{"id":1014386,"date":"2026-10-27T19:37:09","date_gmt":"2026-10-27T23:37:09","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/first-busey-corporation-announces-2026-third-quarter-earnings\/"},"modified":"2026-10-27T19:37:09","modified_gmt":"2026-10-27T23:37:09","slug":"first-busey-corporation-announces-2026-third-quarter-earnings","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/first-busey-corporation-announces-2026-third-quarter-earnings\/","title":{"rendered":"First Busey Corporation Announces 2026 Third Quarter Earnings"},"content":{"rendered":"
\n

LEAWOOD, Kan., Oct. 27, 2026 (GLOBE NEWSWIRE) — First Busey Corporation (Nasdaq: BUSE) Announces 2026 Third Quarter Earnings.<\/p>\n\n\n\n
\n Net Income<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Diluted EPS<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Net Interest Margin<\/strong>
\n
\n 1<\/strong>
\n <\/sup>\n <\/td>\n		\u00a0<\/td>\n\n ROAA<\/strong>
\n
\n 1<\/strong>
\n <\/sup>\n <\/td>\n		\u00a0<\/td>\n\n ROATCE<\/strong>
\n
\n 1<\/strong>
\n <\/sup>\n <\/td>\n<\/tr>\n
\n $55.8 million<\/strong>
\n
\n $57.2\u00a0million<\/strong> (adj)2<\/sup><\/td>\n		\u00a0<\/td>\n\n $0.61<\/strong>
\n
\n $0.63<\/strong> (adj)2<\/sup><\/td>\n		\u00a0<\/td>\n\n 3.58%<\/strong>
\n 2<\/sup>
\n
\n 3.46%<\/strong> (adj)2<\/sup><\/td>\n		\u00a0<\/td>\n\n 1.20%<\/strong>
\n 2<\/sup>
\n
\n 1.23%<\/strong> (adj)2<\/sup><\/td>\n		\u00a0<\/td>\n\n 12.93%<\/strong>
\n 2<\/sup>
\n
\n 13.25%<\/strong> (adj)2<\/sup><\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n
\u00a0<\/td>\n\n MESSAGE FROM OUR CHAIRMAN, PRESIDENT & CEO<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\nBusey reported adjusted diluted EPS2<\/sup> of $0.63. Results were impacted by a single commercial relationship in the Central region that incurred a partial charge-off and moved to non-accrual this quarter. Quarterly provision expense increased to $9.6\u00a0million, compared to $2.2\u00a0million in the prior quarter, primarily as a result of this credit.<\/p>\n

Excluding this relationship, underlying trends for the quarter remained solid. Operating revenue2<\/sup> was stable at $194.3\u00a0million, supported by growth in net interest income. Wealth management revenue increased 15.5% from the prior year. We also maintained strong expense discipline, producing an efficiency ratio2<\/sup> of 54.4%.<\/p>\n

Deposit growth remained a highlight, increasing at an annualized rate of 11% for the second consecutive quarter as we continued to add relationships and deepen client primacy across our markets. As anticipated, loan balances declined during the quarter, including the repositioning of approximately $65\u00a0million of lender finance loans to held for sale as part of our ongoing portfolio management efforts. The loan-to-deposit ratio improved to 82.5% from 87.2% last quarter.<\/p>\n

Capital remained strong with Common Equity Tier\u00a01 Capital to Risk Weighted Assets3<\/sup> rising to 12.5% (compared to 12.3% a year ago), even after $188.4\u00a0million in year-to-date share repurchases, including $59.6\u00a0million this quarter.<\/p>\n

As we enter the final quarter of 2026, we remain well positioned with an indomitable balance sheet, ample liquidity, and significant capital flexibility. While macroeconomic uncertainty persists, we are confident in our ability to navigate a range of operating environments while continuing to support our clients and create long-term value for our shareholders.<\/td>\n

\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\nVan A. Dukeman
Chairman, President and CEO of First Busey Corporation<\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n FINANCIAL RESULTS<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n CONDENSED CONSOLIDATED STATEMENTS OF INCOME <\/strong>
\n
\n (unaudited)<\/em>
\n <\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n Nine\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands, except per share amounts)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
Total interest income<\/td>\n$<\/td>\n232,571<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n224,425<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n244,505<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n682,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n658,766<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest expense<\/td>\n\u00a0<\/td>\n79,426<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,023<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n89,368<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n222,965<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n246,715<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n153,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n152,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155,137<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n459,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n412,051<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n9,642<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(985<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,889<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,308<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income after provision for credit losses<\/td>\n\u00a0<\/td>\n143,503<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n150,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n156,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n444,627<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361,743<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest income<\/td>\n\u00a0<\/td>\n40,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,198<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n126,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n107,284<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest expense<\/td>\n\u00a0<\/td>\n111,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n112,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n353,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n359,881<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income before income taxes<\/td>\n\u00a0<\/td>\n72,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n81,889<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n77,302<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n218,053<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n109,146<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income taxes<\/td>\n\u00a0<\/td>\n16,662<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,204<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,051<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,634<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n55,845<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63,176<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n57,098<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n169,002<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
Dividends on preferred stock<\/td>\n\u00a0<\/td>\n4,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,590<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,768<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,286<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n$<\/td>\n51,256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n58,586<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n51,967<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n155,234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n69,226<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n$<\/td>\n0.62<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.84<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.84<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n0.61<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.81<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.83<\/td>\n\u00a0<\/td>\n<\/tr>\n
Effective income tax rate<\/td>\n\u00a0<\/td>\n22.98<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26.14<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31.73<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

Third quarter 2026 net income for First Busey Corporation, together with its consolidated subsidiaries (\u201cBusey,\u201d \u201cwe,\u201d \u201cus,\u201d or \u201cour\u201d) was $55.8\u00a0million, or $0.61 per diluted common share, compared to net income of $63.2\u00a0million, or $0.69 per diluted common share, for the second quarter of 2026, and $57.1\u00a0million, or $0.58 per diluted common share, for the third quarter of 2025. Annualized return on average assets2<\/sup> and annualized return on average tangible common equity2<\/sup> were 1.20% and 12.93%, respectively, for the third quarter of 2026.<\/p>\n

Pre-provision net revenue2<\/sup> was $82.9 million for the third quarter of 2026, compared to $81.6 million for the second quarter of 2026 and $76.6 million for the third quarter of 2025. Pre-provision net revenue to average assets2<\/sup> was 1.78% for the third quarter of 2026, compared to 1.83% for the second quarter of 2026, and 1.63% for the third quarter of 2025.<\/p>\n

\n
\n Adjusted Financial Results<\/em>
\n <\/strong>\n <\/p>\n

Busey views certain non-operating items, including acquisition-related expenses, restructuring charges, and nonrecurring strategic events, as adjustments to net income reported under U.S. generally accepted accounting principles (“GAAP”). We also adjust for net securities gains and losses to align with industry and research analyst reporting. The objective of our presentation of adjusted earnings and adjusted earnings metrics is to allow investors and analysts to more clearly identify quarterly trends in core earnings performance. Pre-tax non-GAAP adjustments to net income were as follows:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n \n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>
\n \n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n \n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n \n <\/td>\n<\/tr>\n
\n PRE-TAX NON-GAAP ADJUSTMENTS TO NET INCOME<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net securities (gains) losses<\/td>\n$<\/td>\n703<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(2,445<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(802<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n10,059<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other noninterest income<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,602<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n724<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,045<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,610<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,893<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,045<\/td>\n\u00a0<\/td>\n<\/tr>\n
Data processing<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n80<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,690<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy expense of premises<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9<\/td>\n\u00a0<\/td>\n<\/tr>\n
Furniture and equipment expenses<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional fees<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n704<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n823<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,969<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other noninterest expense<\/td>\n\u00a0<\/td>\n377<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n377<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n740<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,053<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total pre-tax non-GAAP adjustments to net income<\/td>\n$<\/td>\n1,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,539<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20,125<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n109,538<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

Adjusted net income,2<\/sup> which excludes the impact of non-GAAP adjustments, was $57.2\u00a0million, or $0.63 per diluted common share, for the third quarter of 2026, compared to $63.7\u00a0million, or $0.69 per diluted common share, for the second quarter of 2026 and $62.5\u00a0million, or $0.64 per diluted common share, for the third quarter of 2025. Annualized adjusted return on average assets2<\/sup> and annualized adjusted return on average tangible common equity2<\/sup> were 1.23% and 13.25%, respectively, for the third quarter of 2026.<\/p>\n

Adjusted pre-provision net revenue2<\/sup> was $84.0 million for the third quarter of 2026, compared to $84.8 million for the second quarter of 2026 and $83.9 million for the third quarter of 2025. Adjusted pre-provision net revenue to average assets2<\/sup> was 1.80% for the third quarter of 2026, compared to 1.90% for the second quarter of 2026 and 1.78% for the third quarter of 2025.<\/p>\n

