Champaign, IL · Cert 16450 · First Busey Corp.
State charter, Fed member · FED · 81 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 36.5% share · #1 of 33 inst. · $3.2B of $8.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.20% | 0.69% | 0.43% | 1.36% | 1.60% | 1.21% | 1.46% | +103 bps | |
| Return on Equity | 9.83% | 9.02% | 5.21% | 3.31% | 10.38% | 11.75% | 8.85% | 10.66% | +736 bps | |
| Net Interest Margin | 2.94% | 2.89% | 2.91% | 3.82% | 3.43% | 3.56% | 3.53% | 3.53% | -29 bps | |
| Efficiency Ratio | 55.62% | 58.32% | 57.23% | 63.80% | 54.57% | 53.44% | 61.62% | 53.84% | -996 bps | |
| Non-Interest Burden | 1.16% | 1.23% | 1.20% | 2.18% | 1.53% | 1.51% | 1.83% | 1.49% | -69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | -1.99% | 1.01% | 58.07% | 51.78% | 50.30% | 50.40% | -3.81% | -6,188 bps | |
| Loan Growth (YoY) | -0.49% | 0.62% | 3.20% | 72.52% | 73.99% | 76.26% | 71.79% | -4.45% | -7,697 bps | |
| Deposit Growth (YoY) | -4.00% | -3.23% | -0.11% | 58.90% | 51.49% | 49.50% | 47.95% | -4.95% | -6,385 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.30% | 0.09% | 0.39% | 0.35% | 0.39% | 0.35% | 0.51% | +12 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.15% | 0.09% | 1.23% | 0.17% | 0.17% | 0.22% | 0.19% | -104 bps | |
| Allowance / Loans | 1.09% | 1.08% | 1.06% | 1.33% | 1.28% | 1.28% | 1.26% | 1.24% | -8 bps | |
| Allowance Coverage of NPLs | 10.3x | 3.6x | 12.2x | 3.4x | 3.7x | 3.3x | 3.6x | 2.4x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.10% | 12.14% | 12.08% | 11.22% | 11.59% | 12.00% | 12.14% | 12.38% | +116 bps | |
| Total Risk-Based Capital | 17.13% | 17.40% | 17.21% | 14.53% | 14.67% | 14.86% | 14.99% | 15.63% | +109 bps | |
| Equity / Assets | 13.47% | 13.19% | 13.43% | 12.76% | 13.47% | 13.76% | 13.67% | 13.65% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.08% | 76.58% | 78.19% | 86.66% | 89.68% | 90.29% | 90.79% | 87.11% | +45 bps | |
| Liquid Assets / Assets | 10.40% | 11.61% | 9.68% | 7.10% | 5.39% | 4.76% | 4.77% | 6.62% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 308% | 306% | 309% | n/a | n/a | |