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REGULATORY CAPITAL (Tables)

3 Months Ended

Mar. 31, 2025

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 were as follows:


						March 31, 2025
						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)						$	666,223					16.85		%				$	316,382					8.00		%				N/A						N/A
Tier 1 Capital (to Risk Weighted Assets)						584,169						14.77						237,287						6.00						N/A						N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)						532,919						13.48						177,965						4.50						N/A						N/A
Tier 1 Capital (to Average Assets)						584,169						11.64						200,694						4.00						N/A						N/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
						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)						$	652,563					16.51		%				$	316,145					8.00		%				N/A						N/A
Tier 1 Capital (to Risk Weighted Assets)						573,203						14.50						237,109						6.00						N/A						N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)						521,968						13.21						177,831						4.50						N/A						N/A
Tier 1 Capital (to Average Assets)						573,203						11.51						199,167						4.00						N/A						N/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