For more information and a reconciliation of non-GAAP measures\u2014which are identified with the End Note labeled as 2\u2014in tabular form, see “Non-GAAP Financial Information.”<\/p>\n

\n
\n Net Interest Income<\/em>
\n <\/strong>\n <\/p>\n

Net interest income increased by $0.7\u00a0million in the third quarter of 2026, compared to the second quarter of 2026, driven by growth in average earning assets. Deposit funding costs were 13\u00a0basis points higher during the quarter largely due to continued success in deposit gathering initiatives as well as repricing impacts from the late quarter Federal Open Market Committee rate hike. Based on our most recent Asset Liability Management Committee model, a +100\u00a0basis point parallel rate shock is expected to increase net interest income by 1.5% (relative to a current base rate scenario) over the subsequent twelve-month period. Busey continues to evaluate and execute off-balance sheet hedging and balance sheet strategies as well as embedding rate protection in our asset originations to provide consistent and predictable net interest income performance across different interest rate environments. Deposit balances increased by $408.8\u00a0million, or 2.7%, primarily as a result of seasonal public funds inflows and strategic efforts to grow core customer deposits. At September 30, 2026, Busey Bank had $10.0\u00a0million of brokered funding, comprising 0.1% of total deposits, reflecting a $50.0\u00a0million reduction of brokered funding during the third quarter. Total deposit cost of funds increased from 1.80% during the second quarter of 2026 to 1.93% during the third quarter of 2026, with spot rates on total deposit costs increasing from 1.87% at June 30, 2026, to 1.97% at September 30, 2026. Busey continues to operate in a net excess cash position and at September 30, 2026, had cash and due from banks balances of $907.5\u00a0million. Busey\u2019s average total cost of funds was 1.99% for the third quarter of 2026.<\/p>\n

\n
\n Net Interest Margin<\/em>
\n <\/strong>
\n
\n
\n 2<\/em>
\n <\/strong>
\n <\/sup>\n <\/p>\n

Busey\u2019s average balances, annualized yield rates, and net interest margins are presented in the table below:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n June 30, 2026<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n Average<\/strong>
\n
\n Balance<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Income\/<\/strong>
\n
\n Expense<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Yield\/<\/strong>
\n
\n Rate<\/strong>
\n
\n (vi)<\/strong>
\n <\/sup>\n <\/td>\n		\u00a0<\/td>\n\n Average<\/strong>
\n
\n Balance<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Income\/<\/strong>
\n
\n Expense<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Yield\/<\/strong>
\n
\n Rate<\/strong>
\n
\n (vi)<\/strong>
\n <\/sup>\n <\/td>\n<\/tr>\n
\n ASSETS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing bank deposits and federal funds sold<\/td>\n$<\/td>\n688,669<\/td>\n\u00a0<\/td>\n$<\/td>\n6,387<\/td>\n\u00a0<\/td>\n3.68<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n123,868<\/td>\n\u00a0<\/td>\n$<\/td>\n1,057<\/td>\n\u00a0<\/td>\n3.42<\/td>\n%<\/td>\n<\/tr>\n
Investment securities(i)(ii)<\/sup><\/td>\n\u00a0<\/td>\n3,234,024<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,664<\/td>\n\u00a0<\/td>\n3.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,964,414<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,483<\/td>\n\u00a0<\/td>\n3.31<\/td>\n%<\/td>\n<\/tr>\n
Restricted bank stock<\/td>\n\u00a0<\/td>\n77,935<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,237<\/td>\n\u00a0<\/td>\n6.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n85,153<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,127<\/td>\n\u00a0<\/td>\n5.31<\/td>\n%<\/td>\n<\/tr>\n
Loans held for sale<\/td>\n\u00a0<\/td>\n20,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n398<\/td>\n\u00a0<\/td>\n7.88<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122<\/td>\n\u00a0<\/td>\n5.85<\/td>\n%<\/td>\n<\/tr>\n
Portfolio loans(i)(iii)<\/sup><\/td>\n\u00a0<\/td>\n13,035,599<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n196,736<\/td>\n\u00a0<\/td>\n5.99<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,326,579<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,477<\/td>\n\u00a0<\/td>\n5.97<\/td>\n%<\/td>\n<\/tr>\n
Total interest-earning assets(i)<\/sup><\/td>\n\u00a0<\/td>\n17,056,264<\/td>\n\u00a0<\/td>\n$<\/td>\n233,422<\/td>\n\u00a0<\/td>\n5.43<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,508,372<\/td>\n\u00a0<\/td>\n$<\/td>\n225,266<\/td>\n\u00a0<\/td>\n5.47<\/td>\n%<\/td>\n<\/tr>\n
Noninterest-earning assets<\/td>\n\u00a0<\/td>\n1,414,675<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,378,725<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n18,470,939<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,887,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n LIABILITIES AND STOCKHOLDERS\u2019 EQUITY<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing transaction deposits<\/td>\n$<\/td>\n3,426,877<\/td>\n\u00a0<\/td>\n$<\/td>\n15,343<\/td>\n\u00a0<\/td>\n1.78<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n3,203,014<\/td>\n\u00a0<\/td>\n$<\/td>\n13,463<\/td>\n\u00a0<\/td>\n1.69<\/td>\n%<\/td>\n<\/tr>\n
Savings and money market deposits<\/td>\n\u00a0<\/td>\n6,127,538<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,445<\/td>\n\u00a0<\/td>\n2.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,615,951<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,220<\/td>\n\u00a0<\/td>\n2.30<\/td>\n%<\/td>\n<\/tr>\n
Time deposits<\/td>\n\u00a0<\/td>\n2,408,540<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,135<\/td>\n\u00a0<\/td>\n3.48<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,342,629<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,078<\/td>\n\u00a0<\/td>\n3.44<\/td>\n%<\/td>\n<\/tr>\n
Federal funds purchased and repurchase agreements<\/td>\n\u00a0<\/td>\n150,791<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n928<\/td>\n\u00a0<\/td>\n2.44<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n169,008<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,098<\/td>\n\u00a0<\/td>\n2.61<\/td>\n%<\/td>\n<\/tr>\n
Borrowings(iv)<\/sup><\/td>\n\u00a0<\/td>\n292,005<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,575<\/td>\n\u00a0<\/td>\n4.86<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n450,454<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,164<\/td>\n\u00a0<\/td>\n4.60<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing liabilities<\/td>\n\u00a0<\/td>\n12,405,751<\/td>\n\u00a0<\/td>\n$<\/td>\n79,426<\/td>\n\u00a0<\/td>\n2.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,781,056<\/td>\n\u00a0<\/td>\n$<\/td>\n72,023<\/td>\n\u00a0<\/td>\n2.45<\/td>\n%<\/td>\n<\/tr>\n
Noninterest-bearing deposits<\/td>\n\u00a0<\/td>\n3,439,388<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,467,436<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other liabilities<\/td>\n\u00a0<\/td>\n272,038<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n240,118<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n2,353,762<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,398,487<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and stockholders\u2019 equity<\/td>\n$<\/td>\n18,470,939<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,887,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin(i)(v)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,996<\/td>\n\u00a0<\/td>\n3.58<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,243<\/td>\n\u00a0<\/td>\n3.72<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n\n\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nOn a tax-equivalent basis and assuming a federal income tax rate of 21.0%.<\/td>\n<\/tr>\n
(ii)<\/td>\n\u00a0<\/td>\nInvestment securities include debt securities available for sale, debt securities held to maturity, and equity securities.<\/td>\n<\/tr>\n
(iii)<\/td>\n\u00a0<\/td>\nNon-accrual loans have been included in average portfolio loans.<\/td>\n<\/tr>\n
(iv)<\/td>\n\u00a0<\/td>\nIncludes, as applicable, short-term borrowings, long-term borrowings, subordinated notes, and junior subordinated debt owed to unconsolidated trusts.<\/td>\n<\/tr>\n
(v)<\/td>\n\u00a0<\/td>\nFor a reconciliation of non-GAAP measures, see \u201cNon-GAAP Financial Information.\u201d<\/td>\n<\/tr>\n
(vi)<\/td>\n\u00a0<\/td>\nAnnualized.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n Noninterest Income<\/em>
\n <\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Nine\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n NONINTEREST INCOME<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Wealth management fees<\/td>\n$<\/td>\n19,846<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,184<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n59,197<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n51,325<\/td>\n\u00a0<\/td>\n<\/tr>\n
Payment technology solutions<\/td>\n\u00a0<\/td>\n5,108<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,968<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,092<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,153<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,121<\/td>\n\u00a0<\/td>\n<\/tr>\n
Treasury management services<\/td>\n\u00a0<\/td>\n4,824<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,789<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,069<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,634<\/td>\n\u00a0<\/td>\n<\/tr>\n
Capital markets income<\/td>\n\u00a0<\/td>\n1,472<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,936<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,714<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,515<\/td>\n\u00a0<\/td>\n<\/tr>\n
Card services and ATM fees<\/td>\n\u00a0<\/td>\n4,733<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,799<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,192<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,388<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other service charges on deposit accounts<\/td>\n\u00a0<\/td>\n1,361<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,407<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,617<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,274<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,663<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income on bank owned life insurance<\/td>\n\u00a0<\/td>\n1,659<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,637<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,623<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,912<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,814<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net securities gains (losses)<\/td>\n\u00a0<\/td>\n(703<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,445<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(288<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n802<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(10,059<\/td>\n)<\/td>\n<\/tr>\n
Other noninterest income<\/td>\n\u00a0<\/td>\n2,102<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,400<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,007<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,665<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,883<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest income<\/td>\n$<\/td>\n40,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n44,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n41,198<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n126,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n107,284<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n Compared to the Second Quarter of 2026<\/u>\n <\/p>\n

