,835		10,926
INCOME BEFORE INCOME TAX BENEFIT	74,153		69,032		63,143
TAX BENEFIT	(2,855)		(2,748)		(2,699)
NET INCOME	$	77,008	$	71,780	$	65,842

Schedule of Condensed Parent Company Only Statements of Cash Flows


Consolidated Parent Company Only Statements of Cash Flow

	Year ended December 31,
(dollars in thousands)	2025		2024		2023

CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$	77,008	$	71,780	$	65,842
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings of consolidated subsidiaries	(11,846)		(44,684)		(9,199)
Stock-based compensation	1,943		1,752		1,953
Loss on extinguishment of subordinated debt	391		—		—
Amortization of discount and issuance costs on subordinated notes and debentures	116		139		139
Net gain on sale of foreclosed assets	—		—		(563)
Changes in other assets and liabilities, net	(136)		(1,105)		360
Net cash provided by operating activities	67,476		27,882		58,532


CASH FLOWS FROM INVESTING ACTIVITIES

Proceeds from sales of equity securities	—		20		—


Proceeds from sale of foreclosed assets	—		—		2,888

Net cash paid for acquisition of Town and Country	—		—		(37,523)
Net cash provided by (used in) investing activities	—		20		(34,635)


CASH FLOWS FROM FINANCING ACTIVITIES


Repayment of subordinated notes	(40,000)		—		—
Taxes paid related to the vesting of restricted stock units	(691)		(331)		(181)
Repurchase of common stock	(4,505)		(4,423)		(8,907)
Cash dividends and dividend equivalents paid	(26,609)		(24,183)		(21,873)
Net cash used in financing activities	(71,805)		(28,937)		(30,961)

NET DECREASE IN CASH AND EQUIVALENTS	(4,329)		(1,035)		(7,064)
CASH AND CASH EQUIVALENTS
Beginning of year	16,179		17,214		24,278
End of year	$	11,850	$	16,179	$	17,214

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)

12 Months Ended

Dec. 31, 2025

Accounting Policies [Abstract]

Schedule of Impact ASC 326 on the Allowance for Credit Losses

The following table illustrates the impact of ASC 326 on the allowance for credit losses:


	January 1, 2023
(dollars in thousands)	Pre-ASC 326 Adoption		Impact of ASC 326 Adoption		As Reported under ASC 326

Assets:
Allowance for credit losses on loans
Commercial and industrial	$	3,279	$	(822)	$	2,457
Commercial real estate - owner occupied	1,193		587		1,780
Commercial real estate - non-owner occupied	6,721		501		7,222
Construction and land development	4,223		1,969		6,192
Multi-family	1,472		85		1,557
One-to-four family residential	1,759		797		2,556
Agricultural and farmland	796		1,567		2,363
Municipal, consumer, and other	5,890		2,299		8,189
Allowance for credit losses on loans	$	25,333	$	6,983	$	32,316

Liabilities:
Allowance for credit losses on unfunded commitments	$	—	$	2,899	$	2,899

BUSINESS COMBINATIONS - Schedule of PCD Loans at Acquisition (Details) - USD ($) $ in Thousands		12 Months Ended
	Feb. 01, 2023	Dec. 31, 2023
Business Combination [Line Items]
Allowance for credit losses at acquisition		$ (1,247)
Town and Country
Business Combination [Line Items]
Unpaid principal balance	$ 89,822
Allowance for credit losses at acquisition	(1,247)
Non-credit discount	(2,218)
Purchase price	$ 86,357

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying Amount and Estimated Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financial assets:
Debt securities held-to-maturity	$ 426,799	$ 445,186
Financial liabilities:
Federal Home Loan Bank advances	12,301	13,231
Level 1 Inputs \| Carrying Amount
Financial assets:
Cash and cash equivalents	122,269	137,692
Level 1 Inputs \| Estimated Fair Value
Financial assets:
Cash and cash equivalents	122,269	137,692
Level 2 Inputs \| Carrying Amount
Financial assets:
Debt securities held-to-maturity	458,746	499,858
Accrued interest receivable	23,779	24,770
Financial liabilities:
Securities sold under agreements to repurchase	0	28,969
Accrued interest payable	3,813	5,096
Level 2 Inputs \| Estimated Fair Value
Financial assets:
Debt securities held-to-maturity	426,799	445,186
Accrued interest receivable	23,779	24,770
Financial liabilities:
Securities sold under agreements to repurchase	0	28,969
Accrued interest payable	3,813	5,096
Level 3 Inputs \| Carrying Amount
Financial assets:
Restricted stock	4,979	5,086
Loans, net	3,414,519	3,424,102
Investments in unconsolidated subsidiaries	1,614	1,614
Financial liabilities:
Time deposits	762,487	785,430
Federal Home Loan Bank advances	12,301	13,231
Level 3 Inputs \| Estimated Fair Value
Financial assets:
Restricted stock	4,979	5,086
Loans, net	3,379,845	3,418,318
Investments in unconsolidated subsidiaries	1,614	1,614
Financial liabilities:
Time deposits	759,589	779,997
Federal Home Loan Bank advances	11,465	13,159
Subordinated notes \| Level 3 Inputs \| Carrying Amount
Financial liabilities:
Debt instruments	0	39,553
Subordinated notes \| Level 3 Inputs \| Estimated Fair Value
Financial liabilities:
Debt instruments	0	38,316
Junior subordinated debentures \| Level 3 Inputs \| Carrying Amount
Financial liabilities:
Debt instruments	52,909	52,849
Junior subordinated debentures \| Level 3 Inputs \| Estimated Fair Value
Financial liabilities:
Debt instruments	$ 51,696	$ 47,942

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Modifications (Details)	12 Months Ended
	Dec. 31, 2025 USD ($) loan	Dec. 31, 2024 USD ($) loan
Receivables [Abstract]
Modifications to borrowers in financial difficulty \| loan	0	1
Loans modified to borrowers within last 12 months \| $	$ 0	$ 500,000

AUDIT INFORMATION	12 Months Ended
AUDIT INFORMATION	Dec. 31, 2025
Audit Information [Abstract]
Auditor Firm ID	49
Auditor Name	RSM US LLP
Auditor Location	Chicago, Illinois

REGULATORY CAPITAL

12 Months Ended

Dec. 31, 2025

Banking and Thrift, Other Disclosure [Abstract]

REGULATORY CAPITAL

The Company (on a consolidated basis) and the Bank are each subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by the regulators that, if undertaken, could have a direct material effect on the consolidated financial statements of the Company and the Bank. Additionally, the ability of the Company to pay dividends to its stockholders is dependent upon the ability of the Bank to pay dividends to the Company.

Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. As allowed under the regulations, the Company and the Bank elected to exclude accumulated other comprehensive income, including unrealized gains and losses on debt securities, in the computation of regulatory capital. Prompt corrective action provisions are not applicable to bank holding companies.

Additionally, the Company and the Bank must maintain a “capital conservation buffer” to avoid becoming subject to restrictions on capital distributions and certain discretionary bonus payments to management. The capital conservation buffer is 2.5% of risk-weighted assets.

As of December 31, 2025 and 2024, the Company and the Bank each met all capital adequacy requirements to which they were subject.

The actual and required capital amounts and ratios of the Company (on a consolidated basis) and the Bank were as follows:


	December 31, 2025
	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio

Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)	$	663,872	16.82	%	$	315,844	8.00	%	N/A		N/A
Tier 1 Capital (to Risk Weighted Assets)	620,630		15.72		236,883		6.00		N/A		N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)	569,335		14.42		177,662		4.50		N/A		N/A
Tier 1 Capital (to Average Assets)	620,630		12.26		202,443		4.00		N/A		N/A

Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)	$	651,379	16.52	%	$	315,520	8.00	%	$	394,400	10.00	%
Tier 1 Capital (to Risk Weighted Assets)	608,137		15.42		236,640		6.00		315,520		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)	608,137		15.42		177,480		4.50		256,360		6.50
Tier 1 Capital (to Average Assets)	608,137		12.02		202,314		4.00		252,893		5.00


	December 31, 2024
	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio

Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)	$	652,563	16.51	%	$	316,145	8.00	%	N/A		N/A
Tier 1 Capital (to Risk Weighted Assets)	573,203		14.50		237,109		6.00		N/A		N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)	521,968		13.21		177,831		4.50		N/A		N/A
Tier 1 Capital (to Average Assets)	573,203		11.51		199,167		4.00		N/A		N/A

Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)	$	635,878	16.11	%	$	315,825	8.00	%	$	394,781	10.00	%
Tier 1 Capital (to Risk Weighted Assets)	596,071		15.10		236,869		6.00		315,825		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)	596,071		15.10		177,651		4.50		256,608		6.50
Tier 1 Capital (to Average Assets)	596,071		11.98		199,030		4.00		248,787		5.00

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References + Details

SEGMENT INFORMATION (Details)	12 Months Ended
SEGMENT INFORMATION (Details)	Dec. 31, 2025 segment
Segment Reporting [Abstract]
Number of operating segments	1
Number of reportable segments	1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

12 Months Ended

Dec. 31, 2025

Accounting Policies [Abstract]

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

HBT Financial, Inc. (“HBT Financial” or the “Company”) is headquartered in Bloomington, Illinois and is the holding company for Heartland Bank and Trust Company (“Heartland Bank” or the “Bank”). The Bank provides a comprehensive suite of financial products and services to consumers, businesses, and municipal entities throughout Illinois and eastern Iowa. Additionally, the Company is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.

The consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”). Significant accounting policies are summarized below.

Basis of Consolidation

The consolidated financial statements of HBT Financial include the accounts of the Company and its wholly owned bank subsidiary, Heartland Bank. Heartland Bank also maintains two limited liability companies that holds specific assets for risk mitigation and tax planning purposes and are consolidated into HBT Financial's consolidated financial statements.

The Company also has eight wholly owned subsidiaries, Heartland Bancorp, Inc. Capital Trust B; Heartland Bancorp, Inc. Capital Trust C; Heartland Bancorp, Inc. Capital Trust D; FFBI Capital Trust I; National Bancorp Statutory Trust I; Town and Country Statutory Trust II; Town and Country Statutory Trust III; and West Plains Investors Statutory Trust I, which, in accordance with GAAP, are not consolidated as more fully described in Note 13.

Significant intercompany transactions and accounts have been eliminated in consolidation.

Use of Estimates

The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported results of operations for the periods then ended.

Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant changes in the near term relate to the determination of the allowance for credit losses.

Business and Significant Concentrations of Credit Risk

The Company provides several types of loans to consumers, businesses, and municipal entities, primarily located in its customer service area. Real estate and commercial loans are principal areas of concentration. The Company also strives to meet the borrowing needs of the consumers in its market areas. Extension of credit is generally limited to the primary trade areas of the Company. Primary deposit products of the Bank are noninterest-bearing and interest-bearing demand accounts, savings accounts, money market accounts, and term certificates of deposit.

Cash and Cash Equivalents

For purposes of reporting consolidated cash flows, cash and cash equivalents include cash on hand and amounts due from banks, all of which have an original maturity within 90 days or less. Cash flows from loans, deposits, and short-term Federal Home Loan Bank ("FHLB") advances are reported net.

Interest-Bearing Time Deposits with Banks

Interest-bearing time deposits with banks are carried at cost.

Debt Securities

Debt securities are classified as held-to-maturity when the Company has the positive intent and ability to hold the securities to maturity and are carried at amortized cost. Debt securities not classified as held-to-maturity are classified as available-for-sale. Debt securities available-for-sale are carried at fair value with unrealized gains and losses reported in accumulated other comprehensive income (loss). Realized gains and losses on debt securities available-for-sale are included in noninterest income when applicable and reported as a reclassification adjustment in other comprehensive income (loss). Gains and losses on sales are recorded on the trade date and determined using the specific identification method.

Interest income includes amortization of purchase premium or discount. Premiums and discounts on debt securities are amortized on the level-yield method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Premiums on callable debt securities are amortized to their earliest call date.

Any transfers of debt securities into the held-to-maturity category from the available-for-sale category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of transfer is retained in accumulated other comprehensive income (loss) and in the carrying value of the held-to-maturity securities. Such amounts are amortized over the period to maturity.

Allowance for Credit Losses – Debt Securities Available-for-Sale

For debt securities available-for-sale in an unrealized loss position, the Company first assesses whether it intends to sell, or if it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security amortized cost basis is written down to fair value through earnings. For debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income (loss).

Changes in the allowance for credit losses are recorded as provision for credit losses. Losses are charged against the allowance for credit losses when management believes the uncollectibility of a security is confirmed or when either the criteria regarding intent or requirement to sell is met.

Allowance for Credit Losses – Debt Securities Held-to-Maturity

For debt securities held-to-maturity, the Company measures expected credit losses on a collective basis by major security type. Held-to-maturity securities are evaluated using historical probability of default and loss given default information specific to the investment category. If this evaluation determines that credit losses exist, an allowance for credit loss is recorded and included in earnings as a component of provision for credit losses. The Company's U.S. government agency and agency mortgage-backed securities are explicitly or implicitly guaranteed by the U.S. government, and as such are excluded from the credit loss evaluation as the expectation of non-payment is zero.

Equity Securities

Equity securities with readily determinable fair values are measured at fair value with changes in fair value recognized in unrealized gains (losses) on equity securities on the statements of income.

The Company has elected to measure its equity securities with no readily determinable fair values at their cost minus impairment, if any, plus or minus charges resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer.

Restricted Stock

Restricted stock, which consists of FHLB stock, is carried at cost and evaluated for impairment.

Loans Held for Sale

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value. The Company obtains quotes or bids on these loans directly from purchasing financial institutions. Typically, these quotes include a premium on sale and thus quotes typically indicate fair value of the held for sale loans is greater than cost. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income.

Mortgage loans held for sale are generally sold with the mortgage servicing rights retained by the Company. The carrying value of mortgage loans sold is reduced by fair value allocated to the associated mortgage servicing rights. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold.

Loans

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at amortized cost net of the allowance for credit losses. Amortized cost is the unpaid principal balance outstanding, adjusted for charge-offs, net of purchase premiums and discounts, and deferred loan fees and costs.

Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.

The accrual of interest on loans is discontinued at the time the loan is 90 days past due, unless the credit is well-secured and in process of collection. Past due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.

All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income if it was accrued during the current year and charged-off against the allowance for credit losses if accrued in a prior year. Amortization of related deferred loan fees or costs and any purchase premium or discount is also suspended at this time. The interest on these loans is accounted for on the cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, future payments are reasonably assured, and the borrower must generally demonstrate at least 6 months of payment performance.

Purchased Credit Deteriorated Loans

Purchased credit deteriorated loans (“PCD loans”) are purchased loans, that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. An allowance for credit losses is determined using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The sum of a loan's purchase price and allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the unpaid principal balance of a loan is a non-credit discount or premium which is amortized into interest income over the life of the loan.

Non-Purchased Credit Deteriorated Loans

Non-purchased credit deteriorated loans (“non-PCD loans”) are purchased loans, that, as of the date of acquisition, have not experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The loan’s purchase price becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the unpaid principal balance of the loan is a discount or premium, which is comprised of a credit and non-credit component, and is accreted or amortized into interest income over the life of the loan.

An allowance for credit losses is determined using the same methodology as other loans held for investment, but no "Day One" allowance for credit losses is established on the date of acquisition. Instead, a subsequent "Day Two" allowance for credit losses for non-PCD loans is recorded through the provision for credit losses, which reflects the estimated lifetime credit losses.

