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DERIVATIVE FINANCIAL INSTRUMENTS - Schedule of Interest Rate Swap Agreements Not Designated as Hedging Instruments (Details) - Not Designated as Hedging Instrument - Interest Rate Swap - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	$ 76,061	$ 79,355
Fair Value	3,032	2,990
Derivative liability notional amount	76,061	79,355
Derivative financial liabilities fair value	(3,032)	(2,990)
Interest rate swaps with a commercial borrower counterparty
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	2,528	6,344
Fair Value	45	75
Derivative liability notional amount	73,533	73,011
Derivative financial liabilities fair value	(2,987)	(2,915)
Interest rate swaps with a financial institution counterparty
DERIVATIVE FINANCIAL INSTRUMENTS
Notional Amount	73,533	73,011
Fair Value	2,987	2,915
Derivative liability notional amount	2,528	6,344
Derivative financial liabilities fair value	$ (45)	$ (75)

- Definition

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+ Details

FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of Quantitative Information About the Unobservable Inputs Used in Non-Recurring Level 3 Fair Value Measurements (Details) $ in Thousands	Mar. 31, 2026 USD ($)	Dec. 31, 2025 USD ($)
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	$ 4,686,951	$ 3,456,209
Foreclosed assets	1,149	1,126
Fair Value, Nonrecurring
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale	337
Foreclosed assets	1,149	1,126
Fair Value, Nonrecurring \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	28,678	23,196
Fair Value, Nonrecurring \| Level 3 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale	337
Foreclosed assets	$ 1,149	1,126
Fair Value, Nonrecurring \| Level 3 Inputs \| Appraisal adjustments
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale, measurement input	0.07
Fair Value, Nonrecurring \| Level 3 Inputs \| Valuation, Market Approach
FAIR VALUE OF FINANCIAL INSTRUMENTS
Foreclosed assets	$ 1,149	$ 1,126
Fair Value, Nonrecurring \| Level 3 Inputs \| Valuation, Market Approach \| Appraisal adjustments
FAIR VALUE OF FINANCIAL INSTRUMENTS
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	$ 28,678	$ 23,196
Fair Value, Nonrecurring \| Level 3 Inputs \| Collateral-dependent loans \| Valuation, Market Approach
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans, before allowance for credit losses	$ 28,678	$ 23,196
Fair Value, Nonrecurring \| Level 3 Inputs \| Weighted Average \| Appraisal adjustments
FAIR VALUE OF FINANCIAL INSTRUMENTS
Bank premises held for sale, measurement input	0.07
Fair Value, Nonrecurring \| Level 3 Inputs \| Weighted Average \| Valuation, Market Approach \| Appraisal adjustments
FAIR VALUE OF FINANCIAL INSTRUMENTS
Foreclosed assets, measurement input	0.07	0.07

REGULATORY CAPITAL

3 Months Ended

Mar. 31, 2026

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 March 31, 2026 and December 31, 2025, 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:


	March 31, 2026
	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)	$	848,235	15.99	%	$	424,463	8.00	%	N/A		N/A
Tier 1 Capital (to Risk Weighted Assets)	710,026		13.38		318,347		6.00		N/A		N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)	658,716		12.42		238,760		4.50		N/A		N/A
Tier 1 Capital (to Average Assets)	710,026		12.63		224,898		4.00		N/A		N/A

Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)	$	819,747	15.46	%	$	424,096	8.00	%	$	530,120	10.00	%
Tier 1 Capital (to Risk Weighted Assets)	765,541		14.44		318,072		6.00		424,096		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)	765,541		14.44		238,554		4.50		344,578		6.50
Tier 1 Capital (to Average Assets)	765,541		13.63		224,710		4.00		280,887		5.00


	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

- 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

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Major categories of loans are summarized as follows:


(dollars in thousands)	March 31, 2026		December 31, 2025

Commercial and industrial	$	528,301	$	399,760
Commercial real estate - owner occupied	519,847		320,434
Commercial real estate - non-owner occupied	1,099,784		937,094
Construction and land development	425,335		280,254
Multi-family	638,653		544,941
One-to-four family residential	614,563		445,463
Agricultural and farmland	596,294		275,251
Municipal, consumer, and other	264,174		253,012
Loans, before allowance for credit losses	4,686,951		3,456,209
Allowance for credit losses	(60,474)		(41,690)
Loans, net of allowance for credit losses	$	4,626,477	$	3,414,519

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 March 31, 2026, the economic forecast used by management anticipates that the unemployment rate will remain relatively flat and that gross domestic product ("GDP") will grow at a modest pace during the next four quarters. After the forecast period, the Company reverts to long-term averages over a four-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:


	Three Months Ended March 31, 2026
(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

Beginning balance	$	6,975	$	4,383	$	8,705	$	3,899	$	5,484	$	3,535	$	758	$	7,951	$	41,690
Allowance established in acquisition	3,415		3,775		3,103		3,475		2,117		2,202		991		879		19,957
Provision for credit losses	(136)		492		(225)		(867)		(379)		(117)		138		679		(415)
Charge-offs	(584)		(246)		—		(1)		—		(6)		—		(164)		(1,001)
Recoveries	123		2		15		1		3		31		4		64		243
Ending balance	$	9,793	$	8,406	$	11,598	$	6,507	$	7,225	$	5,645	$	1,891	$	9,409	$	60,474

	Three Months Ended March 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

Beginning balance	$	5,357	$	3,107	$	11,707	$	4,302	$	4,331	$	3,908	$	1,170	$	8,162	$	42,044

Provision for credit losses	1,055		192		(514)		324		(213)		(112)		108		(344)		496
Charge-offs	(385)		(1)		—		(6)		—		(85)		—		(188)		(665)
Recoveries	59		2		—		1		—		44		38		92		236
Ending balance	$	6,086	$	3,300	$	11,193	$	4,621	$	4,118	$	3,755	$	1,316	$	7,722	$	42,111

Gross charge-offs, further sorted by origination year, were as follows during the three months ended March 31, 2026 and 2025.


	Gross Charge-Offs for the Three Months Ended March 31, 2026
	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
(dollars in thousands)	2026		2025		2024		2023		2022		Prior

Commercial and industrial	$	—	$	402	$	—	$	90	$	58	$	—	$	34	$	—	$	584
Commercial real estate - owner occupied	—		212		—		—		—		—		34		—		246
Commercial real estate - non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land development	—		—		—		—		—		1		—		—		1
Multi-family	—		—		—		—		—		—		—		—		—
One-to-four family residential	—		—		—		1		1		3		1		—		6
Agricultural and farmland	—		—		—		—		—		—		—		—		—
Municipal, consumer, and other	26		74		7		—		—		—		57		—		164
Total	$	26	$	688	$	7	$	91	$	59	$	4	$	126	$	—	$	1,001

	Gross Charge-Offs for the Three Months Ended March 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	$	—	$	—	$	319	$	—	$	46	$	—	$	20	$	—	$	385
Commercial real estate - owner occupied	—		—		—		—		1		—		—		—		1
Commercial real estate - non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land development	—		—		—		2		—		4		—		—		6
Multi-family	—		—		—		—		—		—		—		—		—
One-to-four family residential	—		—		—		1		—		81		3		—		85
Agricultural and farmland	—		—		—		—		—		—		—		—		—
Municipal, consumer, and other	67		60		1		—		—		—		60		—		188
Total	$	67	$	60	$	320	$	3	$	47	$	85	$	83	$	—	$	665

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


	March 31, 2026
(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	$	526,325	$	517,108	$	1,095,556	$	424,335	$	638,591	$	607,233	$	595,366	$	250,675	$	4,655,189
Individually evaluated	1,976		2,739		4,228		1,000		62		7,330		928		13,499		31,762
Total	$	528,301	$	519,847	$	1,099,784	$	425,335	$	638,653	$	614,563	$	596,294	$	264,174	$	4,686,951

Allowance for credit losses:
Collectively evaluated	$	9,135	$	7,482	$	11,598	$	6,501	$	7,225	$	5,519	$	1,891	$	8,039	$	57,390
Individually evaluated	658		924		—		6		—		126		—		1,370		3,084
Total	$	9,793	$	8,406	$	11,598	$	6,507	$	7,225	$	5,645	$	1,891	$	9,409	$	60,474

	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	$	398,573	$	318,669	$	932,972	$	280,254	$	544,941	$	442,029	$	274,086	$	239,364	$	3,430,888
Individually evaluated	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	$	6,739	$	3,764	$	8,705	$	3,899	$	5,484	$	3,525	$	758	$	6,691	$	39,565
Individually evaluated	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

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:


	March 31, 2026
	Amortized Cost								Allowance for Credit Losses
	Primary Collateral Type
(dollars in thousands)	Real Estate		Vehicles		Other		Total

Commercial and industrial	$	—	$	416	$	1,560	$	1,976	$	658
Commercial real estate - owner occupied	2,562		—		177		2,739		924
Commercial real estate - non-owner occupied	4,177		—		51		4,228		—
Construction and land development	1,000		—		—		1,000		6
Multi-family	62		—		—		62		—
One-to-four family residential	7,330		—		—		7,330		126
Agricultural and farmland	55		—		873		928		—
Municipal, consumer, and other	9,652		8		3,839		13,499		1,370
Total	$	24,838	$	424	$	6,500	$	31,762	$	3,084

	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

Accrued interest on loans is excluded from the estimate of credit losses and totaled $28.2 million and $18.2 million as of March 31, 2026 and December 31, 2025, 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:


	March 31, 2026
	Accruing Interest
(dollars in thousands)	Current		30 - 89 Days Past Due		90+ Days Past Due		Nonaccrual		Total Loans

Commercial and industrial	$	525,532	$	1,264	$	—	$	1,505	$	528,301
Commercial real estate - owner occupied	517,109		522		—		2,216		519,847
Commercial real estate - non-owner occupied	1,098,193		1,435		—		156		1,099,784
Construction and land development	424,236		99		—		1,000		425,335
Multi-family	638,478		113		—		62		638,653
One-to-four family residential	605,555		1,678		—		7,330		614,563
Agricultural and farmland	593,964		1,402		—		928		596,294
Municipal, consumer, and other	263,859		283		—		32		264,174
Total	$	4,666,926	$	6,796	$	—	$	13,229	$	4,686,951


	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

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


	March 31, 2026
(dollars in thousands)	Nonaccrual With Allowance for Credit Losses		Nonaccrual With No Allowance for Credit Losses		Total Nonaccrual

Commercial and industrial	$	836	$	669	$	1,505
Commercial real estate - owner occupied	740		1,476		2,216
Commercial real estate - non-owner occupied	—		156		156
Construction and land development	6		994		1,000
Multi-family	—		62		62
One-to-four family residential	704		6,626		7,330
Agricultural and farmland	—		928		928
Municipal, consumer, and other	19		13		32
Total	$	2,305	$	10,924	$	13,229

	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

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 March 31, 2026 and December 31, 2025.

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


	March 31, 2026
(dollars in thousands)	Pass		Pass-Watch		Special Mention		Substandard		Total

Commercial and industrial	$	472,076	$	32,810	$	10,060	$	13,355	$	528,301
Commercial real estate - owner occupied	480,277		23,607		3,321		12,642		519,847
Commercial real estate - non-owner occupied	1,026,046		64,720		1,600		7,418		1,099,784
Construction and land development	419,964		3,350		702		1,319		425,335
Multi-family	589,997		47,283		—		1,373		638,653
One-to-four family residential	586,920		12,699		1,377		13,567		614,563
Agricultural and farmland	491,430		71,449		13,936		19,479		596,294
Municipal, consumer, and other	250,479		87		17		13,591		264,174
Total	$	4,317,189	$	256,005	$	31,013	$	82,744	$	4,686,951


	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

Risk ratings of loans, further sorted by origination year, are as follows as of March 31, 2026:


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2026		2025		2024		2023		2022		Prior
Commercial and industrial
Pass	$	27,879	$	68,921	$	49,541	$	47,923	$	40,609	$	28,845	$	206,242	$	2,116	$	472,076
Pass-Watch	774		802		2,295		1,685		512		1,154		25,370		218		32,810
Special Mention	19		39		250		—		174		23		9,255		300		10,060
Substandard	40		1,318		596		1,073		1,545		1,206		6,652		925		13,355
Total	$	28,712	$	71,080	$	52,682	$	50,681	$	42,840	$	31,228	$	247,519	$	3,559	$	528,301

Commercial real estate - owner occupied
Pass	$	17,177	$	94,724	$	84,922	$	43,300	$	85,040	$	132,395	$	22,415	$	304	$	480,277
Pass-Watch	403		4,836		2,315		609		3,729		4,639		7,029		47		23,607
Special Mention	—		1,650		—		—		—		171		1,500		—		3,321
Substandard	1,565		1,319		712		145		3,515		3,105		2,250		31		12,642
Total	$	19,145	$	102,529	$	87,949	$	44,054	$	92,284	$	140,310	$	33,194	$	382	$	519,847

Commercial real estate - non-owner occupied
Pass	$	71,009	$	240,195	$	93,134	$	105,251	$	196,768	$	294,200	$	22,905	$	2,584	$	1,026,046
Pass-Watch	5,057		11,567		6,670		2,442		13,975		24,526		483		—		64,720
Special Mention	—		—		—		—		—		1,600		—		—		1,600
Substandard	4,073		—		407		206		64		2,668		—		—		7,418
Total	$	80,139	$	251,762	$	100,211	$	107,899	$	210,807	$	322,994	$	23,388	$	2,584	$	1,099,784

Construction and land development
Pass	$	68,699	$	238,685	$	72,922	$	24,698	$	2,587	$	6,043	$	4,544	$	1,786	$	419,964
Pass-Watch	2,391		684		243		—		17		15		—		—		3,350
Special Mention	—		333		—		—		—		—		—		369		702
Substandard	—		999		—		271		—		49		—		—		1,319
Total	$	71,090	$	240,701	$	73,165	$	24,969	$	2,604	$	6,107	$	4,544	$	2,155	$	425,335

Multi-family
Pass	$	13,489	$	209,695	$	55,194	$	81,175	$	84,232	$	143,085	$	2,113	$	1,014	$	589,997
Pass-Watch	4,802		—		—		11,984		29,259		1,238		—		—		47,283
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		62		—		1,027		—		284		—		—		1,373
Total	$	18,291	$	209,757	$	55,194	$	94,186	$	113,491	$	144,607	$	2,113	$	1,014	$	638,653

One-to-four family residential
Pass	$	60,627	$	98,675	$	43,594	$	59,278	$	94,740	$	146,539	$	77,982	$	5,485	$	586,920
Pass-Watch	2,796		2,363		192		832		1,259		4,589		392		276		12,699
Special Mention	106		—		—		311		901		—		59		—		1,377
Substandard	50		2,841		325		1,920		574		6,807		597		453		13,567
Total	$	63,579	$	103,879	$	44,111	$	62,341	$	97,474	$	157,935	$	79,030	$	6,214	$	614,563

Agricultural and farmland
Pass	$	28,074	$	90,957	$	59,338	$	41,588	$	31,195	$	87,365	$	138,152	$	14,761	$	491,430
Pass-Watch	840		13,453		3,067		5,809		2,950		26,135		19,124		71		71,449
Special Mention	61		3,278		605		1,802		826		3,033		3,186		1,145		13,936
Substandard	122		2,316		782		1,449		2,455		5,814		6,538		3		19,479
Total	$	29,097	$	110,004	$	63,792	$	50,648	$	37,426	$	122,347	$	167,000	$	15,980	$	596,294


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2026		2025		2024		2023		2022		Prior
Municipal, consumer, and other
Pass	$	31,925	$	53,852	$	30,154	$	19,515	$	15,394	$	57,460	$	42,159	$	20	$	250,479
Pass-Watch	—		35		—		—		6		33		13		—		87
Special Mention	—		3		—		—		14		—		—		—		17
Substandard	2		23		26		33		5		13,498		4		—		13,591
Total	$	31,927	$	53,913	$	30,180	$	19,548	$	15,419	$	70,991	$	42,176	$	20	$	264,174

Total by risk rating
Pass	$	318,879	$	1,095,704	$	488,799	$	422,728	$	550,565	$	895,932	$	516,512	$	28,070	$	4,317,189
Pass-Watch	17,063		33,740		14,782		23,361		51,707		62,329		52,411		612		256,005
Special Mention	186		5,303		855		2,113		1,915		4,827		14,000		1,814		31,013
Substandard	5,852		8,878		2,848		6,124		8,158		33,431		16,041		1,412		82,744
Total	$	341,980	$	1,143,625	$	507,284	$	454,326	$	612,345	$	996,519	$	598,964	$	31,908	$	4,686,951

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

Modifications

There were no loan modifications to borrowers experiencing financial difficulty during the three months ended March 31, 2026 and 2025. As of March 31, 2026 and December 31, 2025, there were no loans modified to borrowers experiencing financial difficulty within the last 12 months.

Pledged Loans

As of March 31, 2026 and December 31, 2025, the Company pledged loans totaling $2.81 billion and $1.96 billion, respectively, to the Federal Home Loan Bank of Chicago (“FHLB”) to secure available FHLB advance borrowing capacity.