Total noninterest income decreased by 8.8% compared to the second quarter of 2026, primarily due to a $3.1\u00a0million unfavorable swing in net securities gains (losses). Net securities gains and losses were largely unrealized.<\/p>\n

Wealth management fees were impacted by a $0.7\u00a0million decrease in seasonal tax preparation fees.<\/p>\n

Other noninterest income was impacted by a $0.7\u00a0million lower-of-cost-or-market (\u201cLOCOM\u201d) adjustment recorded in connection with the repositioning of a pool of lender finance loans to held for sale as part of our ongoing portfolio management efforts.<\/p>\n

\n Compared to the Third Quarter of 2025<\/u>\n <\/p>\n

Total noninterest income decreased by 1.9% compared to the third quarter of 2025, primarily due to $2.9\u00a0million in declines from other noninterest income, partially offset by $2.7\u00a0million in increases from wealth management fees.<\/p>\n

Busey\u2019s Wealth Management division ended the third quarter of 2026 with $16.72\u00a0billion in assets under care, compared to $14.96 billion at the end of the third quarter of 2025. Busey\u2019s portfolio management team continues to focus on long-term returns and managing risk in the face of volatile markets and has outperformed its blended benchmark4<\/sup> over the last three, five, and seven years.<\/p>\n

Declines in other noninterest income were primarily driven by decreases in income from private equity investments, mortgage revenue, and the aforementioned LOCOM adjustment.<\/p>\n

\n
\n Operating Efficiency<\/em>
\n <\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Nine Months Ended<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n NONINTEREST EXPENSE<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n$<\/td>\n66,432<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n67,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n74,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n219,339<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n220,068<\/td>\n\u00a0<\/td>\n<\/tr>\n
Data processing<\/td>\n\u00a0<\/td>\n9,436<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,868<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,714<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,168<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,310<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy expense of premises<\/td>\n\u00a0<\/td>\n7,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,982<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,613<\/td>\n\u00a0<\/td>\n<\/tr>\n
Furniture and equipment expenses<\/td>\n\u00a0<\/td>\n2,530<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,336<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,043<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,296<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional fees<\/td>\n\u00a0<\/td>\n2,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,041<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,931<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,787<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,316<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangible assets<\/td>\n\u00a0<\/td>\n4,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,674<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,182<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interchange expense<\/td>\n\u00a0<\/td>\n1,156<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,096<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,336<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,368<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,976<\/td>\n\u00a0<\/td>\n<\/tr>\n
FDIC insurance<\/td>\n\u00a0<\/td>\n1,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,349<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,742<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other noninterest expense<\/td>\n\u00a0<\/td>\n15,916<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,601<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,378<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest expense<\/td>\n$<\/td>\n111,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n112,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n120,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n353,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n359,881<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

Adjusted noninterest expense2<\/sup>, which excludes acquisition and restructuring expenses, was as follows:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n Nine Months Ended<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n NONINTEREST EXPENSE WITH NON-GAAP ADJUSTMENTS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n$<\/td>\n65,708<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n65,632<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n68,535<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n200,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n187,023<\/td>\n\u00a0<\/td>\n<\/tr>\n
Data processing<\/td>\n\u00a0<\/td>\n9,436<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,868<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,290<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,088<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,620<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy expense of premises<\/td>\n\u00a0<\/td>\n7,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,973<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,604<\/td>\n\u00a0<\/td>\n<\/tr>\n
Furniture and equipment expenses<\/td>\n\u00a0<\/td>\n2,530<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,336<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,043<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,229<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional fees<\/td>\n\u00a0<\/td>\n2,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,337<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,573<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,964<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,347<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangible assets<\/td>\n\u00a0<\/td>\n4,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,674<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,182<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interchange expense<\/td>\n\u00a0<\/td>\n1,156<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,096<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,336<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,368<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,976<\/td>\n\u00a0<\/td>\n<\/tr>\n
FDIC insurance<\/td>\n\u00a0<\/td>\n1,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,349<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,742<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other noninterest expense<\/td>\n\u00a0<\/td>\n15,539<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,809<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,470<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,325<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted noninterest expense (Non-GAAP)(i)<\/sup><\/td>\n$<\/td>\n110,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n109,509<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n112,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n332,625<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n310,048<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nBeginning in 2026, to better align with industry standards, Busey revised its calculation of adjusted noninterest expense, for all periods presented, to exclude any adjustment for amortization of intangible assets.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n Compared to the Second Quarter of 2026<\/u>\n <\/p>\n

Total noninterest expense decreased by 1.1% compared to the second quarter of 2026. Excluding acquisition and restructuring expenses, total noninterest expense increased by 0.7%, primarily due to increases in data processing and other noninterest expense, partially offset by a decrease in expense for FDIC insurance. FDIC insurance costs declined as a result of prior-period adjustments. Increases in other noninterest expense were driven by business development and loan costs.<\/p>\n

\n Compared to the Third Quarter of 2025<\/u>\n <\/p>\n

Total noninterest expense decreased by 7.2% compared to the third quarter of 2025. Excluding acquisition and restructuring expenses, total noninterest expense declined by 2.2%, primarily due to decreases in expense for salaries and employee benefits and FDIC insurance, partially offset by an increase in other noninterest expense. Increases in other noninterest expense were driven by marketing, business development, and check card service fees.<\/p>\n

Busey remains focused on prudently managing its expense base and operating efficiency. The efficiency ratio2<\/sup> was 54.4% for the third quarter of 2026, compared to 54.0% for the second quarter of 2026, and 54.8% for the third quarter of 2025.<\/p>\n

\n BALANCE SHEET STRENGTH<\/strong>\n <\/p>\n

Busey\u2019s financial strength is built on a long-term conservative operating approach. That focus has endured over time and will continue to guide us in the future.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n CONDENSED CONSOLIDATED BALANCE SHEETS <\/strong>
\n
\n (unaudited)<\/em>
\n <\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n As of<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n ASSETS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cash and cash equivalents<\/td>\n$<\/td>\n883,053<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n665,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n371,894<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing time deposits in other banks<\/td>\n\u00a0<\/td>\n24,450<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,450<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,580<\/td>\n\u00a0<\/td>\n<\/tr>\n
Debt securities available for sale<\/td>\n\u00a0<\/td>\n2,669,937<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,265,167<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,099,259<\/td>\n\u00a0<\/td>\n<\/tr>\n
Debt securities held to maturity<\/td>\n\u00a0<\/td>\n685,134<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n703,988<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n784,821<\/td>\n\u00a0<\/td>\n<\/tr>\n
Equity securities<\/td>\n\u00a0<\/td>\n15,557<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,397<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,931<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans held for sale<\/td>\n\u00a0<\/td>\n68,081<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,660<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,943<\/td>\n\u00a0<\/td>\n<\/tr>\n
Portfolio loans<\/td>\n\u00a0<\/td>\n12,822,489<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,195,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,598,266<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for credit losses<\/td>\n\u00a0<\/td>\n(164,280<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(164,204<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(174,181<\/td>\n)<\/td>\n<\/tr>\n
Restricted bank stock<\/td>\n\u00a0<\/td>\n77,067<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,171<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n77,006<\/td>\n\u00a0<\/td>\n<\/tr>\n
Premises and equipment, net<\/td>\n\u00a0<\/td>\n190,257<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n191,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n190,721<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n467,137<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n471,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n485,203<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other assets<\/td>\n\u00a0<\/td>\n819,724<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n740,470<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n717,185<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Total assets<\/strong>\n <\/td>\n$<\/td>\n18,558,606<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,191,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,188,628<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n LIABILITIES AND STOCKHOLDERS\u2019 EQUITY<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Liabilities<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n$<\/td>\n15,537,566<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,128,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,070,162<\/td>\n\u00a0<\/td>\n<\/tr>\n
Securities sold under agreements to repurchase<\/td>\n\u00a0<\/td>\n154,693<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n144,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n147,152<\/td>\n\u00a0<\/td>\n<\/tr>\n
Borrowings<\/td>\n\u00a0<\/td>\n302,214<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n285,734<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n272,971<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other liabilities<\/td>\n\u00a0<\/td>\n307,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n250,157<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n249,508<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n16,302,327<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,808,697<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,739,793<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Stockholders\u2019 equity<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Retained earnings<\/td>\n\u00a0<\/td>\n424,880<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n395,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n303,077<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accumulated other comprehensive income (loss)<\/td>\n\u00a0<\/td>\n(241,880<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(141,080<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(136,801<\/td>\n)<\/td>\n<\/tr>\n
Other stockholders’ equity(i)<\/sup><\/td>\n\u00a0<\/td>\n2,073,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,128,841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,282,559<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n2,256,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,383,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,448,835<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Total liabilities and stockholders\u2019 equity<\/strong>\n <\/td>\n$<\/td>\n18,558,606<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,191,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,188,628<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nNet balance of preferred stock ($0.001 par value), common stock ($0.001 par value), additional paid-in capital, and treasury stock.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n Loans Held for Sale<\/em>
\n <\/strong>\n <\/p>\n

