XML 35 R19.htm IDEA: XBRL DOCUMENT v3.25.1
REGULATORY CAPITAL
 3 Months Ended
Mar. 31, 2025
Banking and Thrift, Other Disclosure [Abstract]  
REGULATORY CAPITAL REGULATORY CAPITAL
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. The capital conservation buffer is 2.5% of risk-weighted assets.
As of March 31, 2025 and December 31, 2024, 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 were as follows:
March 31, 2025
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)$666,223 16.85 %$316,382 8.00 %N/AN/A
Tier 1 Capital (to Risk Weighted Assets)584,169 14.77 237,287 6.00 N/AN/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)532,919 13.48 177,965 4.50 N/AN/A
Tier 1 Capital (to Average Assets)584,169 11.64 200,694 4.00 N/AN/A
Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)$650,411 16.46 %$316,147 8.00 %$395,183 10.00 %
Tier 1 Capital (to Risk Weighted Assets)607,930 15.38 237,110 6.00 316,147 8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets)607,930 15.38 177,832 4.50 256,869 6.50 
Tier 1 Capital (to Average Assets)607,930 12.12 200,557 4.00 250,696 5.00 
December 31, 2024
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)$652,563 16.51 %$316,145 8.00 %N/AN/A
Tier 1 Capital (to Risk Weighted Assets)573,203 14.50 237,109 6.00 N/AN/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)521,968 13.21 177,831 4.50 N/AN/A
Tier 1 Capital (to Average Assets)573,203 11.51 199,167 4.00 N/AN/A
Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)$635,878 16.11 %$315,825 8.00 %$394,781 10.00 %
Tier 1 Capital (to Risk Weighted Assets)596,071 15.10 236,869 6.00 315,825 8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets)596,071 15.10 177,651 4.50 256,608 6.50 
Tier 1 Capital (to Average Assets)596,071 11.98 199,030 4.00 248,787 5.00