HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal entities, providing retail, commercial, and business banking solutions. Their deposit offerings encompass a variety of options, such as non-interest and interest-bearing demand accounts, money market accounts, savings accounts, certificates of deposit (CDs), health savings accounts (HSAs), and individual retirement accounts (IRAs).