Merger Integration CNB Bank & Trust is being acquired by HBT Financial for roughly one hundred seventy million dollars, with close expected in early 2026. This merger creates a sizable need for integration services across eighteen locations in Illinois and Missouri, including core banking system consolidation, data migration, regulatory alignment, risk management, and vendor rationalization.

Wealth Growth The bank maintains a wealth management group and appointed a Chief Investment Officer in 2024, signaling readiness to scale advisory services. This presents opportunities to provide expanded wealth management solutions, outsourced investment operations, trust and retirement planning services, and technology to support portfolio oversight.

Footprint Expansion The expanded regional footprint from the merger offers cross-sell opportunities into commercial banking, treasury management, cash management, and small business lending across the combined network.

Digital Transformation Current technology usage includes marketing and web development tools; there is an opportunity to modernize digital banking, integrate CRM, strengthen cybersecurity, and deploy data analytics to improve customer experiences and regulatory compliance.

Mid-Market Opportunities With a mid-market revenue profile, CNB presents opportunities to deepen treasury, payments, and lending services, including SBA lending and merchant services, to increase wallet share during and after the merger.