{"id":986063,"date":"2026-07-28T17:38:43","date_gmt":"2026-07-28T21:38:43","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/first-busey-corporation-announces-2026-second-quarter-earnings\/"},"modified":"2026-07-28T17:38:43","modified_gmt":"2026-07-28T21:38:43","slug":"first-busey-corporation-announces-2026-second-quarter-earnings","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/first-busey-corporation-announces-2026-second-quarter-earnings\/","title":{"rendered":"First Busey Corporation Announces 2026 Second Quarter Earnings"},"content":{"rendered":"
\n

LEAWOOD, Kan., July 28, 2026 (GLOBE NEWSWIRE) — First Busey Corporation (Nasdaq: BUSE) Announces 2026 Second 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 1<\/sup>\n <\/td>\n		\u00a0<\/td>\n\n ROAA<\/strong>
\n 1<\/sup>\n <\/td>\n		\u00a0<\/td>\n\n ROATCE<\/strong>
\n 1<\/sup>\n <\/td>\n<\/tr>\n
\n $63.2 million<\/strong><\/p>\n

$63.7\u00a0million<\/strong> (adj)2<\/sup><\/td>\n

\u00a0<\/td>\n\n $0.69<\/strong><\/p>\n

$0.69<\/strong> (adj)2<\/sup><\/td>\n

\u00a0<\/td>\n\n 3.72%<\/strong>
\n 2<\/sup><\/p>\n

3.62%<\/strong> (adj)2<\/sup><\/td>\n

\u00a0<\/td>\n\n 1.42%<\/strong>
\n 2<\/sup><\/p>\n

1.43%<\/strong> (adj)2<\/sup><\/td>\n

\u00a0<\/td>\n\n 14.49%<\/strong>
\n 2<\/sup><\/p>\n

14.61%<\/strong> (adj)2<\/sup><\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\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 delivered a strong second quarter, with adjusted diluted EPS2<\/sup> of $0.69, up 9.5% year-over-year. Profitability continued to expand, as adjusted return on average assets2<\/sup> improved by 22\u00a0basis points to 1.43% and adjusted return on average tangible common equity2<\/sup> improved by 20\u00a0basis points to 14.61%. Adjusted net interest margin2<\/sup> rose by 29\u00a0basis points year-over-year to 3.62%, easing just 2\u00a0basis points from the prior quarter. Wealth Management posted its third consecutive record quarter in fee income, with net inflows complementing rising market valuations to close the quarter with $16.51\u00a0billion in assets under care. Expense discipline drove a 134\u00a0basis point year-over-year improvement in the efficiency ratio2<\/sup>, to 54.0%.<\/p>\n

Capital strengthened further with Common Equity Tier 1 Capital to Risk Weighted Assets3<\/sup> rising to 12.53%, even after share repurchases of $128.8\u00a0million year to date, including $63.1\u00a0million this quarter. Tangible book value per common share2<\/sup> grew 6.4% year-over-year to $20.40 and 11.7% inclusive of dividends. Deposit growth was significant at 11% annualized during the quarter and demonstrates the primacy and depth of our client relationships. Our conservative approach to credit risk management has led to strong and stable asset quality with net charge-offs at 0.19%.<\/p>\n

As we enter the second half of 2026, Busey\u2019s indomitable balance sheet provides the flexibility to support our clients in a volatile environment while continuing to optimize capital allocation to drive 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<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\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)<\/strong>
\n <\/em>\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 Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands, except per share amounts)<\/em>\n <\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n March 31,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June\u00a030,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n<\/tr>\n
Total interest income<\/td>\n$<\/td>\n224,425<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n225,485<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n247,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n449,910<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n414,261<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest expense<\/td>\n\u00a0<\/td>\n72,023<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n71,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94,263<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n143,539<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n157,347<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n152,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,183<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n306,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n256,914<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n2,189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,058<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,700<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,247<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n51,293<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income after provision for credit losses<\/td>\n\u00a0<\/td>\n150,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n150,911<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n147,483<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n301,124<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n205,621<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest income<\/td>\n\u00a0<\/td>\n44,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,863<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n86,576<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,086<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest expense<\/td>\n\u00a0<\/td>\n112,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,519<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n127,833<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n242,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n239,863<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income before income taxes<\/td>\n\u00a0<\/td>\n81,889<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63,657<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64,513<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n145,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,844<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income taxes<\/td>\n\u00a0<\/td>\n18,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,389<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,430<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n63,176<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n47,404<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n113,157<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,414<\/td>\n\u00a0<\/td>\n<\/tr>\n
Dividends on preferred stock<\/td>\n\u00a0<\/td>\n4,590<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,179<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n$<\/td>\n58,586<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n45,392<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n47,249<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n103,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,259<\/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$<\/td>\n0.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.21<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.22<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n0.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.20<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.22<\/td>\n\u00a0<\/td>\n<\/tr>\n
Effective income tax rate<\/td>\n\u00a0<\/td>\n22.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.48<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45.31<\/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

Second quarter 2026 net income for First Busey Corporation, together with its consolidated subsidiaries (\u201cBusey,\u201d the \u201cCompany,\u201d \u201cwe,\u201d \u201cus,\u201d or \u201cour\u201d) was $63.2\u00a0million, or $0.69 per diluted common share, compared to net income of $50.0\u00a0million, or $0.52 per diluted common share, for the first quarter of 2026, and $47.4\u00a0million, or $0.52 per diluted common share, for the second quarter of 2025. Annualized return on average assets2<\/sup> and annualized return on average tangible common equity2<\/sup> were 1.42% and 14.49%, respectively, for the second quarter of 2026.<\/p>\n

