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REGULATORY CAPITAL (Tables)

12 Months Ended

Dec. 31, 2021

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, 2021		Amount			Ratio		Amount			Ratio		Amount			Ratio

			(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	479,320		16.88	%	$	227,115		8.00	%		N/A		N/A
Heartland Bank and Trust Company			452,162		15.94			226,950		8.00		$	283,688		10.00	%

Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	416,068		14.66	%	$	170,336		6.00	%		N/A		N/A
Heartland Bank and Trust Company			428,226		15.09			170,213		6.00		$	226,950		8.00	%

Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	379,519		13.37	%	$	127,752		4.50	%		N/A		N/A
Heartland Bank and Trust Company			428,226		15.09			127,659		4.50		$	184,397		6.50	%

Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.		$	416,068		9.84	%	$	169,171		4.00	%		N/A		N/A
Heartland Bank and Trust Company			428,226		10.13			169,070		4.00		$	211,337		5.00	%


		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 and Trust Company			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 and Trust Company			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 and Trust Company			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 and Trust Company			351,904		9.82			143,296		4.00		$	179,120		5.00	%