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REGULATORY MATTERS (Tables) | 12 Months Ended
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Dec. 31, 2019
REGULATORY MATTERS |
Schedule of the Company's and the bank subsidiaries' actual and required capital amounts and ratios |
|  | Actual |  | For Capital Adequacy Purposes |  | To Be Well Capitalized Under Prompt Corrective Action Provisions |
December 31, 2019 |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
|  |  | (dollars in thousands) |
Total Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 356,994 |  | 14.54 | % | $ | 196,358 |  | 8.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 315,516 |  | 14.02 |  |  | 180,071 |  | 8.00 |  | $ | 225,088 |  | 10.00 | %
State Bank of Lincoln |  |  | 35,390 |  | 17.58 |  |  | 16,104 |  | 8.00 |  |  | 20,130 |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 334,695 |  | 13.64 | % | $ | 147,268 |  | 6.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 295,385 |  | 13.12 |  |  | 135,053 |  | 6.00 |  | $ | 180,071 |  | 8.00 | %
State Bank of Lincoln |  |  | 33,222 |  | 16.50 |  |  | 12,078 |  | 6.00 |  |  | 16,104 |  | 8.00 |
Common Equity Tier 1 Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 298,277 |  | 12.15 | % | $ | 110,451 |  | 4.50 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 295,385 |  | 13.12 |  |  | 101,290 |  | 4.50 |  | $ | 146,307 |  | 6.50 | %
State Bank of Lincoln |  |  | 33,222 |  | 16.50 |  |  | 9,058 |  | 4.50 |  |  | 13,084 |  | 6.50 |
Tier 1 Capital (to Average Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 334,695 |  | 10.38 | % | $ | 129,027 |  | 4.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 295,385 |  | 10.25 |  |  | 115,281 |  | 4.00 |  | $ | 144,102 |  | 5.00 | %
State Bank of Lincoln |  |  | 33,222 |  | 9.82 |  |  | 13,531 |  | 4.00 |  |  | 16,914 |  | 5.00 |
|  | Actual |  | For Capital Adequacy Purposes |  | To Be Well Capitalized Under Prompt Corrective Action Provisions |
December 31, 2018 |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
|  |  | (dollars in thousands) |
Total Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 372,472 |  | 14.99 | % | $ | 198,730 |  | 8.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 332,391 |  | 14.44 |  |  | 184,127 |  | 8.00 |  | $ | 230,159 |  | 10.00 | %
State Bank of Lincoln |  |  | 38,059 |  | 21.02 |  |  | 14,488 |  | 8.00 |  |  | 18,110 |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 351,963 |  | 14.17 | % | $ | 149,047 |  | 6.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 313,406 |  | 13.62 |  |  | 138,095 |  | 6.00 |  | $ | 184,127 |  | 8.00 | %
State Bank of Lincoln |  |  | 36,535 |  | 20.17 |  |  | 10,866 |  | 6.00 |  |  | 14,488 |  | 8.00 |
Common Equity Tier 1 Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 315,611 |  | 12.71 | % | $ | 111,785 |  | 4.50 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 313,406 |  | 13.62 |  |  | 103,572 |  | 4.50 |  | $ | 149,603 |  | 6.50 | %
State Bank of Lincoln |  |  | 36,535 |  | 20.17 |  |  | 8,150 |  | 4.50 |  |  | 11,772 |  | 6.50 |
Tier 1 Capital (to Average Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 351,963 |  | 10.80 | % | $ | 130,393 |  | 4.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 313,406 |  | 11.03 |  |  | 113,668 |  | 4.00 |  | $ | 142,085 |  | 5.00 | %
State Bank of Lincoln |  |  | 36,535 |  | 10.21 |  |  | 14,319 |  | 4.00 |  |  | 17,899 |  | 5.00 |

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