Busey Bank

FDIC-insured bank with its head office in Champaign, Illinois, established in 1946 according to the FDIC.

Busey Bank reported total assets of $18.1 bn at Q2 2026, down 3.8% on a year earlier, the 111th largest of 497 banks in our US coverage. The CET1 capital ratio at Busey Bank was 14.65%, and the uninsured share of Busey Bank was 43.03%. Source: FDIC Call Reports.

Key takeaways

  • On net interest margin, Busey Bank climbed from 388th to 208th among 500 US banks between and (1 = highest; FDIC Call Reports).
  • Since , Busey Bank has taken over 8 institutions; the latest was CrossFirst Bank on (FDIC Call Reports).
  • Over the year to , the net interest margin of Busey Bank rose by 0.79 pp to 3.78%, a bigger rise than at 98% of covered banks (FDIC Call Reports).
Total assets
$18.1 bn
-3.8% on a year earlier
Rank 111 of 497 1 = highest
CET1 capital ratio
14.65%
+1.03 pp on a year earlier
Rank 129 of 448 1 = highest
Return on equity
9.75%
+6.60 pp on a year earlier
Rank 353 of 500 1 = highest
Uninsured share of deposits
43.03%
+1.24 pp on a year earlier
Rank 155 of 500 1 = highest

What sets Busey Bank apart

  • Over the year to , the total deposits of Busey Bank fell by 4.9% to $15.2 bn, a bigger fall than at 96% of covered banks.
  • Over the year to , the total assets of Busey Bank fell by 3.8% to $18.1 bn, a bigger fall than at 96% of covered banks.

How large is Busey Bank?

The balance sheet of Busey Bank at : assets $18.1 bn, deposits $15.2 bn, net loans $13.0 bn (loans equal to 86.03% of deposits). Securities make up 16.4% of total assets at Busey Bank. Since , when Busey Bank held $3.9 bn, its assets grew 371.3%. In the year to , deposits at Busey Bank fell 4.9% while its total assets fell 3.8%. At , Busey Bank employed 1,833 full-time equivalent staff across 81 offices, about $9.9 mn of assets per employee and $187.1 mn of deposits per office.

How much funding at Busey Bank is uninsured?

At Busey Bank, uninsured deposits (above the FDIC limit) made up 43.03% of domestic deposits at (+1.24 pp on a year earlier); Busey Bank ranks 155th of 500 on this measure. In dollars, Busey Bank estimated $6.5 bn of uninsured deposits.

Key facts, Q2 2026

MetricValueChange from a year earlierUS rank
Total deposits$15.2 bn-4.9%109th of 499
Net loans and leases$13.0 bn-4.4%106th of 500
Loan-to-deposit ratio86.03%+0.52 pp262nd of 500
Tier 1 leverage ratio12.38%+1.16 pp83rd of 500
Total risk-based capital ratio15.63%+1.09 pp132nd of 448
Net interest margin3.78%+0.79 pp208th of 500
Return on assets (ROA)1.33%+0.95 pp230th of 500
Efficiency ratio57.76%-3.71 pp286th of 500 (1 = lowest)
Unrealized gain/loss on held-to-maturity securitiesLoss of $124.7 mnNarrowed by $7.7 mn
Unrealized gain/loss on available-for-sale securitiesLoss of $153.9 mnNarrowed by $23.0 mn
Noncurrent loans to total loans0.51%+0.12 pp205th of 500 (1 = lowest)
Net charge-offs to average loans0.20%-0.43 pp355th of 500 (1 = lowest)

US rank of Busey Bank: 1 = highest unless marked 1 = lowest.

Balance sheet

Busey Bank: assets, deposits and loans

USD bn
Total assets, deposits and net loans of Busey Bank each quarter; total assets were $18.1 bn at Q2 2026$1.6bn$6.1bn$10.7bn$15.3bn$19.8bn20182020202220242026Glenview State Bank merged inMerchants and Manufacturers Bank merged inCrossFirst Bank merged inTotal assets$18.1bnDeposits$15.2bnNet loans$13.0bnTotal assets, deposits and net loans of Busey Bank each quarter; total assets were $18.1 bn at Q2 2026$1.6bn$7.7bn$13.8bn$19.8bn20202024
  • Total assets $18.1bn
  • Deposits $15.2bn
  • Net loans $13.0bn
to . FDIC Call Reports.

Capital and securities

The CET1 ratio of Busey Bank stood at 14.65% in , +1.03 pp year on year. Low and high at Busey Bank since : 11.74% () to 16.46% (). Equity capital of Busey Bank at : $2.5 bn, or 13.7% of total assets. Busey Bank also reported a total capital ratio of 15.63% for , and a tier 1 leverage ratio of 12.38%.

On held-to-maturity securities, Busey Bank carried an unrealized loss of $124.7 mn at , equal to 5.0% of equity capital. The loss narrowed by $7.7 mn over the year. Its deepest point: $180.9 mn in . The available-for-sale portfolio of Busey Bank showed an unrealized loss of $153.9 mn at ; the loss narrowed by $23.0 mn over the year.

Busey Bank: capital ratios

Percent
CET1, total risk-based capital and tier 1 leverage ratios of Busey Bank, Q1 2016 to Q2 20269.0%11%13%16%18%20182020202220242026Total capital16%CET115%Tier 1 leverage12%CET1, total risk-based capital and tier 1 leverage ratios of Busey Bank, Q1 2016 to Q2 20269.0%12%15%18%20202024
  • Total capital 16%
  • CET1 15%
  • Tier 1 leverage 12%
to . FDIC Call Reports.