A pool of lender finance commercial loans acquired in the acquisition of CrossFirst Bankshares, Inc. (\u201cCrossFirst\u201d) was reclassified to held for sale during the third quarter of 2026. As a result of the transfer, Busey recognized both (1)\u00a0a $0.7\u00a0million LOCOM adjustment as a reduction to other noninterest income, primarily attributable to the purchase premium assigned to these loans at acquisition, and (2)\u00a0a $0.7\u00a0million release of allowance for credit losses as a reduction to provision expense. The loans were subsequently sold in the fourth quarter. As of September 30, 2026, loans held for sale included $3.0\u00a0million of mortgage loans and $65.1\u00a0million of commercial loans.<\/p>\n

\n
\n Portfolio Loans<\/em>
\n <\/strong>\n <\/p>\n

Busey remains steadfast in its conservative approach to underwriting and disciplined approach to pricing. Busey\u2019s loan portfolio comprised the following:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n As of<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n PORTFOLIO LOANS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial loans:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial and industrial and other commercial<\/td>\n$<\/td>\n3,770,796<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,959,997<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,395,871<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial real estate<\/td>\n\u00a0<\/td>\n5,258,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,452,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,424,095<\/td>\n\u00a0<\/td>\n<\/tr>\n
Real estate construction<\/td>\n\u00a0<\/td>\n1,066,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,027,069<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,099,524<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total commercial loans<\/td>\n\u00a0<\/td>\n10,095,526<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,439,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,919,490<\/td>\n\u00a0<\/td>\n<\/tr>\n
Retail loans:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Retail real estate<\/td>\n\u00a0<\/td>\n2,089,618<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,116,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,196,246<\/td>\n\u00a0<\/td>\n<\/tr>\n
Retail other<\/td>\n\u00a0<\/td>\n637,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n638,947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n482,530<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total retail loans<\/td>\n\u00a0<\/td>\n2,726,963<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,755,307<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,678,776<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total portfolio loans<\/td>\n$<\/td>\n12,822,489<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13,195,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13,598,266<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

CRE loans comprised 41.0% of Busey\u2019s total loan portfolio as of September 30, 2026, and CRE properties were 26.6% owner occupied. Owner-occupied commercial real estate is generally dependent on the performance of the borrowers\u2019 businesses, whereas non-owner-occupied commercial real estate is generally reliant on property cash flows generated by third-party tenants.<\/p>\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n As of<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n COMMERCIAL REAL ESTATE LOANS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-owner-occupied commercial real estate<\/td>\n$<\/td>\n3,861,572<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,019,517<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,034,429<\/td>\n\u00a0<\/td>\n<\/tr>\n
Owner-occupied commercial real estate<\/td>\n\u00a0<\/td>\n1,396,449<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,433,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,389,666<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total commercial real estate loans<\/td>\n$<\/td>\n5,258,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,452,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,424,095<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n Asset Quality<\/u>\n <\/p>\n

Despite the previously mentioned credit relationship that went on non-accural status, asset quality remains strong. Busey maintains a well-diversified loan portfolio and, as a matter of policy and practice, limits concentration exposure in any particular loan segment.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n As of<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Total assets<\/strong>\n <\/td>\n$<\/td>\n18,558,606<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,191,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,188,628<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Portfolio loans<\/strong>\n <\/td>\n\u00a0<\/td>\n12,822,489<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,195,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,598,266<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans 30\u00a0\u2013\u00a089 days past due<\/td>\n\u00a0<\/td>\n16,877<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,914<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-performing loans:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-accrual loans<\/td>\n\u00a0<\/td>\n80,949<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62,766<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,096<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans 90+ days past due and still accruing<\/td>\n\u00a0<\/td>\n689<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,668<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,418<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-performing loans<\/td>\n\u00a0<\/td>\n81,638<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67,434<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47,514<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other non-performing assets<\/td>\n\u00a0<\/td>\n1,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,210<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-performing assets<\/td>\n\u00a0<\/td>\n83,607<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n70,305<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n57,724<\/td>\n\u00a0<\/td>\n<\/tr>\n
Substandard (excludes 90+ days past due)<\/td>\n\u00a0<\/td>\n161,253<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155,737<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n103,329<\/td>\n\u00a0<\/td>\n<\/tr>\n
Classified assets<\/td>\n$<\/td>\n244,860<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n226,042<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n161,053<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Allowance for credit losses<\/strong>\n <\/td>\n$<\/td>\n164,280<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n164,204<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n174,181<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n RATIOS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-performing loans to portfolio loans<\/td>\n\u00a0<\/td>\n0.64<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.35<\/td>\n%<\/td>\n<\/tr>\n
Non-performing assets to total assets<\/td>\n\u00a0<\/td>\n0.45<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.39<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.32<\/td>\n%<\/td>\n<\/tr>\n
Non-performing assets to portfolio loans and other non-performing assets<\/td>\n\u00a0<\/td>\n0.65<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.53<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.42<\/td>\n%<\/td>\n<\/tr>\n
Allowance for credit losses to portfolio loans<\/td>\n\u00a0<\/td>\n1.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.28<\/td>\n%<\/td>\n<\/tr>\n
Coverage ratio of the allowance for credit losses to non-performing loans<\/td>\n2.01 x<\/td>\n\u00a0<\/td>\n2.44 x<\/td>\n\u00a0<\/td>\n3.67 x<\/td>\n<\/tr>\n
Classified assets to Bank Tier\u00a01 capital(i)<\/sup> and allowance for credit losses<\/td>\n\u00a0<\/td>\n10.61<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.03<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nCapital amounts for the third quarter of 2026 are not yet finalized and are subject to change.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

Non-performing assets increased by $13.3\u00a0million compared to June 30, 2026, and increased by $25.9\u00a0million compared to September 30, 2025. The quarter-over-quarter increase was driven by one commercial relationship totaling $37.6\u00a0million. Due to emerging circumstances, the relationship was moved to a non-accrual status, incurred a partial charge-off of $10.0\u00a0million, and was allocated an individual reserve of $17.8\u00a0million against the remaining $27.6\u00a0million September 30, 2026, balance. Non-performing assets represented 0.45% of total assets as of September 30, 2026, a 6\u00a0basis point increase from June 30, 2026, and a 13\u00a0basis point increase from September 30, 2025.<\/p>\n

Classified assets increased by $18.8\u00a0million compared to June 30, 2026, and increased by $83.8\u00a0million compared to September 30, 2025.<\/p>\n

The allowance for credit losses was $164.3\u00a0million as of September 30, 2026, equal to 2.0\u00a0times the balance of non-performing loans and representing 1.28% of total portfolio loans.<\/p>\n