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)

3 Months Ended

Mar. 31, 2026

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
(dollars in thousands)	Available-for-Sale		Held-to-Maturity		Derivatives		Total

Three Months Ended March 31, 2026
Balance, December 31, 2025	$	(17,320)	$	(5,698)	$	—	$	(23,018)
Other comprehensive loss before reclassifications	(6,495)		—		—		(6,495)
Reclassifications	—		449		—		449
Other comprehensive income (loss), before tax	(6,495)		449		—		(6,046)
Income tax expense (benefit)	(1,819)		126		—		(1,693)
Other comprehensive income (loss), after tax	(4,676)		323		—		(4,353)
Balance, March 31, 2026	$	(21,996)	$	(5,375)	$	—	$	(27,371)

Three Months Ended March 31, 2025
Balance, December 31, 2024	$	(39,408)	$	(7,119)	$	(238)	$	(46,765)

Other comprehensive income before reclassifications	11,085		—		1		11,086
Reclassifications	—		504		(36)		468
Other comprehensive income (loss), before tax	11,085		504		(35)		11,554
Income tax expense (benefit)	3,104		141		(10)		3,235
Other comprehensive income (loss), after tax	7,981		363		(25)		8,319
Balance, March 31, 2025	$	(31,427)	$	(6,756)	$	(263)	$	(38,446)

REGULATORY CAPITAL - Narrative (Details)	Mar. 31, 2026
Banking and Thrift, Other Disclosure [Abstract]
For capital adequacy purposes, ratio (as a percent).	0.025

EARNINGS PER SHARE (Tables)

3 Months Ended

Mar. 31, 2026

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:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Numerator:
Net income	$	11,200	$	19,075



Denominator:
Weighted average common shares outstanding	33,180,009		31,584,989
Dilutive effect of outstanding restricted stock units	120,087		126,682
Weighted average common shares outstanding, including all dilutive potential shares	33,300,096		31,711,671

Earnings per share - basic	$	0.34	$	0.60
Earnings per share - diluted	$	0.34	$	0.60

BUSINESS COMBINATIONS - Schedule of Expenses Related to the Acquisition (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Business Combination [Line Items]
Salaries	$ 23,061	$ 17,053
Occupancy of bank premises	3,124	2,625
Furniture and equipment	608	445
Data processing	11,794	2,717
Marketing and customer relations	1,144	1,144
Loan collection and servicing	696	383
CNB Bank Shares, Inc.
Business Combination [Line Items]
Salaries	4,003	0
Occupancy of bank premises	105	0
Furniture and equipment	63	0
Data processing	8,668	0
Marketing and customer relations	69	0
Loan collection and servicing	320	0
Professional fees and other noninterest expense	2,438	0
Total acquisition-related expenses	$ 15,666	$ 0

COMMITMENTS AND CONTINGENCIES (Tables)

3 Months Ended

Mar. 31, 2026

Commitments and Contingencies Disclosure [Abstract]

Schedule of Commitments and Conditional Obligations

Such commitments and conditional obligations were as follows:


	Contractual Amount
(dollars in thousands)	March 31, 2026		December 31, 2025

Commitments to extend credit	$	1,108,345	$	855,014
Standby letters of credit	35,500		29,727

Schedule of Provision for Credit Losses on Unfunded Lending-Related Commitments

The following table sets forth the provision for credit losses on unfunded lending-related commitments for the periods indicated:


	Three Months Ended March 31,
(dollars in thousands)	2026	2025

Provision for credit losses on unfunded lending-related commitments	259	825

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Pledged Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans	$ 4,626,477	$ 3,414,519
Pledged assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans	$ 2,810,000	$ 1,960,000

STOCK-BASED COMPENSATION PLANS - Narrative (Details) - USD ($)	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
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	$ 1,700,000	$ 1,100,000
Intrinsic value of restricted stock units	1,400,000	1,400,000
Unrecognized compensation cost related to non-vested stock-based compensation agreements	$ 2,100,000
Weighted average remaining service period (in years)	2 years
Performance restricted stock units
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Intrinsic value of restricted stock units	$ 700,000	1,100,000
Unrecognized compensation cost related to non-vested stock-based compensation agreements	$ 600,000
Weighted average remaining service period (in years)	1 year 7 months 6 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	$ 500,000	$ 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 (in years)	3 years 4 months 24 days
Stock appreciation rights plan liability recorded for the outstanding units	$ 700,000		$ 700,000
Omnibus Incentive Plan
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Authorized number of shares (in shares)	1,820,000

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Amortized Cost of Collateralized Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	$ 31,762	$ 25,321
Allowance for Credit Losses	3,084	2,125
Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	31,762	25,321
Allowance for Credit Losses	3,084	2,125
Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	24,838	19,825
Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	424	362
Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	6,500	5,134
Commercial and industrial
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,976	1,187
Allowance for Credit Losses	658	236
Commercial and industrial \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,976	1,187
Allowance for Credit Losses	658	236
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	416	362
Commercial and industrial \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,560	825
Commercial real estate - owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	2,739	1,765
Allowance for Credit Losses	924	619
Commercial real estate - owner occupied \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	2,739	1,765
Allowance for Credit Losses	924	619
Commercial real estate - owner occupied \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	2,562	1,765
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	177	0
Commercial real estate - non-owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	4,228	4,122
Allowance for Credit Losses	0	0
Commercial real estate - non-owner occupied \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	4,228	4,122
Allowance for Credit Losses	0	0
Commercial real estate - non-owner occupied \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	4,177	4,122
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	51	0
Construction and land development
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,000	0
Allowance for Credit Losses	6	0
Construction and land development \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,000	0
Allowance for Credit Losses	6	0
Construction and land development \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	1,000	0
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	62	0
Allowance for Credit Losses	0	0
Multi-family \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	62	0
Allowance for Credit Losses	0	0
Multi-family \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	62	0
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	7,330	3,434
Allowance for Credit Losses	126	10
One-to-four family residential \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	7,330	3,434
Allowance for Credit Losses	126	10
One-to-four family residential \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	7,330	3,434
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	928	1,165
Allowance for Credit Losses	0	0
Agricultural and farmland \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	928	1,165
Allowance for Credit Losses	0	0
Agricultural and farmland \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	55	736
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	873	429
Municipal, consumer, and other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	13,499	13,648
Allowance for Credit Losses	1,370	1,260
Municipal, consumer, and other \| Collateral-dependent loans
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	13,499	13,648
Allowance for Credit Losses	1,370	1,260
Municipal, consumer, and other \| Real Estate
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	9,652	9,768
Municipal, consumer, and other \| Vehicles
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	8	0
Municipal, consumer, and other \| Other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Amortized Cost	$ 3,839	$ 3,880

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying Amount and Estimated Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financial assets:
Debt securities held-to-maturity	$ 420,524	$ 426,799
Financial liabilities:
Federal Home Loan Bank advances	12,332	12,301
Level 1 Inputs \| Carrying Amount
Financial assets:
Cash and cash equivalents	287,653	122,269
Level 1 Inputs \| Estimated Fair Value
Financial assets:
Cash and cash equivalents	287,653	122,269
Level 2 Inputs \| Carrying Amount
Financial assets:
Debt securities held-to-maturity	453,850	458,746
Accrued interest receivable	35,313	23,779
Financial liabilities:
Securities sold under agreements to repurchase	5,046	0
Accrued interest payable	8,394	3,813
Level 2 Inputs \| Estimated Fair Value
Financial assets:
Debt securities held-to-maturity	420,524	426,799
Accrued interest receivable	35,313	23,779
Financial liabilities:
Securities sold under agreements to repurchase	5,046	0
Accrued interest payable	8,394	3,813
Level 3 Inputs \| Carrying Amount
Financial assets:
Restricted stock	6,000	4,979
Loans, net	4,626,477	3,414,519
Investments in unconsolidated subsidiaries	1,614	1,614
Financial liabilities:
Time deposits	1,265,669	762,487
Federal Home Loan Bank advances	12,332	12,301
Level 3 Inputs \| Carrying Amount \| Subordinated notes
Financial liabilities:
Debt instruments	84,003	0
Level 3 Inputs \| Carrying Amount \| Junior subordinated debentures
Financial liabilities:
Debt instruments	52,924	52,909
Level 3 Inputs \| Estimated Fair Value
Financial assets:
Restricted stock	6,000	4,979
Loans, net	4,589,644	3,379,845
Investments in unconsolidated subsidiaries	1,614	1,614
Financial liabilities:
Time deposits	1,260,717	759,589
Federal Home Loan Bank advances	11,513	11,465
Level 3 Inputs \| Estimated Fair Value \| Subordinated notes
Financial liabilities:
Debt instruments	85,232	0
Level 3 Inputs \| Estimated Fair Value \| Junior subordinated debentures
Financial liabilities:
Debt instruments	$ 51,740	$ 51,696

SUBORDINATED NOTES

3 Months Ended

Mar. 31, 2026

Subordinated Borrowings [Abstract]

SUBORDINATED NOTES

On March 11, 2026, the Company issued $85.0 million of fixed-to-floating rate subordinated notes with a maturity date of March 15, 2036. The subordinated notes, which are unsecured obligations of the Company, bear a fixed interest rate of 5.75% from and including March 11, 2026 to, but excluding March 15, 2031, or earlier redemption date. From and including March 15, 2031 to, but excluding the maturity date or earlier redemption date, the subordinated notes bear interest at a floating rate equal to the then-current three-month SOFR plus 2.33%. Interest is payable semi-annually during the fixed rate period and quarterly during the subsequent floating rate period. The subordinated notes have an optional redemption in whole or in part on any interest payment date on or after March 15, 2031. The subordinated notes may be redeemed at a price equal to 100% of the principal amount redeemed, plus any accrued but unpaid interest to, but excluding, the redemption date. As of March 31, 2026, 100% of the subordinated notes qualified as Tier 2 capital.

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


(dollars in thousands)	March 31, 2026		December 31, 2025

Subordinated notes, at face value	$	85,000	$	—
Unamortized issuance costs	(997)		—
Subordinated notes, at carrying value	$	84,003	$	—

SEGMENT INFORMATION	3 Months Ended
SEGMENT INFORMATION	Mar. 31, 2026
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
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-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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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-42

Reference 7: http://www.xbrl.org/2003/role/exampleRef
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-URI https://asc.fasb.org/1943274/2147482785/280-10-55-48

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (f)
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 1
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482964/270-10-50-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Paragraph 32
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 11: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (d)
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 12: http://www.xbrl.org/2003/role/exampleRef
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-URI https://asc.fasb.org/1943274/2147482785/280-10-55-54

Reference 13: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
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-Paragraph 47
-Subparagraph (c)
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-URI https://asc.fasb.org/1943274/2147482785/280-10-55-47

Reference 14: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
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-Paragraph 54
-Subparagraph (a)
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Reference 15: http://www.xbrl.org/2003/role/exampleRef
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Reference 16: http://www.xbrl.org/2003/role/exampleRef
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Reference 17: http://www.xbrl.org/2003/role/exampleRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

FORECLOSED ASSETS

3 Months Ended

Mar. 31, 2026

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

FORCLOSED ASSETS

FORECLOSED ASSETS

Foreclosed assets activity was as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Beginning balance		$	1,126	$	367

Transfers from loans		275		239

Proceeds from sales		(292)		(159)

Net gain on sales		40		27
Direct write-downs		—		(14)
Ending balance		$	1,149	$	460

Gains (losses) on foreclosed assets included the following:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Direct write-downs		$	—	$	(14)
Net gain on sales		40		27
Gains on foreclosed assets		$	40	$	13

As of March 31, 2026 and December 31, 2025, the carrying value of foreclosed one-to-four family residential real estate properties held was $0.8 million and $0.9 million, respectively. As of March 31, 2026, there were 7 one-to-four family residential real estate loans in the process of foreclosure totaling $0.3 million. As of December 31, 2025, there were three one-to-four family residential real estate loans in the process of foreclosure totaling $0.2 million.

STOCK-BASED COMPENSATION PLANS (Tables)

3 Months Ended

Mar. 31, 2026

Share-Based Payment Arrangement [Abstract]

Schedule of Stock-Based Compensation Expense (Benefit)

The following is a summary of stock-based compensation expense (benefit):


	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Restricted stock units	$	317	$	273
Performance restricted stock units	160		146
Total awards classified as equity	477		419
Stock appreciation rights	43		(9)
Total stock-based compensation expense	$	520	$	410

Schedule of Restricted Stock Units

The following is a summary of restricted stock unit activity:











	Three Months Ended March 31,
	2026			2025
	Restricted Stock Units	Weighted Average Grant Date Fair Value		Restricted Stock Units	Weighted Average Grant Date Fair Value
Beginning balance	94,947	$	22.20	108,603	$	19.71
Granted	61,428	27.02		43,397	25.00
Vested	(52,225)	21.74		(56,922)	19.59
Forfeited	—	—		(131)	19.06
Ending balance	104,150	$	25.28	94,947	$	22.20

The following is a summary of performance restricted stock unit activity:












	Three Months Ended March 31,
	2026			2025
	Performance Restricted Stock Units	Weighted Average Grant Date Fair Value		Performance Restricted Stock Units	Weighted Average Grant Date Fair Value
Beginning balance	53,625	$	22.07	70,333	$	19.59
Granted	17,774	26.96		16,662	25.00
Adjustment for performance condition	8,517	22.72		11,864	18.66
Vested	(25,547)	22.72		(42,783)	18.66
Forfeited	—	—		(2,451)	16.27
Ending balance	54,369	$	23.46	53,625	$	22.07

Schedule of Stock Appreciation Rights

The following is a summary of stock appreciation rights activity:












	Three Months Ended March 31,
	2026			2025
	Stock Appreciation Rights	Weighted Average Grant Date Assigned Value		Stock Appreciation Rights	Weighted Average Grant Date Assigned Value
Beginning balance	67,320	$	16.32	73,440	$	16.32
Granted	—	—		—	—
Exercised	—	—		(6,120)	16.32
Expired	—	—		—	—
Forfeited	—	—		—	—
Ending balance	67,320	$	16.32	67,320	$	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.


	March 31, 2026		December 31, 2025
Risk-free interest rate	3.85	%	3.61	%
Expected volatility	29.88	%	29.60	%
Expected life (in years)	3.4		3.7
Expected dividend yield	3.44	%	3.25	%

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans and the Related Allowance for Credit Losses by Category (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Loan balances:
Collectively evaluated	$ 4,655,189	$ 3,430,888
Individually evaluated	31,762	25,321
Total	4,686,951	3,456,209
Allowance for credit losses:
Collectively evaluated	57,390	39,565
Individually evaluated	3,084	2,125
Total	60,474	41,690	$ 42,111	$ 42,044
Commercial and Industrial
Loan balances:
Collectively evaluated	526,325	398,573
Individually evaluated	1,976	1,187
Total	528,301	399,760
Allowance for credit losses:
Collectively evaluated	9,135	6,739
Individually evaluated	658	236
Total	9,793	6,975	6,086	5,357
Commercial Real Estate Owner Occupied
Loan balances:
Collectively evaluated	517,108	318,669
Individually evaluated	2,739	1,765
Total	519,847	320,434
Allowance for credit losses:
Collectively evaluated	7,482	3,764
Individually evaluated	924	619
Total	8,406	4,383	3,300	3,107
Commercial Real Estate Non-owner Occupied
Loan balances:
Collectively evaluated	1,095,556	932,972
Individually evaluated	4,228	4,122
Total	1,099,784	937,094
Allowance for credit losses:
Collectively evaluated	11,598	8,705
Individually evaluated	0	0
Total	11,598	8,705	11,193	11,707
Construction and Land Development
Loan balances:
Collectively evaluated	424,335	280,254
Individually evaluated	1,000	0
Total	425,335	280,254
Allowance for credit losses:
Collectively evaluated	6,501	3,899
Individually evaluated	6	0
Total	6,507	3,899	4,621	4,302
Multi-Family
Loan balances:
Collectively evaluated	638,591	544,941
Individually evaluated	62	0
Total	638,653	544,941
Allowance for credit losses:
Collectively evaluated	7,225	5,484
Individually evaluated	0	0
Total	7,225	5,484	4,118	4,331
One-to-four Family Residential
Loan balances:
Collectively evaluated	607,233	442,029
Individually evaluated	7,330	3,434
Total	614,563	445,463
Allowance for credit losses:
Collectively evaluated	5,519	3,525
Individually evaluated	126	10
Total	5,645	3,535	3,755	3,908
Agricultural and Farmland
Loan balances:
Collectively evaluated	595,366	274,086
Individually evaluated	928	1,165
Total	596,294	275,251
Allowance for credit losses:
Collectively evaluated	1,891	758
Individually evaluated	0	0
Total	1,891	758	1,316	1,170
Municipal, Consumer, and Other
Loan balances:
Collectively evaluated	250,675	239,364
Individually evaluated	13,499	13,648
Total	264,174	253,012
Allowance for credit losses:
Collectively evaluated	8,039	6,691
Individually evaluated	1,370	1,260
Total	$ 9,409	$ 7,951	$ 7,722	$ 8,162

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Beginning balance (in shares) at Dec. 31, 2024		31,559,366
Beginning 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	19,075			19,075
Other comprehensive income (loss)	8,319				8,319
Stock-based compensation	419		419
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)
Cash dividends and dividend equivalents	(6,670)			(6,670)
Ending balance (in shares) at Mar. 31, 2025		31,631,431
Ending balance at Mar. 31, 2025	$ 565,057	$ 329	297,024	329,169	(38,446)	(23,019)
Beginning balance (in shares) at Dec. 31, 2025	31,431,924	31,431,924
Beginning balance at Dec. 31, 2025	$ 615,498	$ 329	298,548	367,163	(23,018)	(27,524)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	11,200			11,200
Other comprehensive income (loss)	(4,353)				(4,353)
Stock-based compensation	477		477
Issuance of common stock upon vesting of restricted stock units, net of tax withholdings (in shares)		53,878
Issuance of common stock upon vesting of restricted stock units, net of tax withholdings	(644)	$ 1	(645)
Issuance of common stock in CNB acquisition (in shares)		5,498,131
Issuance of common stock in CNB acquisition	148,230	$ 55	148,175
Repurchase of common stock (in shares)		(602,855)
Repurchase of common stock	(15,733)					(15,733)
Cash dividends and dividend equivalents	$ (7,270)			(7,270)
Ending balance (in shares) at Mar. 31, 2026	36,381,078	36,381,078
Ending balance at Mar. 31, 2026	$ 747,405	$ 385	$ 446,555	$ 371,093	$ (27,371)	$ (43,257)

SECURITIES - Schedule of Unrealized Gains (Losses) on Equity Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Net unrealized gains (losses) on equity securities:
Readily determinable fair value	$ (112)	$ 8
No readily determinable fair value	0	0
Unrealized gains (losses) on equity securities	$ (112)	$ 8

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Schedule of Major Categories of Loans

Major categories of loans are summarized as follows:


(dollars in thousands)	March 31, 2026		December 31, 2025

Commercial and industrial	$	528,301	$	399,760
Commercial real estate - owner occupied	519,847		320,434
Commercial real estate - non-owner occupied	1,099,784		937,094
Construction and land development	425,335		280,254
Multi-family	638,653		544,941
One-to-four family residential	614,563		445,463
Agricultural and farmland	596,294		275,251
Municipal, consumer, and other	264,174		253,012
Loans, before allowance for credit losses	4,686,951		3,456,209
Allowance for credit losses	(60,474)		(41,690)
Loans, net of allowance for credit losses	$	4,626,477	$	3,414,519

Schedule of Activity in Allowance for Credit Losses

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


	Three Months Ended March 31, 2026
(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

