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Busey Bank

Champaign, IL · Cert 16450 · First Busey Corp.

State charter, Fed member · FED · 81 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Busey Bank

Champaign, IL · Cert 16450 · First Busey Corp.

State charter, Fed member · FED · 81 branches

Q2 2026

$18.1BAssets
$13.2BLoans
$15.2BDeposits
$2.5BEquity
Loan mix
72%RE $8.9B24%C&I $2.9B5%Consumer $0.6BQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $11.7B23%Noninterest $3.5BQ2 2025Q2 2026

NIM

4.20%Q2 ’244.32%Q2 ’255.01%Q2 ’26+2%+25%

Non-interest income vs. expense

2.31%Q2 ’242.26%Q2 ’252.67%Q2 ’26+38%+14%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 36.5% share · #1 of 33 inst. · $3.2B of $8.7B

42.2% Champaign
0.3% Cook
17.3% Madison
1.6% St. Louis

Executive Summary

  • Earnings: ROA of 1.33%, up 81 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.51% of loans (+12 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 12.38%, up 116 bps from a year ago.
  • Funding: loans stand at 87.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+81 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+72 bps YoY

Efficiency Ratio (YTD, annualized)

57.76%-371 bps YoY

Tier 1 Leverage Ratio

12.38%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.88%1.09%1.21%1.33%+81 bps
Return on Equity4.01%6.65%8.21%8.85%9.75%+574 bps
Net Interest Margin2.83%3.07%3.24%3.53%3.55%+72 bps
Efficiency Ratio61.47%58.94%57.43%61.62%57.76%-371 bps
Non-Interest Burden1.47%1.51%1.53%1.83%1.67%+20 bps
Growth
Asset Growth (YoY)58.07%51.78%50.30%50.40%-3.81%-6,188 bps
Loan Growth (YoY)72.52%73.99%76.26%71.79%-4.45%-7,697 bps
Deposit Growth (YoY)58.90%51.49%49.50%47.95%-4.95%-6,385 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.35%0.39%0.35%0.51%+12 bps
Net Charge-Offs / Loans0.64%0.49%0.41%0.22%0.21%-43 bps
Allowance / Loans1.33%1.28%1.28%1.26%1.24%-8 bps
Allowance Coverage of NPLs3.4x3.7x3.3x3.6x2.4x-0.9x
Capital
Tier 1 Leverage Ratio11.22%11.59%12.00%12.14%12.38%+116 bps
Total Risk-Based Capital14.53%14.67%14.86%14.99%15.63%+109 bps
Equity / Assets12.76%13.47%13.76%13.67%13.65%+89 bps
Liquidity & Funding
Loans / Deposits86.66%89.68%90.29%90.79%87.11%+45 bps
Liquid Assets / Assets7.10%5.39%4.76%4.77%6.62%-48 bps
CRE / Total Capitaln/a308%306%309%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Busey Bank

Champaign, IL · Cert 16450 · Peer group: banks over $10B in assets (n=142-144) · First Busey Corp.

State charter, Fed member · FED · 81 branches

Q2 2026

$18.1BAssets
$13.2BLoans
$15.2BDeposits
$2.5BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 83% of banks over $10B in assets (rank 24 of 144).
  • Widest gap: efficiency ratio trails 66% of banks over $10B in assets (rank 96 of 144).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.33%

Rank 61 of 144

Net Interest Margin

3.55%

Rank 50 of 144

Efficiency Ratio

59.89%

Rank 96 of 144

Equity / Assets

13.65%

Rank 24 of 144

Non-interest income vs. expense

$179.1M$479.4MINCOMEEXPENSE
Unfavorable gap of $300.3M · efficiency ratio beats 34% of banks over $10B in assets
Bank 59.89%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.33%1.00%1.26%1.54%Beats 58%61 / 144
Return on Equity9.73%8.98%11.34%14.40%Beats 34%95 / 144
Net Interest Margin3.55%2.82%3.31%3.68%Beats 65%50 / 144
Efficiency Ratio59.89%49.42%56.02%62.41%Beats 34%96 / 144
Asset Quality
Nonperforming Loans / Loans0.51%0.48%0.73%1.07%Beats 70%44 / 142
Net Charge-Offs / Loans0.13%0.05%0.11%0.22%Beats 46%78 / 142
Capital
Tier 1 Capital Ratio14.65%12.07%12.98%14.92%Beats 71%42 / 144
Total Risk-Based Capital Ratio15.63%13.39%14.14%16.25%Beats 69%44 / 144
Equity / Assets13.65%9.69%11.39%12.96%Beats 83%24 / 144
Liquidity & Funding
Loans / Deposits87.11%75.72%84.92%91.56%59th pctl59 / 143
Loans / Assets72.76%59.83%69.07%74.80%63rd pctl53 / 144
Brokered Deposits / Depositsn/aNot reported for this institution