Busey\u2019s net charge-offs and provision for credit losses were as follows:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n NET CHARGE-OFFS (RECOVERIES) AND PROVISION EXPENSE (RELEASE)<\/strong>
\n
\n (unaudited)<\/em>
\n <\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Nine\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n
\n
\n (i)<\/strong>
\n <\/sup>
\n <\/strong>\n <\/td>\n<\/tr>\n
Net charge-offs<\/td>\n$<\/td>\n11,368<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,382<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,848<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25,112<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,158<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for loan losses<\/td>\n$<\/td>\n11,444<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,532<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(3,305<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n15,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n40,152<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for unfunded commitments<\/td>\n\u00a0<\/td>\n(1,802<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n657<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,320<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(480<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,156<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n$<\/td>\n9,642<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(985<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n14,889<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,308<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-off ratio(ii)<\/sup><\/td>\n\u00a0<\/td>\n0.35<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.54<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nThe nine months ended September\u00a030,\u00a02025, included $42.4\u00a0million to establish an initial allowance for loan losses for loans purchased without credit deterioration (\u201cnon-PCD\u201d loans) and $7.2\u00a0million to establish an initial allowance for unfunded commitments following the close of the CrossFirst acquisition in the first quarter of 2025 and adoption of a new CECL model in the second quarter of 2025.<\/td>\n<\/tr>\n
(ii)<\/td>\n\u00a0<\/td>\nAnnualized measure.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

Net charge-offs increased by $5.0\u00a0million when compared to the second quarter of 2026, and increased by $5.5\u00a0million when compared with the third quarter of 2025. The third quarter increase in net charge-offs was primarily the result of the commercial relationship for which Busey recorded a $10.0\u00a0million partial charge-off, as discussed above.<\/p>\n

\n
\n Deposits<\/em>
\n <\/strong>\n <\/p>\n

Busey\u2019s deposits were comprised of the following:<\/p>\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n As of<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>
\n
\n
\n <\/strong>\n <\/td>\n<\/tr>\n
\n DEPOSITS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noninterest-bearing deposits<\/td>\n$<\/td>\n3,439,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,496,319<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,554,936<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing transaction deposits<\/td>\n\u00a0<\/td>\n3,546,503<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,315,200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,171,255<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings deposits and money market deposits<\/td>\n\u00a0<\/td>\n6,147,198<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,934,920<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,910,183<\/td>\n\u00a0<\/td>\n<\/tr>\n
Time deposits<\/td>\n\u00a0<\/td>\n2,404,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,382,306<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,433,788<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n$<\/td>\n15,537,566<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,128,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,070,162<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

Busey\u2019s loan-to-deposit ratio improved to 82.5% as of September 30, 2026, compared to 87.2% as of June 30, 2026. Core deposits2<\/sup> accounted for 94.0% of total deposits as of September 30, 2026. The quality of Busey\u2019s core deposit franchise is a critical value driver of the institution. In addition to the $3.44\u00a0billion of noninterest-bearing deposits, Busey also has $1.84\u00a0billion of interest-bearing non-maturity deposits that are priced at 1\u00a0basis point, providing stable, rate inelastic funding. Busey management believes we have ample on- and off-balance sheet liquidity to manage deposit fluctuations and the liquidity needs of our customers.<\/p>\n

\n
\n Liquidity<\/em>
\n <\/strong>\n <\/p>\n

As of September 30, 2026, Busey\u2019s available sources of on- and off-balance sheet liquidity5<\/sup> totaled $9.36\u00a0billion. Furthermore, Busey\u2019s balance sheet liquidity profile continues to be aided by the cash flows expected from Busey\u2019s relatively short-duration securities portfolio. Those cash flows were approximately $138.0\u00a0million in the third quarter of 2026. Cash flows from our securities portfolio are expected to be approximately $89.6\u00a0million for the remainder of 2026, with a current book yield of 3.40%.<\/p>\n

\n
\n Capital Strength<\/em>
\n <\/strong>\n <\/p>\n

The strength of our balance sheet is also reflected in our robust capital foundation. The following table presents Busey\u2019s capital estimates3<\/sup> and tangible equity position:<\/p>\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n As of<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands, except per share amounts)<\/em>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
Common equity Tier\u00a01 capital to risk weighted assets(i)<\/sup><\/td>\n\u00a0<\/td>\n12.47<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.53<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.33<\/td>\n%<\/td>\n<\/tr>\n
Total capital to risk weighted assets(i)<\/sup><\/td>\n\u00a0<\/td>\n16.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.89<\/td>\n%<\/td>\n<\/tr>\n
Tangible common equity(ii)<\/sup><\/td>\n$<\/td>\n1,573,945<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,696,685<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,748,435<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible common equity to tangible assets(ii)<\/sup><\/td>\n\u00a0<\/td>\n8.70<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.88<\/td>\n%<\/td>\n<\/tr>\n
Tangible book value per common share(ii)<\/sup><\/td>\n$<\/td>\n19.37<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20.40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19.69<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nCapital amounts and ratios as of September 30, 2026, are not yet finalized and are subject to change.<\/td>\n<\/tr>\n
(ii)<\/td>\n\u00a0<\/td>\nFor a reconciliation of non-GAAP measures to the most directly comparable GAAP financial measures, see \u201cNon-GAAP Financial Information.\u201d<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n Dividends<\/u>\n <\/p>\n

Busey’s strong capital levels, coupled with its earnings, have allowed it to provide a steady return to its stockholders through dividends. During the third quarter of 2026, Busey paid dividends of $0.26 per share on its outstanding shares of common stock. Busey also paid dividends of $20.00 per share on its outstanding shares of Series\u00a0A Non-Cumulative Perpetual Preferred Stock and $0.515625 per share on its outstanding depositary shares, each representing a 1\/40th interest in a share of Busey\u2019s 8.25% Fixed-Rate Series\u00a0B Non-Cumulative Perpetual Preferred Stock.<\/p>\n

\n Share Repurchases<\/u>\n <\/p>\n

During the third quarter of 2026, under its stock repurchase plan, Busey purchased 1,972,900 shares of its common stock at a weighted average price of $30.21 per share for a total of $59.6\u00a0million (excluding excise taxes). As of September 30, 2026, Busey had 1,925,875 shares remaining available for repurchase under the plan.<\/p>\n

\n THIRD QUARTER EARNINGS INVESTOR PRESENTATION<\/strong>\n <\/p>\n

For additional information on Busey\u2019s financial condition and operating results, please refer to our Q3\u00a02026<\/em><\/strong> Earnings Investor Presentation<\/em><\/strong> furnished via Form\u00a08\u2011K on October 27, 2026, in connection with this earnings release.<\/p>\n

\n CORPORATE PROFILE<\/strong>\n <\/p>\n

As of September 30, 2026, First Busey Corporation (Nasdaq: BUSE) was an $18.56 billion financial holding company headquartered in Leawood, Kansas.<\/p>\n

Busey Bank, a wholly-owned bank subsidiary of First Busey Corporation headquartered in Champaign, Illinois, had total assets of $18.51 billion as of September 30, 2026. Busey Bank currently has 80\u00a0banking centers, with 21 in central Illinois markets, 17 in suburban Chicago markets, 20 in the St. Louis Metropolitan Statistical Area, four in the Dallas-Fort Worth Metropolitan Statistical Area, three in the Kansas City Metropolitan Statistical Area, three in southwest Florida, three in Oklahoma, three in Colorado, three in Arizona, one in Indianapolis, Indiana, one in Wichita, Kansas, and one in Clayton, New Mexico. More information about Busey Bank can be found at busey.com.<\/p>\n

Through its Wealth Management division, Busey provides a full range of asset management, investment, brokerage, fiduciary, philanthropic advisory, tax preparation, and farm management services to individuals, businesses, and foundations. Assets under care totaled $16.72\u00a0billion as of September 30, 2026. More information about Busey\u2019s Wealth Management services can be found at busey.com\/wealthmanagement.<\/p>\n

Busey Bank\u2019s payment technology solutions specialize in the evolving financial technology needs of small and medium-sized businesses, highly regulated enterprise industries, and financial institutions. Busey provides comprehensive and innovative payment technology solutions, including online, mobile, and voice-recognition bill payments; money and data movement; merchant services; direct debit services; lockbox remittance processing for payments made by mail; and walk-in payments at retail agents. Additionally, Busey simplifies client workflows through integrations enabling support with billing, reconciliation, bill reminders, and treasury services.<\/p>\n

Busey is honored to be consistently recognized as an outstanding financial services organization with the proven ability to preserve profitability, along with an engaged culture of integrity and commitment to community development. In 2026, Busey was recognized among the World\u2019s Top Performing Banks by Forbes<\/em> and American Banker<\/em>\u2019s Top-Performing Banks with $10 to $50 billion in assets. Additionally, American Banker<\/em> has named Busey a Best Bank to Work For since 2016 while Pensions and Investments<\/em> has recognized Busey as a Best Place to Work in Money Management since 2018. At the local level, Busey is continually honored among the Best Places to Work in Illinois (since 2016), Best Companies to Work For in Florida (since 2017) and Best Places to Work in Indiana (since 2024).<\/p>\n

