# HBT Financial, Inc. (HBT) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from HBT Financial, Inc.'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/HBT/mda/fy2025/): filed 2026-03-06; accession 0000775215-26-000025 (https://www.sec.gov/Archives/edgar/data/775215/000077521526000025/hbt-20251231.htm); latest 10-K
- [FY 2024 MD&A](/company/HBT/mda/fy2024/): filed 2025-03-07; accession 0001628280-25-011264 (https://www.sec.gov/Archives/edgar/data/775215/000162828025011264/hbt-20241231.htm)
- [FY 2023 MD&A](/company/HBT/mda/fy2023/): filed 2024-03-06; accession 0001628280-24-009388 (https://www.sec.gov/Archives/edgar/data/775215/000162828024009388/hbt-20231231.htm)
- [FY 2022 MD&A](/company/HBT/mda/fy2022/): filed 2023-03-08; accession 0001558370-23-003139 (https://www.sec.gov/Archives/edgar/data/775215/000155837023003139/hbt-20221231x10k.htm)
- [FY 2021 MD&A](/company/HBT/mda/fy2021/): filed 2022-03-11; accession 0001558370-22-003421 (https://www.sec.gov/Archives/edgar/data/775215/000155837022003421/hbt-20211231x10k.htm)

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