| 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, 2026 | | | 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) | | $ | 873,222 | | | 16.20 | % | | $ | 431,296 | | | 8.00 | % | | N/A | | N/A | | Tier 1 Capital (to Risk Weighted Assets) | | 732,697 | | | 13.59 | | | 323,472 | | | 6.00 | | | N/A | | N/A | | Common Equity Tier 1 Capital (to Risk Weighted Assets) | | 681,372 | | | 12.64 | | | 242,604 | | | 4.50 | | | N/A | | N/A | | Tier 1 Capital (to Average Assets) | | 732,697 | | | 11.01 | | | 266,296 | | | 4.00 | | | N/A | | N/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 | | | 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 | |
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