\n NON-GAAP FINANCIAL INFORMATION<\/strong>\n <\/p>\n

This earnings release contains certain financial information determined by methods other than GAAP. Management uses these non-GAAP measures, together with the related GAAP measures, in analysis of Busey\u2019s performance and in making business decisions, as well as for comparison to Busey\u2019s peers. Busey believes the adjusted measures are useful for investors and management to understand the effects of certain non-core and non-recurring items and provide additional perspective on Busey\u2019s performance over time.<\/p>\n

The following tables present reconciliations between these non-GAAP measures and what management believes to be the most directly comparable GAAP financial measures.<\/p>\n

These non-GAAP disclosures have inherent limitations and are not audited. They should not be considered in isolation or as a substitute for operating results reported in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Tax-effected numbers included in these non-GAAP disclosures are based on estimated statutory rates, estimated federal income tax rates, or effective tax rates, as noted in the tables below.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n RECONCILIATION OF NON-GAAP FINANCIAL MEASURES (Unaudited)
<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Adjusted\u00a0Net\u00a0Income and Adjusted\u00a0Diluted\u00a0Earnings\u00a0Per\u00a0Common\u00a0Share<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Nine\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands, except per share amounts)<\/em>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Net income (GAAP)<\/strong>\n <\/td>\n[a]<\/td>\n$<\/td>\n55,845<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n63,176<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n57,098<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n169,002<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n74,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
Day 2 provision for credit losses(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,572<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjustment of initial provision for unfunded commitments due to adoption of new model(ii)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,030<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other acquisition (income) expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,132<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,251<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,572<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,877<\/td>\n\u00a0<\/td>\n<\/tr>\n
Restructuring expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(31<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,930<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,355<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net securities (gains) losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n703<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,445<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(802<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,059<\/td>\n\u00a0<\/td>\n<\/tr>\n
Related tax benefit(iii)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(451<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(170<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,141<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,031<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(29,181<\/td>\n)<\/td>\n<\/tr>\n
Non-recurring deferred tax adjustment(iv)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,919<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted net income (Non-GAAP)<\/td>\n[b]<\/td>\n\u00a0<\/td>\n57,198<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63,687<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62,496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n184,096<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n159,788<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred dividends<\/td>\n[c]<\/td>\n\u00a0<\/td>\n4,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,590<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,768<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,286<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted net income available to common stockholders (Non-GAAP)<\/td>\n[d]<\/td>\n$<\/td>\n52,609<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n59,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n57,365<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n170,328<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n154,502<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Weighted average number of common shares outstanding, diluted (GAAP)<\/strong>\n <\/td>\n[e]<\/td>\n\u00a0<\/td>\n83,733,110<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n85,385,382<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90,218,382<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n85,634,496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,609,999<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Diluted earnings per common share (GAAP)<\/strong>\n <\/td>\n[(a-c)\u00f7e]<\/td>\n$<\/td>\n0.61<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.81<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.83<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted diluted earnings per common share (Non-GAAP)<\/td>\n[d\u00f7e]<\/td>\n$<\/td>\n0.63<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.64<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.99<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.85<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nThe Day\u00a02 provision represents the initial provision for credit losses recorded in connection with the CrossFirst acquisition to establish an allowance on non-PCD loans and unfunded commitments and is reflected within the provision for credit losses line on the Statements of Income.<\/td>\n<\/tr>\n
(ii)<\/td>\n\u00a0<\/td>\nIn the second quarter of 2025, Busey recorded an adjustment to the initial provision for unfunded commitments for CrossFirst acquisition-date balances based on revised estimates resulting from implementation of a new CECL model.<\/td>\n<\/tr>\n
(iii)<\/td>\n\u00a0<\/td>\nTax benefits were calculated using tax rates of 25.0% and 26.6% for the nine months ended September 30, 2026 and 2025, respectively. Tax benefits for quarterly periods were calculated as the year-to-date tax amounts less the tax reported for previous quarters during the year.<\/td>\n<\/tr>\n
(iv)<\/td>\n\u00a0<\/td>\nA deferred tax valuation adjustment was recorded in the first quarter of 2025 in connection with the CrossFirst acquisition and the expansion of Busey\u2019s footprint into new states. Additionally, 2025 included a write-off of deferred tax assets related to non-deductible compensation and acquisition-related expenses. Deferred tax adjustments are reflected within the income taxes line on the Statements of Income.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Return\u00a0On\u00a0Average\u00a0Assets, Return\u00a0On\u00a0Average\u00a0Tangible\u00a0Common\u00a0Equity,\u00a0and Related\u00a0Adjusted\u00a0Return\u00a0Measures<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\n \u00a0<\/strong>\n <\/td>\n\n Nine\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\n \u00a0<\/strong>\n <\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Net income (GAAP)<\/strong>\n <\/td>\n[a]<\/td>\n$<\/td>\n55,845<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n63,176<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n57,098<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n169,002<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n74,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,674<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,182<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax effect of amortization of intangible assets(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,038<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,058<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,210<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,169<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,245<\/td>\n)<\/td>\n<\/tr>\n
Preferred dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,589<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,590<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,131<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13,768<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,286<\/td>\n)<\/td>\n<\/tr>\n
Tangible net income available to common stockholders (Non-GAAP)<\/td>\n[b]<\/td>\n$<\/td>\n54,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n61,760<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n55,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n164,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n78,163<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted net income (Non-GAAP)(ii)<\/sup><\/td>\n[c]<\/td>\n$<\/td>\n57,198<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n63,687<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62,496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n184,096<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n159,788<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,507<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,674<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,182<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax effect of amortization of intangible assets(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,038<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,058<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,210<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,169<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,245<\/td>\n)<\/td>\n<\/tr>\n
Preferred dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,589<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,590<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,131<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13,768<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,286<\/td>\n)<\/td>\n<\/tr>\n
Adjusted tangible net income available to common stockholders (Non-GAAP)<\/td>\n[d]<\/td>\n$<\/td>\n55,722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62,271<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n60,662<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n179,833<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n163,439<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average total assets<\/td>\n[e]<\/td>\n$<\/td>\n18,470,939<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,887,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,662,449<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,140,923<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,534,644<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average assets (Non-GAAP)(iii)<\/sup><\/td>\n[a\u00f7e]<\/td>\n\u00a0<\/td>\n1.20<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.42<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.21<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.57<\/td>\n%<\/td>\n<\/tr>\n
Adjusted return on average assets (Non-GAAP)(iii)<\/sup><\/td>\n[c\u00f7e]<\/td>\n\u00a0<\/td>\n1.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.43<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.36<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.22<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average common equity<\/td>\n\u00a0<\/td>\n$<\/td>\n2,138,564<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,183,290<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,210,711<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,191,883<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,109,046<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(469,792<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(474,043<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(486,625<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(474,207<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(464,316<\/td>\n)<\/td>\n<\/tr>\n
Average tangible common equity (Non-GAAP)<\/td>\n[f]<\/td>\n$<\/td>\n1,668,772<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,709,247<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,724,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,717,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,644,730<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible common equity (Non-GAAP)(iii, iv)<\/sup><\/td>\n[b\u00f7f]<\/td>\n\u00a0<\/td>\n12.93<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.72<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.82<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.35<\/td>\n%<\/td>\n<\/tr>\n
Adjusted return on average tangible common equity (Non-GAAP)(iii, iv)<\/sup><\/td>\n[d\u00f7f]<\/td>\n\u00a0<\/td>\n13.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.61<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.00<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.29<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nTax effects were calculated using income tax rates of 25.0% and 26.6% for the nine months ended September 30, 2026 and 2025, respectively. Tax effects for quarterly periods were calculated as the year-to-date tax amounts less the tax reported for previous quarters during the year.<\/td>\n<\/tr>\n
(ii)<\/td>\n\u00a0<\/td>\nA reconciliation is provided on the previous table.<\/td>\n<\/tr>\n
(iii)<\/td>\n\u00a0<\/td>\nAnnualized measure.<\/td>\n<\/tr>\n
(iv)<\/td>\n\u00a0<\/td>\nBeginning in 2026, Busey revised, for all periods presented, its calculation of return on average tangible common equity and adjusted return on average tangible common equity to eliminate the effects of intangible asset amortization from the numerator of both calculations.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Net\u00a0Interest\u00a0Margin\u00a0and Adjusted\u00a0Net\u00a0Interest\u00a0Margin<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Nine\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Net interest income (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n153,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n152,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n155,137<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n459,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n412,051<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-equivalent adjustment(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n851<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,569<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,116<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-equivalent net interest income (Non-GAAP)<\/td>\n[a]<\/td>\n\u00a0<\/td>\n153,996<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,243<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155,925<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n462,085<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n414,167<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchase accounting accretion related to business combinations<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,199<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,150<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,854<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(14,743<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(15,701<\/td>\n)<\/td>\n<\/tr>\n
Adjusted net interest income (Non-GAAP)<\/td>\n[b]<\/td>\n$<\/td>\n148,797<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n149,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n150,071<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n447,342<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n398,466<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average interest-earning assets (Non-GAAP)<\/td>\n[c]<\/td>\n$<\/td>\n17,056,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,508,372<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,272,362<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,744,898<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,126,422<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin (Non-GAAP)(ii)<\/sup><\/td>\n[a\u00f7c]<\/td>\n\u00a0<\/td>\n3.58<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.72<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.58<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.43<\/td>\n%<\/td>\n<\/tr>\n
Adjusted net interest margin (Non-GAAP)(ii)<\/sup><\/td>\n[b\u00f7c]<\/td>\n\u00a0<\/td>\n3.46<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.62<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.45<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.30<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nTax-equivalent adjustments were calculated using an estimated federal income tax rate of 21%, applied to non-taxable interest income on investments and loans.<\/td>\n<\/tr>\n
(ii)<\/td>\n\u00a0<\/td>\nAnnualized measure.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Pre-Provision\u00a0Net\u00a0Revenue and Related Measures<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Nine\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Net interest income (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n153,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n152,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n155,137<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n459,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n412,051<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Total noninterest income (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,198<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n126,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n107,284<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Net security (gains) losses (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n703<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,445<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(802<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,059<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Total noninterest expense (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(111,398<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(112,635<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(120,018<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(353,552<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(359,881<\/td>\n)<\/td>\n<\/tr>\n
Pre-provision net revenue (Non-GAAP)<\/td>\n[a]<\/td>\n\u00a0<\/td>\n82,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n81,633<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n76,605<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n232,140<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n169,513<\/td>\n\u00a0<\/td>\n<\/tr>\n
Acquisition and restructuring (income) expenses, excluding initial provision expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,126<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,251<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,927<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,877<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted pre-provision net revenue (Non-GAAP)<\/td>\n[b]<\/td>\n$<\/td>\n83,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n84,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n83,856<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n253,067<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n219,390<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average total assets<\/td>\n[c]<\/td>\n$<\/td>\n18,470,939<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,887,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,662,449<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,140,923<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,534,644<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-provision net revenue to average total assets (Non-GAAP)(i)<\/sup><\/td>\n[a\u00f7c]<\/td>\n\u00a0<\/td>\n1.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.83<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.71<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.29<\/td>\n%<\/td>\n<\/tr>\n
Adjusted pre-provision net revenue to average total assets (Non-GAAP)(i)<\/sup><\/td>\n[b\u00f7c]<\/td>\n\u00a0<\/td>\n1.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.90<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.87<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.67<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nAnnualized measure.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Efficiency\u00a0Ratio<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Nine\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Net interest income (GAAP)<\/strong>\n <\/td>\n[a]<\/td>\n$<\/td>\n153,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n152,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n155,137<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n459,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n412,051<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-equivalent adjustment(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n851<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,569<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,116<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-equivalent net interest income (Non-GAAP)<\/td>\n[b]<\/td>\n\u00a0<\/td>\n153,996<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,243<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155,925<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n462,085<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n414,167<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Total noninterest income (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41,198<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n126,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n107,284<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net security (gains) losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n703<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,445<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(802<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,059<\/td>\n\u00a0<\/td>\n<\/tr>\n
Acquisition and restructuring (gain) loss<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted noninterest income (Non-GAAP)<\/td>\n[c]<\/td>\n$<\/td>\n41,105<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n41,866<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n41,530<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n126,176<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n117,387<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating revenue (Non-GAAP)<\/td>\n[d = a+c]<\/td>\n$<\/td>\n194,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n194,268<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n196,667<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n585,692<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n529,438<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-equivalent operating revenue (Non-GAAP)(ii)<\/sup><\/td>\n[e = b+c]<\/td>\n\u00a0<\/td>\n195,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n195,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n197,455<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n588,261<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n531,554<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted noninterest income to operating revenue (Non-GAAP)<\/td>\n[c\u00f7d]<\/td>\n\u00a0<\/td>\n21.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.17<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Total noninterest expense (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n111,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n112,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n120,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n353,552<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n359,881<\/td>\n\u00a0<\/td>\n<\/tr>\n
Acquisition and restructuring expenses, excluding initial provision expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,101<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,126<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,207<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(20,927<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(49,833<\/td>\n)<\/td>\n<\/tr>\n
Adjusted noninterest expense (Non-GAAP)(iii)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n110,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n109,509<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n112,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n332,625<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n310,048<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,151<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,232<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,507<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12,674<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12,182<\/td>\n)<\/td>\n<\/tr>\n
Adjusted noninterest expense excluding amortization of intangible assets (Non-GAAP)(iv)<\/sup><\/td>\n[f]<\/td>\n$<\/td>\n106,146<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n105,277<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n108,304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n319,951<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n297,866<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Efficiency ratio (Non-GAAP)(v)<\/sup><\/td>\n[f\u00f7e]<\/td>\n\u00a0<\/td>\n54.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n53.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54.39<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n56.04<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