Beginning balance	$	6,975	$	4,383	$	8,705	$	3,899	$	5,484	$	3,535	$	758	$	7,951	$	41,690
Allowance established in acquisition	3,415		3,775		3,103		3,475		2,117		2,202		991		879		19,957
Provision for credit losses	(136)		492		(225)		(867)		(379)		(117)		138		679		(415)
Charge-offs	(584)		(246)		—		(1)		—		(6)		—		(164)		(1,001)
Recoveries	123		2		15		1		3		31		4		64		243
Ending balance	$	9,793	$	8,406	$	11,598	$	6,507	$	7,225	$	5,645	$	1,891	$	9,409	$	60,474

	Three Months Ended March 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

Beginning balance	$	5,357	$	3,107	$	11,707	$	4,302	$	4,331	$	3,908	$	1,170	$	8,162	$	42,044

Provision for credit losses	1,055		192		(514)		324		(213)		(112)		108		(344)		496
Charge-offs	(385)		(1)		—		(6)		—		(85)		—		(188)		(665)
Recoveries	59		2		—		1		—		44		38		92		236
Ending balance	$	6,086	$	3,300	$	11,193	$	4,621	$	4,118	$	3,755	$	1,316	$	7,722	$	42,111

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


	March 31, 2026
(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	$	526,325	$	517,108	$	1,095,556	$	424,335	$	638,591	$	607,233	$	595,366	$	250,675	$	4,655,189
Individually evaluated	1,976		2,739		4,228		1,000		62		7,330		928		13,499		31,762
Total	$	528,301	$	519,847	$	1,099,784	$	425,335	$	638,653	$	614,563	$	596,294	$	264,174	$	4,686,951

Allowance for credit losses:
Collectively evaluated	$	9,135	$	7,482	$	11,598	$	6,501	$	7,225	$	5,519	$	1,891	$	8,039	$	57,390
Individually evaluated	658		924		—		6		—		126		—		1,370		3,084
Total	$	9,793	$	8,406	$	11,598	$	6,507	$	7,225	$	5,645	$	1,891	$	9,409	$	60,474

	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	$	398,573	$	318,669	$	932,972	$	280,254	$	544,941	$	442,029	$	274,086	$	239,364	$	3,430,888
Individually evaluated	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	$	6,739	$	3,764	$	8,705	$	3,899	$	5,484	$	3,525	$	758	$	6,691	$	39,565
Individually evaluated	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


	March 31, 2026
	Amortized Cost								Allowance for Credit Losses
	Primary Collateral Type
(dollars in thousands)	Real Estate		Vehicles		Other		Total

Commercial and industrial	$	—	$	416	$	1,560	$	1,976	$	658
Commercial real estate - owner occupied	2,562		—		177		2,739		924
Commercial real estate - non-owner occupied	4,177		—		51		4,228		—
Construction and land development	1,000		—		—		1,000		6
Multi-family	62		—		—		62		—
One-to-four family residential	7,330		—		—		7,330		126
Agricultural and farmland	55		—		873		928		—
Municipal, consumer, and other	9,652		8		3,839		13,499		1,370
Total	$	24,838	$	424	$	6,500	$	31,762	$	3,084

	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

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

Gross charge-offs, further sorted by origination year, were as follows during the three months ended March 31, 2026 and 2025.


	Gross Charge-Offs for the Three Months Ended March 31, 2026
	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
(dollars in thousands)	2026		2025		2024		2023		2022		Prior

Commercial and industrial	$	—	$	402	$	—	$	90	$	58	$	—	$	34	$	—	$	584
Commercial real estate - owner occupied	—		212		—		—		—		—		34		—		246
Commercial real estate - non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land development	—		—		—		—		—		1		—		—		1
Multi-family	—		—		—		—		—		—		—		—		—
One-to-four family residential	—		—		—		1		1		3		1		—		6
Agricultural and farmland	—		—		—		—		—		—		—		—		—
Municipal, consumer, and other	26		74		7		—		—		—		57		—		164
Total	$	26	$	688	$	7	$	91	$	59	$	4	$	126	$	—	$	1,001

	Gross Charge-Offs for the Three Months Ended March 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	$	—	$	—	$	319	$	—	$	46	$	—	$	20	$	—	$	385
Commercial real estate - owner occupied	—		—		—		—		1		—		—		—		1
Commercial real estate - non-owner occupied	—		—		—		—		—		—		—		—		—
Construction and land development	—		—		—		2		—		4		—		—		6
Multi-family	—		—		—		—		—		—		—		—		—
One-to-four family residential	—		—		—		1		—		81		3		—		85
Agricultural and farmland	—		—		—		—		—		—		—		—		—
Municipal, consumer, and other	67		60		1		—		—		—		60		—		188
Total	$	67	$	60	$	320	$	3	$	47	$	85	$	83	$	—	$	665

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:


	March 31, 2026
	Accruing Interest
(dollars in thousands)	Current		30 - 89 Days Past Due		90+ Days Past Due		Nonaccrual		Total Loans

Commercial and industrial	$	525,532	$	1,264	$	—	$	1,505	$	528,301
Commercial real estate - owner occupied	517,109		522		—		2,216		519,847
Commercial real estate - non-owner occupied	1,098,193		1,435		—		156		1,099,784
Construction and land development	424,236		99		—		1,000		425,335
Multi-family	638,478		113		—		62		638,653
One-to-four family residential	605,555		1,678		—		7,330		614,563
Agricultural and farmland	593,964		1,402		—		928		596,294
Municipal, consumer, and other	263,859		283		—		32		264,174
Total	$	4,666,926	$	6,796	$	—	$	13,229	$	4,686,951


	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

Schedule of Non-Accrual Loans

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


	March 31, 2026
(dollars in thousands)	Nonaccrual With Allowance for Credit Losses		Nonaccrual With No Allowance for Credit Losses		Total Nonaccrual

Commercial and industrial	$	836	$	669	$	1,505
Commercial real estate - owner occupied	740		1,476		2,216
Commercial real estate - non-owner occupied	—		156		156
Construction and land development	6		994		1,000
Multi-family	—		62		62
One-to-four family residential	704		6,626		7,330
Agricultural and farmland	—		928		928
Municipal, consumer, and other	19		13		32
Total	$	2,305	$	10,924	$	13,229

	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

Schedule of Loans by Category Risk Ratings

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


	March 31, 2026
(dollars in thousands)	Pass		Pass-Watch		Special Mention		Substandard		Total

Commercial and industrial	$	472,076	$	32,810	$	10,060	$	13,355	$	528,301
Commercial real estate - owner occupied	480,277		23,607		3,321		12,642		519,847
Commercial real estate - non-owner occupied	1,026,046		64,720		1,600		7,418		1,099,784
Construction and land development	419,964		3,350		702		1,319		425,335
Multi-family	589,997		47,283		—		1,373		638,653
One-to-four family residential	586,920		12,699		1,377		13,567		614,563
Agricultural and farmland	491,430		71,449		13,936		19,479		596,294
Municipal, consumer, and other	250,479		87		17		13,591		264,174
Total	$	4,317,189	$	256,005	$	31,013	$	82,744	$	4,686,951


	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

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 March 31, 2026:


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2026		2025		2024		2023		2022		Prior
Commercial and industrial
Pass	$	27,879	$	68,921	$	49,541	$	47,923	$	40,609	$	28,845	$	206,242	$	2,116	$	472,076
Pass-Watch	774		802		2,295		1,685		512		1,154		25,370		218		32,810
Special Mention	19		39		250		—		174		23		9,255		300		10,060
Substandard	40		1,318		596		1,073		1,545		1,206		6,652		925		13,355
Total	$	28,712	$	71,080	$	52,682	$	50,681	$	42,840	$	31,228	$	247,519	$	3,559	$	528,301

Commercial real estate - owner occupied
Pass	$	17,177	$	94,724	$	84,922	$	43,300	$	85,040	$	132,395	$	22,415	$	304	$	480,277
Pass-Watch	403		4,836		2,315		609		3,729		4,639		7,029		47		23,607
Special Mention	—		1,650		—		—		—		171		1,500		—		3,321
Substandard	1,565		1,319		712		145		3,515		3,105		2,250		31		12,642
Total	$	19,145	$	102,529	$	87,949	$	44,054	$	92,284	$	140,310	$	33,194	$	382	$	519,847

Commercial real estate - non-owner occupied
Pass	$	71,009	$	240,195	$	93,134	$	105,251	$	196,768	$	294,200	$	22,905	$	2,584	$	1,026,046
Pass-Watch	5,057		11,567		6,670		2,442		13,975		24,526		483		—		64,720
Special Mention	—		—		—		—		—		1,600		—		—		1,600
Substandard	4,073		—		407		206		64		2,668		—		—		7,418
Total	$	80,139	$	251,762	$	100,211	$	107,899	$	210,807	$	322,994	$	23,388	$	2,584	$	1,099,784

Construction and land development
Pass	$	68,699	$	238,685	$	72,922	$	24,698	$	2,587	$	6,043	$	4,544	$	1,786	$	419,964
Pass-Watch	2,391		684		243		—		17		15		—		—		3,350
Special Mention	—		333		—		—		—		—		—		369		702
Substandard	—		999		—		271		—		49		—		—		1,319
Total	$	71,090	$	240,701	$	73,165	$	24,969	$	2,604	$	6,107	$	4,544	$	2,155	$	425,335

Multi-family
Pass	$	13,489	$	209,695	$	55,194	$	81,175	$	84,232	$	143,085	$	2,113	$	1,014	$	589,997
Pass-Watch	4,802		—		—		11,984		29,259		1,238		—		—		47,283
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		62		—		1,027		—		284		—		—		1,373
Total	$	18,291	$	209,757	$	55,194	$	94,186	$	113,491	$	144,607	$	2,113	$	1,014	$	638,653

One-to-four family residential
Pass	$	60,627	$	98,675	$	43,594	$	59,278	$	94,740	$	146,539	$	77,982	$	5,485	$	586,920
Pass-Watch	2,796		2,363		192		832		1,259		4,589		392		276		12,699
Special Mention	106		—		—		311		901		—		59		—		1,377
Substandard	50		2,841		325		1,920		574		6,807		597		453		13,567
Total	$	63,579	$	103,879	$	44,111	$	62,341	$	97,474	$	157,935	$	79,030	$	6,214	$	614,563

Agricultural and farmland
Pass	$	28,074	$	90,957	$	59,338	$	41,588	$	31,195	$	87,365	$	138,152	$	14,761	$	491,430
Pass-Watch	840		13,453		3,067		5,809		2,950		26,135		19,124		71		71,449
Special Mention	61		3,278		605		1,802		826		3,033		3,186		1,145		13,936
Substandard	122		2,316		782		1,449		2,455		5,814		6,538		3		19,479
Total	$	29,097	$	110,004	$	63,792	$	50,648	$	37,426	$	122,347	$	167,000	$	15,980	$	596,294


(dollars in thousands)	Term Loans by Origination Year												Revolving Loans		Revolving Loans Converted to Term		Total
	2026		2025		2024		2023		2022		Prior
Municipal, consumer, and other
Pass	$	31,925	$	53,852	$	30,154	$	19,515	$	15,394	$	57,460	$	42,159	$	20	$	250,479
Pass-Watch	—		35		—		—		6		33		13		—		87
Special Mention	—		3		—		—		14		—		—		—		17
Substandard	2		23		26		33		5		13,498		4		—		13,591
Total	$	31,927	$	53,913	$	30,180	$	19,548	$	15,419	$	70,991	$	42,176	$	20	$	264,174

Total by risk rating
Pass	$	318,879	$	1,095,704	$	488,799	$	422,728	$	550,565	$	895,932	$	516,512	$	28,070	$	4,317,189
Pass-Watch	17,063		33,740		14,782		23,361		51,707		62,329		52,411		612		256,005
Special Mention	186		5,303		855		2,113		1,915		4,827		14,000		1,814		31,013
Substandard	5,852		8,878		2,848		6,124		8,158		33,431		16,041		1,412		82,744
Total	$	341,980	$	1,143,625	$	507,284	$	454,326	$	612,345	$	996,519	$	598,964	$	31,908	$	4,686,951

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

SEGMENT INFORMATION (Details)	3 Months Ended
SEGMENT INFORMATION (Details)	Mar. 31, 2026 segment
Segment Reporting [Abstract]
Number of operating segments	1
Number of reportable segments	1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 11,200	$ 19,075
OTHER COMPREHENSIVE INCOME (LOSS)
Unrealized gains (losses) on debt securities available-for-sale	(6,495)	11,085
Reclassification adjustment for amortization of net unrealized losses on debt securities transferred to held-to-maturity	449	504
Unrealized gains on derivative instruments	0	1
Reclassification adjustment for net settlements on derivative instruments	0	(36)
Total other comprehensive income (loss), before tax	(6,046)	11,554
Income tax expense (benefit)	(1,693)	3,235
Total other comprehensive income (loss)	(4,353)	8,319
TOTAL COMPREHENSIVE INCOME	$ 6,847	$ 27,394

LOAN SERVICING

3 Months Ended

Mar. 31, 2026

Transfers and Servicing [Abstract]

LOAN SERVICING

Mortgage loans serviced for others, which are not included in the accompanying consolidated balance sheets, amounted to $1.66 billion and $1.42 billion as of March 31, 2026 and December 31, 2025, respectively. Activity in mortgage servicing rights was as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Beginning balance		$	16,944	$	18,827
Acquired		2,949		—
Capitalized servicing rights		199		95
Fair value adjustments attributable to payments and principal reductions		(541)		(453)
Fair value adjustments attributable to changes in valuation inputs and assumptions		539		50
Ending balance		$	20,090	$	18,519

- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480591/815-20-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-04(11))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(7)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

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-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
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-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

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-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
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-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

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-Topic 860
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-URI https://asc.fasb.org/860/tableOfContent

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 20
-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 20
-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (c)(3)
-Publisher FASB
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147481420/860-30-50-7

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-Topic 860
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-Name Accounting Standards Codification
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-Paragraph 2
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Name Accounting Standards Codification
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-Paragraph 2
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-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

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-Topic 860
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

+ Details

ACCOUNTING POLICIES	3 Months Ended
ACCOUNTING POLICIES	Mar. 31, 2026
Accounting Policies [Abstract]
ACCOUNTING POLICIES	ACCOUNTING POLICIES Basis of Presentation 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, eastern Iowa, and suburban St. Louis. Additionally, the Company is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies. The unaudited consolidated financial statements, including the notes thereto, have been prepared in accordance with accounting principles generally accepted in the U.S. (“GAAP”) interim reporting requirements. Certain information in footnote disclosures normally included in financial statements prepared in accordance with GAAP has been condensed or omitted pursuant to rules and regulations of the SEC. These interim unaudited consolidated financial statements and notes thereto should be read in conjunction with the Company’s audited consolidated financial statements and accompanying notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on March 6, 2026. The unaudited consolidated financial statements include all normal, recurring adjustments necessary for a fair presentation of the results for the interim periods. The results for interim periods are not necessarily indicative of results for a full year. Use of Estimates The accompanying consolidated financial statements have been prepared in conformity with GAAP. 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 and fair value of assets acquired and liabilities assumed in business combinations. 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 financial statements were issued. Impact of Recently Adopted Accounting Standards On January 1, 2026, the Company adopted Accounting Standards Update ("ASU") 2025-08, Financial Instruments - Credit Losses (Topic 326): Purchased Loans, which 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. This standard is applied on a prospective basis and eliminates the day 1 provision for credit losses which prior to adoption of ASU 2025-08 would have been recognized on eligible purchased loans, including the non-PCD loans acquired from CNB Bank Shares, Inc. ("CNB"). 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 2025-09, 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.

BUSINESS COMBINATIONS (Tables)

3 Months Ended

Mar. 31, 2026

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 three months ended March 31, 2026 and 2025 are summarized below.


	Three Months Ended
(dollars in thousands)		March 31, 2026		March 31, 2025

Salaries		$	4,003	$	—

Occupancy of bank premises		105		—
Furniture and equipment		63		—
Data processing		8,668		—
Marketing and customer relations		69		—


Loan collection and servicing		320		—

Professional fees and other noninterest expense		2,438		—

Total acquisition-related expenses		$	15,666	$	—

Schedule of Assets Acquired and Liabilities Assumed

The fair value of the assets acquired and liabilities assumed from CNB on the acquisition date of March 1, 2026 were as follows (dollars in thousands):


	Fair Value
Assets acquired:
Cash and cash equivalents	$	48,873
Interest-bearing time deposits with banks	245
Debt securities	364,930
Equity securities	3,868
Restricted stock	5,251
Loans held for sale	287

Loans, before allowance for credit losses	1,296,340
Allowance for credit losses	(19,957)
Loans, net of allowance for credit losses	1,276,383

Bank owned life insurance	12,829
Bank premises and equipment	16,126

Intangible assets	30,083
Intangible assets held for sale	649
Mortgage servicing rights	2,949

Accrued interest receivable	13,795
Other assets	13,995
Total assets acquired	1,790,263

Liabilities assumed:
Deposits	1,516,838
Repurchase Agreements	18,354
FHLB advances	71,839

Other liabilities	24,849
Total liabilities assumed	1,631,880
Net assets acquired	$	158,383

Consideration paid:
Cash	$	33,837
Common stock	148,230
Total consideration paid	$	182,067

Goodwill	$	23,684

Schedule of PCD Loans at Acquisition

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


Unpaid principal balance	$	163,879
Allowance for credit losses at acquisition	(2,509)
Non-credit discount	(10,121)
Purchase price	$	151,249

Schedule of Acquisition Related Expenses

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


		Pro Forma
	Three Months Ended
(dollars in thousands, except per share data)			March 31, 2026		March 31, 2025
Total revenues (net interest income and noninterest income)			$	81,045	$	77,942
Net income			22,228		11,757
Earnings per share - basic			0.60		0.32
Earnings per share - diluted			0.60		0.32

BUSINESS COMBINATIONS - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	Mar. 01, 2026	Feb. 27, 2026	Mar. 31, 2026	Dec. 31, 2025
Business Combination [Line Items]
Goodwill			$ 83,504	$ 59,820
CNB Bank Shares, Inc.
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	$ 33,837
Share price (in dollars per share)		$ 26.96
Total consideration paid	182,067	$ 182,100
Goodwill	23,684		$ 23,700
Unpaid principal balance	$ 163,879
CNB Bank Shares, Inc. \| Core Deposit Intangible
Business Combination [Line Items]
Finite-lived intangible asset, useful life (in years)	10 years
CNB Bank Shares, Inc. \| Customer Relationship Intangible
Business Combination [Line Items]
Finite-lived intangible asset, useful life (in years)	10 years

DEPOSITS

3 Months Ended

Mar. 31, 2026

Deposits [Abstract]

DEPOSITS

The Company’s deposits are summarized below:


(dollars in thousands)	March 31, 2026		December 31, 2025

Noninterest-bearing deposits	$	1,342,192	$	1,049,043
Interest-bearing deposits:
Interest-bearing demand	1,365,216		1,144,416
Money market	929,671		839,097
Savings	900,700		564,220
Time	1,265,669		762,487

Total interest-bearing deposits	4,461,256		3,310,220
Total deposits	$	5,803,448	$	4,359,263

Reciprocal deposits included in interest-bearing demand deposits, money market deposits, and time deposits totaled $233.7 million and $289.9 million as of March 31, 2026 and December 31, 2025, respectively. There were no brokered deposits as of March 31, 2026 and December 31, 2025.

