REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 2021

REGULATORY MATTERS

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

	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
June 30, 2021	Amount		Ratio		Amount		Ratio		Amount		Ratio
		(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	441,703	18.55	%	$	190,498	8.00	%		N/A	N/A
Heartland Bank and Trust Company		409,771	17.22			190,328	8.00		$	237,910	10.00	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	375,919	15.79	%	$	142,873	6.00	%		N/A	N/A
Heartland Bank and Trust Company		383,264	16.11			142,746	6.00		$	190,328	8.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	339,403	14.25	%	$	107,155	4.50	%		N/A	N/A
Heartland Bank and Trust Company		383,264	16.11			107,060	4.50		$	154,642	6.50	%
Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.	$	375,919	9.67	%	$	155,553	4.00	%		N/A	N/A
Heartland Bank and Trust Company		383,264	9.86			155,416	4.00		$	194,270	5.00	%

	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
December 31, 2020	Amount		Ratio		Amount		Ratio		Amount		Ratio
		(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	426,283	17.40	%	$	195,970	8.00	%		N/A	N/A
Heartland Bank and Trust Company		382,511	15.63			195,787	8.00		$	244,733	10.00	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	356,410	14.55	%	$	146,977	6.00	%		N/A	N/A
Heartland Bank and Trust Company		351,904	14.38			146,840	6.00		$	195,787	8.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	319,927	13.06	%	$	110,233	4.50	%		N/A	N/A
Heartland Bank and Trust Company		351,904	14.38			110,130	4.50		$	159,077	6.50	%
Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.	$	356,410	9.94	%	$	143,454	4.00	%		N/A	N/A
Heartland Bank and Trust Company		351,904	9.82			143,296	4.00		$	179,120	5.00	%