___________________________________________<\/p>\n\n\n\n\n\n\n\n
(i)<\/td>\n\u00a0<\/td>\nTax-equivalent adjustments were calculated using an estimated federal income tax rate of 21%, applied to non-taxable interest income on investments and loans.<\/td>\n<\/tr>\n
(ii)<\/td>\n\u00a0<\/td>\nBeginning in 2026, Busey changed the caption for this revenue measure, which was previously called \u201cadjusted tax-equivalent revenue.\u201d The calculation itself has not changed.<\/td>\n<\/tr>\n
(iii)<\/td>\n\u00a0<\/td>\nBeginning in 2026, to better align with industry standards, Busey revised its calculation of adjusted noninterest expense, for all periods presented, to exclude any adjustment for amortization of intangible assets.<\/td>\n<\/tr>\n
(iv)<\/td>\n\u00a0<\/td>\nBeginning in 2026, Busey changed the caption for the efficiency ratio numerator from \u201cadjusted noninterest expense\u201d to \u201cadjusted noninterest expense excluding amortization of intangible assets.\u201d The calculation itself has not changed.<\/td>\n<\/tr>\n
(v)<\/td>\n\u00a0<\/td>\nBeginning in 2026, Busey now reports a single efficiency ratio, which was previously reported as the \u201cadjusted efficiency ratio.\u201d<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Tangible\u00a0Common\u00a0Equity,\u00a0and Related\u00a0Measures\u00a0and\u00a0Ratio<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n As of<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands, except per share amounts)<\/em>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Total assets (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n18,558,606<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,191,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,188,628<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(467,137<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(471,288<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(485,203<\/td>\n)<\/td>\n<\/tr>\n
Tangible assets (Non-GAAP)(i)<\/sup><\/td>\n[a]<\/td>\n$<\/td>\n18,091,469<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,720,579<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,703,425<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Total stockholders\u2019 equity (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n2,256,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,383,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,448,835<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock and additional paid in capital on preferred stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(215,197<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(215,197<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(215,197<\/td>\n)<\/td>\n<\/tr>\n
Common equity<\/td>\n[b]<\/td>\n\u00a0<\/td>\n2,041,082<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,167,973<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,233,638<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(467,137<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(471,288<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(485,203<\/td>\n)<\/td>\n<\/tr>\n
Tangible common equity (Non-GAAP)<\/td>\n[c]<\/td>\n$<\/td>\n1,573,945<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,696,685<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,748,435<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible common equity to tangible assets (Non-GAAP)<\/td>\n[c\u00f7a]<\/td>\n\u00a0<\/td>\n8.70<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.88<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Ending number of common shares outstanding (GAAP)<\/td>\n[d]<\/td>\n\u00a0<\/td>\n81,276,654<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n83,189,501<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88,789,043<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per common share (Non-GAAP)<\/td>\n[b\u00f7d]<\/td>\n$<\/td>\n25.11<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26.06<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25.16<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per common share (Non-GAAP)<\/td>\n[c\u00f7d]<\/td>\n$<\/td>\n19.37<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20.40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19.69<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Core\u00a0Deposits\u00a0and Related\u00a0Ratio<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n As of<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Total deposits (GAAP)<\/strong>\n <\/td>\n[a]<\/td>\n$<\/td>\n15,537,566<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,128,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,070,162<\/td>\n\u00a0<\/td>\n<\/tr>\n
Brokered deposits, excluding brokered time deposits of more than $250,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(10,000<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(60,043<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(125,432<\/td>\n)<\/td>\n<\/tr>\n
Time deposits of more than $250,000<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(920,142<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(896,354<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(807,378<\/td>\n)<\/td>\n<\/tr>\n
Core deposits (Non-GAAP)<\/td>\n[b]<\/td>\n$<\/td>\n14,607,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,172,348<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,137,352<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Core deposits to total deposits (Non-GAAP)<\/td>\n[b\u00f7a]<\/td>\n\u00a0<\/td>\n94.01<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93.68<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93.81<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n FORWARD-LOOKING STATEMENTS<\/strong>\n <\/p>\n