Allowance for Credit Losses – Loans

The allowance for credit losses for loans is a valuation account that is deducted from the loans' amortized cost basis to present the net amount expected to be collected on the loans. The Company’s estimate of the allowance for credit losses for loans reflects losses expected over the remaining contractual life of the loans, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions.

Loans are charged off against the allowance for credit losses when management believes the uncollectibility of a loan balance is confirmed. Recoveries are recognized up to the aggregate amount of previously charged-off balances. The allowance for credit losses is established through provision for credit loss expense charged to income.

The allowance for credit losses is measured on a collective (pooled) basis when similar risk characteristics exist. The Company has identified the following portfolio segments:

Commercial and Industrial: Consists of loans typically granted for working capital, asset acquisition and other business purposes. These loans are underwritten primarily based on the borrower’s cash flow with most loans secondarily supported by collateral. Most commercial and industrial loans are secured by the assets being financed or other business assets, such as accounts receivable, inventory, and equipment, and are typically supported by personal guarantees of the owners. Cash flows and collateral values may fluctuate based on general economic conditions, specific industry conditions and specific borrower circumstances.

Commercial Real Estate - Owner Occupied: Consists of loans secured by commercial real estate that is both owned and occupied by the same or a related borrower. These loans are primarily underwritten based on the cash flow of the business occupying the property. As with commercial and industrial loans, cash flows and collateral values may fluctuate based on general economic conditions, specific industry conditions, and specific borrower circumstances.

Commercial Real Estate - Non-owner Occupied: Consists of loans secured by commercial real estate for which the primary source of repayment is the sale or rental cash flows from the underlying collateral. These loans are underwritten based primarily on the historic or projected cash flow from the underlying collateral. Adverse economic developments, or an overbuilt market, typically impact commercial real estate projects. Trends in rental and vacancy rates of commercial properties may impact the credit quality of these loans.

Construction and Land Development: Consists of loans for speculative and pre-sold construction projects for developers intending to either sell upon completion or hold for long-term investment, as well as construction of projects to be owner occupied. In addition, loans in this segment generally possess a higher inherent risk of loss than other portfolio segments due to risk of non-completion, changes in budgeted costs, and changes in market forces during the term of the construction period.

Multi-family: Consists of loans secured by five or more unit apartment buildings. Multi-family loans may be affected by demographic and population trends, unemployment or underemployment, and deteriorating market values of real estate.

One-to-four Family Residential: Consists of loans secured by one-to-four family residences, including both first and junior lien mortgage loans for owner occupied and non-owner occupied properties and home equity lines of credit. The degree of risk in residential mortgage lending depends on the local economy, including the local real estate market and unemployment rates.

Agricultural and Farmland: Consists of loans typically secured by farmland, agricultural operating assets, or a combination of both, and are generally underwritten to existing cash flows of operating agricultural businesses. Debt repayment is provided by business cash flows. The credit quality of these loans is significantly influenced by changes in prices of corn and soybeans and, to a lesser extent, weather, which has been partially mitigated by federal crop insurance programs.

Municipal, Consumer and Other: Loans to municipalities include obligations of municipal entities and loans sponsored by municipal entities for the benefit of a private entity where that private entity, rather than the municipal entity, is responsible for repayment of the obligation. Consumer loans include loans to individuals for consumer purposes and typically consist of small balance loans. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of the consumer loans. Loans to non-depository financial institutions, as well as leases, are also included.

The Company uses the discounted cash flow method to estimate expected credit losses for all loan segments, except for consumer loans. Under this method, cash flow projections at the instrument-level are adjusted for estimated prepayments, probability of default, loss given default, and time to recovery. These cash flow projections are discounted at the instrument-level effective yield to calculate the present value of expected cash flows. An allowance for credit losses is established for the difference between a pool's total amortized cost basis and present value of expected cash flows.

The Company uses the weighted average remaining maturity method to estimate expected credit losses for consumer loans. Under this method, an expected loss rate is applied to an estimate of future outstanding balance balances of the pool.

The Company uses regression analysis of historical internal and peer data to determine which variables are best suited to be economic variables utilized when modeling lifetime probability of default in the discounted cash flow models and loss rates in the weighted average remaining maturity model. The analysis also determines how expected probability of default and loss rates will react to forecasted levels of the economic variables. In addition, qualitative adjustments are made for risk factors that are not considered within our modeling processes but are nonetheless relevant in assessing the expected credit losses within our loan pools.

Management estimates the allowance for credit losses on loans using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. As historical credit loss experience provides the basis for the estimation of expected credit losses for pooled loans, adjustments may be necessary to capture differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in environmental conditions.

Loans that do not share risk characteristics are evaluated on an individual basis. Loan evaluated individually are not also included in the pooled evaluation. When management determines that foreclosure is probable, or when the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for anticipated selling costs as appropriate.

Although management believes the allowance for credit losses to be adequate, ultimate losses may vary from its estimates. At least quarterly, the Allowance for Credit Losses Committee reviews the adequacy of the allowance, including consideration of the relevant risks in the portfolio, current economic conditions and other factors. In addition, the Company’s regulators review the adequacy of the allowance for credit losses and may require additions to the allowance for credit losses based on their judgment about information available at the time of their examinations.

Unfunded Lending-related Commitments

In the ordinary course of business, the Company has entered into commitments to extend credit, such as lines of credit, commercial letters of credit, and standby letters of credit. Such financial instruments are recorded when they are funded.

Allowance for Credit Losses – Unfunded Lending-related Commitments

Loan Servicing

The Company periodically sells mortgage loans on the secondary market with servicing retained. For sales of mortgage loans, a portion of the cost of originating the loan is allocated to the servicing right based on fair value. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds, and default rates and losses. Mortgage servicing rights are carried at fair value on the consolidated balance sheets and changes in fair value are recorded in mortgage servicing rights fair value adjustment on the consolidated statements of income.

Bank Owned Life Insurance

Bank owned life insurance represents life insurance policies on the lives of certain current and former employees and directors for which the Company is the sole owner and beneficiary. These policies are recorded as an asset in the consolidated balance sheets at their cash surrender value ("CSV") or the current amount that could be realized if settled. The change in CSV and insurance proceeds received are included as a component of noninterest income in the consolidated statements of income.

Bank Premises and Equipment

Land is carried at cost. Bank premises and equipment are carried at cost less accumulated depreciation. Depreciation is computed over the estimated useful lives of the individual assets using the straight-line method.

Bank Premises Held for Sale

Bank premises held for sale is carried at the lower of cost or fair value less estimated costs to sell. Bank premises classified as held for sale are not depreciated.

Impairment of Long-Lived Assets

The Company reviews long-lived assets for impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is

measured by a comparison of the carrying amount of an asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. Assets to be disposed of are reported at the lower of carrying amount or fair value less estimated costs to sell.

Lease Obligations

The Company leases certain bank premises under non-cancelable operating leases in the normal course of business operations. These lease obligations result in the recognition of right-of-use assets and associated lease contract liabilities. The amount of right-of-use assets and associated lease contract liabilities recorded is based on the present value of future minimum lease payments. The discount rate used is equal to the rate implicit in the lease, when readily determinable, or the Company’s incremental borrowing rate at lease inception, on a collateralized basis over a similar term. Right-of-use assets are included in other assets and lease contract liabilities are included in other liabilities in the consolidated balance sheets and were insignificant as of December 31, 2025 and 2024.

Foreclosed Assets

When it appears likely that we will obtain title to real estate collateral, we develop an exit strategy by assessing overall market conditions, the current use and condition of the asset, and its highest and best use. If determined necessary to maximize value, we complete the necessary improvements or tenant stabilization tasks, with the applicable time value discount and improvement expenses incorporated into our estimates of the expected costs to sell. Substantially all foreclosed real estate is valued on an "as-is" basis.

Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less anticipated selling costs at the date of foreclosure, establishing a new cost basis. For foreclosed real estate, selling costs are generally estimated to be 7.0% of the fair value. This estimate includes sales commissions and closing costs.

Any write-down based on the fair value of the asset at the date of acquisition is charged to the allowance for credit losses. If the fair value of the asset less estimated cost to sell exceeds the recorded investment in the loan at the date of foreclosure, the increase in value is charged to current year operations unless there has been a prior charge-off, in which case a recovery to the allowance for credit losses is recorded. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Write-downs of foreclosed assets subsequent to foreclosure are charged to current year operations as are gains and losses from sale of foreclosed assets. Costs to maintain and hold foreclosed assets are expensed.

Goodwill and Other Intangible Assets

Goodwill represents the excess of the original cost over the fair value of assets acquired and liabilities assumed. Goodwill is not amortized but instead is subject to an annual impairment evaluation. The Company has selected December 31 as the date to perform the annual impairment test. At December 31, 2025 and 2024, the Company’s evaluations of goodwill indicated that goodwill was not impaired.

Other identifiable intangible assets consist of core deposit intangible and customer relationship intangible assets with definite useful lives which are being amortized over 10 years. The Company will periodically review the status of core deposit intangible and customer relationship intangible assets for any events or circumstances which may change the recoverability of the underlying basis.

Wealth Management Assets and Fees

Assets of the wealth management department of the Bank are not included in the consolidated balance sheets as such assets are not assets of the Company or the Bank. Fee income generated from wealth management services is recorded in the consolidated statements of income as a source of noninterest income.

Employee Benefit Plans

The Company sponsors a profit sharing plan under which the Company may contribute, at the discretion of the Board of Directors, a discretionary amount to all participating employees for the plan year. The Company may also make discretionary matching contributions in an amount up to 5% of compensation contributed by employees.

Stock Based Compensation

The Company recognizes compensation cost over the requisite service period, if any, which is generally defined as the vesting period. For awards classified as equity, compensation cost is based on the fair value of the awards on the grant date. For awards classified as liabilities, compensation cost also includes subsequent remeasurements of the fair value of the awards until the award is settled. The Company’s policy is to recognize forfeitures as they occur.

Transfers of Financial Assets and Participating Interests

Transfers of an entire financial asset or a participating interest in an entire financial asset are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

The transfer of a participating interest in an entire financial asset must also meet the definition of a participating interest. A participating interest in a financial asset has all of the following characteristics: (1) from the date of transfer, it must represent a proportionate (pro rata) ownership interest in the financial asset, (2) from the date of transfer, all cash flows received, except any cash flows allocated as any compensation for servicing or other services performed, must be divided proportionately among participating interest holders in the amount equal to their share ownership, (3) the rights of each participating interest holder must have the same priority, and (4) no party has the right to pledge or exchange the entire financial asset unless all participating interest holders agree to do so.

Advertising Costs

Advertising costs are expensed as incurred.

Income Taxes

Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.

With regard to uncertain tax matters, the Company recognizes in the consolidated financial statements the impact of a tax position taken, or expected to be taken, if it is more likely than not that the position will be sustained on audit based on the technical merit of the position. Management has analyzed the tax positions taken by the Company and concluded as of December 31, 2025 and 2024, there are no material uncertain tax positions taken or expected to be taken that require recognition of a liability or disclosure in the consolidated financial statements. When applicable, the Company recognizes interest accrued related to unrecognized tax benefits and penalties in operating expenses.

Low Income Housing Tax Credits

The Company holds an ownership interest in a limited liability company, as a limited partner, that invests in affordable housing projects. This investment is designed to generate a return primarily through the realization of federal tax credits and deductions, which may be subject to recapture by taxing authorities if compliance requirements are not met. The Company accounts for its low income housing investments using the proportional amortization method.

The Company’s investment in the qualified affordable housing project meets the definition of a variable interest entity ("VIE") as the entity is structured such that the limited partner investors lack substantive voting rights. The managing member has both the power to direct the activities that most significantly impact the economic performance of the entity and the obligation to absorb losses or the right to receive benefits that could be significant to the entity. Accordingly, the Company is not the primary beneficiary and is not required to consolidate this entity. The Company's maximum exposure to loss is limited to the carrying amount of the investment, which was $6.6 million as of December 31, 2025.

Derivative Financial Instruments

As part of the Company’s asset/liability management, the Company may use interest rate swaps to hedge various exposures or to modify interest rate characteristics of various balance sheet accounts. Derivatives that are used as part of the asset/liability management process are linked to specific assets or liabilities, or pools of assets or liabilities, and have high correlation between the contract and the underlying item being hedged, both at inception and throughout the hedge period.

All derivatives are recognized on the consolidated balance sheet at their fair value. On the date the derivative contract is entered into, the Company may designate the derivative as a hedge of a forecasted transaction or of the variability of cash flows to be received or paid related to a recognized asset or liability "cash flow" hedge. Changes in the fair value of a derivative that is highly effective and that is designated and qualifies as a cash-flow hedge are recorded in other comprehensive income (loss), until earnings are affected by the variability of cash flows (e.g., when periodic settlements on a variable-rate asset or liability are recorded in earnings).

The Company formally documents all relationships between hedging instruments and hedged items, as well as its risk-management objective and strategy for undertaking various hedged transactions. This process includes linking all derivatives that are designated as cash flow hedges to specific assets and liabilities on the balance sheet or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivatives that are used in hedging transactions are highly effective in offsetting changes in cash flows of hedged items. When it is determined that a derivative is not highly effective as a hedge or that it has ceased to be a highly effective hedge, the Company discontinues hedge accounting prospectively.

The Company discontinues hedge accounting prospectively when (a) it is determined that the derivative is no longer highly effective in offsetting changes in the cash flows of a hedged item (including forecasted transactions); (b) the derivative expires or is sold, terminated, or exercised; (c) the derivative is dedesignated as a hedge instrument, because it is unlikely that a forecasted transaction will occur; or (d) management determines that designation of the derivative as a hedge instrument is no longer appropriate.

When hedge accounting is discontinued because it is probable that a forecasted transaction will not occur, the derivative will continue to be carried on the consolidated balance sheet at its fair value, and gains and losses that were accumulated in other comprehensive income (loss) will be recognized immediately in earnings. In all other situations in which hedge accounting is discontinued, the derivative will be carried at its fair value on the balance sheet, with subsequent changes in its fair value recognized in current-period earnings.

Comprehensive Income (Loss)

Accounting principles generally require that recognized revenue, expenses, gains, and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on securities available-for-sale and fair value changes of interest rate swap agreements designated as cash flow hedges, are reported as a separate component of the equity section of the consolidated balance sheets, such items, along with net income, are components of comprehensive income (loss).

In conjunction with changes to the Company's applicable income tax rates, such as the impact of the conversion to a C Corporation in 2019, the Company recorded deferred income tax expense of $3.4 million related to the unrealized gains (losses) on debt securities through the income statement in accordance with ASC 740, Income Taxes. This difference will remain in accumulated other comprehensive income (loss) until the underlying debt securities are sold or mature or the underlying cash flow hedging relationships terminate in accordance with the portfolio approach.

Fair Value of Financial Instruments

Fair value of financial instruments is estimated using relevant market information and other assumptions, as more fully disclosed in Note 22 – Fair Value of Financial Instruments. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Revenue from Contracts with Customers

ASC 606, Revenue from Contracts with Customers, requires an entity to recognize revenue in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. To achieve this, the Company takes the following steps: identify the contract(s) with a customer; identify the performance obligations in the contract; determine the transaction price; allocate the transaction price to the performance obligations in the contract; and recognize revenue when (or as) the Company satisfies a performance obligation. The noninterest revenue streams that are considered to be in the scope of this guidance are discussed below.

Card income: Consists of debit and credit card interchange fees. For debit and credit card transactions, the Company considers the merchant as the customer for interchange revenue with the performance obligation being satisfied when the cardholder purchases goods or services from the merchant. Interchange revenue is recognized as the services are provided. Payment is typically received daily.

