<SEC-DOCUMENT>0001104659-19-050137.txt : 20191108
<SEC-HEADER>0001104659-19-050137.hdr.sgml : 20191108
<ACCEPTANCE-DATETIME>20190913161458
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001104659-19-050137
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20190913

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HBT Financial, Inc.
		CENTRAL INDEX KEY:			0000775215
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				371117216
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		401 N. HERSHEY ROAD
		CITY:			BLOOMINGTON
		STATE:			IL
		ZIP:			61702
		BUSINESS PHONE:		(309) 662-4444

	MAIL ADDRESS:	
		STREET 1:		401 N. HERSHEY ROAD
		CITY:			BLOOMINGTON
		STATE:			IL
		ZIP:			61702

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HEARTLAND BANCORP, INC.
		DATE OF NAME CHANGE:	20190624

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HEARTLAND BANCORP
		DATE OF NAME CHANGE:	19850822
</SEC-HEADER>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman"><img width="238" height="33" src="g122294bgi001.gif"></font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Elisabeth   M. Martin</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">To   Call Writer Directly:</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(312)   862-3055</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">elisabeth.martin@kirkland.com</font></p>    </td>
<td width="33%" valign="top" style="padding:0in 0in 0in 0in;width:33.34%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">300   North LaSalle</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Chicago,&nbsp;Illinois   60654</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(312)   862-2000</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">www.kirkland.com</font></p>    </td>
<td width="33%" style="padding:0in 0in 0in 0in;width:33.34%;">
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Facsimile:   <br>   (312) 862-2200</font></p>    </td>   </tr>  </table>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">September&nbsp;13, 2019</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Via EDGAR Submission</font></b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Securities and Exchange Commission</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">100 F Street, N.E.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Washington, D.C. 20549</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="font-size:10.0pt;margin:0in 0in .0001pt 49.7pt;text-indent:-49.7pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Attention:</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Michael Clampitt<br> Christopher Dunham<br> Michael Henderson<br> Cara Lubit</p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="font-size:10.0pt;margin:0in 0in .0001pt 74.9pt;text-indent:-.35in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Re:</font></b><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><b>HBT Financial,&nbsp;Inc. (f/k/a Heartland Bancorp,&nbsp;Inc.)</b><br>  <b>Amendment No.&nbsp;1 to Draft Registration Statement on Form&nbsp;S-1<br> Confidentially Submitted on August&nbsp;15, 2019</b><br>  <b>CIK No.&nbsp;0000775215</b></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Ladies and Gentlemen:</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pursuant to the requirements of the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), and Regulation S-T thereunder, HBT Financial Inc. (f/k/a Heartland Bancorp,&nbsp;Inc.), a Delaware corporation (the &#147;Company&#148;), has today filed with the Securities and Exchange Commission (the &#147;SEC&#148;) a Registration Statement on Form&nbsp;S-1 (the &#147;Registration Statement&#148;).&#160; On behalf of the Company, we are writing to respond to comments provided orally by the Staff of the SEC (the &#147;Staff&#148;) on August&nbsp;23, 2019 and August&nbsp;28, 2019, regarding Amendment No.&nbsp;1 to the Confidential Draft Registration Statement on Form&nbsp;S-1 submitted to the SEC on August&nbsp;15, 2019 (the &#147;Confidential Amendment No.&nbsp;1&#148;).&#160; For your convenience, electronic copies of the Registration Statement will be emailed to the Staff, and those copies will be marked to show changes from the Confidential Amendment No.&nbsp;1.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">In response to the Staff&#146;s oral comment received on August&nbsp;23, 2019, the Company has revised the fourth sentence under &#147;Company Overview&#148; on pages&nbsp;1 and 113 and the fourth sentence under &#147;Overview&#148; on page&nbsp;64 of the Prospectus to clarify that its core markets are in Central Illinois as follows: &#147;We currently operate 61 full-service and three limited-service branch locations, and have a leading deposit share, which we define as a top three deposit share rank, in</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Beijing&#160;&#160;&#160; Boston&#160;&#160;&#160; Dallas&#160;&#160;&#160; Hong Kong&#160;&#160;&#160; Houston&#160;&#160;&#160; London&#160;&#160;&#160; Los Angeles&#160;&#160;&#160; Munich&#160;&#160;&#160; New York&#160;&#160;&#160; Palo Alto&#160;&#160;&#160; Paris&#160;&#160;&#160; San Francisco&#160;&#160;&#160; Shanghai&#160;&#160;&#160;&#160; Washington, D.C.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">the majority of our core markets in Central Illinois that we attribute to our long track record of providing relationship-based and personalized service to our customers and communities.&#148;</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pursuant to the conversation with members of the Staff on August&nbsp;28, 2019, the Company has added (i)&nbsp;pro forma tax and EPS data to the face of the historical statements of income for the latest fiscal year and interim period to give effect to the Company&#146;s planned conversion to a Sub-Chapter C Corporation in accordance with Section&nbsp;3410.1 of the Division of Corporation Finance Financial Reporting Manual (the &#147;Financial Reporting Manual&#148;) and the dilutive impact to EPS of the Company&#146;s planned distribution to stockholders, to the extent such distribution is deemed to be payable from the offering proceeds in accordance with Section&nbsp;3420.2 of the Financial Reporting Manual, and (ii)&nbsp;a pro forma balance sheet as of June&nbsp;30, 2019 which gives effect to the accrual for the planned distribution (without giving effect to the offering proceeds), in accordance with Section&nbsp;3420.1 of the Financial Reporting Manual.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">In addition, in response to Comment #1 in the letter from the Staff to the Company, dated July&nbsp;29, 2019, regarding the initial Confidential Draft Registration Statement on Form&nbsp;S-1 submitted to the SEC on July&nbsp;2, 2019, the Company is supplementally providing the Staff, under separate cover, copies of written communications, as defined in Rule&nbsp;405 under the Securities Act of 1933, as amended, that have been presented to date by the Company, or individuals authorized to act on the Company&#146;s behalf, to potential investors in reliance on Section&nbsp;5(d)&nbsp;of the Securities Act.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">In addition to responding to the foregoing comments, the Company has revised the Prospectus to revise all per-share information to reflect the twenty-for-one stock split effected on September&nbsp;13, 2019, and to update certain other disclosures.</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">*&nbsp;&nbsp;&nbsp;*&nbsp;&nbsp;&nbsp;*&nbsp;&nbsp;&nbsp;*</font></p>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">We hope that the foregoing has been responsive to the Staff&#146;s comments.&#160; Should you have any questions relating to any of the foregoing, please feel free to contact the undersigned at (312) 862-3055 or James S. Rowe at (312) 862-2191.</font></p>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Sincerely,</font></p>    </td>   </tr>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">/s/   Elisabeth M. Martin</font></p>    </td>   </tr>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Elisabeth   M. Martin</font></p>    </td>   </tr>  </table>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">cc:</font></p>    </td>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">J. Lance   Carter</font></p>    </td>   </tr>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:1.0pt;">&nbsp;</font></p>    </td>
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">HBT   Financial,&nbsp;Inc. (f/k/a Heartland Bancorp,&nbsp;Inc.)</font></p>    </td>   </tr>  </table>
<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>
<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">2<a name="PB_2_064122_4861"></a></p>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
