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REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 2023

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, 2023		Amount			Ratio		Amount			Ratio		Amount			Ratio

			(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	575,030		15.03	%	$	306,067		8.00	%		N/A		N/A
Heartland Bank and Trust Company			566,196		14.82			305,541		8.00		$	381,926		10.00	%

Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	501,898		13.12	%	$	229,551		6.00	%		N/A		N/A
Heartland Bank and Trust Company			532,499		13.94			229,156		6.00		$	305,541		8.00	%

Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	450,752		11.78	%	$	172,163		4.50	%		N/A		N/A
Heartland Bank and Trust Company			532,499		13.94			171,867		4.50		$	248,252		6.50	%

Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.		$	501,898		10.07	%	$	199,442		4.00	%		N/A		N/A
Heartland Bank and Trust Company			532,499		10.69			199,201		4.00		$	249,001		5.00	%


		Actual					For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
December 31, 2022		Amount			Ratio		Amount			Ratio		Amount			Ratio

			(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	516,556		16.27	%	$	254,052		8.00	%		N/A		N/A
Heartland Bank and Trust Company			489,316		15.43			253,643		8.00		$	317,054		10.00	%

Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	451,828		14.23	%	$	190,539		6.00	%		N/A		N/A
Heartland Bank and Trust Company			463,983		14.63			190,233		6.00		$	253,643		8.00	%

Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.		$	415,213		13.07	%	$	142,904		4.50	%		N/A		N/A
Heartland Bank and Trust Company			463,983		14.63			142,674		4.50		$	206,085		6.50	%

Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.		$	451,828		10.48	%	$	172,427		4.00	%		N/A		N/A
Heartland Bank and Trust Company			463,983		10.78			172,240		4.00		$	215,300		5.00	%