REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 2022

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
September 30, 2022	Amount		Ratio		Amount		Ratio		Amount		Ratio
		(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	507,277	16.34	%	$	248,395	8.00	%		N/A	N/A
Heartland Bank and Trust Company		484,065	15.60			248,216	8.00		$	310,271	10.00	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	442,841	14.26	%	$	186,296	6.00	%		N/A	N/A
Heartland Bank and Trust Company		459,005	14.79			186,162	6.00		$	248,216	8.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	406,243	13.08	%	$	139,722	4.50	%		N/A	N/A
Heartland Bank and Trust Company		459,005	14.79			139,622	4.50		$	201,676	6.50	%
Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.	$	442,841	10.44	%	$	169,611	4.00	%		N/A	N/A
Heartland Bank and Trust Company		459,005	10.83			169,515	4.00		$	211,894	5.00	%

	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
December 31, 2021	Amount		Ratio		Amount		Ratio		Amount		Ratio
		(dollars in thousands)
Total Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	479,320	16.88	%	$	227,115	8.00	%		N/A	N/A
Heartland Bank and Trust Company		452,162	15.94			226,950	8.00		$	283,688	10.00	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	416,068	14.66	%	$	170,336	6.00	%		N/A	N/A
Heartland Bank and Trust Company		428,226	15.09			170,213	6.00		$	226,950	8.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)
Consolidated HBT Financial, Inc.	$	379,519	13.37	%	$	127,752	4.50	%		N/A	N/A
Heartland Bank and Trust Company		428,226	15.09			127,659	4.50		$	184,397	6.50	%
Tier 1 Capital (to Average Assets)
Consolidated HBT Financial, Inc.	$	416,068	9.84	%	$	169,171	4.00	%		N/A	N/A
Heartland Bank and Trust Company		428,226	10.13			169,070	4.00		$	211,337	5.00	%