The aggregate amounts of time deposits in denominations of $250 thousand or more amounted to $378.4 million and $201.4 million as of March 31, 2026 and December 31, 2025, respectively. The aggregate amounts of time deposits in denominations of $100 thousand or more amounted to $790.3 million and $445.7 million as of March 31, 2026 and December 31, 2025, respectively.

The components of interest expense on deposits were as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Interest-bearing demand		$	1,931	$	1,453
Money market		4,448		4,397
Savings		704		370
Time		7,026		6,719

Total interest expense on deposits		$	14,109	$	12,939

DERIVATIVE FINANCIAL INSTRUMENTS

3 Months Ended

Mar. 31, 2026

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.

As of March 31, 2026 and December 31, 2025, there were no interest rate swap agreements designated as a cash flow hedge.

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)
	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Designated as cash flow hedges:
Junior subordinated debentures interest expense	$	—	$	36

In April 2026, the Company entered into an $85.0 million receive 3.51% fixed, pay 1-month term SOFR interest rate swap designated as a cash flow hedge. The interest rate swap matures in 2031.

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:


	March 31, 2026				December 31, 2025
(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	$	2,528	$	45	$	6,344	$	75
Interest rate swaps with a financial institution counterparty	73,533		2,987		73,011		2,915
Total fair value recorded in other assets	$	76,061	$	3,032	$	79,355	$	2,990

Fair value recorded in other liabilities:
Interest rate swaps with a commercial borrower counterparty	$	73,533	$	(2,987)	$	73,011	$	(2,915)
Interest rate swaps with a financial institution counterparty	2,528		(45)		6,344		(75)
Total fair value recorded in other liabilities	$	76,061	$	(3,032)	$	79,355	$	(2,990)

As of March 31, 2026, 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:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Not designated as hedging instruments:
Gross gains	$	478	$	1,649
Gross losses	(478)		(1,649)
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)	March 31, 2026		December 31, 2025

Risk participation agreements sold
Number of risk participation agreements	1		1
Notional amount	$	5,255	$	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

FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	$ 1,025,992	$ 813,101
Equity securities with readily determinable fair values	3,355	3,322
Mortgage servicing rights	20,090	16,944	$ 18,519	$ 18,827
U.S. Treasury
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	75,548	85,544
U.S. government agency
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	109,111	41,422
Municipal
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	194,193	140,270
Agency residential
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	445,829	360,795
Agency commercial
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	135,978	119,937
Corporate
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	65,333	65,133
Fair Value, Recurring
FAIR VALUE OF FINANCIAL INSTRUMENTS
Equity securities with readily determinable fair values	3,355	3,322
Mortgage servicing rights	20,090	16,944
Derivative financial assets	$ 3,032	$ 2,990
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative financial liabilities	$ 3,042	$ 3,000
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	$ 75,548	$ 85,544
Fair Value, Recurring \| U.S. government agency
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	109,111	41,422
Fair Value, Recurring \| Municipal
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	194,193	140,270
Fair Value, Recurring \| Agency residential
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	445,829	360,795
Fair Value, Recurring \| Agency commercial
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	135,978	119,937
Fair Value, Recurring \| Corporate
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	65,333	65,133
Fair Value, Recurring \| Level 1 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Equity securities with readily determinable fair values	3,355	3,322
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	3,032	2,990
Derivative financial liabilities	3,042	3,000
Fair Value, Recurring \| Level 2 Inputs \| U.S. Treasury
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	75,548	85,544
Fair Value, Recurring \| Level 2 Inputs \| U.S. government agency
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	109,111	41,422
Fair Value, Recurring \| Level 2 Inputs \| Municipal
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	194,193	140,270
Fair Value, Recurring \| Level 2 Inputs \| Agency residential
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	445,829	360,795
Fair Value, Recurring \| Level 2 Inputs \| Agency commercial
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	135,978	119,937
Fair Value, Recurring \| Level 2 Inputs \| Corporate
FAIR VALUE OF FINANCIAL INSTRUMENTS
Debt securities available-for-sale	65,333	65,133
Fair Value, Recurring \| Level 3 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Equity securities with readily determinable fair values	0	0
Mortgage servicing rights	20,090	16,944
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 by Category Risk Ratings (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 4,686,951	$ 3,456,209
Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	4,317,189	3,241,912
Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	256,005	131,766
Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	31,013	11,788
Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	82,744	70,743
Commercial and industrial
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	528,301	399,760
Commercial and industrial \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	472,076	369,941
Commercial and industrial \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	32,810	18,960
Commercial and industrial \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	10,060	2,591
Commercial and industrial \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	13,355	8,268
Commercial real estate - owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	519,847	320,434
Commercial real estate - owner occupied \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	480,277	291,831
Commercial real estate - owner occupied \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	23,607	17,681
Commercial real estate - owner occupied \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	3,321	3,774
Commercial real estate - owner occupied \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	12,642	7,148
Commercial real estate - non-owner occupied
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,099,784	937,094
Commercial real estate - non-owner occupied \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,026,046	889,380
Commercial real estate - non-owner occupied \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	64,720	33,391
Commercial real estate - non-owner occupied \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,600	308
Commercial real estate - non-owner occupied \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	7,418	14,015
Construction and land development
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	425,335	280,254
Construction and land development \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	419,964	269,932
Construction and land development \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	3,350	540
Construction and land development \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	702	975
Construction and land development \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,319	8,807
Multi-family
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	638,653	544,941
Multi-family \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	589,997	503,133
Multi-family \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	47,283	41,808
Multi-family \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Multi-family \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,373	0
One-to-four family residential
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	614,563	445,463
One-to-four family residential \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	586,920	431,553
One-to-four family residential \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	12,699	5,741
One-to-four family residential \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,377	1,646
One-to-four family residential \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	13,567	6,523
Agricultural and farmland
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	596,294	275,251
Agricultural and farmland \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	491,430	246,820
Agricultural and farmland \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	71,449	13,625
Agricultural and farmland \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	13,936	2,494
Agricultural and farmland \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	19,479	12,312
Municipal, consumer, and other
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	264,174	253,012
Municipal, consumer, and other \| Pass
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	250,479	239,322
Municipal, consumer, and other \| Pass-Watch
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	87	20
Municipal, consumer, and other \| Special Mention
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	17	0
Municipal, consumer, and other \| Substandard
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 13,591	$ 13,670

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

3 Months Ended

Mar. 31, 2026

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
(dollars in thousands)	Available-for-Sale		Held-to-Maturity		Derivatives		Total

Three Months Ended March 31, 2026
Balance, December 31, 2025	$	(17,320)	$	(5,698)	$	—	$	(23,018)
Other comprehensive loss before reclassifications	(6,495)		—		—		(6,495)
Reclassifications	—		449		—		449
Other comprehensive income (loss), before tax	(6,495)		449		—		(6,046)
Income tax expense (benefit)	(1,819)		126		—		(1,693)
Other comprehensive income (loss), after tax	(4,676)		323		—		(4,353)
Balance, March 31, 2026	$	(21,996)	$	(5,375)	$	—	$	(27,371)

Three Months Ended March 31, 2025
Balance, December 31, 2024	$	(39,408)	$	(7,119)	$	(238)	$	(46,765)

Other comprehensive income before reclassifications	11,085		—		1		11,086
Reclassifications	—		504		(36)		468
Other comprehensive income (loss), before tax	11,085		504		(35)		11,554
Income tax expense (benefit)	3,104		141		(10)		3,235
Other comprehensive income (loss), after tax	7,981		363		(25)		8,319
Balance, March 31, 2025	$	(31,427)	$	(6,756)	$	(263)	$	(38,446)

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 9 for additional information.

SECURITIES - Narrative (Details)	3 Months Ended	12 Months Ended
SECURITIES - Narrative (Details)	Mar. 31, 2026 USD ($) security	Dec. 31, 2025 USD ($)
SECURITIES
Number of securities in an unrealized loss position for a period of twelve months or more \| security	508
Number of securities in an unrealized loss position for a period of less than twelve months \| security	194
Debt securities, available-for-sale, accrued interest	$ 6,700,000	$ 5,500,000
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	74.00%
Assets Pledged
SECURITIES
Carrying value of securities pledged to secure public and trust deposits	$ 515,900,000	$ 412,800,000

FORECLOSED ASSETS - Schedule of Gains (Losses) on Foreclosed Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]
Direct write-downs	$ 0	$ (14)
Net gain on sales	40	27
Gains on foreclosed assets	$ 40	$ 13

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Modifications (Details) - loan	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Receivables [Abstract]
Modifications to borrowers in financial difficulty	0	0

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Schedule of Activity in Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 41,690	$ 42,044
Allowance established in acquisition	19,957
Provision for credit losses	(415)	496
Charge-offs	(1,001)	(665)
Recoveries	243	236
Ending balance	60,474	42,111
Commercial and Industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	6,975	5,357
Allowance established in acquisition	3,415
Provision for credit losses	(136)	1,055
Charge-offs	(584)	(385)
Recoveries	123	59
Ending balance	9,793	6,086
Commercial Real Estate Owner Occupied
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	4,383	3,107
Allowance established in acquisition	3,775
Provision for credit losses	492	192
Charge-offs	(246)	(1)
Recoveries	2	2
Ending balance	8,406	3,300
Commercial Real Estate Non-owner Occupied
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	8,705	11,707
Allowance established in acquisition	3,103
Provision for credit losses	(225)	(514)
Charge-offs	0	0
Recoveries	15	0
Ending balance	11,598	11,193
Construction and Land Development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	3,899	4,302
Allowance established in acquisition	3,475
Provision for credit losses	(867)	324
Charge-offs	(1)	(6)
Recoveries	1	1
Ending balance	6,507	4,621
Multi-Family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	5,484	4,331
Allowance established in acquisition	2,117
Provision for credit losses	(379)	(213)
Charge-offs	0	0
Recoveries	3	0
Ending balance	7,225	4,118
One-to-four Family Residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	3,535	3,908
Allowance established in acquisition	2,202
Provision for credit losses	(117)	(112)
Charge-offs	(6)	(85)
Recoveries	31	44
Ending balance	5,645	3,755
Agricultural and Farmland
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	758	1,170
Allowance established in acquisition	991
Provision for credit losses	138	108
Charge-offs	0	0
Recoveries	4	38
Ending balance	1,891	1,316
Municipal, Consumer, and Other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	7,951	8,162
Allowance established in acquisition	879
Provision for credit losses	679	(344)
Charge-offs	(164)	(188)
Recoveries	64	92
Ending balance	$ 9,409	$ 7,722

EARNINGS PER SHARE

3 Months Ended

Mar. 31, 2026

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:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Numerator:
Net income	$	11,200	$	19,075



Denominator:
Weighted average common shares outstanding	33,180,009		31,584,989
Dilutive effect of outstanding restricted stock units	120,087		126,682
Weighted average common shares outstanding, including all dilutive potential shares	33,300,096		31,711,671

Earnings per share - basic	$	0.34	$	0.60
Earnings per share - diluted	$	0.34	$	0.60

DERIVATIVE FINANCIAL INSTRUMENTS - Narrative (Details) - Subsequent Event $ in Millions	Apr. 30, 2026 USD ($)
Subsequent Event [Line Items]
Amount of hedged item	$ 85.0
Derivative, fixed interest rate	3.51%

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and due from banks	$ 37,371	$ 24,423
Interest-bearing deposits with banks	250,282	97,846
Cash and cash equivalents	287,653	122,269
Interest-bearing time deposits with banks	245	0
Debt securities available-for-sale, at fair value	1,025,992	813,101
Debt securities held-to-maturity (fair value of $420,524 at 2026 and $426,799 at 2025)	453,850	458,746
Equity securities with readily determinable fair value	3,355	3,322
Equity securities with no readily determinable fair value	6,395	2,612
Restricted stock, at cost	6,000	4,979
Loans held for sale	3,247	1,263
Loans, before allowance for credit losses	4,686,951	3,456,209
Allowance for credit losses	(60,474)	(41,690)
Loans, net of allowance for credit losses	4,626,477	3,414,519
Bank owned life insurance	37,677	24,660
Bank premises and equipment, net	90,973	73,642
Bank premises held for sale	337	0
Foreclosed assets	1,149	1,126
Goodwill	83,504	59,820
Intangible assets, net	44,313	15,117
Intangible assets held for sale	649	0
Mortgage servicing rights, at fair value	20,090	16,944
Investments in unconsolidated subsidiaries	1,614	1,614
Accrued interest receivable	35,313	23,779
Other assets	44,891	33,877
Total assets	6,773,724	5,071,390
Deposits:
Noninterest-bearing	1,342,192	1,049,043
Interest-bearing	4,461,256	3,310,220
Total deposits	5,803,448	4,359,263
Securities sold under agreements to repurchase	5,046	0
Federal Home Loan Bank advances	12,332	12,301
Subordinated notes	84,003	0
Junior subordinated debentures issued to capital trusts	52,924	52,909
Other liabilities	68,566	31,419
Total liabilities	6,026,319	4,455,892
COMMITMENTS AND CONTINGENCIES (Note 16)
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 38,451,113 at 2026 and 32,899,104 at 2025; shares outstanding of 36,381,078 at 2026 and 31,431,924 at 2025	385	329
Surplus	446,555	298,548
Retained earnings	371,093	367,163
Accumulated other comprehensive income (loss)	(27,371)	(23,018)
Treasury stock at cost, 2,070,035 shares at 2026 and 1,467,180 at 2025	(43,257)	(27,524)
Total stockholders’ equity	747,405	615,498
Total liabilities and stockholders’ equity	$ 6,773,724	$ 5,071,390

BUSINESS COMBINATIONS - Schedule of Acquisition Related Expenses (Details) - CNB Bank Shares, Inc. - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Business Combination [Line Items]
Total revenues (net interest income and noninterest income)	$ 81,045	$ 77,942
Net income	$ 22,228	$ 11,757
Earnings per share - basic (in dollars per share)	$ 0.60	$ 0.32
Earnings per share - diluted (in dollars per share)	$ 0.60	$ 0.32

- 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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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479328/805-10-50-2

Reference 42: http://www.xbrl.org/2003/role/disclosureRef
-Topic 805
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479328/805-10-50-2

+ Details

STOCK-BASED COMPENSATION PLANS - Schedule of Stock Appreciation Rights (Details) - Stock appreciation rights - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Stock-based compensation plans
Outstanding (in shares)	67,320	73,440
Granted (in shares)	0	0
Exercised (in shares)	0	(6,120)
Expired (in shares)	0	0
Forfeited (in shares)	0	0
Outstanding (in shares)	67,320	67,320
Weighted Average Grant Date Fair Value
Outstanding (in dollars per share)	$ 16.32	$ 16.32
Granted (in dollars per share)	0	0
Exercised (in dollars per share)	0	16.32
Expired (in dollars per share)	0	0
Forfeited (in dollars per share)	0	0
Outstanding (in dollars per share)	$ 16.32	$ 16.32

SECURITIES - Schedule of Sale of Debt Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 313,077	$ 0
Gross realized gains	0	0
Gross realized losses	$ 0	$ 0

Cover - shares	3 Months Ended
Cover - shares	Mar. 31, 2026	Apr. 29, 2026
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2026
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 Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		36,381,078
Entity Central Index Key	0000775215
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q1
Amendment Flag	false

COMMITMENTS AND CONTINGENCIES - Schedule of Provision for Credit Losses on Unfunded Lending-Related Commitments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Commitments and Contingencies Disclosure [Abstract]
Provision for credit losses on unfunded lending-related commitments	$ 259	$ 825

REGULATORY CAPITAL (Tables)

3 Months Ended

Mar. 31, 2026

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:


	March 31, 2026
	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)	$	848,235	15.99	%	$	424,463	8.00	%	N/A		N/A
Tier 1 Capital (to Risk Weighted Assets)	710,026		13.38		318,347		6.00		N/A		N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)	658,716		12.42		238,760		4.50		N/A		N/A
Tier 1 Capital (to Average Assets)	710,026		12.63		224,898		4.00		N/A		N/A

Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)	$	819,747	15.46	%	$	424,096	8.00	%	$	530,120	10.00	%
Tier 1 Capital (to Risk Weighted Assets)	765,541		14.44		318,072		6.00		424,096		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)	765,541		14.44		238,554		4.50		344,578		6.50
Tier 1 Capital (to Average Assets)	765,541		13.63		224,710		4.00		280,887		5.00


	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

DEPOSITS - Narrative (Details) - USD ($)	Mar. 31, 2026	Dec. 31, 2025
Deposits [Abstract]
Reciprocal transaction deposits, interest bearing demand deposits	$ 233,700,000	$ 289,900,000
Time deposits, brokered	0	0
Time deposits, at or above FDIC insurance limit	378,400,000	201,400,000
Time deposits in denominations of $100,000 or more	$ 790,300,000	$ 445,700,000

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)

3 Months Ended

Mar. 31, 2026

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 March 31, 2026 and December 31, 2025 by level within the fair value hierarchy:


	March 31, 2026
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Debt securities available-for-sale:
U.S. Treasury	$	—	$	75,548	$	—	$	75,548
U.S. government agency	—		109,111		—		109,111
Municipal	—		194,193		—		194,193
Mortgage-backed:
Agency residential	—		445,829		—		445,829
Agency commercial	—		135,978		—		135,978
Corporate	—		65,333		—		65,333
Equity securities with readily determinable fair values	3,355		—		—		3,355
Mortgage servicing rights	—		—		20,090		20,090
Derivative financial assets	—		3,032		—		3,032
Derivative financial liabilities	—		3,042		—		3,042