This press release may contain \u201cforward-looking statements\u201d within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to Busey\u2019s financial condition, results of operations, plans, objectives, future performance, and business. Forward-looking statements, which may be based upon beliefs, expectations and assumptions of Busey\u2019s management and on information currently available to management, are generally identifiable by the use of words such as \u201cbelieve,\u201d \u201cexpect,\u201d \u201canticipate,\u201d \u201cplan,\u201d \u201cintend,\u201d \u201cestimate,\u201d \u201cmay,\u201d \u201cwill,\u201d \u201cwould,\u201d \u201ccould,\u201d \u201cshould,\u201d \u201cposition,\u201d or other similar expressions. Additionally, all statements in this document, including forward-looking statements, speak only as of the date they are made, and Busey undertakes no obligation to update any statement in light of new information or future events.<\/p>\n

A number of factors, many of which are beyond Busey\u2019s ability to control or predict, could cause actual results to differ materially from those in any forward-looking statements. These factors include, among others, the following: (1)\u00a0the strength of the local, state, national, and international economies and financial markets (including effects of inflationary pressures, the threat or implementation of tariffs, trade wars, and changes to immigration policy); (2)\u00a0changes in, and the interpretation and prioritization of, local, state, and federal laws, regulations, and governmental policies (including those concerning Busey’s general business); (3)\u00a0the economic impact of any future terrorist threats or attacks, widespread disease or pandemics, military conflicts, acts of war or threats thereof, or other adverse external events that could increase levels of political and economic unpredictability, contribute to rising energy and commodity prices, affect global supply chains, increase the volatility of financial markets, and other matters beyond our control (including the conflicts in the Middle East and Russia\u2019s invasion of Ukraine); (4)\u00a0unexpected results of acquisitions, which may include the failure to realize the anticipated benefits of the acquisitions and the possibility that the transaction and integration costs may be greater than anticipated; (5)\u00a0the imposition of tariffs or other governmental policies impacting the value of products produced by Busey’s commercial borrowers; (6)\u00a0the impact of bank failures or adverse developments at other banks and related negative publicity about the banking industry, including investor and depositor sentiment regarding bank stability and liquidity; (7)\u00a0new or revised accounting policies and practices as may be adopted by state and federal regulatory banking agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission, or the Public Company Accounting Oversight Board; (8)\u00a0changes in interest rates and prepayment rates of Busey\u2019s assets (including as a result of the recent increase in the benchmark federal funds rate by the Federal Reserve); (9)\u00a0increased competition in the financial services sector (including from non-bank competitors such as credit unions, digital asset service providers, private credit, and fintech companies) and the inability to attract new customers; (10)\u00a0technological changes implemented by us and other parties, including our third-party vendors, which may have unforeseen consequences to us and our customers, including the development and implementation of tools incorporating artificial intelligence; (11)\u00a0the loss of key executives or associates, talent shortages, and employee turnover; (12)\u00a0unexpected outcomes and costs of existing or new litigation, investigations, or other legal proceedings, inquiries, and regulatory actions involving Busey (including with respect to Busey\u2019s Illinois franchise taxes); (13)\u00a0fluctuations in the value of securities held in Busey\u2019s securities portfolio, including as a result of changes in interest rates; (14)\u00a0credit risk and risk from concentrations (by type of borrower, geographic area, collateral, and industry) within Busey’s loan portfolio and large loans to certain borrowers (including commercial real estate loans); (15)\u00a0the concentration of large deposits from certain clients who have balances above current Federal Deposit Insurance Corporation insurance limits and may withdraw deposits to diversify their exposure; (16)\u00a0the level of non-performing assets on Busey\u2019s balance sheets; (17)\u00a0interruptions involving information technology and communications systems or third-party vendors; (18)\u00a0breaches or failures of information security controls or cybersecurity-related incidents; (19)\u00a0the availability of future equity and debt issuances and other capital raising opportunities on favorable terms; (20)\u00a0the economic impact on Busey and its customers of climate change, natural disasters, and exceptional weather occurrences such as tornadoes, hurricanes, floods, blizzards, and droughts; (21)\u00a0the ability to successfully manage liquidity risk, which may increase dependence on non-core funding sources such as brokered deposits, and may negatively impact Busey’s cost of funds; (22)\u00a0the ability to maintain an adequate level of allowance for credit losses on loans; (23)\u00a0the effectiveness of Busey\u2019s risk management framework; and (24)\u00a0the ability of Busey to manage the risks associated with the foregoing. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements.<\/p>\n

Additional information concerning Busey and its business, including additional factors that could materially affect Busey\u2019s financial results, is included in Busey\u2019s filings with the Securities and Exchange Commission.<\/p>\n

\n END NOTES<\/strong>\n <\/p>\n\n\n\n\n\n\n\n
1<\/td>\n\u00a0<\/td>\nAnnualized measure.<\/td>\n<\/tr>\n
2<\/td>\n\u00a0<\/td>\nRepresents a non-GAAP financial measure. For a reconciliation to the most directly comparable financial measure calculated and presented in accordance with Generally Accepted Accounting Principles (\u201cGAAP\u201d), see “Non-GAAP Financial Information.\u201d<\/td>\n<\/tr>\n
3<\/td>\n\u00a0<\/td>\nCapital amounts and ratios as of September\u00a030, 2026, are not yet finalized and are subject to change.<\/td>\n<\/tr>\n
4<\/td>\n\u00a0<\/td>\nThe blended benchmark consists of 60% MSCI All Country World Index and 40% Bloomberg Intermediate US Government\/Credit Total Return Index.<\/td>\n<\/tr>\n
5<\/td>\n\u00a0<\/td>\nOn- and off-balance sheet liquidity is comprised of cash and cash equivalents, debt securities excluding those pledged as collateral, brokered deposits, and Busey\u2019s borrowing capacity through its revolving credit facility, the FHLB, the Federal Reserve Bank, and federal funds purchased lines.<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

INVESTOR CONTACT: Tate McKay, Director of Investor Relations and Corporate Development | 217-351-6709<\/p>\n

\"\"
\n
\n \"\"\n <\/div>\n

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LEAWOOD, Kan., Oct. 27, 2026 (GLOBE NEWSWIRE) — First Busey Corporation (Nasdaq: BUSE) Announces 2026 Third Quarter Earnings. Net Income \u00a0 Diluted EPS \u00a0 Net Interest Margin 1 \u00a0 ROAA 1 \u00a0 ROATCE 1 $55.8 million $57.2\u00a0million (adj)2 \u00a0 $0.61 $0.63 (adj)2 \u00a0 3.58% 2 3.46% (adj)2 \u00a0 1.20% 2 1.23% (adj)2 \u00a0 12.93% 2 13.25% (adj)2 \u00a0 MESSAGE FROM OUR CHAIRMAN, PRESIDENT & CEO \u00a0 \u00a0 Busey reported adjusted diluted EPS2 of $0.63. Results were impacted by a single commercial relationship in the Central region that incurred a partial charge-off and moved to non-accrual this quarter. Quarterly provision expense increased to $9.6\u00a0million, compared to $2.2\u00a0million in the prior quarter, primarily as a result of this credit. Excluding this relationship, … <\/p>\n

Continue reading “First Busey Corporation Announces 2026 Third Quarter Earnings”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1014386","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nFirst Busey Corporation Announces 2026 Third Quarter Earnings - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/first-busey-corporation-announces-2026-third-quarter-earnings\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"First Busey Corporation Announces 2026 Third Quarter Earnings - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"LEAWOOD, Kan., Oct. 27, 2026 (GLOBE NEWSWIRE) — First Busey Corporation (Nasdaq: BUSE) Announces 2026 Third Quarter Earnings. Net Income \u00a0 Diluted EPS \u00a0 Net Interest Margin 1 \u00a0 ROAA 1 \u00a0 ROATCE 1 $55.8 million $57.2\u00a0million (adj)2 \u00a0 $0.61 $0.63 (adj)2 \u00a0 3.58% 2 3.46% (adj)2 \u00a0 1.20% 2 1.23% (adj)2 \u00a0 12.93% 2 13.25% (adj)2 \u00a0 MESSAGE FROM OUR CHAIRMAN, PRESIDENT & CEO \u00a0 \u00a0 Busey reported adjusted diluted EPS2 of $0.63. Results were impacted by a single commercial relationship in the Central region that incurred a partial charge-off and moved to non-accrual this quarter. Quarterly provision expense increased to $9.6\u00a0million, compared to $2.2\u00a0million in the prior quarter, primarily as a result of this credit. 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