HBT Financial (formerly known as Heartland Bancorp) is a financial holding company operating through its subsidiaries Heartland Bank and Trust Company and State Bank of Lincoln. Heartland Bank and Trust is a banking company that offers traditional bank deposit account services, checking, and savings. The company provides banking and wealth management solutions for both commercial and small businesses. The company also offers housing lending services, personal deposit services, such as checking accounts, order checks, savings accounts, debit cards, online banking and bill pay services, asset management, and trust services.