	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

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):

March 31, 2026

Fair Value

Valuation Technique

Unobservable Inputs

Range
(Weighted Average)

Mortgage servicing rights

20,090

Discounted cash flows

Constant pre-payment rates (CPR)

4.8% to 94.3% (7.9%)

Discount rate

9.0% to 12.6% (9.6%)

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%)

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 March 31, 2026 and December 31, 2025 by level within the fair value hierarchy:


	March 31, 2026
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Loans held for sale	$	—	$	3,247	$	—	$	3,247
Collateral-dependent loans	—		—		28,678		28,678
Bank premises held for sale	—		—		337		337
Foreclosed assets	—		—		1,149		1,149


	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

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):

March 31, 2026

Fair Value

Valuation
Technique

Unobservable Inputs

Range
(Weighted Average)

Collateral-dependent loans

28,678

Appraisal of collateral

Appraisal adjustments

Not meaningful

Bank premises held for sale

337

Appraisal

Appraisal adjustments

7% (7%)

Foreclosed assets

1,149

Appraisal

Appraisal adjustments

7% (7%)

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%)

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	March 31, 2026				December 31, 2025
		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value

Financial assets:
Cash and cash equivalents	Level 1	$	287,653	$	287,653	$	122,269	$	122,269
Debt securities held-to-maturity	Level 2	453,850		420,524		458,746		426,799
Restricted stock	Level 3	6,000		6,000		4,979		4,979
Loans, net	Level 3	4,626,477		4,589,644		3,414,519		3,379,845
Investments in unconsolidated subsidiaries	Level 3	1,614		1,614		1,614		1,614
Accrued interest receivable	Level 2	35,313		35,313		23,779		23,779

Financial liabilities:
Time deposits	Level 3	1,265,669		1,260,717		762,487		759,589

Securities sold under agreements to repurchase	Level 2	5,046		5,046		—		—
FHLB advances	Level 3	12,332		11,513		12,301		11,465
Subordinated notes	Level 3	84,003		85,232		—		—
Junior subordinated debentures	Level 3	52,924		51,740		52,909		51,696
Accrued interest payable	Level 2	8,394		8,394		3,813		3,813

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Schedule of Gross Charge-Offs, Further Sorted by Origination Year (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Gross Charge-Offs
Year one	$ 26	$ 67
Year two	688	60
Year three	7	320
Year four	91	3
Year five	59	47
Prior	4	85
Revolving Loans	126	83
Revolving Loans Converted to Term	0	0
Total	1,001	665
Commercial and industrial
Gross Charge-Offs
Year one	0	0
Year two	402	0
Year three	0	319
Year four	90	0
Year five	58	46
Prior	0	0
Revolving Loans	34	20
Revolving Loans Converted to Term	0	0
Total	584	385
Commercial real estate - owner occupied
Gross Charge-Offs
Year one	0	0
Year two	212	0
Year three	0	0
Year four	0	0
Year five	0	1
Prior	0	0
Revolving Loans	34	0
Revolving Loans Converted to Term	0	0
Total	246	1
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
Construction and land development
Gross Charge-Offs
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	2
Year five	0	0
Prior	1	4
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	1	6
Multi-family
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
One-to-four family residential
Gross Charge-Offs
Year one	0	0
Year two	0	0
Year three	0	0
Year four	1	1
Year five	1	0
Prior	3	81
Revolving Loans	1	3
Revolving Loans Converted to Term	0	0
Total	6	85
Agricultural and farmland
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
Municipal, consumer, and other
Gross Charge-Offs
Year one	26	67
Year two	74	60
Year three	7	1
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans	57	60
Revolving Loans Converted to Term	0	0
Total	$ 164	$ 188

SECURITIES (Tables)

3 Months Ended

Mar. 31, 2026

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:


	March 31, 2026
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	79,825	$	—	$	(4,277)	$	—	$	75,548
U.S. government agency	110,402		187		(1,478)		—		109,111
Municipal	208,692		119		(14,618)		—		194,193
Mortgage-backed:
Agency residential	453,858		1,959		(9,988)		—		445,829
Agency commercial	142,810		95		(6,927)		—		135,978

Corporate	65,666		828		(1,161)		—		65,333
Total available-for-sale	$	1,061,253	$	3,188	$	(38,449)	$	—	$	1,025,992

	March 31, 2026
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,501	$	—	$	(5,292)	$	83,209	$	—
Municipal	28,205		186		(90)		28,301		—
Mortgage-backed:
Agency residential	73,534		6		(3,018)		70,522		—
Agency commercial	263,610		16		(25,134)		238,492		—
Total held-to-maturity	$	453,850	$	208	$	(33,534)	$	420,524	$	—


	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	$	—

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 March 31, 2026 and December 31, 2025, aggregated by category and length of time that individual debt securities have been in a continuous unrealized loss position:


	March 31, 2026
	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	$	—	$	—	$	(4,277)	$	75,548	$	(4,277)	$	75,548
U.S. government agency	(394)		48,259		(1,084)		29,252		(1,478)		77,511
Municipal	(2,072)		56,417		(12,546)		122,850		(14,618)		179,267
Mortgage-backed:
Agency residential	(2,688)		194,821		(7,300)		100,089		(9,988)		294,910
Agency commercial	(146)		26,285		(6,781)		90,814		(6,927)		117,099
Corporate	(31)		7,454		(1,130)		20,191		(1,161)		27,645
Total available-for-sale	$	(5,331)	$	333,236	$	(33,118)	$	438,744	$	(38,449)	$	771,980


	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

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:


	March 31, 2026
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	79,825	$	—	$	(4,277)	$	—	$	75,548
U.S. government agency	110,402		187		(1,478)		—		109,111
Municipal	208,692		119		(14,618)		—		194,193
Mortgage-backed:
Agency residential	453,858		1,959		(9,988)		—		445,829
Agency commercial	142,810		95		(6,927)		—		135,978

Corporate	65,666		828		(1,161)		—		65,333
Total available-for-sale	$	1,061,253	$	3,188	$	(38,449)	$	—	$	1,025,992

	March 31, 2026
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,501	$	—	$	(5,292)	$	83,209	$	—
Municipal	28,205		186		(90)		28,301		—
Mortgage-backed:
Agency residential	73,534		6		(3,018)		70,522		—
Agency commercial	263,610		16		(25,134)		238,492		—
Total held-to-maturity	$	453,850	$	208	$	(33,534)	$	420,524	$	—


	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	$	—

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

The amortized cost and fair value of debt securities by contractual maturity, as of March 31, 2026, 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	$	41,806	$	41,190	$	7,330	$	7,292
Due after 1 year through 5 years	176,007		164,871		73,183		70,399
Due after 5 years through 10 years	179,918		174,361		34,261		31,952
Due after 10 years	66,854		63,763		1,932		1,867

Mortgage-backed:
Agency residential	453,858		445,829		73,534		70,522
Agency commercial	142,810		135,978		263,610		238,492
Total	$	1,061,253	$	1,025,992	$	453,850	$	420,524

Schedule of Sales of Debt Securities

Sales of debt securities were as follows during the three months ended March 31:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Proceeds from sales		$	313,077	$	—
Gross realized gains		—		—
Gross realized losses		—		—

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:


	March 31, 2026
(dollars in thousands)	Readily Determinable Fair Value		No Readily Determinable Fair Value

Initial cost	$	3,269	$	6,764
Cumulative net unrealized gains (losses)	86		(369)
Carrying value	$	3,355	$	6,395


	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

Schedule of Unrealized Gains (Losses) on Equity Securities

Unrealized gains (losses) on equity securities were as follows during the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Readily determinable fair value		$	(112)	$	8
No readily determinable fair value		—		—
Unrealized gains (losses) on equity securities		$	(112)	$	8

- 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).

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- Definition

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+ Details

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 615,498	$ 544,605
Other comprehensive income (loss) before reclassifications	(6,495)	11,086
Reclassifications	449	468
Total other comprehensive income (loss), before tax	(6,046)	11,554
Income tax expense (benefit)	(1,693)	3,235
Total other comprehensive income (loss)	(4,353)	8,319
Ending balance	747,405	565,057
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(23,018)	(46,765)
Total other comprehensive income (loss)	(4,353)	8,319
Ending balance	(27,371)	(38,446)
Available-for-Sale
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(17,320)	(39,408)
Other comprehensive income (loss) before reclassifications	(6,495)	11,085
Reclassifications	0	0
Total other comprehensive income (loss), before tax	(6,495)	11,085
Income tax expense (benefit)	(1,819)	3,104
Total other comprehensive income (loss)	(4,676)	7,981
Ending balance	(21,996)	(31,427)
Held-to-Maturity
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(5,698)	(7,119)
Other comprehensive income (loss) before reclassifications	0	0
Reclassifications	449	504
Total other comprehensive income (loss), before tax	449	504
Income tax expense (benefit)	126	141
Total other comprehensive income (loss)	323	363
Ending balance	(5,375)	(6,756)
Derivatives
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	0	(238)
Other comprehensive income (loss) before reclassifications	0	1
Reclassifications	0	(36)
Total other comprehensive income (loss), before tax	0	(35)
Income tax expense (benefit)	0	(10)
Total other comprehensive income (loss)	0	(25)
Ending balance	$ 0	$ (263)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Numerator:
Net income	$ 11,200	$ 19,075
Denominator:
Weighted average common shares outstanding (in shares)	33,180,009	31,584,989
Dilutive effect of outstanding restricted stock units (in shares)	120,087	126,682
Weighted average common shares outstanding, including all dilutive potential shares (in shares)	33,300,096	31,711,671
Earnings per share - basic (in dollars per share)	$ 0.34	$ 0.60
Earnings per share - diluted (in dollars per share)	$ 0.34	$ 0.60

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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+ Details

DERIVATIVE FINANCIAL INSTRUMENTS - Schedule of the Effect of Interest Rate Swap Agreements Designated as Cash Flow Hedges on the Consolidated Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Amounts of gross gain (loss) reclassified from accumulated other comprehensive income (loss)	$ 0	$ 36

SUBORDINATED NOTES (Tables)

3 Months Ended

Mar. 31, 2026

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)	March 31, 2026		December 31, 2025

Subordinated notes, at face value	$	85,000	$	—
Unamortized issuance costs	(997)		—
Subordinated notes, at carrying value	$	84,003	$	—

LOAN SERVICING (Details) - USD ($) $ in Thousands	3 Months Ended
LOAN SERVICING (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Transfers and Servicing [Abstract]
Mortgage loans serviced for others	$ 1,660,000		$ 1,420,000
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	16,944	$ 18,827
Acquired	2,949	0
Capitalized servicing rights	199	95
Fair value adjustments attributable to payments and principal reductions	(541)	(453)
Fair value adjustments attributable to changes in valuation inputs and assumptions	539	50
Ending balance	$ 20,090	$ 18,519

- 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.

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+ Details

FORECLOSED ASSETS - Narrative (Details) $ in Thousands	3 Months Ended	12 Months Ended
FORECLOSED ASSETS - Narrative (Details) $ in Thousands	Mar. 31, 2026 USD ($) loan	Dec. 31, 2025 USD ($) loan	Mar. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
FORECLOSED ASSETS
Carrying value of foreclosed asset	$ 1,149	$ 1,126	$ 460	$ 367
One-to-four family residential real estate property
FORECLOSED ASSETS
Carrying value of foreclosed asset	$ 800	$ 900
Number of loans in the process of foreclosure \| loan	7	3
Loan amount in the process of foreclosure	$ 300	$ 200

SECURITIES - Amortized Cost and Fair Values of Securities with Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Available-for-sale:
Amortized Cost	$ 1,061,253	$ 841,867
Gross Unrealized Gains	3,188	4,667
Gross Unrealized Losses	(38,449)	(33,433)
Allowance for Credit Losses	0	0
Total	1,025,992	813,101
Held-to-maturity:
Amortized Cost	453,850	458,746
Gross Unrecognized Gains	208	401
Gross Unrecognized Losses	(33,534)	(32,348)
Total	420,524	426,799
Allowance for Credit Losses	0	0
U.S. Treasury
Available-for-sale:
Amortized Cost	79,825	89,796
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(4,277)	(4,252)
Allowance for Credit Losses	0	0
Total	75,548	85,544
U.S. government agency
Available-for-sale:
Amortized Cost	110,402	42,399
Gross Unrealized Gains	187	146
Gross Unrealized Losses	(1,478)	(1,123)
Allowance for Credit Losses	0	0
Total	109,111	41,422
Held-to-maturity:
Amortized Cost	88,501	88,496
Gross Unrecognized Gains	0	0
Gross Unrecognized Losses	(5,292)	(4,850)
Total	83,209	83,646
Allowance for Credit Losses	0	0
Municipal
Available-for-sale:
Amortized Cost	208,692	152,144
Gross Unrealized Gains	119	188
Gross Unrealized Losses	(14,618)	(12,062)
Allowance for Credit Losses	0	0
Total	194,193	140,270
Held-to-maturity:
Amortized Cost	28,205	28,214
Gross Unrecognized Gains	186	353
Gross Unrecognized Losses	(90)	(58)
Total	28,301	28,509
Allowance for Credit Losses	0	0
Agency residential
Available-for-sale:
Amortized Cost	453,858	364,567
Gross Unrealized Gains	1,959	3,605
Gross Unrealized Losses	(9,988)	(7,377)
Allowance for Credit Losses	0	0
Total	445,829	360,795
Held-to-maturity:
Amortized Cost	73,534	75,536
Gross Unrecognized Gains	6	23
Gross Unrecognized Losses	(3,018)	(2,544)
Total	70,522	73,015
Allowance for Credit Losses	0	0
Agency commercial
Available-for-sale:
Amortized Cost	142,810	127,004
Gross Unrealized Gains	95	107
Gross Unrealized Losses	(6,927)	(7,174)
Allowance for Credit Losses	0	0
Total	135,978	119,937
Held-to-maturity:
Amortized Cost	263,610	266,500
Gross Unrecognized Gains	16	25
Gross Unrecognized Losses	(25,134)	(24,896)
Total	238,492	241,629
Allowance for Credit Losses	0	0
Corporate
Available-for-sale:
Amortized Cost	65,666	65,957
Gross Unrealized Gains	828	621
Gross Unrealized Losses	(1,161)	(1,445)
Allowance for Credit Losses	0	0
Total	$ 65,333	$ 65,133

FORECLOSED ASSETS - Schedule of Foreclosed Assets Activity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Real Estate Acquired Through Foreclosure [Roll Forward]
Beginning balance	$ 1,126	$ 367
Transfers from loans	275	239
Proceeds from sales	(292)	(159)
Net gain on sales	40	27
Direct write-downs	0	(14)
Ending balance	$ 1,149	$ 460

DEPOSITS (Tables)

3 Months Ended

Mar. 31, 2026

Deposits [Abstract]

Schedule of Company's Interest-Bearing Deposits

The Company’s deposits are summarized below:


(dollars in thousands)	March 31, 2026		December 31, 2025

Noninterest-bearing deposits	$	1,342,192	$	1,049,043
Interest-bearing deposits:
Interest-bearing demand	1,365,216		1,144,416
Money market	929,671		839,097
Savings	900,700		564,220
Time	1,265,669		762,487

Total interest-bearing deposits	4,461,256		3,310,220
Total deposits	$	5,803,448	$	4,359,263

Schedule of Interest Expense on Deposits

The components of interest expense on deposits were as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Interest-bearing demand		$	1,931	$	1,453
Money market		4,448		4,397
Savings		704		370
Time		7,026		6,719

Total interest expense on deposits		$	14,109	$	12,939

- 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)
-Publisher SEC

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (2)
-Publisher SEC

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (1)
-Publisher SEC

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

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (1)
-Publisher SEC

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

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

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

SECURITIES - Amortized Cost and Fair Values of Securities with Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Amortized Cost
Due in 1 year or less	$ 41,806
Due after 1 year through 5 years	176,007
Due after 5 years through 10 years	179,918
Due after 10 years	66,854
Total	1,061,253
Fair Value
Due in 1 year or less	41,190
Due after 1 year through 5 years	164,871
Due after 5 years through 10 years	174,361
Due after 10 years	63,763
Total	1,025,992	$ 813,101
Amortized Cost
Due in 1 year or less	7,330
Due after 1 year through 5 years	73,183
Due after 5 years through 10 years	34,261
Due after 10 years	1,932
Total	453,850
Fair Value
Due in 1 year or less	7,292
Due after 1 year through 5 years	70,399
Due after 5 years through 10 years	31,952
Due after 10 years	1,867
Total	420,524	426,799
Agency residential
Amortized Cost
Total	453,858
Fair Value
Total	445,829	360,795
Amortized Cost
Total	73,534
Fair Value
Total	70,522	73,015
Agency commercial
Amortized Cost
Total	142,810
Fair Value
Total	135,978	119,937
Amortized Cost
Total	263,610
Fair Value
Total	$ 238,492	$ 241,629

STOCK-BASED COMPENSATION PLANS - Schedule of Option Pricing Model to Value the Stock Appreciation Rights (Details) - Stock appreciation rights	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Risk-free interest rate	3.85%	3.61%
Expected volatility	29.88%	29.60%
Expected life (in years)	3 years 4 months 24 days	3 years 8 months 12 days
Expected dividend yield	3.44%	3.25%

- 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
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (f)(2)(v)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
-Paragraph 2
-Subparagraph (f)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
-Paragraph 2
-Subparagraph (f)(2)(iii)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
-Paragraph 2
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
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-Subparagraph (d)(1)
-Publisher FASB
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 35
-Paragraph 1D
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480483/718-10-35-1D

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
-Section 35
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-URI https://asc.fasb.org/1943274/2147480483/718-10-35-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(1)(i)
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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Reference 16: 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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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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Reference 23: http://www.xbrl.org/2003/role/disclosureRef
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Reference 24: http://www.xbrl.org/2003/role/disclosureRef
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
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Reference 26: 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