Wealth management fees: Consists of revenue from the management and advisement of financial client assets and non-financial client assets, such as farmland, and trust administration. The Company’s performance obligation is generally satisfied over time, and the fees are recognized monthly. Payment is typically received quarterly or annually.

Service charges on deposit accounts: Consists of account analysis fees, monthly service fees, and other deposit account related fees. The Company’s performance obligation account analysis fees and monthly service fees are ongoing and either party may cancel at any time. These fees are generally recognized as the services are rendered on a monthly basis. Payment is typically received monthly. Other deposit account related fees are largely transaction based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for other deposit account related fees is primarily received immediately through a direct charge to customers’ accounts.

Reclassifications

Certain prior period amounts have been reclassified to conform to the current period presentation without any impact on the reported amounts of net income or stockholders’ equity.

Subsequent Events

In preparing these consolidated financial statements, the Company has evaluated events and transactions for potential recognition or disclosure through the date the consolidated financial statements were issued.

Impact of Recently Adopted Accounting Standards

On January 1, 2023, the Company adopted Accounting Standards Update (“ASU”) 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended, which replaces the incurred loss methodology with an expected loss methodology, commonly referred to as the current expected credit losses (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and debt securities held-to-maturity. It also applies to off-balance sheet credit exposures not accounted for as insurance, such as loan commitments and letters of credit. In addition, ASC 326 made changes to the accounting for debt securities available-for-sale. One such change is to require credit losses be presented as an allowance rather than as a write-down on debt securities available-for-sale management does not intend to sell or believes that it is more likely than not they will be required to sell.

The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance sheet credit exposures. Results for reporting periods beginning after December 31, 2022 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a net decrease to retained earnings of $6.9 million as of January 1, 2023 for the cumulative effect of adopting ASC 326. The following table illustrates the impact of ASC 326 on the allowance for credit losses:


	January 1, 2023
(dollars in thousands)	Pre-ASC 326 Adoption		Impact of ASC 326 Adoption		As Reported under ASC 326

Assets:
Allowance for credit losses on loans
Commercial and industrial	$	3,279	$	(822)	$	2,457
Commercial real estate - owner occupied	1,193		587		1,780
Commercial real estate - non-owner occupied	6,721		501		7,222
Construction and land development	4,223		1,969		6,192
Multi-family	1,472		85		1,557
One-to-four family residential	1,759		797		2,556
Agricultural and farmland	796		1,567		2,363
Municipal, consumer, and other	5,890		2,299		8,189
Allowance for credit losses on loans	$	25,333	$	6,983	$	32,316

Liabilities:
Allowance for credit losses on unfunded commitments	$	—	$	2,899	$	2,899

The Company also adopted ASC 326 using the prospective transition approach for purchase credit deteriorated (“PCD”) financial assets that were previously classified as purchased credit impaired (“PCI”) and accounted for under ASC 310-30. In accordance with ASC 326, management did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption. On January 1, 2023, the amortized cost basis of the PCD assets were adjusted to reflect the addition of $0.2 million to the allowance for credit losses. The remaining noncredit discount will be accreted into interest income at the effective interest rate as of January 1, 2023.

On January 1, 2024, the Company adopted ASU 2023-02, Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force). ASU 2023-02 permits an election to use the proportional amortization method to account for equity investments made primarily for the purpose of receiving income tax credits and other income tax benefits, regardless of the tax credit program from which the income tax credits are received, provided that certain conditions are met. The proportional amortization method results in the cost of the investment being amortized in proportion to the income tax credits and other income tax benefits received, with the amortization of the investment and the income tax credits being presented net in the income statement as a component of income tax expense. The Company adopted ASU 2023-02 using the modified retrospective method. The Company recorded a $0.1 million increase to retained earnings and decrease to deferred tax liability, as well as a $7.2 million increase to other assets and other liabilities, as a result of the adoption.

On January 1, 2024, the Company adopted ASU 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging – Portfolio Layer Method. ASU 2022-01 replaces the current last-of-layer hedge accounting method with an expanded portfolio layer method that permits multiple hedged layers of a single closed portfolio. The scope of the portfolio layer method is also expanded to include non-prepayable financial assets. ASU 2022-01 also provides additional guidance on the accounting for and disclosure of hedge basis adjustments that are applicable to the portfolio layer method, and specifies how hedge basis adjustments should be considered when determining credit losses for the assets included in the closed portfolio. Amendments related to hedge basis adjustments which are included in this standard apply on a modified retrospective basis by means of a cumulative-effect adjustment to the opening balance of retained earnings on the initial application date. Amendments related to disclosure which are included in this standard may be applied on a prospective basis from the initial application date, or on a retrospective basis to each prior period presented after the date of adoption of the amendments in ASU 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities. The amendments in this update are effective for years beginning after December 15, 2023, including interim periods within those years. Early adoption is permitted. This standard did not have an impact on the Company’s consolidated results of operations or financial position.

On January 1, 2024, the Company adopted ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions. ASU 2022-03 clarifies that a contractual restriction on the sale of an equity security is not considered part of the unit of account of the equity security and, therefore, is not considered in measuring fair value and that contractual sale restrictions cannot be recognized and measured as a separate unit of account. The amendments in this update are effective for years beginning after December 15, 2023, including interim periods within those years. This standard did not have an impact on the Company’s consolidated results of operations or financial position.

On January 1, 2024, the Company adopted ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. ASU 2023-07 expands disclosure requirements for significant segment expenses under Topic 280. The amendments require public entities to disclose significant expense categories for each reportable segment, other segment items, the title and position of the chief operating decision-maker, and interim disclosures of certain segment-related information previously required only on an annual basis. The amendments clarify that entities reporting single segments must disclose both the new and existing segment disclosures under Topic 280, and a public entity is permitted to disclose multiple measures of segment profit or loss if certain criteria are met. The amendments in this update are effective for years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 31, 2024. ASU 2023-07 must be applied on a retrospective basis. Early adoption is permitted. This standard did not have an impact on the Company’s consolidated results of operations or financial position.

On January 1, 2025, the Company adopted ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. ASU 2023-09 expands income tax disclosure requirements. The amendments require annual disclosure of certain information relating to the rate reconciliation, income taxes paid by jurisdiction, income (loss) from continuing operations before income tax expense (benefit) disaggregated between domestic and foreign, income tax expense (benefit) from continuing operations disaggregated by federal (national), state, and foreign. The amendments also eliminate certain requirements relating to unrecognized tax benefits and certain deferred tax disclosure relating to subsidiaries and corporate joint ventures. The amendments in this update are effective for years beginning after December 15, 2024. The Company adopted ASU 2023-09 retrospectively. This standard did not have an impact on the Company’s consolidated results of operations or financial position.

Recent Accounting Pronouncements

In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. ASU 2024-03 provides more decision-useful information about a public entity's expenses by requiring additional detail on expenses reported in income statements. Under the ASU, public entities will provide detailed disclosure in interim and annual periods of specified categories underlying certain expense captions. The ASU requires public entities to apply the amendments prospectively, with an option to use retrospective application. The amendments in this update are effective for years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. This standard is not expected to have a material impact on the Company's consolidated results of operations or financial position.

In November 2025, the FASB issued ASU 2025-08, Financial Instruments - Credit Losses (Topic 326): Purchased Loans. ASU 2025-08 expands the population of acquired financial assets subject to the gross-up approach in Topic 326. Loans (excluding credit cards) acquired without credit deterioration and deemed "seasoned" are purchased seasoned loans and accounted for using the gross-up approach at acquisition. All non-PCD loans (excluding credit cards) that are acquired in a business combination are deemed seasoned. Other non-PCD loans (excluding credit cards) are seasoned if they were purchased at least 90 days after origination and the acquirer was not involved in the origination of the loans. The amendments in this update are effective for years beginning after December 15, 2026, and interim periods within those annual reporting periods. Early adoption is permitted, and the Company adopted this update on January 1, 2026. This standard is not expected to have a material impact on the Company's consolidated results of operations or financial position.

In November 2025, the FASB issued ASU 2025-09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements. ASU 2025-09 provides clarification on certain aspects of the guidance on hedge accounting and addresses several incremental hedge accounting issues arising from the global reference rate reform. Consistent with the original objective of ASU 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities, the objective of ASU 2025-09 is to more closely align hedge accounting with the economics of an entity's risk management activities. The ASU requires public entities to apply the amendments prospectively. The amendments in this update are effective for years beginning after December 15, 2026, and interim periods within those annual reporting periods. Early adoption is permitted. This standard is not expected to have a material impact on the Company's consolidated results of operations or financial position.

In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements. ASU 2025-11 clarifies interim disclosure requirements and the applicability of Topic 270, Interim Reporting. The amendments result in a comprehensive list of interim disclosures required by GAAP. The amendment also adds a principle that requires entities to disclose events since the end of the last annual reporting period that have a material impact on the entity. The ASU allows public entities to apply the amendments either prospectively or retrospectively. The amendments in this update are effective for interim periods within annual reporting periods beginning after December 15, 2027. Early adoption is permitted. This standard is not expected to have a material impact on the Company's consolidated results of operations or financial position.

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Gross Chargeoffs by Origination Year (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Gross Charge-Offs
Year one	$ 383	$ 421
Year two	187	1,328
Year three	1,031	138
Year four	242	203
Year five	47	4
Prior	484	722
Revolving Loans	1,487	468
Revolving Loans Converted to Term	0	0
Total	3,861	3,284	$ 1,359
Commercial and industrial
Gross Charge-Offs
Year one	12	0
Year two	1	1,264
Year three	905	75
Year four	195	0
Year five	46	0
Prior	0	11
Revolving Loans	1,290	98
Revolving Loans Converted to Term	0	0
Total	2,449	1,448	428
Commercial real estate - owner occupied
Gross Charge-Offs
Year one	0	6
Year two	0	0
Year three	124	0
Year four	0	0
Year five	1	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	125	6	5
Commercial real estate - non-owner occupied
Gross Charge-Offs
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	0	0	202
Construction and land development
Gross Charge-Offs
Year one	0	0
Year two	2	0
Year three	0	0
Year four	2	0
Year five	0	0
Prior	4	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	8	0	0
Multi-family
Gross Charge-Offs
Year one	0	0
Year two	80	0
Year three	0	0
Year four	0	188
Year five	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	80	188	0
One-to-four family residential
Gross Charge-Offs
Year one	0	0
Year two	20	1
Year three	0	8
Year four	45	15
Year five	0	4
Prior	480	182
Revolving Loans	3	88
Revolving Loans Converted to Term	0	0
Total	548	298	34
Agricultural and farmland
Gross Charge-Offs
Year one	0	0
Year two	9	0
Year three	0	44
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans	15	18
Revolving Loans Converted to Term	0	0
Total	24	62	0
Municipal, consumer, and other
Gross Charge-Offs
Year one	371	415
Year two	75	63
Year three	2	11
Year four	0	0
Year five	0	0
Prior	0	529
Revolving Loans	179	264
Revolving Loans Converted to Term	0	0
Total	$ 627	$ 1,282	$ 690

DEPOSITS - Interest Expense on Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Interest-bearing demand	$ 6,498	$ 5,499	$ 3,130
Money market	18,112	18,637	7,352
Savings	1,540	1,621	1,033
Time	25,539	28,183	10,784
Brokered	0	2,107	2,836
Total interest expense on deposits	$ 51,689	$ 56,047	$ 25,135

STOCK-BASED COMPENSATION PLANS - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Restricted stock units
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Number of shares participant is entitled to receive (in shares)	1
Fair value of units granted	$ 1,100,000	$ 1,000,000.0	$ 1,000,000.0
Intrinsic value of restricted stock units	1,400,000	1,400,000	1,100,000
Unrecognized compensation cost related to non-vested stock-based compensation agreements	$ 700,000
Weighted average remaining service period	1 year 6 months
Performance restricted stock units
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Intrinsic value of restricted stock units	$ 1,100,000	800,000
Unrecognized compensation cost related to non-vested stock-based compensation agreements	$ 300,000
Weighted average remaining service period	1 year 2 months 12 days
Performance restricted stock units \| Share-Based Payment Arrangement, Employee
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Fair value of units granted	$ 400,000	400,000	$ 400,000
Performance restricted stock units \| Minimum
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Percentage of the number of units granted that may be earned	0.00%
Performance restricted stock units \| Maximum
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Percentage of the number of units granted that may be earned	150.00%
Stock appreciation rights
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Unrecognized compensation cost related to non-vested stock-based compensation agreements	$ 0
Weighted average remaining contractual term	3 years 8 months 12 days
Stock appreciation rights plan liability recorded for the outstanding units	$ 700,000	$ 500,000
Omnibus Incentive Plan
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Authorized number of shares (in shares)	1,820,000

BORROWINGS	12 Months Ended
BORROWINGS	Dec. 31, 2025
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS FHLB advances totaled $12.3 million with a weighted average interest rate of 0.66% as of December 31, 2025 and totaled $13.2 million with a weighted average interest rate of 0.54% as of December 31, 2024. The FHLB advances outstanding as of December 31, 2025 mature between 2026 and 2030. Borrowings from the FHLB are secured by the FHLB stock held by the Company and pledged security in the form of qualifying loans. The loans pledged as of December 31, 2025 and 2024 totaled $1.96 billion and $1.91 billion, respectively. As of December 31, 2025 and 2024, loans pledged also served as collateral for credit exposure of $0.4 million associated with the Bank’s participation in the FHLB’s Mortgage Partnership Finance Program. As of December 31, 2025 and 2024, loans pledged also served as collateral for letters of credit for the benefit of uninsured public funds deposits totaling $70.2 million and $70.0 million, respectively. The Bank also had available borrowings through the discount window of the Federal Reserve Bank of Chicago. Available borrowings are based on the collateral pledged. As of December 31, 2025 and 2024, debt securities with a carrying value of $119.6 million and $108.0 million, respectively, were pledged to secure available borrowings.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(c))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (b)
-Publisher FASB
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+ Details

INCOME TAXES - Schedule of Expense Differs from the Statutory Federal Rate (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Amount
Federal income tax, at US statutory rate	$ 21,946	$ 20,450	$ 18,602
State taxes, net of federal benefit	6,711	6,174	5,838
Nontaxable or nondeductible items:
Federally tax exempt interest income	(1,417)	(1,391)	(1,767)
Other	255	89	266
Tax credits	(186)	(137)	(190)
Other	189	418	(10)
Income tax expense	$ 27,498	$ 25,603	$ 22,739
Federal income tax expense:
Federal income tax, at US statutory rate	21.00%	21.00%	21.00%
State taxes, net of federal benefit	6.40%	6.30%	6.60%
Nontaxable or nondeductible items:
Federally tax exempt interest income	(1.30%)	(1.40%)	(2.00%)
Other	0.20%	0.10%	0.30%
Tax credits	(0.20%)	(0.10%)	(0.20%)
Other	0.20%	0.40%	0.00%
Income tax expense	26.30%	26.30%	25.70%

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Broker-Dealer [Abstract]
Balance at end of year	$ 0	$ 28,969
Weighted average rate as of end of year	0.00%	2.58%
Fair value of securities underlying the agreements	$ 0	$ 34,335
Carrying value of securities underlying the agreements	$ 0	$ 37,628

- Definition

Amount, after the effects of master netting arrangements, of funds outstanding borrowed in the form of a security repurchase agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Includes liabilities not subject to a master netting arrangement and not elected to be offset.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
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-Section S50
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

+ Details

SUBORDINATED NOTES - Narrative (Details) - USD ($) $ in Thousands			12 Months Ended
	Sep. 15, 2025	Sep. 03, 2020	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
SUBORDINATED NOTES
Loss on extinguishment of debt			$ 391	$ 0	$ 0
Subordinated notes
SUBORDINATED NOTES
Subordinated notes, at face value	$ 40,000	$ 40,000	$ 0	$ 40,000
Fixed interest rate		4.50%
Initial term after issuance		5 years
Spread on interest rate basis		4.37%
Subsequent term		5 years
Redemption price percentage		100.00%
Loss on extinguishment of debt	$ 400
Qualifies as Tier 2 capital				100.00%

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)

12 Months Ended

Dec. 31, 2025

Accounting Policies [Abstract]

Basis of Consolidation

Significant intercompany transactions and accounts have been eliminated in consolidation.

