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REGULATORY MATTERS (Tables)

12 Months Ended

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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- References

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- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958577-112826

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=117337116&loc=d3e65071-112826

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958570-112826

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