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.23	$ 0.21

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Schedule of Major Categories of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	$ 4,686,951	$ 3,456,209
Allowance for credit losses	(60,474)	(41,690)	$ (42,111)	$ (42,044)
Loans, net of allowance for credit losses	4,626,477	3,414,519
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	528,301	399,760
Allowance for credit losses	(9,793)	(6,975)	(6,086)	(5,357)
Commercial real estate - owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	519,847	320,434
Allowance for credit losses	(8,406)	(4,383)	(3,300)	(3,107)
Commercial real estate - non-owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	1,099,784	937,094
Allowance for credit losses	(11,598)	(8,705)	(11,193)	(11,707)
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	425,335	280,254
Allowance for credit losses	(6,507)	(3,899)	(4,621)	(4,302)
Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	638,653	544,941
Allowance for credit losses	(7,225)	(5,484)	(4,118)	(4,331)
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	614,563	445,463
Allowance for credit losses	(5,645)	(3,535)	(3,755)	(3,908)
Agricultural and farmland
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	596,294	275,251
Allowance for credit losses	(1,891)	(758)	(1,316)	(1,170)
Municipal, consumer, and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, before allowance for credit losses	264,174	253,012
Allowance for credit losses	$ (9,409)	$ (7,951)	$ (7,722)	$ (8,162)

COMMITMENTS AND CONTINGENCIES - Schedule of Commitments and Conditional Obligations (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Standby letters of credit
COMMITMENTS AND CONTINGENCIES
Contractual Amount	$ 35,500	$ 29,727
Commitments to extend credit
COMMITMENTS AND CONTINGENCIES
Contractual Amount	$ 1,108,345	$ 855,014

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)

3 Months Ended

Mar. 31, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

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)
	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Designated as cash flow hedges:
Junior subordinated debentures interest expense	$	—	$	36

Schedule of Interest Rate Swap Agreements Not Designated as Hedging Instruments

The interest rate swap agreements not designated as hedging instruments were as follows:


	March 31, 2026				December 31, 2025
(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	$	2,528	$	45	$	6,344	$	75
Interest rate swaps with a financial institution counterparty	73,533		2,987		73,011		2,915
Total fair value recorded in other assets	$	76,061	$	3,032	$	79,355	$	2,990

Fair value recorded in other liabilities:
Interest rate swaps with a commercial borrower counterparty	$	73,533	$	(2,987)	$	73,011	$	(2,915)
Interest rate swaps with a financial institution counterparty	2,528		(45)		6,344		(75)
Total fair value recorded in other liabilities	$	76,061	$	(3,032)	$	79,355	$	(2,990)

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:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Not designated as hedging instruments:
Gross gains	$	478	$	1,649
Gross losses	(478)		(1,649)
Net gains (losses)	$	—	$	—

Schedule of Risk Participation Agreement

The risk participation agreement matures in 2035 and is summarized as follows:


(dollars in thousands)	March 31, 2026		December 31, 2025

Risk participation agreements sold
Number of risk participation agreements	1		1
Notional amount	$	5,255	$	5,268
Fair value	(10)		(10)

LOAN SERVICING (Tables)

3 Months Ended

Mar. 31, 2026

Transfers and Servicing [Abstract]

Schedule of Activity in Mortgage Servicing Rights

Activity in mortgage servicing rights was as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Beginning balance		$	16,944	$	18,827
Acquired		2,949		—
Capitalized servicing rights		199		95
Fair value adjustments attributable to payments and principal reductions		(541)		(453)
Fair value adjustments attributable to changes in valuation inputs and assumptions		539		50
Ending balance		$	20,090	$	18,519

REGULATORY CAPITAL - Schedule of the Company's and the Bank Subsidiaries' Actual and Required Capital Amounts and Ratios (Details) $ in Thousands	Mar. 31, 2026 USD ($)	Dec. 31, 2025 USD ($)
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	$ 819,747	$ 651,379
Actual, ratio (as a percent)	0.1546	0.1652
For capital adequacy purposes, amount	$ 424,096	$ 315,520
For capital adequacy purposes, ratio (as a percent).	0.0800	0.0800
To be well capitalized under prompt corrective action provisions, amount	$ 530,120	$ 394,400
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	$ 765,541	$ 608,137
Actual, ratio (as a percent)	0.1444	0.1542
For capital adequacy purposes, amount	$ 318,072	$ 236,640
For capital adequacy purposes, ratio (as a percent)	0.0600	0.0600
To be well capitalized under prompt corrective action provisions, amount	$ 424,096	$ 315,520
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	$ 765,541	$ 608,137
Actual, ratio (as a percent)	14.44%	15.42%
For capital adequacy purposes, amount	$ 238,554	$ 177,480
For capital adequacy purposes, ratio (as a percent)	4.50%	4.50%
To be well capitalized under prompt corrective action provisions, amount	$ 344,578	$ 256,360
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	$ 765,541	$ 608,137
Actual, ratio (as a percent)	0.1363	0.1202
For capital adequacy purposes, amount	$ 224,710	$ 202,314
For capital adequacy purposes, ratio (as a percent)	0.0400	0.0400
To be well capitalized under prompt corrective action provisions, amount	$ 280,887	$ 252,893
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	$ 848,235	$ 663,872
Actual, ratio (as a percent)	0.1599	0.1682
For capital adequacy purposes, amount	$ 424,463	$ 315,844
For capital adequacy purposes, ratio (as a percent).	0.0800	0.0800
Tier 1 Capital (to Risk Weighted Assets)
Actual, amount	$ 710,026	$ 620,630
Actual, ratio (as a percent)	0.1338	0.1572
For capital adequacy purposes, amount	$ 318,347	$ 236,883
For capital adequacy purposes, ratio (as a percent)	0.0600	0.0600
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Actual, amount	$ 658,716	$ 569,335
Actual, ratio (as a percent)	12.42%	14.42%
For capital adequacy purposes, amount	$ 238,760	$ 177,662
For capital adequacy purposes, ratio (as a percent)	4.50%	4.50%
Tier 1 Capital (to Average Assets)
Actual, amount	$ 710,026	$ 620,630
Actual, ratio (as a percent)	0.1263	0.1226
For capital adequacy purposes, amount	$ 224,898	$ 202,443
For capital adequacy purposes, ratio (as a percent)	0.0400	0.0400

SUBORDINATED NOTES - Narrative (Details) - Subordinated notes - USD ($) $ in Thousands	Mar. 11, 2026	Mar. 31, 2026	Dec. 31, 2025
SUBORDINATED NOTES
Subordinated notes, at face value	$ 85,000	$ 85,000	$ 0
Fixed interest rate	5.75%
Spread on interest rate basis	2.33%
Redemption price percentage	100.00%
Qualifies as Tier 2 capital		100.00%

- 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

FORECLOSED ASSETS (Tables)

3 Months Ended

Mar. 31, 2026

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

Schedule of Foreclosed Assets Activity

Foreclosed assets activity was as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Beginning balance		$	1,126	$	367

Transfers from loans		275		239

Proceeds from sales		(292)		(159)

Net gain on sales		40		27
Direct write-downs		—		(14)
Ending balance		$	1,149	$	460

Schedule of Gains (Losses) on Foreclosed Assets

Gains (losses) on foreclosed assets included the following:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Direct write-downs		$	—	$	(14)
Net gain on sales		40		27
Gains on foreclosed assets		$	40	$	13

STOCK-BASED COMPENSATION PLANS

3 Months Ended

Mar. 31, 2026

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):


	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Restricted stock units	$	317	$	273
Performance restricted stock units	160		146
Total awards classified as equity	477		419
Stock appreciation rights	43		(9)
Total stock-based compensation expense	$	520	$	410

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 three months ended March 31, 2026 and 2025, the total grant date fair value of the restricted stock units granted was $1.7 million and $1.1 million, respectively, based on the grant date closing prices. The total intrinsic value of restricted stock units that vested during the three months ended March 31, 2026 and 2025 was $1.4 million and $1.4 million, respectively.

The following is a summary of restricted stock unit activity:











	Three Months Ended March 31,
	2026			2025
	Restricted Stock Units	Weighted Average Grant Date Fair Value		Restricted Stock Units	Weighted Average Grant Date Fair Value
Beginning balance	94,947	$	22.20	108,603	$	19.71
Granted	61,428	27.02		43,397	25.00
Vested	(52,225)	21.74		(56,922)	19.59
Forfeited	—	—		(131)	19.06
Ending balance	104,150	$	25.28	94,947	$	22.20

As of March 31, 2026, unrecognized compensation cost related to the non-vested restricted stock units was $2.1 million. This cost is expected to be recognized over the weighted average remaining service period of 2.0 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 three months ended March 31, 2026 and 2025, the total fair value of the performance restricted stock units granted was $0.5 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 three months ended March 31, 2026 and 2025 was $0.7 million and $1.1 million, respectively.

The following is a summary of performance restricted stock unit activity:












	Three Months Ended March 31,
	2026			2025
	Performance Restricted Stock Units	Weighted Average Grant Date Fair Value		Performance Restricted Stock Units	Weighted Average Grant Date Fair Value
Beginning balance	53,625	$	22.07	70,333	$	19.59
Granted	17,774	26.96		16,662	25.00
Adjustment for performance condition	8,517	22.72		11,864	18.66
Vested	(25,547)	22.72		(42,783)	18.66
Forfeited	—	—		(2,451)	16.27
Ending balance	54,369	$	23.46	53,625	$	22.07

As of March 31, 2026, unrecognized compensation cost related to non-vested performance restricted stock units was $0.6 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 1.6 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:












	Three Months Ended March 31,
	2026			2025
	Stock Appreciation Rights	Weighted Average Grant Date Assigned Value		Stock Appreciation Rights	Weighted Average Grant Date Assigned Value
Beginning balance	67,320	$	16.32	73,440	$	16.32
Granted	—	—		—	—
Exercised	—	—		(6,120)	16.32
Expired	—	—		—	—
Forfeited	—	—		—	—
Ending balance	67,320	$	16.32	67,320	$	16.32

As of March 31, 2026, all stock appreciation rights were exercisable and had a weighted average remaining term of 3.4 years. There was no unrecognized compensation cost for stock appreciation rights as of March 31, 2026.

As of March 31, 2026 and December 31, 2025, the liability recorded for outstanding stock appreciation rights was $0.7 million and $0.7 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.


	March 31, 2026		December 31, 2025
Risk-free interest rate	3.85	%	3.61	%
Expected volatility	29.88	%	29.60	%
Expected life (in years)	3.4		3.7
Expected dividend yield	3.44	%	3.25	%

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Stockholders' Equity
Debt securities held-to-maturity	$ 420,524	$ 426,799
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)	38,451,113	32,899,104
Common stock, outstanding (in shares)	36,381,078	31,431,924
Treasury stock, (in shares)	2,070,035	1,467,180

FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of Additional Information About the Unobservable Inputs Used in Fair Value Measurement of Mortgage Servicing Rights (Details) $ in Thousands	Mar. 31, 2026 USD ($)	Dec. 31, 2025 USD ($)	Mar. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
FAIR VALUE OF FINANCIAL INSTRUMENTS
Mortgage servicing rights, at fair value	$ 20,090	$ 16,944	$ 18,519	$ 18,827
Fair Value, Recurring
FAIR VALUE OF FINANCIAL INSTRUMENTS
Mortgage servicing rights, at fair value	20,090	16,944
Fair Value, Recurring \| Level 3 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Mortgage servicing rights, at fair value	20,090	16,944
Fair Value, Recurring \| Level 3 Inputs \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Mortgage servicing rights, at fair value	$ 20,090	$ 16,944
Fair Value, Recurring \| Level 3 Inputs \| Constant pre-payment rates (CPR) \| Minimum \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Measurement input	0.048	0.049
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	0.079	0.081
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	0.126	0.110
Fair Value, Recurring \| Level 3 Inputs \| Discount rate \| Weighted Average \| Valuation Technique, Discounted Cash Flow
FAIR VALUE OF FINANCIAL INSTRUMENTS
Measurement input	0.096	0.096

STOCK-BASED COMPENSATION PLANS - Schedule of Performance Restricted Stock Unit Activity (Details) - Performance restricted stock units - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Stock-based compensation plans
Outstanding (in shares)	53,625	70,333
Granted (in shares)	17,774	16,662
Adjustment for performance condition (in shares)	8,517	11,864
Vested (in shares)	(25,547)	(42,783)
Forfeited (in shares)	0	(2,451)
Outstanding (in shares)	54,369	53,625
Weighted Average Grant Date Fair Value
Outstanding (in dollars per share)	$ 22.07	$ 19.59
Granted (in dollars per share)	26.96	25.00
Adjustment for performance condition (in dollars per share)	22.72	18.66
Vested (in dollars per share)	22.72	18.66
Forfeited (in dollars per share)	0	16.27
Outstanding (in dollars per share)	$ 23.46	$ 22.07

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2026
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

DEPOSITS - Schedule of Interest Expense on Deposits (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Deposits [Abstract]
Interest-bearing demand	$ 1,931	$ 1,453
Money market	4,448	4,397
Savings	704	370
Time	7,026	6,719
Total interest expense on deposits	$ 14,109	$ 12,939

SECURITIES - Investments in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Unrealized Loss
Less than 12 Months	$ (5,331)	$ (348)
12 Months or More	(33,118)	(33,085)
Total	(38,449)	(33,433)
Fair Value
Less than 12 Months	333,236	66,043
12 Months or More	438,744	481,795
Total	771,980	547,838
U.S. Treasury
Unrealized Loss
Less than 12 Months	0	0
12 Months or More	(4,277)	(4,252)
Total	(4,277)	(4,252)
Fair Value
Less than 12 Months	0	0
12 Months or More	75,548	85,544
Total	75,548	85,544
U.S. government agency
Unrealized Loss
Less than 12 Months	(394)	(18)
12 Months or More	(1,084)	(1,105)
Total	(1,478)	(1,123)
Fair Value
Less than 12 Months	48,259	2,956
12 Months or More	29,252	30,744
Total	77,511	33,700
Municipal
Unrealized Loss
Less than 12 Months	(2,072)	(35)
12 Months or More	(12,546)	(12,027)
Total	(14,618)	(12,062)
Fair Value
Less than 12 Months	56,417	4,525
12 Months or More	122,850	123,881
Total	179,267	128,406
Agency residential
Unrealized Loss
Less than 12 Months	(2,688)	(231)
12 Months or More	(7,300)	(7,146)
Total	(9,988)	(7,377)
Fair Value
Less than 12 Months	194,821	45,392
12 Months or More	100,089	121,114
Total	294,910	166,506
Agency commercial
Unrealized Loss
Less than 12 Months	(146)	(7)
12 Months or More	(6,781)	(7,167)
Total	(6,927)	(7,174)
Fair Value
Less than 12 Months	26,285	4,442
12 Months or More	90,814	95,580
Total	117,099	100,022
Corporate
Unrealized Loss
Less than 12 Months	(31)	(57)
12 Months or More	(1,130)	(1,388)
Total	(1,161)	(1,445)
Fair Value
Less than 12 Months	7,454	8,728
12 Months or More	20,191	24,932
Total	$ 27,645	$ 33,660

BUSINESS COMBINATIONS - Schedule of Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands	Mar. 01, 2026	Feb. 27, 2026	Mar. 31, 2026	Dec. 31, 2025
Consideration paid:
Goodwill			$ 83,504	$ 59,820
CNB Bank Shares, Inc.
Assets acquired:
Cash and cash equivalents	$ 48,873
Interest-bearing time deposits with banks	245
Debt securities	364,930
Equity securities	3,868
Restricted stock	5,251
Loans held for sale	287
Loans, before allowance for credit losses	1,296,340
Allowance for credit losses	(19,957)
Loans, net of allowance for credit losses	1,276,383
Bank owned life insurance	12,829
Bank premises and equipment	16,126
Intangible assets	30,083
Intangible assets held for sale	649
Mortgage servicing rights	2,949
Accrued interest receivable	13,795
Other assets	13,995
Total assets acquired	1,790,263
Liabilities assumed:
Deposits	1,516,838
Repurchase Agreements	18,354
FHLB advances	71,839
Other liabilities	24,849
Total liabilities assumed	1,631,880
Net assets acquired	158,383
Consideration paid:
Cash	33,837
Common stock	148,230
Total consideration paid	182,067	$ 182,100
Goodwill	$ 23,684		$ 23,700

STOCK-BASED COMPENSATION PLANS - Schedule of Stock-Based Compensation Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	$ 520	$ 410
Restricted stock units
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	317	273
Performance restricted stock units
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	160	146
Total awards classified as equity
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	477	419
Stock appreciation rights
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Total stock-based compensation expense	$ 43	$ (9)

- 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

COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($) $ in Millions	Mar. 31, 2026	Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]
Allowance for credit losses on unfunded commitments	$ 5.9	$ 4.1

SECURITIES

3 Months Ended

Mar. 31, 2026

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:


	March 31, 2026
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value

Available-for-sale:
U.S. Treasury	$	79,825	$	—	$	(4,277)	$	—	$	75,548
U.S. government agency	110,402		187		(1,478)		—		109,111
Municipal	208,692		119		(14,618)		—		194,193
Mortgage-backed:
Agency residential	453,858		1,959		(9,988)		—		445,829
Agency commercial	142,810		95		(6,927)		—		135,978

Corporate	65,666		828		(1,161)		—		65,333
Total available-for-sale	$	1,061,253	$	3,188	$	(38,449)	$	—	$	1,025,992

	March 31, 2026
(dollars in thousands)	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses

Held-to-maturity:
U.S. government agency	$	88,501	$	—	$	(5,292)	$	83,209	$	—
Municipal	28,205		186		(90)		28,301		—
Mortgage-backed:
Agency residential	73,534		6		(3,018)		70,522		—
Agency commercial	263,610		16		(25,134)		238,492		—
Total held-to-maturity	$	453,850	$	208	$	(33,534)	$	420,524	$	—


	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	$	—

As of March 31, 2026 and December 31, 2025, the Bank had debt securities with a carrying value of $515.9 million and $412.8 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.


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

Due in 1 year or less	$	41,806	$	41,190	$	7,330	$	7,292
Due after 1 year through 5 years	176,007		164,871		73,183		70,399
Due after 5 years through 10 years	179,918		174,361		34,261		31,952
Due after 10 years	66,854		63,763		1,932		1,867

Mortgage-backed:
Agency residential	453,858		445,829		73,534		70,522
Agency commercial	142,810		135,978		263,610		238,492
Total	$	1,061,253	$	1,025,992	$	453,850	$	420,524


	March 31, 2026
	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	$	—	$	—	$	(4,277)	$	75,548	$	(4,277)	$	75,548
U.S. government agency	(394)		48,259		(1,084)		29,252		(1,478)		77,511
Municipal	(2,072)		56,417		(12,546)		122,850		(14,618)		179,267
Mortgage-backed:
Agency residential	(2,688)		194,821		(7,300)		100,089		(9,988)		294,910
Agency commercial	(146)		26,285		(6,781)		90,814		(6,927)		117,099
Corporate	(31)		7,454		(1,130)		20,191		(1,161)		27,645
Total available-for-sale	$	(5,331)	$	333,236	$	(33,118)	$	438,744	$	(38,449)	$	771,980


	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

As of March 31, 2026, there were 508 debt securities in an unrealized loss position for a period of 12 months or more, and 194 debt securities in an unrealized loss position for a period of less than 12 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 74% of the total fair value of our municipal securities portfolio as of March 31, 2026. The remainder of the municipal securities are also of high credit quality with ratings of A1/A+ 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 March 31, 2026, 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 $6.7 million and $5.5 million as of March 31, 2026 and December 31, 2025, respectively.