Use of Estimates

Business and Significant Concentrations of Credit Risk

Cash and Cash Equivalents

Interest-Bearing Time Deposits with Banks

Interest-bearing time deposits with banks are carried at cost.

Debt Securities

Allowance for Credit Losses – Debt Securities Available-for-Sale

Allowance for Credit Losses – Debt Securities Held-to-Maturity

Equity Securities

Equity securities with readily determinable fair values are measured at fair value with changes in fair value recognized in unrealized gains (losses) on equity securities on the statements of income.

Restricted Stock

Restricted stock, which consists of FHLB stock, is carried at cost and evaluated for impairment.

Loan Held for Sale

Loans Held for Sale

Loans

Purchased Credit Deteriorated Loans

Non-Purchased Credit Deteriorated Loans

Allowance for Credit Losses – Loans

The allowance for credit losses is measured on a collective (pooled) basis when similar risk characteristics exist. The Company has identified the following portfolio segments:

Unfunded Lending-related Commitments and Allowance for Credit Losses - Unfunded Lending-related Commitments

Unfunded Lending-related Commitments

Allowance for Credit Losses – Unfunded Lending-related Commitments

Loan Servicing

Bank Owned Life Insurance

Bank Premises and Equipment

Bank Premises Held for Sale

Bank premises held for sale is carried at the lower of cost or fair value less estimated costs to sell. Bank premises classified as held for sale are not depreciated.

Impairment of Long-Lived Assets

Lease Obligations

Foreclosed Assets

Goodwill and Other Intangible Assets

Wealth Management Assets and Fees

Employee Benefit Plans and Stock Based Compensation

Employee Benefit Plans

Stock Based Compensation

Transfers of Financial Assets and Participating Interests

Advertising Costs

Advertising costs are expensed as incurred.

Income Taxes

Low Income Housing Tax Credits

Derivative Financial Instruments

Comprehensive Income (Loss)

Fair Value of Financial Instruments

Revenue from Contracts with Customers

Reclassifications

Certain prior period amounts have been reclassified to conform to the current period presentation without any impact on the reported amounts of net income or stockholders’ equity.

Subsequent Events

Impact of Recent Adopted Accounting Standards and Recent Accounting Pronouncements

Impact of Recently Adopted Accounting Standards


	January 1, 2023
(dollars in thousands)	Pre-ASC 326 Adoption		Impact of ASC 326 Adoption		As Reported under ASC 326

Assets:
Allowance for credit losses on loans
Commercial and industrial	$	3,279	$	(822)	$	2,457
Commercial real estate - owner occupied	1,193		587		1,780
Commercial real estate - non-owner occupied	6,721		501		7,222
Construction and land development	4,223		1,969		6,192
Multi-family	1,472		85		1,557
One-to-four family residential	1,759		797		2,556
Agricultural and farmland	796		1,567		2,363
Municipal, consumer, and other	5,890		2,299		8,189
Allowance for credit losses on loans	$	25,333	$	6,983	$	32,316

Liabilities:
Allowance for credit losses on unfunded commitments	$	—	$	2,899	$	2,899

Recent Accounting Pronouncements

Fair Value of Financial Instruments

FAIR VALUE OF FINANCIAL INSTRUMENTS

Level 1 - Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Company has the ability to access as of the measurement date.

Level 3 - Significant unobservable inputs that reflect a Company’s own assumptions about the assumptions that market participants would use in pricing as asset or liability.

Recurring Basis

The following is a description of the methods and significant assumptions used to measure the fair value of assets and liabilities on a recurring basis.

Investment Securities

Mortgage Servicing Rights

Derivative Financial Instruments

Loans Held for Sale

Collateral-Dependent Loans

Bank Premises Held for Sale

Foreclosed Assets

Cash and Cash Equivalents

The carrying amounts of these financial instruments approximate their fair values.

Restricted Stock

The carrying amount of FHLB stock approximates fair value based on the redemption provisions of the FHLB.

Loans

Investments in Unconsolidated Subsidiaries

The fair values of the Company’s investments in unconsolidated subsidiaries are presumed to approximate carrying amounts.

Time Deposits

Securities Sold Under Agreements to Repurchase

The fair values of repurchase agreements with variable interest rates are presumed to approximate their recorded carrying amounts.

FHLB Advances

The fair values of FHLB advances are estimated using discounted cash flow analyses based on current rates offered for borrowings with similar remaining maturities and characteristics.

Subordinated Notes

The fair values of subordinated notes are estimated using discounted cash flow analyses based on rates observed on recent debt issuances by other financial institutions.

Junior Subordinated Debentures

The fair values of subordinated debentures are estimated using discounted cash flow analyses based on rates observed on recent debt issuances by other financial institutions.

Accrued Interest

The carrying amounts of accrued interest approximate fair value.

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)

12 Months Ended

Dec. 31, 2025

AOCI Attributable to Parent [Abstract]

Schedule of the Activity and Accumulated Balances for Components of Other Comprehensive Income (Loss)

The following table presents the activity and accumulated balances for components of other comprehensive income (loss):














































	Unrealized Gains (Losses) on Debt Securities				Derivatives		Total
(dollars in thousands)	Available-for-Sale		Held-to-Maturity

Balance, December 31, 2022	$	(61,998)	$	(9,946)	$	185	$	(71,759)

Other comprehensive income before reclassifications	16,949		—		161		17,110
Reclassifications	1,820		1,954		(468)		3,306
Other comprehensive income (loss), before tax	18,769		1,954		(307)		20,416
Income tax expense (benefit)	5,350		557		(87)		5,820
Other comprehensive income (loss), after tax	13,419		1,397		(220)		14,596
Balance, December 31, 2023	(48,579)		(8,549)		(35)		(57,163)

Other comprehensive income before reclassifications	9,023		—		64		9,087
Reclassifications	3,697		1,992		(348)		5,341
Other comprehensive income (loss), before tax	12,720		1,992		(284)		14,428
Income tax expense (benefit)	3,549		562		(81)		4,030
Other comprehensive income (loss), after tax	9,171		1,430		(203)		10,398
Balance, December 31, 2024	(39,408)		(7,119)		(238)		(46,765)

Other comprehensive income before reclassifications	30,477		—		—		30,477
Reclassifications	200		1,974		(38)		2,136
Other comprehensive income (loss), before tax	30,677		1,974		(38)		32,613
Income tax expense (benefit)	8,589		553		(276)		8,866
Other comprehensive income, after tax	22,088		1,421		238		23,747
Balance, December 31, 2025	$	(17,320)	$	(5,698)	$	—	$	(23,018)

RELATED PARTY TRANSACTIONS	12 Months Ended
RELATED PARTY TRANSACTIONS	Dec. 31, 2025
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	RELATED PARTY TRANSACTIONS Loans As of December 31, 2025 and 2024, loans to directors, executive officers, principal shareholders and their affiliated entities (“related parties”) totaled $0.3 million and $0.5 million, respectively. These loans were made in the ordinary course of business on substantially the same terms, including interest rates and collateral, as those prevailing for comparable loans with persons not related to us. Deposits As of December 31, 2025 and 2024, deposits of related parties totaled $5.5 million and $4.8 million, respectively.

- Definition

The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 20
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-Publisher FASB
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
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-Section 50
-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

+ Details

DERIVATIVE FINANCIAL INSTRUMENTS - Interest Rate Contracts not Designated as Hedging Instruments (Details) - Not Designated as Hedging Instrument - Interest Rate Swap - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	$ 79,355	$ 79,416
Derivative financial assets	2,990	5,515
Derivative liability notional amount	79,355	79,416
Derivative financial liabilities fair value	(2,990)	(5,515)
Interest rate swaps with a commercial borrower counterparty
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	6,344	0
Derivative financial assets	75	0
Derivative liability notional amount	73,011	79,416
Derivative financial liabilities fair value	(2,915)	(5,515)
Interest rate swaps with a financial institution counterparty
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	73,011	79,416
Derivative financial assets	2,915	5,515
Derivative liability notional amount	6,344	0
Derivative financial liabilities fair value	$ (75)	$ 0

- Definition

Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
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-Section 50
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+ Details

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

- Definition

Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.

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+ Details

LOAN SERVICING

12 Months Ended

Dec. 31, 2025

Transfers and Servicing [Abstract]

LOAN SERVICING

Mortgage loans serviced for others, which are not included in the accompanying consolidated balance sheets, amounted to $1.42 billion and $1.55 billion as of December 31, 2025 and 2024, respectively. Activity in mortgage servicing rights was as follows:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Beginning balance		$	18,827	$	19,001	$	10,147
Acquired		—		—		10,469
Capitalized servicing rights		592		726		726
Fair value adjustments attributable to payments and principal reductions		(2,128)		(2,083)		(2,110)
Fair value adjustments attributable to changes in valuation inputs and assumptions		(347)		1,183		(231)
Ending balance		$	16,944	$	18,827	$	19,001

- Definition

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

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+ Details

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Narrative (Details) $ in Thousands		12 Months Ended
	Jan. 01, 2023 USD ($)	Dec. 31, 2025 USD ($) subsidiary	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2019 USD ($)	Dec. 31, 2022 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of subsidiaries \| subsidiary		8
Period of borrower payment performance		6 months
Foreclosed asset, selling costs, percentage of fair value		0.070
Finite-lived intangible asset, useful life (in years)		10 years
Defined contribution plan, employer matching contribution, percent of employees' gross pay		5.00%
Maximum loss exposure, amount		$ 6,600
Deferred income tax expense (benefit)		(329)	$ (996)	$ (3,817)	$ (3,400)
Stockholders' equity		(615,498)	(544,605)	(489,496)		$ (373,632)
PCD allowance established in acquisition				1,247
Decrease in deferred tax liabilities		(14,156)	(14,809)
Other assets		33,877	46,280
Other liabilities		31,419	35,441
Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' equity		$ (367,163)	$ (316,764)	(269,051)		(232,004)
Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' equity				(116)		6,922
PCD allowance established in acquisition	$ 200
Cumulative effect of change in accounting principle \| Accounting Standards Update 2023-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Decrease in deferred tax liabilities				100
Other assets				7,200
Other liabilities				7,200
Cumulative effect of change in accounting principle \| Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' equity				(116)		$ 6,922
Cumulative effect of change in accounting principle \| Retained Earnings \| Accounting Standards Update 2023-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' equity				$ (100)

FORECLOSED ASSETS (Tables)

12 Months Ended

Dec. 31, 2025

Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]

Schedule of Foreclosed Assets Activity

Foreclosed assets activity was as follows:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Beginning balance		$	367	$	852	$	3,030
Acquired		—		—		271
Transfers from loans		2,040		889		1,143

Proceeds from sales		(1,285)		(1,396)		(4,093)

Net gain on sales		155		112		764
Direct write-downs		(151)		(90)		(263)
Ending balance		$	1,126	$	367	$	852

Schedule of Gains (Losses) on Foreclosed Assets

Gains (losses) on foreclosed assets included the following:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Direct write-downs		$	(151)	$	(90)	$	(263)
Net gain on sales		155		112		764
Gains on foreclosed assets		$	4	$	22	$	501

SECURITIES - Equity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Readily Determinable Fair Value
Initial cost	$ 3,124	$ 3,124
Cumulative net unrealized gains (losses)	198	191
Carrying value	3,322	3,315
No Readily Determinable Fair Value
Initial cost	2,981	2,998
Cumulative net unrealized gains (losses)	(369)	(369)
Carrying value	$ 2,612	$ 2,629

- Definition

Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).

+ References

+ Details

INCOME TAXES - Schedule of Allocation of Income Tax Expense Between Current and Deferred Portions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Current
Federal	$ 18,731	$ 17,090	$ 12,538
State	8,438	7,517	6,384
Total current	27,169	24,607	18,922
Deferred
Federal	268	307	2,811
State	61	689	1,006
Total deferred	329	996	3,817
Income tax expense	$ 27,498	$ 25,603	$ 22,739

- Definition

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

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+ Details

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Stockholders' Equity
Debt securities held-to-maturity	$ 426,799	$ 445,186
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, authorized (in shares)	25,000,000	25,000,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, authorized (in shares)	125,000,000	125,000,000
Common stock, issued (in shares)	32,899,104	32,827,039
Common stock, outstanding (in shares)	31,431,924	31,559,366
Treasury stock, (in shares)	1,467,180	1,267,673

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Goodwill [Line Items]
Goodwill	$ 0	$ 0
Town and Country
Goodwill [Line Items]
Goodwill			$ 30,500,000

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Non-Accrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	$ 1,584	$ 1,147
Nonaccrual With No Allowance for Credit Losses	5,972	6,505
Total Nonaccrual	7,556	7,652
Commercial and industrial
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	565	185
Nonaccrual With No Allowance for Credit Losses	622	467
Total Nonaccrual	1,187	652
Commercial real estate - owner occupied
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	886	0
Nonaccrual With No Allowance for Credit Losses	879	157
Total Nonaccrual	1,765	157
Commercial real estate - non-owner occupied
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	0	0
Nonaccrual With No Allowance for Credit Losses	0	1,821
Total Nonaccrual	0	1,821
Construction and land development
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	0	216
Nonaccrual With No Allowance for Credit Losses	0	33
Total Nonaccrual	0	249
Multi-family
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	0	92
Nonaccrual With No Allowance for Credit Losses	0	0
Total Nonaccrual	0	92
One-to-four family residential
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	133	654
Nonaccrual With No Allowance for Credit Losses	3,301	3,524
Total Nonaccrual	3,434	4,178
Agricultural and farmland
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	0	0
Nonaccrual With No Allowance for Credit Losses	1,165	135
Total Nonaccrual	1,165	135
Municipal, consumer, and other
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	0	0
Nonaccrual With No Allowance for Credit Losses	5	368
Total Nonaccrual	$ 5	$ 368

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Impact of ASC 326 on the Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Jan. 01, 2023	Dec. 31, 2022
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans	$ 41,690	$ 42,044	$ 40,048	$ 25,333	$ 25,333
Allowance for credit losses on unfunded commitments
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				0
Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				6,983	$ 6,983
Cumulative effect of change in accounting principle \| Allowance for credit losses on unfunded commitments
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				2,899
As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				32,316
As Reported under ASC 326 \| Allowance for credit losses on unfunded commitments
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				2,899
Commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				3,279
Commercial and industrial \| Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				(822)
Commercial and industrial \| As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				2,457
Commercial real estate - owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				1,193
Commercial real estate - owner occupied \| Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				587
Commercial real estate - owner occupied \| As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				1,780
Commercial real estate - non-owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				6,721
Commercial real estate - non-owner occupied \| Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				501
Commercial real estate - non-owner occupied \| As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				7,222
Construction and land development
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				4,223
Construction and land development \| Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				1,969
Construction and land development \| As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				6,192
Multi-family
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				1,472
Multi-family \| Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				85
Multi-family \| As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				1,557
One-to-four family residential
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				1,759
One-to-four family residential \| Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				797
One-to-four family residential \| As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				2,556
Agricultural and farmland
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				796
Agricultural and farmland \| Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				1,567
Agricultural and farmland \| As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				2,363
Municipal, consumer, and other
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				5,890
Municipal, consumer, and other \| Cumulative effect of change in accounting principle
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				2,299
Municipal, consumer, and other \| As Reported under ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses on loans				$ 8,189

