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REGULATORY CAPITAL (Tables)
 12 Months Ended
Dec. 31, 2020
REGULATORY CAPITAL  
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, 2020

    

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

 

 

 

 

(dollars in thousands)

 

Total Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

426,283

 
17.40

%  

$

195,970

 

8.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

 

382,511

 
15.63

 

 

195,787

 

8.00

 

$

244,733

 

10.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

356,410

 
14.55

%  

$

146,977

 

6.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

 

351,904

 
14.38

 

 

146,840

 

6.00

 

$

195,787

 

8.00

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Common Equity Tier 1 Capital (to Risk Weighted Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

319,927

 
13.06

%  

$

110,233

 

4.50

%  

 

N/A

 

N/A

 

Heartland Bank

 

 

351,904

 
14.38

 

 

110,130

 

4.50

 

$

159,077

 

6.50

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 Capital (to Average Assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated HBT Financial, Inc.

 

$

356,410

 
9.94

%  

$

143,454

 

4.00

%  

 

N/A

 

N/A

 

Heartland Bank

 

 

351,904

 
9.82

 

 

143,296

 

4.00

 

$

179,120

 

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