<SEC-DOCUMENT>0001628280-24-023726.txt : 20240627
<SEC-HEADER>0001628280-24-023726.hdr.sgml : 20240627
<ACCEPTANCE-DATETIME>20240516115228
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001628280-24-023726
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240516

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HBT Financial, Inc.
		CENTRAL INDEX KEY:			0000775215
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		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>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>1
<FILENAME>filename1.htm
<TEXT>
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<!-- Document created using Wdesk -->
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<title>Document</title></head><body><div id="i2c44ae3277024280a8522cd40599e04d_35"></div><div style="min-height:45pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt"><img alt="hbt-logo.jpg" src="hbt-logo.jpg" style="height:96px;margin-bottom:5pt;vertical-align:text-bottom;width:220px"></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">May 16, 2024</font></div><div style="margin-top:24pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">VIA EDGAR</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">U.S. Securities and Exchange Commission</font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Division of Corporation Finance</font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Office of Finance</font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">100 F Street, N.E.</font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Washington, D.C. 20549</font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Attention&#58; Sarmad Makhdoom and Cara Lubit</font></div><div style="margin-top:12pt;padding-left:63pt;text-indent:-27pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">RE&#58;&#160;&#160;&#160;&#160;HBT Financial, Inc.</font></div><div style="padding-left:63pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Form 10-K for the Fiscal Year Ended December 31, 2023</font></div><div style="padding-left:63pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">File No. 001-39085</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dear Mr. Makhdoom and Ms. Lubit&#58;</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are in receipt of your letter from the staff (the &#8220;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Staff</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) of the Securities and Exchange Commission (the &#8220;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Commission</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), dated May 3, 2024 (the &#8220;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Comment Letter</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), to Mr. Peter Chapman, Executive Vice President and Chief Financial Officer of HBT Financial, Inc. (the &#8220;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), with respect to the Company&#8217;s Form 10-K for the Fiscal Year Ended December 31, 2023, and hereby submit the following responses to the comments contained in such Comment Letter. For the convenience of the Staff&#8217;s review, we have set forth the comments contained in the Comment Letter in bold italics followed by the Company&#8217;s responses.</font></div><div id="i2c44ae3277024280a8522cd40599e04d_49"></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Form 10-K for the Fiscal Year Ended December 31, 2023</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Item 1. Business</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Concentrations in Commercial Real Estate, page 17</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">1.&#160;&#160;&#160;&#160;We note your disclosures regarding risk management practices related to commercial real estate lending. Please revise future filings, here or elsewhere as appropriate, to describe specific details of any key risk management policies, procedures, or other actions undertaken by management in response to the current environment.</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company Response&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Company acknowledges the Staff's comment and confirms that it will revise its disclosures in future filings as requested, including discussion of key risk management policies, procedures, or other actions undertaken by management in response to the current commercial real estate (&#8220;CRE&#8221;) environment.</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1</font></div></div></div><div id="i2c44ae3277024280a8522cd40599e04d_549755813999"></div><hr style="page-break-after:always"><div style="min-height:45pt;width:100%"><div><font><br></font></div></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations Loan Portfolio, page 56</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">2.&#160;&#160;&#160;&#160;We note the tabular disclosure on page 56 detailing the composition of your gross loan portfolio, which includes commercial real estate (&#8220;CRE&#8221;) disaggregated by owner and non-owner occupied loans. Given the significance of CRE to your total loan portfolio, please revise your disclosures in future filings to further disaggregate owner and nonowner occupied CRE loan composition by separately presenting the components of the portfolio by key borrower type (e.g., by office, retail, multi-family, etc.). This could be similar to, but not necessarily identical to, detail you provide in Exhibit 99.2 of your 8-K dated April 22, 2024. In addition, to the extent that there are other characteristics (e.g., current weighted average and&#47;or range of loan-to-value ratios, occupancy rates, etc.) material to an investor&#8217;s understanding of your CRE loan portfolio, include those details in future filings.</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company Response&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Company acknowledges the Staff's comment and confirms that it will revise its disclosures in future filings as requested, including presenting the components of our owner and nonowner occupied CRE loans by key borrower type as well as other characteristics material to an investor&#8217;s understanding of our CRE loan portfolio.</font></div><div id="i2c44ae3277024280a8522cd40599e04d_74"></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Liquidity, page 63</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">3.&#160;&#160;&#160;&#160;We note your disclosures regarding liquidity. In future filings, please enhance your disclosures, here or elsewhere as appropriate, to present holistic tabular disclosure of your available liquidity sources, including total borrowing capacity, borrowings outstanding, and other sources of liquidity (cash, securities, etc.) to arrive at total available liquidity.</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company Response&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Company acknowledges the Staff's comment and confirms that it will revise its disclosures in future filings as requested, including a tabular disclosure of our available liquidity sources, including total borrowing capacity, borrowings outstanding, and other sources of liquidity to arrive at total available liquidity.</font></div><div id="i2c44ae3277024280a8522cd40599e04d_86"></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">4.&#160;&#160;&#160;&#160;We note your disclosure of deposit beta on slide 23 of Exhibit 99.2 in your 8-K dated April 22, 2024. To the extent that deposit beta is monitored and used by management, please revise future filings such as 10-Qs and 10-Ks to incorporate disclosures regarding deposit beta and how you calculate it, either here or in an appropriate location.</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company Response&#58;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Company acknowledges the Staff's comment and confirms that it will revise its disclosures in future filings as requested, including disclosures regarding deposit beta and how we calculate it.</font></div><div id="i2c44ae3277024280a8522cd40599e04d_98"></div><div style="margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">* * * * *</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company believes the foregoing provides a complete response to the Comment Letter. Please contact me directly at (309) 664-4556 if you have any questions or require any additional information.</font></div><div style="margin-top:24pt;padding-left:144pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Very truly yours,</font></div><div style="margin-top:12pt;padding-left:144pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">HBT Financial, Inc.</font></div><div style="margin-top:12pt;padding-left:144pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">&#47;s&#47; Peter R. Chapman&#160;&#160;&#160;&#160;</font></div><div style="padding-left:144pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Peter R. Chapman</font></div><div style="padding-left:144pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Executive Vice President and Chief Financial Officer</font></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2</font></div></div></div></body></html>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