Sales of debt securities were as follows during the three months ended March 31:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Proceeds from sales		$	313,077	$	—
Gross realized gains		—		—
Gross realized losses		—		—

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:


	March 31, 2026
(dollars in thousands)	Readily Determinable Fair Value		No Readily Determinable Fair Value

Initial cost	$	3,269	$	6,764
Cumulative net unrealized gains (losses)	86		(369)
Carrying value	$	3,355	$	6,395


	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

As of March 31, 2026 and December 31, 2025, 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 three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025

Readily determinable fair value		$	(112)	$	8
No readily determinable fair value		—		—
Unrealized gains (losses) on equity securities		$	(112)	$	8

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Schedule of Non-Accrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	$ 2,305	$ 1,584
Nonaccrual With No Allowance for Credit Losses	10,924	5,972
Total Nonaccrual	13,229	7,556
Commercial and industrial
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	836	565
Nonaccrual With No Allowance for Credit Losses	669	622
Total Nonaccrual	1,505	1,187
Commercial real estate - owner occupied
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	740	886
Nonaccrual With No Allowance for Credit Losses	1,476	879
Total Nonaccrual	2,216	1,765
Commercial real estate - non-owner occupied
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	0	0
Nonaccrual With No Allowance for Credit Losses	156	0
Total Nonaccrual	156	0
Construction and land development
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	6	0
Nonaccrual With No Allowance for Credit Losses	994	0
Total Nonaccrual	1,000	0
Multi-family
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	0	0
Nonaccrual With No Allowance for Credit Losses	62	0
Total Nonaccrual	62	0
One-to-four family residential
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	704	133
Nonaccrual With No Allowance for Credit Losses	6,626	3,301
Total Nonaccrual	7,330	3,434
Agricultural and farmland
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	0	0
Nonaccrual With No Allowance for Credit Losses	928	1,165
Total Nonaccrual	928	1,165
Municipal, consumer, and other
Financing receivable, nonaccrual
Nonaccrual With Allowance for Credit Losses	19	0
Nonaccrual With No Allowance for Credit Losses	13	5
Total Nonaccrual	$ 32	$ 5

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Schedule of Risk Ratings of Loans, Further Sorted by Origination Year (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable Term Loans by Origination Year
Year one	$ 341,980	$ 876,839
Year two	1,143,625	399,481
Year three	507,284	354,657
Year four	454,326	496,237
Year five	612,345	450,014
Prior	996,519	391,221
Revolving Loans	598,964	460,018
Revolving Loans Converted to Term	31,908	27,742
Total	4,686,951	3,456,209
Pass
Financing Receivable Term Loans by Origination Year
Year one	318,879	842,939
Year two	1,095,704	390,297
Year three	488,799	334,247
Year four	422,728	445,360
Year five	550,565	439,151
Prior	895,932	347,690
Revolving Loans	516,512	421,336
Revolving Loans Converted to Term	28,070	20,892
Total	4,317,189	3,241,912
Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	17,063	15,394
Year two	33,740	8,105
Year three	14,782	15,587
Year four	23,361	35,749
Year five	51,707	8,145
Prior	62,329	18,327
Revolving Loans	52,411	29,790
Revolving Loans Converted to Term	612	669
Total	256,005	131,766
Special Mention
Financing Receivable Term Loans by Origination Year
Year one	186	3,692
Year two	5,303	42
Year three	855	916
Year four	2,113	1,233
Year five	1,915	271
Prior	4,827	0
Revolving Loans	14,000	2,903
Revolving Loans Converted to Term	1,814	2,731
Total	31,013	11,788
Substandard
Financing Receivable Term Loans by Origination Year
Year one	5,852	14,814
Year two	8,878	1,037
Year three	2,848	3,907
Year four	6,124	13,895
Year five	8,158	2,447
Prior	33,431	25,204
Revolving Loans	16,041	5,989
Revolving Loans Converted to Term	1,412	3,450
Total	82,744	70,743
Commercial and industrial
Financing Receivable Term Loans by Origination Year
Year one	28,712	46,755
Year two	71,080	47,654
Year three	52,682	41,816
Year four	50,681	32,362
Year five	42,840	8,914
Prior	31,228	16,397
Revolving Loans	247,519	191,367
Revolving Loans Converted to Term	3,559	14,495
Total	528,301	399,760
Commercial and industrial \| Pass
Financing Receivable Term Loans by Origination Year
Year one	27,879	45,966
Year two	68,921	46,995
Year three	49,541	39,709
Year four	47,923	30,655
Year five	40,609	7,983
Prior	28,845	15,680
Revolving Loans	206,242	171,444
Revolving Loans Converted to Term	2,116	11,509
Total	472,076	369,941
Commercial and industrial \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	774	457
Year two	802	145
Year three	2,295	1,328
Year four	1,685	254
Year five	512	821
Prior	1,154	12
Revolving Loans	25,370	15,847
Revolving Loans Converted to Term	218	96
Total	32,810	18,960
Commercial and industrial \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	19	134
Year two	39	0
Year three	250	36
Year four	0	331
Year five	174	0
Prior	23	0
Revolving Loans	9,255	255
Revolving Loans Converted to Term	300	1,835
Total	10,060	2,591
Commercial and industrial \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	40	198
Year two	1,318	514
Year three	596	743
Year four	1,073	1,122
Year five	1,545	110
Prior	1,206	705
Revolving Loans	6,652	3,821
Revolving Loans Converted to Term	925	1,055
Total	13,355	8,268
Commercial real estate - owner occupied
Financing Receivable Term Loans by Origination Year
Year one	19,145	62,330
Year two	102,529	60,937
Year three	87,949	20,759
Year four	44,054	50,686
Year five	92,284	47,026
Prior	140,310	51,942
Revolving Loans	33,194	25,308
Revolving Loans Converted to Term	382	1,446
Total	519,847	320,434
Commercial real estate - owner occupied \| Pass
Financing Receivable Term Loans by Origination Year
Year one	17,177	53,050
Year two	94,724	59,585
Year three	84,922	20,402
Year four	43,300	47,115
Year five	85,040	43,983
Prior	132,395	50,548
Revolving Loans	22,415	16,267
Revolving Loans Converted to Term	304	881
Total	480,277	291,831
Commercial real estate - owner occupied \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	403	4,739
Year two	4,836	1,352
Year three	2,315	199
Year four	609	1,729
Year five	3,729	1,897
Prior	4,639	681
Revolving Loans	7,029	7,084
Revolving Loans Converted to Term	47	0
Total	23,607	17,681
Commercial real estate - owner occupied \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	0	2,274
Year two	1,650	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	171	0
Revolving Loans	1,500	1,500
Revolving Loans Converted to Term	0	0
Total	3,321	3,774
Commercial real estate - owner occupied \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	1,565	2,267
Year two	1,319	0
Year three	712	158
Year four	145	1,842
Year five	3,515	1,146
Prior	3,105	713
Revolving Loans	2,250	457
Revolving Loans Converted to Term	31	565
Total	12,642	7,148
Commercial real estate - non-owner occupied
Financing Receivable Term Loans by Origination Year
Year one	80,139	243,352
Year two	251,762	79,377
Year three	100,211	93,844
Year four	107,899	195,609
Year five	210,807	192,429
Prior	322,994	108,222
Revolving Loans	23,388	22,672
Revolving Loans Converted to Term	2,584	1,589
Total	1,099,784	937,094
Commercial real estate - non-owner occupied \| Pass
Financing Receivable Term Loans by Origination Year
Year one	71,009	224,400
Year two	240,195	73,631
Year three	93,134	93,259
Year four	105,251	193,916
Year five	196,768	189,265
Prior	294,200	91,394
Revolving Loans	22,905	21,926
Revolving Loans Converted to Term	2,584	1,589
Total	1,026,046	889,380
Commercial real estate - non-owner occupied \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	5,057	7,645
Year two	11,567	5,704
Year three	6,670	391
Year four	2,442	1,693
Year five	13,975	2,898
Prior	24,526	14,314
Revolving Loans	483	746
Revolving Loans Converted to Term	0	0
Total	64,720	33,391
Commercial real estate - non-owner occupied \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	0	0
Year two	0	42
Year three	0	0
Year four	0	0
Year five	0	266
Prior	1,600	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	1,600	308
Commercial real estate - non-owner occupied \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	4,073	11,307
Year two	0	0
Year three	407	194
Year four	206	0
Year five	64	0
Prior	2,668	2,514
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	7,418	14,015
Construction and land development
Financing Receivable Term Loans by Origination Year
Year one	71,090	162,770
Year two	240,701	57,091
Year three	73,165	24,425
Year four	24,969	10,218
Year five	2,604	12,853
Prior	6,107	741
Revolving Loans	4,544	10,970
Revolving Loans Converted to Term	2,155	1,186
Total	425,335	280,254
Construction and land development \| Pass
Financing Receivable Term Loans by Origination Year
Year one	68,699	162,752
Year two	238,685	56,846
Year three	72,922	24,151
Year four	24,698	1,460
Year five	2,587	12,853
Prior	6,043	676
Revolving Loans	4,544	10,970
Revolving Loans Converted to Term	1,786	224
Total	419,964	269,932
Construction and land development \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	2,391	18
Year two	684	245
Year three	243	0
Year four	0	0
Year five	17	0
Prior	15	16
Revolving Loans	0	0
Revolving Loans Converted to Term	0	261
Total	3,350	540
Construction and land development \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	0	0
Year two	333	0
Year three	0	274
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	369	701
Total	702	975
Construction and land development \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	0	0
Year two	999	0
Year three	0	0
Year four	271	8,758
Year five	0	0
Prior	49	49
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	1,319	8,807
Multi-family
Financing Receivable Term Loans by Origination Year
Year one	18,291	175,366
Year two	209,757	73,457
Year three	55,194	57,967
Year four	94,186	99,443
Year five	113,491	81,741
Prior	144,607	53,452
Revolving Loans	2,113	2,483
Revolving Loans Converted to Term	1,014	1,032
Total	638,653	544,941
Multi-family \| Pass
Financing Receivable Term Loans by Origination Year
Year one	13,489	175,366
Year two	209,695	73,457
Year three	55,194	45,977
Year four	81,175	70,197
Year five	84,232	81,169
Prior	143,085	53,452
Revolving Loans	2,113	2,483
Revolving Loans Converted to Term	1,014	1,032
Total	589,997	503,133
Multi-family \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	4,802	0
Year two	0	0
Year three	0	11,990
Year four	11,984	29,246
Year five	29,259	572
Prior	1,238	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	47,283	41,808
Multi-family \| 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	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	0	0
Multi-family \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	0	0
Year two	62	0
Year three	0	0
Year four	1,027	0
Year five	0	0
Prior	284	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	1,373	0
One-to-four family residential
Financing Receivable Term Loans by Origination Year
Year one	63,579	76,126
Year two	103,879	26,298
Year three	44,111	67,145
Year four	62,341	71,213
Year five	97,474	58,246
Prior	157,935	78,747
Revolving Loans	79,030	61,810
Revolving Loans Converted to Term	6,214	5,878
Total	614,563	445,463
One-to-four family residential \| Pass
Financing Receivable Term Loans by Origination Year
Year one	60,627	75,509
Year two	98,675	25,965
Year three	43,594	65,431
Year four	59,278	69,197
Year five	94,740	56,878
Prior	146,539	71,763
Revolving Loans	77,982	61,555
Revolving Loans Converted to Term	5,485	5,255
Total	586,920	431,553
One-to-four family residential \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	2,796	151
Year two	2,363	146
Year three	192	632
Year four	832	761
Year five	1,259	1,089
Prior	4,589	2,498
Revolving Loans	392	233
Revolving Loans Converted to Term	276	231
Total	12,699	5,741
One-to-four family residential \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	106	31
Year two	0	0
Year three	0	598
Year four	311	902
Year five	901	0
Prior	0	0
Revolving Loans	59	0
Revolving Loans Converted to Term	0	115
Total	1,377	1,646
One-to-four family residential \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	50	435
Year two	2,841	187
Year three	325	484
Year four	1,920	353
Year five	574	279
Prior	6,807	4,486
Revolving Loans	597	22
Revolving Loans Converted to Term	453	277
Total	13,567	6,523
Agricultural and farmland
Financing Receivable Term Loans by Origination Year
Year one	29,097	51,689
Year two	110,004	29,067
Year three	63,792	31,352
Year four	50,648	18,926
Year five	37,426	26,928
Prior	122,347	24,119
Revolving Loans	167,000	91,055
Revolving Loans Converted to Term	15,980	2,115
Total	596,294	275,251
Agricultural and farmland \| Pass
Financing Receivable Term Loans by Origination Year
Year one	28,074	47,469
Year two	90,957	28,223
Year three	59,338	27,972
Year four	41,588	15,041
Year five	31,195	25,152
Prior	87,365	20,220
Revolving Loans	138,152	82,342
Revolving Loans Converted to Term	14,761	401
Total	491,430	246,820
Agricultural and farmland \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	840	2,367
Year two	13,453	513
Year three	3,067	1,047
Year four	5,809	2,066
Year five	2,950	868
Prior	26,135	805
Revolving Loans	19,124	5,878
Revolving Loans Converted to Term	71	81
Total	71,449	13,625
Agricultural and farmland \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	61	1,253
Year two	3,278	0
Year three	605	8
Year four	1,802	0
Year five	826	5
Prior	3,033	0
Revolving Loans	3,186	1,148
Revolving Loans Converted to Term	1,145	80
Total	13,936	2,494
Agricultural and farmland \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	122	600
Year two	2,316	331
Year three	782	2,325
Year four	1,449	1,819
Year five	2,455	903
Prior	5,814	3,094
Revolving Loans	6,538	1,687
Revolving Loans Converted to Term	3	1,553
Total	19,479	12,312
Municipal, consumer, and other
Financing Receivable Term Loans by Origination Year
Year one	31,927	58,451
Year two	53,913	25,600
Year three	30,180	17,349
Year four	19,548	17,780
Year five	15,419	21,877
Prior	70,991	57,601
Revolving Loans	42,176	54,353
Revolving Loans Converted to Term	20	1
Total	264,174	253,012
Municipal, consumer, and other \| Pass
Financing Receivable Term Loans by Origination Year
Year one	31,925	58,427
Year two	53,852	25,595
Year three	30,154	17,346
Year four	19,515	17,779
Year five	15,394	21,868
Prior	57,460	43,957
Revolving Loans	42,159	54,349
Revolving Loans Converted to Term	20	1
Total	250,479	239,322
Municipal, consumer, and other \| Pass-Watch
Financing Receivable Term Loans by Origination Year
Year one	0	17
Year two	35	0
Year three	0	0
Year four	0	0
Year five	6	0
Prior	33	1
Revolving Loans	13	2
Revolving Loans Converted to Term	0	0
Total	87	20
Municipal, consumer, and other \| Special Mention
Financing Receivable Term Loans by Origination Year
Year one	0	0
Year two	3	0
Year three	0	0
Year four	0	0
Year five	14	0
Prior	0	0
Revolving Loans	0	0
Revolving Loans Converted to Term	0	0
Total	17	0
Municipal, consumer, and other \| Substandard
Financing Receivable Term Loans by Origination Year
Year one	2	7
Year two	23	5
Year three	26	3
Year four	33	1
Year five	5	9
Prior	13,498	13,643
Revolving Loans	4	2
Revolving Loans Converted to Term	0	0
Total	$ 13,591	$ 13,670

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 11,200	$ 19,075
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation expense	971	756
Provision for credit losses	(156)	576
Net amortization of debt securities	157	777
Deferred income tax expense	9,732	782
Stock-based compensation	477	419
Net accretion of discount and deferred loan fees on loans	(1,989)	(1,887)
Net unrealized loss (gain) on equity securities	112	(8)
Net loss on disposals of bank premises and equipment	0	5
Net gain on sales of bank premises held for sale	0	(59)
Impairment losses on bank premises held for sale	210	0
Net gain on sales of foreclosed assets	(40)	(27)
Write-down of foreclosed assets	0	14
Amortization of intangibles	887	695
Decrease (increase) in fair value of mortgage servicing rights	(197)	308
Amortization of discount and issuance costs on subordinated notes and debentures	21	35
Amortization of discount on Federal Home Loan Bank advances	31	66
Amortization of premium on time deposits	(252)	0
Mortgage loans originated for sale	(14,533)	(8,315)
Proceeds from sale of mortgage loans	13,167	7,432
Net gain on sale of mortgage loans	(331)	(252)
Increase in cash surrender value of bank owned life insurance	(188)	(164)
Decrease in accrued interest receivable	2,261	2,035
Decrease (increase) in other assets	(5,016)	2,270
Increase in other liabilities	11,997	5,907
Net cash provided by operating activities	28,521	30,440
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales of debt securities	313,077	0
Proceeds from paydowns, maturities, and calls of debt securities	40,305	36,553
Purchase of debt securities	(202,650)	(24,367)
Purchase of equity securities	(60)	0
Purchase of loans	0	(9,782)
Net decrease in loans	66,554	15,369
Proceeds from redemption of restricted stock	4,230	0
Purchases of bank premises and equipment	(2,723)	(1,275)
Proceeds from sales of bank premises held for sale	0	186
Proceeds from sales of foreclosed assets	292	159
Net cash received in acquisition of CNB Bank Shares, Inc.	15,036	0
Net cash provided by investing activities	234,061	16,843
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	(72,401)	66,336
Net decrease in repurchase agreements	(13,308)	(26,271)
Proceeds from long-term Federal Home Loan Bank advances	0	1,800
Repayment of long-term Federal Home Loan Bank advances	(71,839)	(7,888)
Issuance of subordinated notes, net of issuance costs	83,997	0
Taxes paid related to the vesting of restricted stock units	(644)	(691)
Repurchase of common stock	(15,733)	0
Cash dividends and dividend equivalents paid	(7,270)	(6,670)
Net cash provided by (used in) financing activities	(97,198)	26,616
NET INCREASE IN CASH AND CASH EQUIVALENTS	165,384	73,899
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	122,269	137,692
CASH AND CASH EQUIVALENTS AT END OF PERIOD	287,653	211,591
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
Cash paid for interest	15,509	15,039
Net cash paid for income taxes	0	0
SUPPLEMENTAL DISCLOSURES OF NONCASH INVESTING ACTIVITIES
Transfers of loans to foreclosed assets	275	239
Transfers of bank premises and equipment to bank premises held for sale	$ 337	$ 0

BUSINESS COMBINATIONS

3 Months Ended

Mar. 31, 2026

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., 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 5.5 million shares of HBT Financial's common stock and $33.8 million in cash. In lieu of fractional shares of HBT Financial stock, holders of CNB common stock received cash. Based on the closing price of HBT Financial common stock of $26.96 on February 27, 2026, the aggregate transaction value was approximately $182.1 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. Given the timing of the acquisition, fair values are subject to refinement up to one year after the closing date of March 1, 2026. Goodwill of $23.7 million was recorded in the acquisition, which reflects expected synergies from combining the operations of HBT Financial and CNB, and is nondeductible for tax purposes.

