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REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 2023

Banking and Thrift, Other Disclosure [Abstract]

Schedule of the Company's and the bank subsidiaries' actual and required capital amounts and ratios

The actual and required capital amounts and ratios of the Company (on a consolidated basis) and the Bank are as follows:


						September 30, 2023
						Actual												For Capital Adequacy Purposes												To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)						Amount						Ratio						Amount						Ratio						Amount						Ratio

Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)						$	590,174					15.09		%				$	312,868					8.00		%				N/A						N/A
Tier 1 Capital (to Risk Weighted Assets)						515,643						13.18						234,651						6.00						N/A						N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)						464,483						11.88						175,988						4.50						N/A						N/A
Tier 1 Capital (to Average Assets)						515,643						10.34						199,420						4.00						N/A						N/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
						Actual												For Capital Adequacy Purposes												To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)						Amount						Ratio						Amount						Ratio						Amount						Ratio

Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)						$	516,556					16.27		%				$	254,052					8.00		%				N/A						N/A
Tier 1 Capital (to Risk Weighted Assets)						451,828						14.23						190,539						6.00						N/A						N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)						415,213						13.07						142,904						4.50						N/A						N/A
Tier 1 Capital (to Average Assets)						451,828						10.48						172,427						4.00						N/A						N/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