| 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: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 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) | | $ | 663,872 | | | 16.82 | % | | $ | 315,844 | | | 8.00 | % | | N/A | | N/A | | Tier 1 Capital (to Risk Weighted Assets) | | 620,630 | | | 15.72 | | | 236,883 | | | 6.00 | | | N/A | | N/A | | Common Equity Tier 1 Capital (to Risk Weighted Assets) | | 569,335 | | | 14.42 | | | 177,662 | | | 4.50 | | | N/A | | N/A | | Tier 1 Capital (to Average Assets) | | 620,630 | | | 12.26 | | | 202,443 | | | 4.00 | | | N/A | | N/A | | | | | | | | | | | | | | | Heartland Bank and Trust Company | | | | | | | | | | | | | | Total Capital (to Risk Weighted Assets) | | $ | 651,379 | | | 16.52 | % | | $ | 315,520 | | | 8.00 | % | | $ | 394,400 | | | 10.00 | % | | Tier 1 Capital (to Risk Weighted Assets) | | 608,137 | | | 15.42 | | | 236,640 | | | 6.00 | | | 315,520 | | | 8.00 | | | Common Equity Tier 1 Capital (to Risk Weighted Assets) | | 608,137 | | | 15.42 | | | 177,480 | | | 4.50 | | | 256,360 | | | 6.50 | | | Tier 1 Capital (to Average Assets) | | 608,137 | | | 12.02 | | | 202,314 | | | 4.00 | | | 252,893 | | | 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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