HBT Financial, Inc. is a bank holding company headquartered in McKinney, Texas, serving as the parent organization for Heritage Bank of Commerce. Through its subsidiary, the company offers a full suite of commercial and retail banking services tailored to the needs of small and mid-sized businesses, professionals, and individual consumers. Its mission centers on delivering personalized financial solutions and fostering long-term relationships within the communities it serves.
The company’s core business activities include traditional deposit products—such as checking, savings, and money market accounts—and a broad spectrum of lending services. These lending offerings encompass commercial real estate loans, construction financing, equipment leasing, agricultural credits, and consumer mortgage loans. HBT Financial also provides treasury and cash management services designed to optimize liquidity and streamline payment processes for business clients.
In addition to its commercial banking platform, HBT Financial offers wealth management and trust services through its affiliated trust department. Clients can access investment advisory services, estate planning, retirement account management, and fiduciary administration. These complementary services enable the company to address the financial needs of high-net-worth individuals and families, as well as the succession planning requirements of closely held businesses.
Founded in 2000, HBT Financial has grown steadily through organic expansion and community engagement, establishing a network of branch offices across the North Texas region. Its leadership team comprises seasoned banking professionals with deep roots in local markets, supported by a board of directors committed to sound corporate governance. Under this stewardship, the company emphasizes prudent risk management, technology investments, and a customer-centric approach to drive sustainable growth.
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