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v3.20.1

REGULATORY MATTERS (Tables) | 3 Months Ended
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Mar. 31, 2020
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 |
March 31, 2020 |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
|  |  | (dollars in thousands) |
Total Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 363,205 |  | 15.03 | % | $ | 193,326 |  | 8.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 322,026 |  | 14.54 |  |  | 177,196 |  | 8.00 |  | $ | 221,495 |  | 10.00 | %
State Bank of Lincoln |  |  | 35,356 |  | 17.74 |  |  | 15,944 |  | 8.00 |  |  | 19,930 |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 337,118 |  | 13.95 | % | $ | 144,995 |  | 6.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 298,547 |  | 13.48 |  |  | 132,897 |  | 6.00 |  | $ | 177,196 |  | 8.00 | %
State Bank of Lincoln |  |  | 32,863 |  | 16.49 |  |  | 11,958 |  | 6.00 |  |  | 15,944 |  | 8.00 |
Common Equity Tier 1 Capital (to Risk Weighted Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 300,684 |  | 12.44 | % | $ | 108,746 |  | 4.50 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 298,547 |  | 13.48 |  |  | 99,673 |  | 4.50 |  | $ | 143,972 |  | 6.50 | %
State Bank of Lincoln |  |  | 32,863 |  | 16.49 |  |  | 8,969 |  | 4.50 |  |  | 12,955 |  | 6.50 |
Tier 1 Capital (to Average Assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated HBT Financial, Inc. |  | $ | 337,118 |  | 10.70 | % | $ | 125,991 |  | 4.00 | % |  | N/A |  | N/A |
Heartland Bank |  |  | 298,547 |  | 10.55 |  |  | 113,149 |  | 4.00 |  | $ | 141,436 |  | 5.00 | %
State Bank of Lincoln |  |  | 32,863 |  | 10.32 |  |  | 12,735 |  | 4.00 |  |  | 15,919 |  | 5.00 |
|  | 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 |

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