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REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 2022

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
June 30, 2022		Amount			Ratio		Amount			Ratio		Amount			Ratio

			(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	496,810		16.76	%	$	237,210		8.00	%		N/A		N/A
Heartland Bank and Trust Company			472,112		15.93			237,035		8.00		$	296,294		10.00	%

Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	432,720		14.59	%	$	177,908		6.00	%		N/A		N/A
Heartland Bank and Trust Company			447,378		15.10			177,777		6.00		$	237,035		8.00	%

Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	396,138		13.36	%	$	133,431		4.50	%		N/A		N/A
Heartland Bank and Trust Company			447,378		15.10			133,332		4.50		$	192,591		6.50	%

Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.		$	432,720		10.05	%	$	172,307		4.00	%		N/A		N/A
Heartland Bank and Trust Company			447,378		10.39			172,215		4.00		$	215,269		5.00	%


		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	%