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REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 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
September 30, 2020		Amount			Ratio		Amount			Ratio		Amount			Ratio
			(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	417,844		16.81	%	$	198,827		8.00	%		N/A		N/A
Heartland Bank			333,344		14.52			183,710		8.00		$	229,638		10.00	%
State Bank of Lincoln			35,955		19.16			15,013		8.00			18,766		10.00
Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	347,552		13.98	%	$	149,120		6.00	%		N/A		N/A
Heartland Bank			304,639		13.27			137,783		6.00		$	183,710		8.00	%
State Bank of Lincoln			33,602		17.91			11,260		6.00			15,013		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	311,085		12.52	%	$	111,840		4.50	%		N/A		N/A
Heartland Bank			304,639		13.27			103,337		4.50		$	149,265		6.50	%
State Bank of Lincoln			33,602		17.91			8,445		4.50			12,198		6.50
Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.		$	347,552		10.04	%	$	138,524		4.00	%		N/A		N/A
Heartland Bank			304,639		9.77			124,701		4.00		$	155,876		5.00	%
State Bank of Lincoln			33,602		9.82			13,691		4.00			17,114		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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- References

No definition available.

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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://www.xbrl.org/2003/role/disclosureRef
-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

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-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

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