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Amortized Cost of Collateralized Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	$ 25,321	$ 30,783
Allowance for Credit Losses	2,125	3,066
Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	25,321	30,783
Allowance for Credit Losses	2,125	3,066
Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	19,825	29,978
Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	362	632
Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	5,134	173
Commercial and industrial
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,187	652
Allowance for Credit Losses	236	13
Commercial and industrial \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,187	652
Allowance for Credit Losses	236	13
Commercial and industrial \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Commercial and industrial \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	362	627
Commercial and industrial \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	825	25
Commercial real estate - owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,765	157
Allowance for Credit Losses	619	0
Commercial real estate - owner occupied \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,765	157
Allowance for Credit Losses	619	0
Commercial real estate - owner occupied \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,765	157
Commercial real estate - owner occupied \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Commercial real estate - owner occupied \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Commercial real estate - non-owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	4,122	14,733
Allowance for Credit Losses	0	506
Commercial real estate - non-owner occupied \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	4,122	14,733
Allowance for Credit Losses	0	506
Commercial real estate - non-owner occupied \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	4,122	14,733
Commercial real estate - non-owner occupied \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Commercial real estate - non-owner occupied \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Construction and land development
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	249
Allowance for Credit Losses	0	33
Construction and land development \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	249
Allowance for Credit Losses	0	33
Construction and land development \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	249
Construction and land development \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Construction and land development \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Multi-family
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	92
Allowance for Credit Losses	0	92
Multi-family \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	92
Allowance for Credit Losses	0	92
Multi-family \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	92
Multi-family \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Multi-family \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
One-to-four family residential
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	3,434	4,178
Allowance for Credit Losses	10	161
One-to-four family residential \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	3,434	4,178
Allowance for Credit Losses	10	161
One-to-four family residential \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	3,434	4,178
One-to-four family residential \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
One-to-four family residential \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Agricultural and farmland
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,165	135
Allowance for Credit Losses	0	0
Agricultural and farmland \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,165	135
Allowance for Credit Losses	0	0
Agricultural and farmland \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	736	0
Agricultural and farmland \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	0
Agricultural and farmland \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	429	135
Municipal, consumer, and other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	13,648	10,587
Allowance for Credit Losses	1,260	2,261
Municipal, consumer, and other \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	13,648	10,587
Allowance for Credit Losses	1,260	2,261
Municipal, consumer, and other \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	9,768	10,569
Municipal, consumer, and other \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	0	5
Municipal, consumer, and other \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	$ 3,880	$ 13

BANK PREMISES AND EQUIPMENT (Tables)

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Schedule of Bank Premises and Depreciation Expense

Bank premises and equipment are stated at cost less accumulated depreciation as follows:


(dollars in thousands)	December 31, 2025		December 31, 2024

Land, buildings, and improvements	$	105,283	$	98,426
Furniture, fixtures, and equipment	20,465		26,270
Total bank premises and equipment	125,748		124,696
Less accumulated depreciation	52,106		57,938
Total bank premises and equipment, net	$	73,642	$	66,758

Depreciation expense by category is as follows:


	Year Ended December 31,
(dollars in thousands)	2025		2024		2023

Buildings and improvements	$	2,197	$	1,990	$	1,879
Furniture, fixtures, and equipment	1,003		954		1,229
Total depreciation expense	$	3,200	$	2,944	$	3,108

DERIVATIVE FINANCIAL INSTRUMENTS - Derivative Instrument Assets and Liabilities (Details) - Designated as Hedging Instrument - Interest Rate Swap - Cash Flow Hedging - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	$ 0	$ 7,000
Fair Value	$ 0	$ 38

- Definition

+ References

+ Details

SECURITIES (Tables)

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Schedule of Amortized Cost and Fair Values of Securities Available-for-Sale, with Gross Unrealized Gains and Losses

The amortized cost and fair values of debt securities, with gross unrealized gains and losses and allowance for credit losses, are as follows:


	December 31, 2025
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	89,796	$	—	$	(4,252)	$	—	$	85,544
U.S. government agency	42,399		146		(1,123)		—		41,422
Municipal	152,144		188		(12,062)		—		140,270
Mortgage-backed:
Agency residential	364,567		3,605		(7,377)		—		360,795
Agency commercial	127,004		107		(7,174)		—		119,937

Corporate	65,957		621		(1,445)		—		65,133
Total available-for-sale	$	841,867	$	4,667	$	(33,433)	$	—	$	813,101

	December 31, 2025
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,496	$	—	$	(4,850)	$	83,646	$	—
Municipal	28,214		353		(58)		28,509		—
Mortgage-backed:
Agency residential	75,536		23		(2,544)		73,015		—
Agency commercial	266,500		25		(24,896)		241,629		—
Total held-to-maturity	$	458,746	$	401	$	(32,348)	$	426,799	$	—


	December 31, 2024
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	119,690	$	—	$	(8,545)	$	—	$	111,145
U.S. government agency	55,742		—		(2,544)		—		53,198
Municipal	150,163		—		(19,484)		—		130,679
Mortgage-backed:
Agency residential	241,342		253		(14,227)		—		227,368
Agency commercial	128,823		3		(12,145)		—		116,681
Corporate	61,732		156		(2,910)		—		58,978
Total available-for-sale	$	757,492	$	412	$	(59,855)	$	—	$	698,049

	December 31, 2024
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,472	$	—	$	(8,819)	$	79,653	$	—
Municipal	35,862		48		(371)		35,539		—
Mortgage-backed:
Agency residential	85,643		—		(5,796)		79,847		—
Agency commercial	289,881		—		(39,734)		250,147		—
Total held-to-maturity	$	499,858	$	48	$	(54,720)	$	445,186	$	—


	December 31, 2025
	Investments in a Continuous Unrealized Loss Position
	Less than 12 Months				12 Months or More				Total
(dollars in thousands)	Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value

Available-for-sale:
U.S. Treasury	$	—	$	—	$	(4,252)	$	85,544	$	(4,252)	$	85,544
U.S. government agency	(18)		2,956		(1,105)		30,744		(1,123)		33,700
Municipal	(35)		4,525		(12,027)		123,881		(12,062)		128,406
Mortgage-backed:
Agency residential	(231)		45,392		(7,146)		121,114		(7,377)		166,506
Agency commercial	(7)		4,442		(7,167)		95,580		(7,174)		100,022
Corporate	(57)		8,728		(1,388)		24,932		(1,445)		33,660
Total available-for-sale	$	(348)	$	66,043	$	(33,085)	$	481,795	$	(33,433)	$	547,838


	December 31, 2024
	Investments in a Continuous Unrealized Loss Position
	Less than 12 Months				12 Months or More				Total
(dollars in thousands)	Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value

Available-for-sale:
U.S. Treasury	$	—	$	—	$	(8,545)	$	111,145	$	(8,545)	$	111,145
U.S. government agency	(141)		7,594		(2,403)		45,604		(2,544)		53,198
Municipal	(8)		2,634		(19,476)		127,776		(19,484)		130,410
Mortgage-backed:
Agency residential	(2,041)		81,055		(12,186)		129,178		(14,227)		210,233
Agency commercial	(125)		3,327		(12,020)		112,118		(12,145)		115,445
Corporate	(4)		1,996		(2,906)		43,064		(2,910)		45,060
Total available-for-sale	$	(2,319)	$	96,606	$	(57,536)	$	568,885	$	(59,855)	$	665,491

Schedule of Amortized Cost and Fair Values of Securities Held-to-Maturity, with Gross Unrealized Gains and Losses

The amortized cost and fair values of debt securities, with gross unrealized gains and losses and allowance for credit losses, are as follows:


	December 31, 2025
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	89,796	$	—	$	(4,252)	$	—	$	85,544
U.S. government agency	42,399		146		(1,123)		—		41,422
Municipal	152,144		188		(12,062)		—		140,270
Mortgage-backed:
Agency residential	364,567		3,605		(7,377)		—		360,795
Agency commercial	127,004		107		(7,174)		—		119,937

Corporate	65,957		621		(1,445)		—		65,133
Total available-for-sale	$	841,867	$	4,667	$	(33,433)	$	—	$	813,101

	December 31, 2025
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,496	$	—	$	(4,850)	$	83,646	$	—
Municipal	28,214		353		(58)		28,509		—
Mortgage-backed:
Agency residential	75,536		23		(2,544)		73,015		—
Agency commercial	266,500		25		(24,896)		241,629		—
Total held-to-maturity	$	458,746	$	401	$	(32,348)	$	426,799	$	—


	December 31, 2024
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	119,690	$	—	$	(8,545)	$	—	$	111,145
U.S. government agency	55,742		—		(2,544)		—		53,198
Municipal	150,163		—		(19,484)		—		130,679
Mortgage-backed:
Agency residential	241,342		253		(14,227)		—		227,368
Agency commercial	128,823		3		(12,145)		—		116,681
Corporate	61,732		156		(2,910)		—		58,978
Total available-for-sale	$	757,492	$	412	$	(59,855)	$	—	$	698,049

	December 31, 2024
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,472	$	—	$	(8,819)	$	79,653	$	—
Municipal	35,862		48		(371)		35,539		—
Mortgage-backed:
Agency residential	85,643		—		(5,796)		79,847		—
Agency commercial	289,881		—		(39,734)		250,147		—
Total held-to-maturity	$	499,858	$	48	$	(54,720)	$	445,186	$	—

Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity


	Available-for-Sale				Held-to-Maturity
(dollars in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value

Due in 1 year or less	$	34,128	$	33,783	$	7,330	$	7,257
Due after 1 year through 5 years	173,366		163,765		52,682		51,407
Due after 5 years through 10 years	119,292		112,595		54,764		51,590
Due after 10 years	23,510		22,226		1,934		1,901

Mortgage-backed:
Agency residential	364,567		360,795		75,536		73,015
Agency commercial	127,004		119,937		266,500		241,629
Total	$	841,867	$	813,101	$	458,746	$	426,799

Schedule of Sales of Debt Securities

Sales of debt securities were as follows during the year ended December 31:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Proceeds from sales		$	4,125	$	69,174	$	185,280
Gross realized gains		—		—		—
Gross realized losses		(200)		(3,697)		(1,820)

Schedule of the Initial Cost and Carrying Value of Equity Securities with Cumulative Net Unrealized Gains and (Losses)

The initial cost and carrying values of equity securities, with cumulative net unrealized gains and losses were as follows:


	December 31, 2025
(dollars in thousands)	Readily Determinable Fair Value		No Readily Determinable Fair Value

Initial cost	$	3,124	$	2,981
Cumulative net unrealized gains (losses)	198		(369)
Carrying value	$	3,322	$	2,612


	December 31, 2024
(dollars in thousands)	Readily Determinable Fair Value		No Readily Determinable Fair Value

Initial cost	$	3,124	$	2,998
Cumulative net unrealized gains (losses)	191		(369)
Carrying value	$	3,315	$	2,629

Schedule of Unrealized Gains (Losses) on Equity Securities

Unrealized gains (losses) on equity securities were as follows during the years ended December 31, 2025 and 2024:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Readily determinable fair value		$	7	$	(25)	$	330
No readily determinable fair value		—		(34)		(170)
Unrealized gains (losses) on equity securities		$	7	$	(59)	$	160

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-9

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

- Definition

Tabular disclosure of information about investment in debt security measured at amortized cost (held-to-maturity).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
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+ Details

CONDENSED PARENT COMPANY ONLY FINANCIAL STATEMENTS - Condensed Parent Company Only Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Other income	$ 3,114	$ 3,190	$ 3,105
Total noninterest income	38,190	35,571	36,046
Interest expense	56,889	62,850	37,927
INCOME BEFORE INCOME TAX EXPENSE	104,506	97,383	88,581
TAX BENEFIT	27,498	25,603	22,739
NET INCOME	77,008	71,780	65,842
Reportable Legal Entities \| Consolidated HBT Financial, Inc.
Dividends received from bank subsidiary	72,500	34,000	64,000
Undistributed earnings from bank subsidiary	11,846	44,684	9,199
Other income	146	183	870
Total noninterest income	84,492	78,867	74,069
Interest expense	4,975	5,729	5,409
Other expense	5,364	4,106	5,517
Total expenses	10,339	9,835	10,926
INCOME BEFORE INCOME TAX EXPENSE	74,153	69,032	63,143
TAX BENEFIT	(2,855)	(2,748)	(2,699)
NET INCOME	$ 77,008	$ 71,780	$ 65,842

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)

12 Months Ended

Dec. 31, 2025

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Interest Rate Swap Agreement Designated as a Cash Flow Hedge

The interest rate swap agreement designated as a cash flow hedge was as follows:


	December 31, 2025				December 31, 2024
(dollars in thousands)	Notional Amount		Fair Value		Notional Amount		Fair Value

Fair value recorded in other assets	$	—	$	—	$	7,000	$	38

Schedule of the Effect of Interest Rate Swap Agreements Designated as Cash Flow Hedges on the Consolidated Statements of Income

The effect of interest rate swap agreements designated as cash flow hedges on the consolidated statements of income was as follows:


Location of gross gain (loss) reclassified from accumulated other comprehensive income (loss) to income	Amounts of gross gain (loss) reclassified from accumulated other comprehensive income (loss)
	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Designated as cash flow hedges:
Junior subordinated debentures interest expense		$	38	$	348	$	468

Schedule of Interest Rate Swap Agreements Not Designated as Hedging Instruments

The interest rate swap agreements not designated as hedging instruments were as follows:


	December 31, 2025				December 31, 2024
(dollars in thousands)	Notional Amount		Fair Value		Notional Amount		Fair Value

Fair value recorded in other assets:
Interest rate swaps with a commercial borrower counterparty	$	6,344	$	75	$	—	$	—
Interest rate swaps with a financial institution counterparty	73,011		2,915		79,416		5,515
Total fair value recorded in other assets	$	79,355	$	2,990	$	79,416	$	5,515

Fair value recorded in other liabilities:
Interest rate swaps with a commercial borrower counterparty	$	73,011	$	(2,915)	$	79,416	$	(5,515)
Interest rate swaps with a financial institution counterparty	6,344		(75)		—		—
Total fair value recorded in other liabilities	$	79,355	$	(2,990)	$	79,416	$	(5,515)

Schedule of the Effect of Interest Rate Contracts Not Designated as Hedging Instruments Recognized in Other Noninterest Income

The effect of interest rate contracts not designated as hedging instruments recognized in other noninterest income on the consolidated statements of income was as follows:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Not designated as hedging instruments:
Gross gains		$	4,335	$	10,781	$	11,198
Gross losses		(4,335)		(10,781)		(11,198)
Net gains (losses)		$	—	$	—	$	—

Schedule of Risk Participation Agreement

The risk participation agreement matures in 2035 and is summarized as follows:


(dollars in thousands)	December 31, 2025		December 31, 2024

Risk participation agreements sold
Number of risk participation agreements	1		1
Notional amount	$	5,268	$	5,268
Fair value	(10)		(10)

