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REGULATORY CAPITAL (Tables)

6 Months Ended

Jun. 30, 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:

						June 30, 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)						$	676,431					17.74		%				$	305,007					8.00		%				N/A						N/A
Tier 1 Capital (to Risk Weighted Assets)						594,826						15.60						228,755						6.00						N/A						N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)						543,561						14.26						171,567						4.50						N/A						N/A
Tier 1 Capital (to Average Assets)						594,826						11.86						200,531						4.00						N/A						N/A
Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)						$	641,485					16.84		%				$	304,775					8.00		%				$	380,969					10.00		%
Tier 1 Capital (to Risk Weighted Assets)						599,473						15.74						228,582						6.00						304,775						8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)						599,473						15.74						171,436						4.50						247,630						6.50
Tier 1 Capital (to Average Assets)						599,473						11.97						200,386						4.00						250,483						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

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- References

No definition available.

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- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B

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