Risk factors
HBT Financial (HBT) risk factors
Item 1A of every HBT Financial, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors51 risks3 new4 dropped10 reworded
Added focus on technological disruption, generative AI risks, and digital asset disintermediation. Labor costs and retention risks expanded for remote work. Voting trust ownership stake updated to 54.8%.
Filed Mar 06, 2026 - FY2024 10-K risk factors52 risks
Heartland Bancorp Voting Trust controls 54.5% of common stock, creating potential conflicts of interest for other shareholders. Operations are heavily exposed to economic and agricultural conditions in Illinois and Iowa. Extensive federal and state banking regulations impose strict compliance and capital adequacy requirements.
Filed Mar 07, 2025