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
Cybersecurity Risk Management and Strategy Disclosure	Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	We rely extensively on various information systems and other electronic resources to operate our business. In addition, nearly all of our customers, service providers and other business partners on whom we depend, including the providers of our online banking, mobile banking and accounting systems, use these systems and their own electronic information systems. Any of these systems can be compromised, including through the employees, customers and other individuals who are authorized to use them, and bad actors use a sophisticated and constantly evolving set of software, tools and strategies to do so. Moreover, the nature of our business, as a financial services provider, and our relative size, make us and our business partners high-value targets for these bad actors to pursue. Accordingly, we have long devoted significant resources to assessing, identifying and managing risks associated with cybersecurity threats, including: •internal resources who are responsible for conducting regular assessments of our information systems, existing controls, vulnerabilities and potential improvements; •continuous monitoring tools that can detect, alert on, respond to, and help mitigate cybersecurity threats in real-time; •performing due diligence with respect to our third-party service providers, including their cybersecurity practices, and requiring contractual commitments from our service providers to take certain cybersecurity measures; •third-party cybersecurity consultants, who conduct periodic penetration testing, vulnerability assessments, and other procedures which identify potential weaknesses in our systems and help validate and improve internal processes and tooling; and •periodic cybersecurity training for our workforce. This information security program is a key part of our overall risk management system, which is administered by our Chief Risk Officer. The program includes administrative, technical and physical safeguards to help ensure the security and confidentiality of customer records and information. These security and privacy policies and procedures are in effect across all of our lines of business and geographic locations. From time-to-time, we have identified cybersecurity threats that require us to make changes to our processes and to implement additional safeguards. While none of these identified threats or incidents have materially affected us, it is possible that threats and incidents we identify in the future could have a material adverse effect on our business strategy, results of operations and financial condition. We continue to evolve our controls to mitigate these threats as effectively as we can reasonably foresee them occurring.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	We rely extensively on various information systems and other electronic resources to operate our business. In addition, nearly all of our customers, service providers and other business partners on whom we depend, including the providers of our online banking, mobile banking and accounting systems, use these systems and their own electronic information systems. Any of these systems can be compromised, including through the employees, customers and other individuals who are authorized to use them, and bad actors use a sophisticated and constantly evolving set of software, tools and strategies to do so. Moreover, the nature of our business, as a financial services provider, and our relative size, make us and our business partners high-value targets for these bad actors to pursue.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	In addition, our board of directors is responsible for the oversight of risk management. In that role, our board of directors, with support from the Company’s cybersecurity advisors, are responsible for ensuring that the risk management processes designed and implemented by management are adequate and functioning as designed. To carry out those duties, our board of directors receive reports from our management team regarding cybersecurity risks, and the Company’s efforts to prevent, detect, mitigate and remediate any cybersecurity incidents. These reports are delivered at least quarterly, with additional information and trainings provided at least twice per year.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	Our management team is responsible for the day-to-day management of risks we face, including our Chief Information Officer. Our current Chief Information Officer has over 20 years of technology experience, including 17 years in banking.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	Our management team is responsible for the day-to-day management of risks we face, including our Chief Information Officer. Our current Chief Information Officer has over 20 years of technology experience, including 17 years in banking. In addition, our board of directors is responsible for the oversight of risk management. In that role, our board of directors, with support from the Company’s cybersecurity advisors, are responsible for ensuring that the risk management processes designed and implemented by management are adequate and functioning as designed.
Cybersecurity Risk Role of Management [Text Block]	Our management team is responsible for the day-to-day management of risks we face, including our Chief Information Officer. Our current Chief Information Officer has over 20 years of technology experience, including 17 years in banking. In addition, our board of directors is responsible for the oversight of risk management. In that role, our board of directors, with support from the Company’s cybersecurity advisors, are responsible for ensuring that the risk management processes designed and implemented by management are adequate and functioning as designed. To carry out those duties, our board of directors receive reports from our management team regarding cybersecurity risks, and the Company’s efforts to prevent, detect, mitigate and remediate any cybersecurity incidents. These reports are delivered at least quarterly, with additional information and trainings provided at least twice per year.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Our management team is responsible for the day-to-day management of risks we face, including our Chief Information Officer. Our current Chief Information Officer has over 20 years of technology experience, including 17 years in banking.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	over 20 years of technology experience, including 17 years in banking.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	Our management team is responsible for the day-to-day management of risks we face, including our Chief Information Officer. Our current Chief Information Officer has over 20 years of technology experience, including 17 years in banking. In addition, our board of directors is responsible for the oversight of risk management. In that role, our board of directors, with support from the Company’s cybersecurity advisors, are responsible for ensuring that the risk management processes designed and implemented by management are adequate and functioning as designed.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

BANK PREMISES AND EQUIPMENT - Bank Premises and Equipment Cost (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Property, Plant and Equipment [Line Items]
Total bank premises and equipment	$ 125,748	$ 124,696
Less accumulated depreciation	52,106	57,938
Bank premises and equipment, net	73,642	66,758
Land, buildings, and improvements
Property, Plant and Equipment [Line Items]
Total bank premises and equipment	105,283	98,426
Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Total bank premises and equipment	$ 20,465	$ 26,270

STOCK-BASED COMPENSATION PLANS

12 Months Ended

Dec. 31, 2025

Share-Based Payment Arrangement [Abstract]

STOCK-BASED COMPENSATION PLANS

The Company has adopted the HBT Financial, Inc. Omnibus Incentive Plan (the “Omnibus Incentive Plan”). The Omnibus Incentive Plan provides for grants of (i) stock options, (ii) stock appreciation rights, (iii) restricted shares, (iv) restricted stock units, (v) performance awards, (vi) other share-based awards and (vii) other cash-based awards to eligible employees, non-employee directors and consultants of the Company. The maximum number of shares of common stock available for issuance under the Omnibus Incentive Plan is 1,820,000 shares.

The following is a summary of stock-based compensation expense (benefit):


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Restricted stock units		$	1,196	$	1,061	$	1,204
Performance restricted stock units		747		691		749
Total awards classified as equity		1,943		1,752		1,953
Stock appreciation rights		170		(32)		95
Total stock-based compensation expense		$	2,113	$	1,720	$	2,048

Restricted Stock Units

A restricted stock unit grants a participant the right to receive one share of the Company’s common stock, following the completion of the requisite service period. Restricted stock units are classified as equity. Compensation cost is based on the Company’s stock price on the grant date and is recognized on a straight-line basis over the service period for the entire award. Dividend equivalents on restricted stock units, which are accrued until vested, are classified as dividends charged to retained earnings.

During the years ended December 31, 2025, 2024, and 2023, the total grant date fair value of the restricted stock units granted was $1.1 million, $1.0 million, and $1.0 million, respectively, based on the grant date closing prices. The total intrinsic value of restricted stock units that vested during the years ended December 31, 2025, 2024, 2023 were $1.4 million, $1.4 million, and $1.1 million, respectively.

The following is a summary of restricted stock unit activity:











	Year Ended December 31,
	2025			2024			2023
	Restricted Stock Units	Weighted Average Grant Date Fair Value		Restricted Stock Units	Weighted Average Grant Date Fair Value		Restricted Stock Units	Weighted Average Grant Date Fair Value
Beginning balance	108,603	$	19.71	128,159	$	19.56	139,986	$	18.01
Granted	43,397	25.00		51,246	19.06		41,847	22.72
Vested	(56,922)	19.59		(70,540)	18.96		(51,693)	17.91
Forfeited	(131)	19.06		(262)	19.06		(1,981)	19.55
Ending balance	94,947	$	22.20	108,603	$	19.71	128,159	$	19.56

As of December 31, 2025, unrecognized compensation cost related to the non-vested restricted stock units was $0.7 million. This cost is expected to be recognized over the weighted average remaining service period of 1.5 years.

Performance Restricted Stock Units

A performance restricted stock unit is similar to a restricted stock unit, except that the number of shares of the Company’s common stock awarded is based on a performance condition and the completion of the requisite service period. The number of shares of the Company’s common stock that may be earned ranges from 0% to 150% of the number of performance restricted stock units granted. Performance restricted stock units are classified as equity. Compensation cost is based on the Company’s stock price on the grant date and an assessment of the probable outcome of the performance condition. Compensation cost is recognized on a straight-line basis over the service period of the entire award. Changes in the performance condition probability assessment result in cumulative catch-up adjustments to the compensation cost recognized. Dividend equivalents on performance restricted stock units, which are accrued until vested, are classified as dividends charged to retained earnings.

During the years ended December 31, 2025, 2024, and 2023, the total fair value of the performance restricted stock units granted was $0.4 million, $0.4 million, and $0.4 million, respectively, based on the grant date closing prices and an assessment of the probable outcome of the performance condition on the grant date. The total intrinsic value of performance restricted stock units that vested during the year ended December 31, 2025 and 2024 was $1.1 million and $0.8 million, respectively.

The following is a summary of performance restricted stock unit activity:












	Year Ended December 31,
	2025			2024			2023
	Performance Restricted Stock Units	Weighted Average Grant Date Fair Value		Performance Restricted Stock Units	Weighted Average Grant Date Fair Value		Performance Restricted Stock Units	Weighted Average Grant Date Fair Value
Beginning balance	70,333	$	19.59	79,097	$	18.25	62,067	$	17.02
Granted	16,662	25.00		19,933	19.06		17,030	22.72
Adjustment for performance condition	11,864	18.66		14,349	15.53		—	—
Vested	(42,783)	18.66		(43,046)	15.53		—	—
Forfeited	(2,451)	16.27		—	—		—	—
Ending balance	53,625	$	22.07	70,333	$	19.59	79,097	$	18.25

As of December 31, 2025, unrecognized compensation cost related to non-vested performance restricted stock units was $0.3 million, based on the current assessment of the probable outcome of the performance conditions. This cost is expected to be recognized over the weighted average remaining service period of 1.2 year.

Stock Appreciation Rights

A stock appreciation right grants a participant the right to receive an amount of cash, the value of which equals the appreciation in the Company’s stock price between the grant date and the exercise date. Stock appreciation rights are classified as liabilities. The liability is based on an option-pricing model used to estimate the fair value of the stock appreciation rights. Compensation cost for non-vested stock appreciation rights is recognized on a straight line basis over the service period of the entire award.

The following is a summary of stock appreciation rights activity:












	Year Ended December 31,
	2025			2024			2023
	Stock Appreciation Rights	Weighted Average Grant Date Assigned Value		Stock Appreciation Rights	Weighted Average Grant Date Assigned Value		Stock Appreciation Rights	Weighted Average Grant Date Assigned Value
Beginning balance	73,440	$	16.32	73,440	$	16.32	73,440	$	16.32
Granted	—	—		—	—		—	—
Exercised	(6,120)	16.32		—	—		—	—
Expired	—	—		—	—		—	—
Forfeited	—	—		—	—		—	—
Ending balance	67,320	$	16.32	73,440	$	16.32	73,440	$	16.32

As of December 31, 2025, all stock appreciation rights were exercisable and had a weighted average remaining term of 3.7 years. There was no unrecognized compensation cost for stock appreciation rights as of December 31, 2025.

As of December 31, 2025 and 2024, the liability recorded for outstanding stock appreciation rights was $0.7 million and $0.5 million, respectively. The Company uses an option pricing model to value the stock appreciation rights, using the assumptions in the following table. Expected volatility is derived from the historical volatility of the Company’s stock price.


	December 31, 2025		December 31, 2024
Risk-free interest rate	3.61	%	4.37	%
Expected volatility	29.60	%	30.95	%
Expected life (in years)	3.7		4.7
Expected dividend yield	3.25	%	3.47	%

REGULATORY CAPITAL (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Total Capital (to Risk Weighted Assets)
For capital adequacy purposes, ratio (as a percent).	0.025
Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)
Actual, amount	$ 651,379	$ 635,878
Actual, ratio (as a percent)	0.1652	0.1611
For capital adequacy purposes, amount	$ 315,520	$ 315,825
For capital adequacy purposes, ratio (as a percent).	0.0800	0.0800
To be well capitalized under prompt corrective action provisions, amount	$ 394,400	$ 394,781
To be well capitalized under prompt corrective action provisions, ratio (as a percent)	0.1000	0.1000
Tier 1 Capital (to Risk Weighted Assets)
Actual, amount	$ 608,137	$ 596,071
Actual, ratio (as a percent)	0.1542	0.1510
For capital adequacy purposes, amount	$ 236,640	$ 236,869
For capital adequacy purposes, ratio (as a percent)	0.0600	0.0600
To be well capitalized under prompt corrective action provisions, amount	$ 315,520	$ 315,825
To be well capitalized under prompt corrective action provisions, ratio (as a percent)	0.0800	0.0800
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Actual, amount	$ 608,137	$ 596,071
Actual, ratio (as a percent)	15.42%	15.10%
For capital adequacy purposes, amount	$ 177,480	$ 177,651
For capital adequacy purposes, ratio (as a percent)	4.50%	4.50%
To be well capitalized under prompt corrective action provisions, amount	$ 256,360	$ 256,608
To be well capitalized under prompt corrective action provisions, ratio (as a percent)	6.50%	6.50%
Tier 1 Capital (to Average Assets)
Actual, amount	$ 608,137	$ 596,071
Actual, ratio (as a percent)	0.1202	0.1198
For capital adequacy purposes, amount	$ 202,314	$ 199,030
For capital adequacy purposes, ratio (as a percent)	0.0400	0.0400
To be well capitalized under prompt corrective action provisions, amount	$ 252,893	$ 248,787
To be well capitalized under prompt corrective action provisions, ratio (as a percent)	0.0500	0.0500
Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)
Actual, amount	$ 663,872	$ 652,563
Actual, ratio (as a percent)	0.1682	0.1651
For capital adequacy purposes, amount	$ 315,844	$ 316,145
For capital adequacy purposes, ratio (as a percent).	0.0800	0.0800
Tier 1 Capital (to Risk Weighted Assets)
Actual, amount	$ 620,630	$ 573,203
Actual, ratio (as a percent)	0.1572	0.1450
For capital adequacy purposes, amount	$ 236,883	$ 237,109
For capital adequacy purposes, ratio (as a percent)	0.0600	0.0600
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Actual, amount	$ 569,335	$ 521,968
Actual, ratio (as a percent)	14.42%	13.21%
For capital adequacy purposes, amount	$ 177,662	$ 177,831
For capital adequacy purposes, ratio (as a percent)	4.50%	4.50%
Tier 1 Capital (to Average Assets)
Actual, amount	$ 620,630	$ 573,203
Actual, ratio (as a percent)	0.1226	0.1151
For capital adequacy purposes, amount	$ 202,443	$ 199,167
For capital adequacy purposes, ratio (as a percent)	0.0400	0.0400

