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REGULATORY MATTERS
 9 Months Ended
Sep. 30, 2023
Banking and Thrift, Other Disclosure [Abstract]  
REGULATORY MATTERS REGULATORY MATTERS
The Company (on a consolidated basis) and the Bank are each subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by the regulators that, if undertaken, could have a direct material effect on the consolidated financial statements of the Company and the Bank. Additionally, the ability of the Company to pay dividends to its stockholders is dependent upon the ability of the Bank to pay dividends to the Company.
Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. As allowed under the regulations, the Company and the Bank elected to exclude accumulated other comprehensive income, including unrealized gains and losses on debt securities, in the computation of regulatory capital. Prompt corrective action provisions are not applicable to bank holding companies.
Additionally, the Company and the Bank must maintain a “capital conservation buffer” to avoid becoming subject to restrictions on capital distributions and certain discretionary bonus payments to management. As of September 30, 2023 and December 31, 2022, the capital conservation buffer was 2.5% of risk-weighted assets.
As of September 30, 2023, the Company and the Bank each met all capital adequacy requirements to which they were subject.
The actual and required capital amounts and ratios of the Company (on a consolidated basis) and the Bank are as follows:
September 30, 2023
ActualFor Capital
Adequacy
Purposes		To Be Well
Capitalized Under
Prompt Corrective
Action Provisions
(dollars in thousands)AmountRatio AmountRatio AmountRatio
Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)$590,174 15.09 %$312,868 8.00 %N/AN/A
Tier 1 Capital (to Risk Weighted Assets)515,643 13.18 234,651 6.00 N/AN/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)464,483 11.88 175,988 4.50 N/AN/A
Tier 1 Capital (to Average Assets)515,643 10.34 199,420 4.00 N/AN/A
Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)$577,525 14.78 %$312,537 8.00 %$390,671 10.00 %
Tier 1 Capital (to Risk Weighted Assets)542,448 13.89 234,403 6.00 312,537 8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets)542,448 13.89 175,802 4.50 253,936 6.50 
Tier 1 Capital (to Average Assets)542,448 10.89 199,216 4.00 249,020 5.00 
December 31, 2022
ActualFor Capital
Adequacy
Purposes		To Be Well
Capitalized Under
Prompt Corrective
Action Provisions
(dollars in thousands)AmountRatio AmountRatio AmountRatio
Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)$516,556 16.27 %$254,052 8.00 %N/AN/A
Tier 1 Capital (to Risk Weighted Assets)451,828 14.23 190,539 6.00 N/AN/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)415,213 13.07 142,904 4.50 N/AN/A
Tier 1 Capital (to Average Assets)451,828 10.48 172,427 4.00 N/AN/A
Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)$489,316 15.43 %$253,643 8.00 %$317,054 10.00 %
Tier 1 Capital (to Risk Weighted Assets)463,983 14.63 190,233 6.00 253,643 8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets)463,983 14.63 142,674 4.50 206,085 6.50 
Tier 1 Capital (to Average Assets)463,983 10.78 172,240 4.00 215,300 5.00