Busey Bank: unrealized securities gains and losses

USD bn
Unrealized gains and losses on available-for-sale and held-to-maturity securities of Busey Bank, Q1 2016 to Q2 2026-$358mn-$249mn-$139mn-$30mn$79mn20182020202220242026Held to maturity-$125mnAvailable for sale-$154mnUnrealized gains and losses on available-for-sale and held-to-maturity securities of Busey Bank, Q1 2016 to Q2 2026-$358mn-$212mn-$67mn$79mn20202024
  • Available for sale -$154mn
  • Held to maturity -$125mn
to . FDIC Call Reports.

Profitability and loan quality

For the year to , Busey Bank earned a return on equity of 9.75%; return on assets: 1.33%. Net interest margin at Busey Bank: 3.78%, +0.79 pp in a year. Busey Bank net income: $120.6 mn, up 222.3% year on year. The efficiency ratio of Busey Bank was 57.76%: about 58 cents cost per revenue dollar, against 60 cents at the median peer.

At , noncurrent loans were 0.51% of total loans at Busey Bank; net charge-offs: 0.20% of average loans. Gross loans and leases at Busey Bank: $13.2 bn, down 4.5% in a year.

Busey Bank: profitability

Percent, annualized
Return on equity, net interest margin and return on assets of Busey Bank, Q1 2016 to Q2 2026-0.7%2.6%6.0%9.3%13%20182020202220242026Return on equity9.8%Net interest margin3.8%Return on assets1.3%Return on equity, net interest margin and return on assets of Busey Bank, Q1 2016 to Q2 2026-0.7%3.7%8.2%13%20202024
  • Return on equity 9.8%
  • Net interest margin 3.8%
  • Return on assets 1.3%
to . FDIC Call Reports.

Peer group of Busey Bank

The peer group of Busey Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Busey Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Illinois. Against them, Busey Bank shows CET1 ratio 14.65% against a peer median of 12.25%, return on equity 9.75% against a peer median of 10.44% and uninsured deposit share 43.03% against a peer median of 35.42%.

BankCharterStateTotal assetsCET1 ratioReturn on equityUninsured share
Trustmark BankState member bankMS$19.2 bn12.43%11.39%37.02%
Bank of HopeState nonmember bankCA$19.0 bn12.65%5.90%40.33%
ServisFirst BankState nonmember bankAL$18.3 bn12.00%17.46%66.41%
Busey BankState member bankIL$18.1 bn14.65%9.75%43.03%
Third Federal Savings and Loan Association of ClevelandFederal savings bankOH$18.1 bn15.73%6.13%3.91%
Community BankNational bankNY$17.4 bn11.72%12.54%31.51%
Enterprise Bank & TrustState member bankMO$17.4 bn12.07%9.48%33.83%

. FDIC Call Reports.

Last eight quarters

Two years at Busey Bank, to : assets +51.9%, deposits +51.3%, equity +54.0%. Staff 1,454 to 1,833; offices 62 to 81.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026
Total assets$11.9 bn$12.0 bn$12.0 bn$18.9 bn$18.1 bn$18.1 bn$18.0 bn$18.1 bn
Total deposits$10.0 bn$10.1 bn$10.0 bn$15.9 bn$15.2 bn$15.0 bn$14.8 bn$15.2 bn
Bank equity capital$1.6 bn$1.6 bn$1.6 bn$2.4 bn$2.4 bn$2.5 bn$2.5 bn$2.5 bn
CET1 ratio16.17%16.46%16.21%13.62%13.73%13.97%14.06%14.65%
Return on equity (ROE)8.84%8.91%5.21%3.15%5.59%7.17%8.85%9.75%
Uninsured share of domestic deposits38.35%37.64%36.55%41.79%42.52%42.96%42.58%43.03%
Full-time equivalent employees1,4541,4521,4741,8941,8691,8631,8321,833
Number of offices6262627980808181

FDIC Call Reports.

Mergers and acquisitions

The FDIC history of Busey Bank, oldest first; figures before and after each event are not like for like.

  1. . Absorbed Pulaski Bank National Association (FDIC certificate 30284).
  2. . Absorbed First Community Financial Bank (FDIC certificate 58769).
  3. . Absorbed South Side Trust & Savings Bank of Peoria (FDIC certificate 12082).
  4. . Absorbed Busey Trust Company (FDIC certificate 27564).
  5. . Absorbed The Bank of Edwardsville (FDIC certificate 1039).
  6. . Absorbed Glenview State Bank (FDIC certificate 12406).
  7. . Absorbed Merchants and Manufacturers Bank (FDIC certificate 20040).
  8. . Absorbed CrossFirst Bank (FDIC certificate 58648).

Large one-quarter moves at Busey Bank

  • Total assets at Busey Bank changed by +37.5% in the quarter to 2016-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Pulaski Bank National Association.
  • Total assets at Busey Bank changed by +32.5% in the quarter to 2017-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First Community Financial Bank.
  • Total assets at Busey Bank changed by +57.5% in the quarter to 2025-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from CrossFirst Bank.

Questions and identifiers

What were the total assets of Busey Bank?

Busey Bank reported $18.1 bn at in its Call Report. That makes Busey Bank the 111th largest of 497 banks in our US coverage.

Is Busey Bank the same as its holding company?

No. This page covers Busey Bank, FDIC certificate 16450; FIRST BUSEY CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.

Is Busey Bank profitable?

Busey Bank reported net income of $120.6 mn for the year to ; annualized return on equity: 9.75%. So yes: Busey Bank made a profit over these months.

When is data for Busey Bank next updated?

Figures from Busey Bank for are due after .

Where can I check the figures for Busey Bank?

In the FDIC BankFind Suite record for certificate 16450, and in the Call Reports of Busey Bank (RSSD ID 416245) at the FFIEC Central Data Repository.