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Activity in Allowance (Details) - USD ($) $ in Thousands		12 Months Ended
	Jan. 01, 2023	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 25,333	$ 42,044	$ 40,048	$ 25,333
PCD allowance established in acquisition				1,247
Provision for credit losses		2,104	3,754	6,665
Charge-offs		(3,861)	(3,284)	(1,359)
Recoveries		1,403	1,526	1,179
Ending balance	25,333	41,690	42,044	40,048
Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	6,983			6,983
PCD allowance established in acquisition	200
Ending balance	6,983
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	3,279	5,357	4,980	3,279
PCD allowance established in acquisition				69
Provision for credit losses		3,468	1,677	2,823
Charge-offs		(2,449)	(1,448)	(428)
Recoveries		599	148	59
Ending balance		6,975	5,357	4,980
Commercial and industrial \| Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	(822)			(822)
Commercial real estate - owner occupied
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,193	3,107	2,272	1,193
PCD allowance established in acquisition				127
Provision for credit losses		1,364	825	352
Charge-offs		(125)	(6)	(5)
Recoveries		37	16	18
Ending balance		4,383	3,107	2,272
Commercial real estate - owner occupied \| Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	587			587
Commercial real estate - non-owner occupied
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	6,721	11,707	7,714	6,721
PCD allowance established in acquisition				239
Provision for credit losses		(3,002)	3,407	187
Charge-offs		0	0	(202)
Recoveries		0	586	268
Ending balance		8,705	11,707	7,714
Commercial real estate - non-owner occupied \| Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	501			501
Construction and land development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	4,223	4,302	5,998	4,223
PCD allowance established in acquisition				240
Provision for credit losses		(472)	(1,699)	(487)
Charge-offs		(8)	0	0
Recoveries		77	3	53
Ending balance		3,899	4,302	5,998
Construction and land development \| Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,969			1,969
Multi-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,472	4,331	3,837	1,472
PCD allowance established in acquisition				68
Provision for credit losses		1,233	682	1,931
Charge-offs		(80)	(188)	0
Recoveries		0	0	281
Ending balance		5,484	4,331	3,837
Multi-family \| Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	85			85
One-to-four family residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,759	3,908	5,204	1,759
PCD allowance established in acquisition				492
Provision for credit losses		(164)	(1,438)	2,004
Charge-offs		(548)	(298)	(34)
Recoveries		339	440	186
Ending balance		3,535	3,908	5,204
One-to-four family residential \| Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	797			797
Agricultural and farmland
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	796	1,170	975	796
PCD allowance established in acquisition				5
Provision for credit losses		(461)	246	(1,399)
Charge-offs		(24)	(62)	0
Recoveries		73	11	6
Ending balance		758	1,170	975
Agricultural and farmland \| Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,567			1,567
Municipal, consumer, and other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	5,890	8,162	9,068	5,890
PCD allowance established in acquisition				7
Provision for credit losses		138	54	1,254
Charge-offs		(627)	(1,282)	(690)
Recoveries		278	322	308
Ending balance		$ 7,951	$ 8,162	9,068
Municipal, consumer, and other \| Cumulative effect of change in accounting principle
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 2,299			$ 2,299

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Receivables [Abstract]
Financing receivable, accrued interest, after allowance for credit loss	$ 18,200	$ 19,600
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Accrued interest receivable	Accrued interest receivable
Internal review threshold	$ 750

BUSINESS COMBINATIONS - Narrative (Details) - USD ($)			3 Months Ended		9 Months Ended	11 Months Ended	12 Months Ended
BUSINESS COMBINATIONS - Narrative (Details) - USD ($)	Mar. 01, 2026	Feb. 01, 2023	Sep. 30, 2023	Jun. 30, 2023	Sep. 30, 2025	Dec. 31, 2023	Dec. 31, 2023	Feb. 27, 2026	Dec. 31, 2025	Dec. 31, 2024
Business Combination [Line Items]
Goodwill									$ 59,820,000	$ 59,820,000
CNB Bank Shares, Inc.
Business Combination [Line Items]
Acquisition related expenses					$ 0
CNB Bank Shares, Inc. \| Subsequent Event
Business Combination [Line Items]
Percentage of voting interests acquired	100.00%
Consideration transferred, equity shares issued per acquiree share (in shares)	1.0434
Consideration transferred, per share in cash (in dollars per share)	$ 27.73
Business acquisition, equity interest issued or issuable (in shares)	5,500,000
Cash	$ 34,000,000
Share price (in dollars per share)								$ 26.96
Total consideration paid	$ 182,000,000
Town and Country
Business Combination [Line Items]
Percentage of voting interests acquired		100.00%
Consideration transferred, per share in cash (in dollars per share)		$ 35.66
Business acquisition, equity interest issued or issuable (in shares)		3,378,600
Cash		$ 37,996,000
Acquisition related expenses				$ 0			$ 13,691,000
Stock consideration per share (shares per share)		1.9010
Share price (in dollars per share)		$ 21.12
Total consideration paid		$ 109,352,000
Maximum period for refinement of fair values from closing date		1 year
Adjustment, income tax assets and liabilities			$ 100,000
Goodwill		$ 30,498,000
Loans acquired which exhibited more-than-insignificant credit deterioration on acquisition date		$ 89,822,000
Allowance for credit losses on non-PCD loans						$ 5,200,000
Allowance for credit losses on unfunded commitments						$ 700,000

INCOME TAXES

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

INCOME TAXES

Allocation of income tax expense between current and deferred portions is as follows:


	Year Ended December 31,
(dollars in thousands)	2025		2024		2023

Current
Federal	$	18,731	$	17,090	$	12,538
State	8,438		7,517		6,384
Total current	27,169		24,607		18,922

Deferred
Federal	268		307		2,811
State	61		689		1,006
Total deferred	329		996		3,817
Income tax expense	$	27,498	$	25,603	$	22,739

The Company had no income from foreign sources and therefore had no foreign income tax expense. Income tax expense differs from the statutory federal rate due to the following:


	Year Ended December 31,
	2025				2024				2023
(dollars in thousands)	Amount		Percentage		Amount		Percentage		Amount		Percentage

Federal income tax, at US statutory rate	$	21,946	21.0	%	$	20,450	21.0	%	$	18,602	21.0	%
Increase (decrease) resulting from:
State taxes, net of federal benefit	6,711		6.4		6,174		6.3		5,838		6.6
Nontaxable or nondeductible items:
Federally tax exempt interest income	(1,417)		(1.3)		(1,391)		(1.4)		(1,767)		(2.0)
Other	255		0.2		89		0.1		266		0.3
Tax credits	(186)		(0.2)		(137)		(0.1)		(190)		(0.2)
Other	189		0.2		418		0.4		(10)		—
Income tax expense	$	27,498	26.3	%	$	25,603	26.3	%	$	22,739	25.7	%

The effective tax rate differs from the federal statutory rate primarily due to state taxes, net of the federal tax benefit, and federally tax exempt interest income. Illinois state taxes made up the majority of the state tax effect. Tax credits include projected tax losses from, as well as amortization of, tax credit investments.

The components of the deferred tax assets and liabilities are as follows:


(dollars in thousands)	December 31, 2025		December 31, 2024

Deferred tax assets
Allowance for credit losses	$	12,709	$	12,523
Compensation related	3,146		3,119
Deferred loan fees	965		692
Nonaccrual interest	632		673

Goodwill	—		3
Net operating loss carryforward	62		99
Net unrealized losses on debt securities	10,282		19,424
Other purchase accounting adjustments	2,952		4,012
Other	648		699
Total deferred tax assets	31,396		41,244

Deferred tax liabilities
Fixed asset depreciation	3,569		3,172
Mortgage servicing rights	4,699		5,224

Intangible assets	4,087		4,899
Prepaid assets	1,087		982
Goodwill	59		—
Other	655		532
Total deferred tax liabilities	14,156		14,809
Net deferred tax asset	$	17,240	$	26,435

As of December 31, 2025, the Company had an Illinois net operating loss carryforward of $0.8 million which is available to offset future Illinois taxable income. The Illinois net operating loss carryforward is subject to a $500 thousand limitation through 2027 and will begin to expire in 2047. Management believes that it is more likely than not that the deferred tax assets included in the balance sheet will be realized, and that a valuation allowance was not required for deferred tax assets as of December 31, 2025 and 2024.

The Company files consolidated federal and state income tax returns. The Company is generally no longer subject to federal or state income tax examinations for years prior to 2022.

- Definition

The entire disclosure for income tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 77,008	$ 71,780	$ 65,842
OTHER COMPREHENSIVE INCOME
Unrealized gains on debt securities available-for-sale	30,477	9,023	16,949
Reclassification adjustment for losses on sale of debt securities available-for-sale realized in income	200	3,697	1,820
Reclassification adjustment for amortization of net unrealized losses on debt securities transferred to held-to-maturity	1,974	1,992	1,954
Unrealized gains on derivative instruments	0	64	161
Reclassification adjustment for net settlements on derivative instruments	(38)	(348)	(468)
Total other comprehensive income, before tax	32,613	14,428	20,416
Income tax expense	8,866	4,030	5,820
Total other comprehensive income	23,747	10,398	14,596
TOTAL COMPREHENSIVE INCOME	$ 100,755	$ 82,178	$ 80,438

FORECLOSED ASSETS - Gains (losses) on Foreclosed Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]
Direct write-downs	$ (151)	$ (90)	$ (263)
Net gain on sales	155	112	764
Gains on foreclosed assets	$ 4	$ 22	$ 501

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Numerator:
Net income	$ 77,008	$ 71,780	$ 65,842
Earnings allocated to participating securities	0	0	(36)
Numerator for earnings per share - basic	77,008	71,780	65,806
Numerator for earnings per share - diluted	$ 77,008	$ 71,780	$ 65,806
Denominator:
Weighted average common shares outstanding (in shares)	31,502,351	31,590,117	31,626,308
Dilutive effect of outstanding restricted stock units (in shares)	108,953	122,363	111,839
Weighted average common shares outstanding, including all dilutive potential shares (in shares)	31,611,304	31,712,480	31,738,147
Earnings per share - basic (in dollars per share)	$ 2.44	$ 2.27	$ 2.08
Earnings per share - diluted (in dollars per share)	$ 2.44	$ 2.26	$ 2.07

COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($) $ in Millions			12 Months Ended
	Mar. 29, 2024	May 15, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2025
Loss Contingencies [Line Items]
Allowance for credit losses on unfunded commitments			$ 3.1			$ 4.1
DeBaere And Miller Cases
Loss Contingencies [Line Items]
One time cash payment		$ 3.4
Payments for legal settlements				$ 3.4
Accrual recognized in other noninterest expense				0.8	$ 2.6
John Pickett Cases
Loss Contingencies [Line Items]
One time cash payment	$ 0.3		0.3
Accrual recognized in other noninterest expense			$ 0.1	$ 0.2

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
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-Name Accounting Standards Codification
-Section 50
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-URI https://asc.fasb.org/1943274/2147483076/450-20-50-1

+ Details

STOCK-BASED COMPENSATION PLANS (Tables)

12 Months Ended

Dec. 31, 2025

Share-Based Payment Arrangement [Abstract]

Schedule of Stock-Based Compensation Expense (Benefit)

The following is a summary of stock-based compensation expense (benefit):


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Restricted stock units		$	1,196	$	1,061	$	1,204
Performance restricted stock units		747		691		749
Total awards classified as equity		1,943		1,752		1,953
Stock appreciation rights		170		(32)		95
Total stock-based compensation expense		$	2,113	$	1,720	$	2,048

Schedule of Restricted Stock Units

The following is a summary of restricted stock unit activity:











	Year Ended December 31,
	2025			2024			2023
	Restricted Stock Units	Weighted Average Grant Date Fair Value		Restricted Stock Units	Weighted Average Grant Date Fair Value		Restricted Stock Units	Weighted Average Grant Date Fair Value
Beginning balance	108,603	$	19.71	128,159	$	19.56	139,986	$	18.01
Granted	43,397	25.00		51,246	19.06		41,847	22.72
Vested	(56,922)	19.59		(70,540)	18.96		(51,693)	17.91
Forfeited	(131)	19.06		(262)	19.06		(1,981)	19.55
Ending balance	94,947	$	22.20	108,603	$	19.71	128,159	$	19.56

The following is a summary of performance restricted stock unit activity:












	Year Ended December 31,
	2025			2024			2023
	Performance Restricted Stock Units	Weighted Average Grant Date Fair Value		Performance Restricted Stock Units	Weighted Average Grant Date Fair Value		Performance Restricted Stock Units	Weighted Average Grant Date Fair Value
Beginning balance	70,333	$	19.59	79,097	$	18.25	62,067	$	17.02
Granted	16,662	25.00		19,933	19.06		17,030	22.72
Adjustment for performance condition	11,864	18.66		14,349	15.53		—	—
Vested	(42,783)	18.66		(43,046)	15.53		—	—
Forfeited	(2,451)	16.27		—	—		—	—
Ending balance	53,625	$	22.07	70,333	$	19.59	79,097	$	18.25

Schedule of Stock Appreciation Rights

The following is a summary of stock appreciation rights activity:












	Year Ended December 31,
	2025			2024			2023
	Stock Appreciation Rights	Weighted Average Grant Date Assigned Value		Stock Appreciation Rights	Weighted Average Grant Date Assigned Value		Stock Appreciation Rights	Weighted Average Grant Date Assigned Value
Beginning balance	73,440	$	16.32	73,440	$	16.32	73,440	$	16.32
Granted	—	—		—	—		—	—
Exercised	(6,120)	16.32		—	—		—	—
Expired	—	—		—	—		—	—
Forfeited	—	—		—	—		—	—
Ending balance	67,320	$	16.32	73,440	$	16.32	73,440	$	16.32

Schedule of Option Pricing Model to Value the Stock Appreciation Rights

The Company uses an option pricing model to value the stock appreciation rights, using the assumptions in the following table. Expected volatility is derived from the historical volatility of the Company’s stock price.


	December 31, 2025		December 31, 2024
Risk-free interest rate	3.61	%	4.37	%
Expected volatility	29.60	%	30.95	%
Expected life (in years)	3.7		4.7
Expected dividend yield	3.25	%	3.47	%

COMMITMENTS AND CONTINGENCIES

12 Months Ended

Dec. 31, 2025

Commitments and Contingencies Disclosure [Abstract]

COMMITMENTS AND CONTINGENCIES

Financial Instruments

The Bank is party to credit-related financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Such instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets.

The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.

Such commitments and conditional obligations were as follows:


	Contractual Amount
(dollars in thousands)	December 31, 2025		December 31, 2024

Commitments to extend credit	$	855,014	$	845,413
Standby letters of credit	29,727		18,329

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary, by the Bank upon extension of credit is based on management’s credit evaluation of the customer. Collateral held varies, but may include real estate, accounts receivable, inventory, equipment, and income-producing properties.

Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those standby letters of credit are primarily issued to support extensions of credit. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loans to customers. The Bank secures the standby letters of credit with the same collateral used to secure the related loan.

Allowance for Credit Losses on Unfunded Lending-related Commitments

The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancelable by the Company. The allowance for credit losses on unfunded commitments is included in other liabilities on the consolidated balance sheets and is adjusted through a charge to provision for credit loss expense on the consolidated statements of income. The allowance for credit losses on unfunded commitments estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The allowance for credit losses on unfunded commitments was $4.1 million and $3.1 million as of December 31, 2025 and 2024, respectively.

Legal Contingencies

In the normal course of business, the Company, or its subsidiaries, are involved in various legal proceedings. In the opinion of management, any liability resulting from pending proceedings would not be expected to have a material adverse effect on the Company's consolidated financial statements.

DeBaere, et al v. Heartland Bank and Trust Company

The Bank was a defendant in a purported class action lawsuit filed in June 2020, in the Circuit Court of Cook County, Illinois. The plaintiff, a customer of the Bank, alleges that the Bank breached its contract with the plaintiff by (1) charging multiple insufficient funds fees or overdraft fees on a single customer-initiated transaction, and (2) charging overdraft fees for transactions that were authorized on a positive account balance, but when settled, settled into a negative balance.

Miller, et al v. State Bank of Lincoln and Heartland Bank and Trust Company

The Bank was a defendant in a purported class action lawsuit filed in May 2020, in the Circuit Court of Logan County, Illinois. The plaintiff, a customer of State Bank of Lincoln, which previously merged with the Bank, alleges that the Bank breached its contract with the plaintiff by charging multiple insufficient funds fees or overdraft fees on a single customer-initiated transaction.