The acquisition of CNB further enhanced HBT Financial's footprint in the central Illinois, Chicago MSA, and suburban St. Louis markets. Acquisition-related expenses recognized during the three months ended March 31, 2026 and 2025 are summarized below.


	Three Months Ended
(dollars in thousands)		March 31, 2026		March 31, 2025

Salaries		$	4,003	$	—

Occupancy of bank premises		105		—
Furniture and equipment		63		—
Data processing		8,668		—
Marketing and customer relations		69		—


Loan collection and servicing		320		—

Professional fees and other noninterest expense		2,438		—

Total acquisition-related expenses		$	15,666	$	—

The fair value of the assets acquired and liabilities assumed from CNB on the acquisition date of March 1, 2026 were as follows (dollars in thousands):


	Fair Value
Assets acquired:
Cash and cash equivalents	$	48,873
Interest-bearing time deposits with banks	245
Debt securities	364,930
Equity securities	3,868
Restricted stock	5,251
Loans held for sale	287

Loans, before allowance for credit losses	1,296,340
Allowance for credit losses	(19,957)
Loans, net of allowance for credit losses	1,276,383

Bank owned life insurance	12,829
Bank premises and equipment	16,126

Intangible assets	30,083
Intangible assets held for sale	649
Mortgage servicing rights	2,949

Accrued interest receivable	13,795
Other assets	13,995
Total assets acquired	1,790,263

Liabilities assumed:
Deposits	1,516,838
Repurchase Agreements	18,354
FHLB advances	71,839

Other liabilities	24,849
Total liabilities assumed	1,631,880
Net assets acquired	$	158,383

Consideration paid:
Cash	$	33,837
Common stock	148,230
Total consideration paid	$	182,067

Goodwill	$	23,684

Of the loans acquired, there were $163.9 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	$	163,879
Allowance for credit losses at acquisition	(2,509)
Non-credit discount	(10,121)
Purchase price	$	151,249

Intangible assets consist of core deposit intangible and customer relationship intangible assets with definite useful lives which are amortized over a 10 year period.

CNB information was fully integrated into HBT Financial's processes and systems during the system conversion in the first quarter of 2026, and as a result standalone CNB financial results are not available.

The following table provides the pro forma information for the results of operations for the three months ended March 31, 2026 and 2025 as if the acquisition of CNB had occurred on January 1, 2025. The pro forma results combine the historical results of CNB into HBT Financial’s consolidated statements of income, including the impact of certain acquisition accounting adjustments, which include loan discount accretion, securities 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, 2025. 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
	Three Months Ended
(dollars in thousands, except per share data)			March 31, 2026		March 31, 2025
Total revenues (net interest income and noninterest income)			$	81,045	$	77,942
Net income			22,228		11,757
Earnings per share - basic			0.60		0.32
Earnings per share - diluted			0.60		0.32

- Definition

The entire disclosure for business combination.

+ References

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+ Details

DEPOSITS - Schedule of Company's Interest-Bearing Deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Time Deposits [Abstract]
Noninterest-bearing deposits	$ 1,342,192	$ 1,049,043
Interest-bearing deposits:
Interest-bearing demand	1,365,216	1,144,416
Money market	929,671	839,097
Savings	900,700	564,220
Time	1,265,669	762,487
Total interest-bearing deposits	4,461,256	3,310,220
Total deposits	$ 5,803,448	$ 4,359,263

FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of Assets Measured at Fair Value on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
FAIR VALUE OF FINANCIAL INSTRUMENTS
Collateral-dependent loans	$ 4,686,951	$ 3,456,209
Foreclosed assets	1,149	1,126
Fair Value, Nonrecurring
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans held for sale	3,247	1,263
Bank premises held for sale	337
Foreclosed assets	1,149	1,126
Fair Value, Nonrecurring \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Collateral-dependent loans	28,678	23,196
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
Collateral-dependent loans	0	0
Fair Value, Nonrecurring \| Level 2 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans held for sale	3,247	1,263
Bank premises held for sale	0
Foreclosed assets	0	0
Fair Value, Nonrecurring \| Level 2 Inputs \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Collateral-dependent loans	0	0
Fair Value, Nonrecurring \| Level 3 Inputs
FAIR VALUE OF FINANCIAL INSTRUMENTS
Loans held for sale	0	0
Bank premises held for sale	337
Foreclosed assets	1,149	1,126
Fair Value, Nonrecurring \| Level 3 Inputs \| Collateral-dependent loans
FAIR VALUE OF FINANCIAL INSTRUMENTS
Collateral-dependent loans	$ 28,678	$ 23,196

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Receivables [Abstract]
Financing receivable, accrued interest, after allowance for credit loss	$ 28,200	$ 18,200
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

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025
Loans, including fees:
Taxable	$ 58,881	$ 53,369
Federally tax exempt	1,317	1,168
Debt securities:
Taxable	9,544	6,936
Federally tax exempt	658	469
Interest-bearing deposits in bank	1,276	1,065
Other interest and dividend income	163	131
Total interest and dividend income	71,839	63,138
INTEREST EXPENSE
Deposits	14,109	12,939
Securities sold under agreements to repurchase	16	22
Borrowings	209	109
Subordinated notes	278	470
Junior subordinated debentures issued to capital trusts	840	890
Total interest expense	15,452	14,430
Net interest income	56,387	48,708
PROVISION FOR CREDIT LOSSES	(156)	576
Net interest income after provision for credit losses	56,543	48,132
NONINTEREST INCOME
Mortgage servicing	983	990
Mortgage servicing rights fair value adjustment	197	(308)
Gains on sale of mortgage loans	331	252
Unrealized gains (losses) on equity securities	(112)	8
Gains (losses) on foreclosed assets	40	13
Gains (losses) on other assets	(210)	54
Income on bank owned life insurance	188	164
Other noninterest income	852	800
Total noninterest income	10,944	9,306
NONINTEREST EXPENSE
Salaries	23,061	17,053
Employee benefits	3,920	3,285
Occupancy of bank premises	3,124	2,625
Furniture and equipment	608	445
Data processing	11,794	2,717
Marketing and customer relations	1,144	1,144
Amortization of intangible assets	887	695
FDIC insurance	588	562
Loan collection and servicing	696	383
Foreclosed assets	60	5
Other noninterest expense	6,555	3,021
Total noninterest expense	52,437	31,935
INCOME BEFORE INCOME TAX EXPENSE	15,050	25,503
INCOME TAX EXPENSE	3,850	6,428
NET INCOME	$ 11,200	$ 19,075
EARNINGS PER SHARE - BASIC (in dollars per share)	$ 0.34	$ 0.60
EARNINGS PER SHARE - DILUTED (in dollars per share)	$ 0.34	$ 0.60
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING (in shares)	33,180,009	31,584,989
Card income
NONINTEREST INCOME
Revenue	$ 2,751	$ 2,548
Wealth management fees
NONINTEREST INCOME
Revenue	3,764	2,841
Service charges on deposit accounts
NONINTEREST INCOME
Revenue	$ 2,160	$ 1,944

BUSINESS COMBINATIONS - Schedule of PCD Loans at Acquisition (Details) - USD ($) $ in Thousands		3 Months Ended
	Mar. 01, 2026	Mar. 31, 2026
Business Combination [Line Items]
Allowance for credit losses at acquisition		$ (19,957)
CNB Bank Shares, Inc.
Business Combination [Line Items]
Unpaid principal balance	$ 163,879
Allowance for credit losses at acquisition	(2,509)
Non-credit discount	(10,121)
Purchase price	$ 151,249

- 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

3 Months Ended

Mar. 31, 2026

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 an 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 March 31, 2026 and December 31, 2025 by level within the fair value hierarchy:


	March 31, 2026
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Debt securities available-for-sale:
U.S. Treasury	$	—	$	75,548	$	—	$	75,548
U.S. government agency	—		109,111		—		109,111
Municipal	—		194,193		—		194,193
Mortgage-backed:
Agency residential	—		445,829		—		445,829
Agency commercial	—		135,978		—		135,978
Corporate	—		65,333		—		65,333
Equity securities with readily determinable fair values	3,355		—		—		3,355
Mortgage servicing rights	—		—		20,090		20,090
Derivative financial assets	—		3,032		—		3,032
Derivative financial liabilities	—		3,042		—		3,042


	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

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

March 31, 2026

Fair Value

Valuation Technique

Unobservable Inputs

Range
(Weighted Average)

Mortgage servicing rights

20,090

Discounted cash flows

Constant pre-payment rates (CPR)

4.8% to 94.3% (7.9%)

Discount rate

9.0% to 12.6% (9.6%)

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%)

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 March 31, 2026 and December 31, 2025 by level within the fair value hierarchy:


	March 31, 2026
(dollars in thousands)	Level 1 Inputs		Level 2 Inputs		Level 3 Inputs		Total Fair Value

Loans held for sale	$	—	$	3,247	$	—	$	3,247
Collateral-dependent loans	—		—		28,678		28,678
Bank premises held for sale	—		—		337		337
Foreclosed assets	—		—		1,149		1,149


	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

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

March 31, 2026

Fair Value

Valuation
Technique

Unobservable Inputs

Range
(Weighted Average)

Collateral-dependent loans

28,678

Appraisal of collateral

Appraisal adjustments

Not meaningful

Bank premises held for sale

337

Appraisal

Appraisal adjustments

7% (7%)

Foreclosed assets

1,149

Appraisal

Appraisal adjustments

7% (7%)

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%)

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	March 31, 2026				December 31, 2025
		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value

Financial assets:
Cash and cash equivalents	Level 1	$	287,653	$	287,653	$	122,269	$	122,269
Debt securities held-to-maturity	Level 2	453,850		420,524		458,746		426,799
Restricted stock	Level 3	6,000		6,000		4,979		4,979
Loans, net	Level 3	4,626,477		4,589,644		3,414,519		3,379,845
Investments in unconsolidated subsidiaries	Level 3	1,614		1,614		1,614		1,614
Accrued interest receivable	Level 2	35,313		35,313		23,779		23,779

Financial liabilities:
Time deposits	Level 3	1,265,669		1,260,717		762,487		759,589

Securities sold under agreements to repurchase	Level 2	5,046		5,046		—		—
FHLB advances	Level 3	12,332		11,513		12,301		11,465
Subordinated notes	Level 3	84,003		85,232		—		—
Junior subordinated debentures	Level 3	52,924		51,740		52,909		51,696
Accrued interest payable	Level 2	8,394		8,394		3,813		3,813

The Company estimated the fair value of lending related commitments as described in Note 16 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

DERIVATIVE FINANCIAL INSTRUMENTS- Schedule of Risk Participation Agreement (Details) $ in Thousands	Mar. 31, 2026 USD ($) agreement	Dec. 31, 2025 USD ($) agreement
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of risk participation agreements \| agreement	1	1
Notional amount	$ 5,255	$ 5,268
Fair value	$ (10)	$ (10)

COMMITMENTS AND CONTINGENCIES

3 Months Ended

Mar. 31, 2026

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)	March 31, 2026		December 31, 2025

Commitments to extend credit	$	1,108,345	$	855,014
Standby letters of credit	35,500		29,727

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 $5.9 million and $4.1 million as of March 31, 2026 and December 31, 2025, respectively. The following table sets forth the provision for credit losses on unfunded lending-related commitments for the periods indicated:


	Three Months Ended March 31,
(dollars in thousands)	2026	2025

Provision for credit losses on unfunded lending-related commitments	259	825

Legal Contingencies

Various legal claims arise from time to time in the normal course of business which, in the opinion of management, will have no material effect on the Company's consolidated financial statements.

LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans by Category Based on Current Payment and Accrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 4,686,951	$ 3,456,209
Total Nonaccrual	13,229	7,556
Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	4,666,926	3,441,646
30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	6,796	7,007
90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	0	0
Commercial and industrial
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	528,301	399,760
Total Nonaccrual	1,505	1,187
Commercial and industrial \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	525,532	397,254
Commercial and industrial \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,264	1,319
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	519,847	320,434
Total Nonaccrual	2,216	1,765
Commercial real estate - owner occupied \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	517,109	318,094
Commercial real estate - owner occupied \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	522	575
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	1,099,784	937,094
Total Nonaccrual	156	0
Commercial real estate - non-owner occupied \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,098,193	934,230
Commercial real estate - non-owner occupied \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,435	2,864
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	425,335	280,254
Total Nonaccrual	1,000	0
Construction and land development \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	424,236	279,980
Construction and land development \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	99	274
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	638,653	544,941
Total Nonaccrual	62	0
Multi-family \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	638,478	544,941
Multi-family \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	113	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	614,563	445,463
Total Nonaccrual	7,330	3,434
One-to-four family residential \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	605,555	440,247
One-to-four family residential \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,678	1,782
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	596,294	275,251
Total Nonaccrual	928	1,165
Agricultural and farmland \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	593,964	274,086
Agricultural and farmland \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	1,402	0
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	264,174	253,012
Total Nonaccrual	32	5
Municipal, consumer, and other \| Current
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	263,859	252,814
Municipal, consumer, and other \| 30 - 89 Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	283	193
Municipal, consumer, and other \| 90+ Days Past Due
LOANS AND THE ALLOWANCE FOR LOAN LOSSES
Loans, before allowance for credit losses	$ 0	$ 0

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	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
DERIVATIVE FINANCIAL INSTRUMENTS
Gross gains	$ 478	$ 1,649
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Gross losses	$ (478)	$ (1,649)
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Net gains (losses)	$ 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

+ Details

SUBORDINATED NOTES - Schedule of Face Value Carrying Value of Subordinated Notes (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 11, 2026	Dec. 31, 2025
SUBORDINATED NOTES
Subordinated notes, at carrying value	$ 84,003		$ 0
Subordinated notes
SUBORDINATED NOTES
Subordinated notes, at face value	85,000	$ 85,000	0
Unamortized issuance costs	(997)		0
Subordinated notes, at carrying value	$ 84,003		$ 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

+ Details

SECURITIES - Schedule of the Initial Cost and Carrying Value of Equity Securities with Cumulative Net Unrealized Gains and (Losses) (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Readily Determinable Fair Value
Initial cost	$ 3,269	$ 3,124
Cumulative net unrealized gains (losses)	86	198
Carrying value	3,355	3,322
No Readily Determinable Fair Value
Initial cost	6,764	2,981
Cumulative net unrealized gains (losses)	(369)	(369)
Carrying value	$ 6,395	$ 2,612

- Definition

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

+ References

+ Details

ACCOUNTING POLICIES (Policies)	3 Months Ended
ACCOUNTING POLICIES (Policies)	Mar. 31, 2026
Accounting Policies [Abstract]
Basis of Consolidation	Basis of Presentation 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, eastern Iowa, and suburban St. Louis. Additionally, the Company is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies. The unaudited consolidated financial statements, including the notes thereto, have been prepared in accordance with accounting principles generally accepted in the U.S. (“GAAP”) interim reporting requirements. Certain information in footnote disclosures normally included in financial statements prepared in accordance with GAAP has been condensed or omitted pursuant to rules and regulations of the SEC. These interim unaudited consolidated financial statements and notes thereto should be read in conjunction with the Company’s audited consolidated financial statements and accompanying notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on March 6, 2026. The unaudited consolidated financial statements include all normal, recurring adjustments necessary for a fair presentation of the results for the interim periods. The results for interim periods are not necessarily indicative of results for a full year.
Use of Estimates	Use of Estimates The accompanying consolidated financial statements have been prepared in conformity with GAAP. 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 and fair value of assets acquired and liabilities assumed in business combinations.
Reclassifications	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	Subsequent Events In preparing these consolidated financial statements, the Company has evaluated events and transactions for potential recognition or disclosure through the date the financial statements were issued.
Impact of Recent Adopted Accounting Standards and Recent Accounting Pronouncements	Impact of Recently Adopted Accounting Standards On January 1, 2026, the Company adopted Accounting Standards Update ("ASU") 2025-08, Financial Instruments - Credit Losses (Topic 326): Purchased Loans, which 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. This standard is applied on a prospective basis and eliminates the day 1 provision for credit losses which prior to adoption of ASU 2025-08 would have been recognized on eligible purchased loans, including the non-PCD loans acquired from CNB Bank Shares, Inc. ("CNB"). 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 2025-09, 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.
Fair Value of Financial Instruments	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 an 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. 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. 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.

- Definition

Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478671/942-235-S50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(b)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-12

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-9

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482836/275-10-55-6

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-6

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-4

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-SubTopic 10
-Topic 275
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)
-SubTopic 10
-Topic 275
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-1

+ Details

STOCK-BASED COMPENSATION PLANS - Schedule of Restricted Stock Unit Activity (Details) - Restricted stock units - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Stock-based compensation plans
Outstanding (in shares)	94,947	108,603
Granted (in shares)	61,428	43,397
Vested (in shares)	(52,225)	(56,922)
Forfeited (in shares)	0	(131)
Outstanding (in shares)	104,150	94,947
Weighted Average Grant Date Fair Value
Outstanding (in dollars per share)	$ 22.20	$ 19.71
Granted (in dollars per share)	27.02	25.00
Vested (in dollars per share)	21.74	19.59
Forfeited (in dollars per share)	0	19.06
Outstanding (in dollars per share)	$ 25.28	$ 22.20