v3.26.1
REGULATORY CAPITAL
 6 Months Ended
Jun. 30, 2026
Banking and Thrift, Other Disclosure [Abstract]  
REGULATORY CAPITAL REGULATORY CAPITAL
The Company (on a consolidated basis) and the Bank are each subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by the regulators that, if undertaken, could have a direct material effect on the consolidated financial statements of the Company and the Bank. Additionally, the ability of the Company to pay dividends to its stockholders is dependent upon the ability of the Bank to pay dividends to the Company.
Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. As allowed under the regulations, the Company and the Bank elected to exclude accumulated other comprehensive income, including unrealized gains and losses on debt securities, in the computation of regulatory capital. Prompt corrective action provisions are not applicable to bank holding companies.
Additionally, the Company and the Bank must maintain a “capital conservation buffer” to avoid becoming subject to restrictions on capital distributions and certain discretionary bonus payments to management. The capital conservation buffer is 2.5% of risk-weighted assets.
As of June 30, 2026 and December 31, 2025, the Company and the Bank each met all capital adequacy requirements to which they were subject.
The actual and required capital amounts and ratios of the Company (on a consolidated basis) and the Bank were as follows:
June 30, 2026
ActualFor Capital Adequacy PurposesTo Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)AmountRatio AmountRatio AmountRatio
Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)$873,222 16.20 %$431,296 8.00 %N/AN/A
Tier 1 Capital (to Risk Weighted Assets)732,697 13.59 323,472 6.00 N/AN/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)681,372 12.64 242,604 4.50 N/AN/A
Tier 1 Capital (to Average Assets)732,697 11.01 266,296 4.00 N/AN/A
Heartland Bank and Trust Company
Total Capital (to Risk Weighted Assets)$850,622 15.80 %$430,757 8.00 %$538,446 10.00 %
Tier 1 Capital (to Risk Weighted Assets)794,123 14.75 323,067 6.00 430,757 8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets)794,123 14.75 242,301 4.50 349,990 6.50 
Tier 1 Capital (to Average Assets)794,123 11.94 266,131 4.00 332,664 5.00 
December 31, 2025
ActualFor Capital Adequacy PurposesTo Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)AmountRatio AmountRatio AmountRatio
Consolidated HBT Financial, Inc.
Total Capital (to Risk Weighted Assets)$663,872 16.82 %$315,844 8.00 %N/AN/A
Tier 1 Capital (to Risk Weighted Assets)620,630 15.72 236,883 6.00 N/AN/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)569,335 14.42 177,662 4.50 N/AN/A
Tier 1 Capital (to Average Assets)620,630 12.26 202,443 4.00 N/AN/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