On May 15, 2023, the Bank reached an agreement in principle to settle both the DeBaere, et al and Miller, et al cases in which the Bank would make one-time cash payments totaling $3.4 million, without admitting fault, to release the Bank from further liability and claims in both the cases.

Definitive settlement agreements reflecting the terms of the agreement in principle were approved by the Court on December 15, 2023 in the DeBaere, et al case and on February 16, 2024 in the Miller, et al case. The Bank made the one-time cash payments totaling $3.4 million during the year ended December 31, 2023. The settlements do not include any admission of liability or wrongdoing by the Bank, and the Bank expressly denies any liability or wrongdoing with respect to any matter alleged in the Class Action and Receiver’s Action. The Bank agreed to the settlements to avoid the cost, risks and distraction of continued litigation. The Company believes the settlements are in the best interests of the Company and its shareholders.

An initial $2.6 million accrual was recognized in other noninterest expense during the year ended December 31, 2022, reflecting management’s best estimate at that time, and an additional $0.8 million accrual was recognized in other noninterest expense during the the year ended December 31, 2023, following the agreement in principle to settle both the DeBaere, et al and Miller, et al cases.

John Pickett v. Town and Country Bank

The Bank is a defendant in a purported class action lawsuit filed in October 2023, in the Circuit Court of Sangamon County, Illinois. The plaintiff, a customer of Town and Country Bank, which previously merged with the Bank, alleges that the Bank breached its contract with the plaintiff by charging overdraft fees for transactions that were authorized on a positive account balance, but when settled, settled into a negative balance.

On March 29, 2024, the Bank reached an agreement in principle to settle this case in which the Bank would make a one-time cash payment of $0.3 million, without admitting fault, to release the Bank from further liability and claims in the case.

A definitive settlement agreement reflecting the terms of the agreement in principle was approved by the Court on July 9, 2024. The Bank made the one-time cash payment of $0.3 million during the year ended December 31, 2024. The settlement does not include any admission of liability or wrongdoing by the Bank, and the Bank expressly denies any liability or wrongdoing with respect to any matter alleged in the case. The Bank has agreed to the settlement to avoid the cost, risks, and distraction of continued litigation. The Company believes the settlement is in the best interests of the Company and its shareholders.

An initial accrual of $0.2 million was recorded during the year ended December 31, 2023, reflecting management's best estimate at that time, and an additional $0.1 million accrual was recorded during the year ended December 31, 2024.

COMMITMENTS AND CONTINGENCIES (Tables)

12 Months Ended

Dec. 31, 2025

Commitments and Contingencies Disclosure [Abstract]

Schedule of Commitments and Conditional Obligations

Such commitments and conditional obligations were as follows:


	Contractual Amount
(dollars in thousands)	December 31, 2025		December 31, 2024

Commitments to extend credit	$	855,014	$	845,413
Standby letters of credit	29,727		18,329

CONDENSED PARENT COMPANY ONLY FINANCIAL STATEMENTS - Consolidated Parent Company Only Statements of Cash Flow (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Adjustments to reconcile net income to net cash provided by operating activities:
Stock-based compensation	$ 1,943	$ 1,752	$ 1,953
Net loss (gain) on extinguishment of subordinated debt	391	0	0
Net gain on sales of foreclosed assets	(155)	(112)	(764)
Net cash provided by operating activities	85,070	89,372	65,829
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales of equity securities	81	58	0
Proceeds from sale of foreclosed assets	1,285	1,396	4,093
Net cash paid for acquisition of Town and Country	0	0	(14,454)
Net cash provided by (used in) investing activities	(39,640)	32,346	132,663
CASH FLOWS FROM FINANCING ACTIVITIES
Repayment of subordinated notes	(40,000)	0	0
Taxes paid related to the vesting of restricted stock units	(691)	(331)	(181)
Repurchase of common stock	(4,505)	(4,423)	(8,907)
Cash dividends and dividend equivalents paid	(26,609)	(24,183)	(21,873)
Net cash used in financing activities	(60,853)	(125,278)	(171,399)
NET DECREASE IN CASH AND EQUIVALENTS	(15,423)	(3,560)	27,093
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	137,692	141,252	114,159
CASH AND CASH EQUIVALENTS AT END OF YEAR	122,269	137,692	141,252
Reportable Legal Entities \| Consolidated HBT Financial, Inc.
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	77,008	71,780	65,842
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings of consolidated subsidiaries	(11,846)	(44,684)	(9,199)
Stock-based compensation	1,943	1,752	1,953
Net loss (gain) on extinguishment of subordinated debt	391	0	0
Amortization of discount and issuance costs on subordinated notes and debentures	116	139	139
Net gain on sales of foreclosed assets	0	0	(563)
Changes in other assets and liabilities, net	(136)	(1,105)	360
Net cash provided by operating activities	67,476	27,882	58,532
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales of equity securities	0	20	0
Proceeds from sale of foreclosed assets	0	0	2,888
Net cash paid for acquisition of Town and Country	0	0	(37,523)
Net cash provided by (used in) investing activities	0	20	(34,635)
CASH FLOWS FROM FINANCING ACTIVITIES
Repayment of subordinated notes	(40,000)	0	0
Taxes paid related to the vesting of restricted stock units	(691)	(331)	(181)
Repurchase of common stock	(4,505)	(4,423)	(8,907)
Cash dividends and dividend equivalents paid	(26,609)	(24,183)	(21,873)
Net cash used in financing activities	(71,805)	(28,937)	(30,961)
NET DECREASE IN CASH AND EQUIVALENTS	(4,329)	(1,035)	(7,064)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	16,179	17,214	24,278
CASH AND CASH EQUIVALENTS AT END OF YEAR	$ 11,850	$ 16,179	$ 17,214

Cover - USD ($) $ in Millions	12 Months Ended
Cover - USD ($) $ in Millions	Dec. 31, 2025	Feb. 18, 2026	Jun. 30, 2025
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2025
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-39085
Entity Registrant Name	HBT Financial, Inc.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	37-1117216
Entity Address, Address Line One	401 North Hershey Rd
Entity Address, City or Town	Bloomington
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	61704
City Area Code	309
Local Phone Number	662-4444
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	HBT
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction	false
Entity Shell Company	false
Entity Public Float			$ 318.3
Entity Common Stock, Shares Outstanding		31,431,924
Documents Incorporated by Reference	Items 10, 11, 12, 13 and 14 of Part III incorporate information by reference from the definitive Proxy Statement for the 2026 Annual Meeting of Stockholders of HBT Financial, Inc. to be filed within 120 days of December 31, 2025.
Entity Central Index Key	0000775215
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	FY
Amendment Flag	false

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 77,008	$ 71,780	$ 65,842
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation expense	3,200	2,944	3,108
Provision for credit losses	3,161	3,031	7,573
Net amortization of debt securities	2,264	3,641	5,730
Deferred income tax expense	329	996	3,817
Stock-based compensation	1,943	1,752	1,953
Net accretion of discount and deferred loan fees on loans	(7,117)	(7,187)	(7,228)
Net realized loss on sales of securities	200	3,697	1,820
Net unrealized loss (gain) on equity securities	(7)	59	(160)
Net loss (gain) on disposals of bank premises and equipment	87	55	(84)
Net gain on sales of bank premises held for sale	(52)	0	(81)
Impairment losses on bank premises held for sale	50	580	0
Net gain on sales of foreclosed assets	(155)	(112)	(764)
Write-down of foreclosed assets	151	90	263
Amortization of intangibles	2,726	2,839	2,670
Decrease in fair value of mortgage servicing rights	1,883	174	1,615
Net loss (gain) on extinguishment of subordinated debt	391	0	0
Amortization of discount and issuance costs on subordinated notes and debentures	116	139	139
Amortization of discount on Federal Home Loan Bank advances	158	401	379
Amortization of premium on time deposits	0	(108)	(400)
Mortgage loans originated for sale	(49,176)	(62,649)	(69,663)
Proceeds from sale of mortgage loans	50,976	64,992	71,098
Net gain on sale of mortgage loans	(1,477)	(1,611)	(1,526)
Increase in cash surrender value of bank owned life insurance	(671)	(668)	(566)
Net gain on bank owned life insurance proceeds	0	(247)	0
Decrease (increase) in accrued interest receivable	991	(236)	(1,915)
Decrease in other assets	645	3,053	2,174
Increase (decrease) in other liabilities	(2,554)	1,967	(19,965)
Net cash provided by operating activities	85,070	89,372	65,829
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities of interest-bearing time deposits with banks	0	520	249
Purchase of interest-bearing time deposits with banks	0	(11)	(509)
Proceeds from sales of debt securities	4,125	69,174	185,280
Proceeds from sales and redemptions of equity securities	81	58	0
Proceeds from paydowns, maturities, and calls of debt securities	186,386	126,340	102,625
Purchase of debt securities	(234,264)	(105,147)	(2,640)
Purchase of equity securities	(64)	(196)	(397)
Purchase of loans	(9,782)	(14,566)	(61,009)
Net decrease (increase) in loans	22,338	(42,623)	(81,641)
Purchase of restricted stock	0	0	(23,832)
Proceeds from redemption of restricted stock	107	2,074	27,459
Proceeds from bank owned life insurance	0	831	0
Purchases of bank premises and equipment	(10,247)	(5,506)	(3,134)
Proceeds from sales of bank premises and equipment	76	2	222
Proceeds from sales of bank premises held for sale	319	0	351
Proceeds from sales of foreclosed assets	1,285	1,396	4,093
Net cash paid for acquisition of Town and Country	0	0	(14,454)
Net cash provided by (used in) investing activities	(39,640)	32,346	132,663
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	41,009	(83,075)	94,396
Net decrease in repurchase agreements	(28,969)	(13,473)	(639)
Net decrease in short-term Federal Home Loan Bank advances	0	0	(234,195)
Proceeds from long-term Federal Home Loan Bank advances	6,800	907	0
Repayment of long-term Federal Home Loan Bank advances	(7,888)	(700)	0
Repayment of subordinated notes	(40,000)	0	0
Taxes paid related to the vesting of restricted stock units	(691)	(331)	(181)
Repurchase of common stock	(4,505)	(4,423)	(8,907)
Cash dividends and dividend equivalents paid	(26,609)	(24,183)	(21,873)
Net cash used in financing activities	(60,853)	(125,278)	(171,399)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(15,423)	(3,560)	27,093
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	137,692	141,252	114,159
CASH AND CASH EQUIVALENTS AT END OF YEAR	122,269	137,692	141,252
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
Cash paid for interest	58,172	64,723	32,853
Net cash paid for income taxes:
Federal	18,425	16,425	13,795
Total	26,615	23,876	20,512
SUPPLEMENTAL DISCLOSURES OF NONCASH INVESTING ACTIVITIES
Transfers of loans to foreclosed assets	2,040	889	1,143
Transfers of bank premises and equipment to bank premises held for sale	0	317	35
Illinois
Net cash paid for income taxes:
State	7,875	6,195	6,150
Other states
Net cash paid for income taxes:
State	$ 315	$ 1,256	$ 567

DERIVATIVE FINANCIAL INSTRUMENTS

12 Months Ended

Dec. 31, 2025

Derivative Instruments and Hedging Activities Disclosure [Abstract]

DERIVATIVE FINANCIAL INSTRUMENTS

Derivative financial instruments are negotiated contracts entered into by two issuing counterparties containing specific agreement terms, including the underlying instrument, amount, exercise price, and maturities. The derivatives accounting guidance requires that the Company recognize all derivative financial instruments as either assets or liabilities at fair value in the consolidated balance sheets. The Company may utilize interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position.

Interest Rate Swaps Designated as Cash Flow Hedges

For derivative instruments that are designated and qualify as a cash flow hedge, the gain or loss on interest rate swaps designated as cash flow hedging instruments, net of tax, is reported as a component of accumulated other comprehensive income (loss) and reclassified into earnings in the same period or periods during which the hedged transactions affect earnings.

The interest rate swap agreement designated as a cash flow hedge was as follows:


	December 31, 2025				December 31, 2024
(dollars in thousands)	Notional Amount		Fair Value		Notional Amount		Fair Value

Fair value recorded in other assets	$	—	$	—	$	7,000	$	38

The interest rate swap agreement matured in April 2025. The effect of interest rate swap agreements designated as cash flow hedges on the consolidated statements of income was as follows:


Location of gross gain (loss) reclassified from accumulated other comprehensive income (loss) to income	Amounts of gross gain (loss) reclassified from accumulated other comprehensive income (loss)
	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Designated as cash flow hedges:
Junior subordinated debentures interest expense		$	38	$	348	$	468

Interest Rate Swaps Not Designated as Hedging Instruments

The Company may offer interest rate swap agreements to its commercial borrowers in connection with their risk management needs. The Company manages the interest rate risk associated with these contracts by entering into an equal and offsetting derivative with a third-party financial institution. While these interest rate swap agreements generally work together as an economic interest rate hedge, the Company did not designate them for hedge accounting treatment. Consequently, changes in fair value of the corresponding derivative financial asset or liability were recorded as either a charge or credit to current earnings during the period in which the changes occurred.

The interest rate swap agreements not designated as hedging instruments were as follows:


	December 31, 2025				December 31, 2024
(dollars in thousands)	Notional Amount		Fair Value		Notional Amount		Fair Value

Fair value recorded in other assets:
Interest rate swaps with a commercial borrower counterparty	$	6,344	$	75	$	—	$	—
Interest rate swaps with a financial institution counterparty	73,011		2,915		79,416		5,515
Total fair value recorded in other assets	$	79,355	$	2,990	$	79,416	$	5,515

Fair value recorded in other liabilities:
Interest rate swaps with a commercial borrower counterparty	$	73,011	$	(2,915)	$	79,416	$	(5,515)
Interest rate swaps with a financial institution counterparty	6,344		(75)		—		—
Total fair value recorded in other liabilities	$	79,355	$	(2,990)	$	79,416	$	(5,515)

As of December 31, 2025, the interest rate swap agreements not designated as hedging instruments had contractual maturities between 2027 and 2040.

The effect of interest rate contracts not designated as hedging instruments recognized in other noninterest income on the consolidated statements of income was as follows:


	Year Ended December 31,
(dollars in thousands)		2025		2024		2023

Not designated as hedging instruments:
Gross gains		$	4,335	$	10,781	$	11,198
Gross losses		(4,335)		(10,781)		(11,198)
Net gains (losses)		$	—	$	—	$	—

Risk Participation Agreements

We have entered into a risk participation agreement to share credit exposure with a counterparty in an interest rate swap agreement associated with a loan participation. Under the risk participation agreement, the Company sold a portion of its credit exposure, receiving an up-front fee, and will be required to make a payment to the counterparty if the loan customer defaults on its obligations. The risk participation agreement matures in 2035 and is summarized as follows:


(dollars in thousands)	December 31, 2025		December 31, 2024

Risk participation agreements sold
Number of risk participation agreements	1		1
Notional amount	$	5,268	$	5,268
Fair value	(10)		(10)

- Definition

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

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+ Details

BORROWINGS (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Debt Instrument [Line Items]
FHLB borrowings	$ 12,301	$ 13,231
Weighted average rate	0.66%	0.54%
Securities pledged, served as collateral	$ 1,960,000	$ 1,910,000
Credit exposure collateral	400	400
Collateral amount	119,600	108,000
Letter of Credit \| Secured Debt
Debt Instrument [Line Items]
Debt	$ 70,200	$ 70,000

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details