Pre-provision net revenue2<\/sup> was $81.6 million for the second quarter of 2026, compared to $67.7 million for the first quarter of 2026 and $64.2 million for the second quarter of 2025. Pre-provision net revenue to average assets2<\/sup> was 1.83% for the second quarter of 2026, compared to 1.52% for the first quarter of 2026, and 1.35% for the second 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
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n March 31,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2025<\/strong>\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<\/tr>\n
Net securities (gains) losses<\/td>\n$<\/td>\n(2,445<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n940<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(5,997<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n(1,505<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n9,771<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,030<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,602<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n2,045<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,124<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,557<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,169<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,435<\/td>\n\u00a0<\/td>\n<\/tr>\n
Data processing<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n80<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,964<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n80<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,266<\/td>\n\u00a0<\/td>\n<\/tr>\n
Furniture and equipment expenses<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional fees<\/td>\n\u00a0<\/td>\n704<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n317<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n823<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,611<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other noninterest expense<\/td>\n\u00a0<\/td>\n377<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n377<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n761<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,313<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total pre-tax non-GAAP adjustments to net income<\/td>\n$<\/td>\n681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,640<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,633<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,321<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n101,999<\/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 $63.7\u00a0million, or $0.69 per diluted common share, for the second quarter of 2026, compared to $63.2\u00a0million, or $0.67 per diluted common share, for the first quarter of 2026 and $57.4\u00a0million, or $0.63 per diluted common share, for the second quarter of 2025. Annualized adjusted return on average assets2<\/sup> and annualized adjusted return on average tangible common equity2<\/sup> were 1.43% and 14.61%, respectively, for the second quarter of 2026.<\/p>\n

Adjusted pre-provision net revenue2<\/sup> was $84.8 million for the second quarter of 2026, compared to $84.4 million for the first quarter of 2026 and $80.8 million for the second quarter of 2025. Adjusted pre-provision net revenue to average assets2<\/sup> was 1.90% for the second quarter of 2026, compared to 1.89% for the first quarter of 2026 and 1.70% for the second 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 decreased by $1.6 million in the second quarter of 2026, compared to the first quarter of 2026, driven largely by lower purchase accounting accretion of $1.2 million. Lower average loan balances led to a decrease in average earning assets during the quarter. Deposit funding costs were 1 basis point lower during the quarter largely due to continued tailwinds from time deposit repricing. Based on our most recent Asset Liability Management Committee model, a +100 basis point parallel rate shock is expected to increase net interest income by 1.8% (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 $392.7 million, or 2.7%, as a result of seasonal public funds inflows and strategic efforts to grow core customer deposits. At June 30, 2026, Busey Bank had $60.0 million of brokered funding, comprising 0.4% of total deposits, consistent with last quarter. Total deposit cost of funds decreased from 1.81% during the first quarter of 2026 to 1.80% during the second quarter of 2026. Deposit inflows allowed for reduction of borrowings by $184.6 million compared to the first quarter of 2026. Busey\u2019s average total cost of funds was 1.89% for the second quarter of 2026, and spot total cost of funds was 1.92% at June 30, 2026.<\/p>\n

\n
\n Net Interest Margin<\/em>
\n <\/strong>
\n 2<\/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 June 30, 2026<\/strong>\n <\/td>\n\u00a0<\/td>\n\n March 31, 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$<\/td>\n123,868<\/td>\n\u00a0<\/td>\n$<\/td>\n1,057<\/td>\n\u00a0<\/td>\n3.42<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n139,204<\/td>\n\u00a0<\/td>\n$<\/td>\n1,222<\/td>\n\u00a0<\/td>\n3.56<\/td>\n%<\/td>\n<\/tr>\n
Investment securities(i)(ii)<\/sup><\/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\u00a0<\/td>\n\u00a0<\/td>\n2,918,240<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,289<\/td>\n\u00a0<\/td>\n3.24<\/td>\n%<\/td>\n<\/tr>\n
Restricted bank stock<\/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\u00a0<\/td>\n\u00a0<\/td>\n81,619<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n880<\/td>\n\u00a0<\/td>\n4.37<\/td>\n%<\/td>\n<\/tr>\n
Loans held for sale<\/td>\n\u00a0<\/td>\n8,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122<\/td>\n\u00a0<\/td>\n5.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,072<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n73<\/td>\n\u00a0<\/td>\n5.84<\/td>\n%<\/td>\n<\/tr>\n
Portfolio loans(i)(iii)<\/sup><\/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\u00a0<\/td>\n\u00a0<\/td>\n13,521,631<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n200,898<\/td>\n\u00a0<\/td>\n6.03<\/td>\n%<\/td>\n<\/tr>\n
Total interest-earning assets(i)<\/sup><\/td>\n\u00a0<\/td>\n16,508,372<\/td>\n\u00a0<\/td>\n$<\/td>\n225,266<\/td>\n\u00a0<\/td>\n5.47<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,665,766<\/td>\n\u00a0<\/td>\n$<\/td>\n226,362<\/td>\n\u00a0<\/td>\n5.51<\/td>\n%<\/td>\n<\/tr>\n
Noninterest-earning assets<\/td>\n\u00a0<\/td>\n1,378,725<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,394,454<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n$<\/td>\n17,887,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,060,220<\/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$<\/td>\n3,203,014<\/td>\n\u00a0<\/td>\n$<\/td>\n13,463<\/td>\n\u00a0<\/td>\n1.69<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n3,124,068<\/td>\n\u00a0<\/td>\n$<\/td>\n12,505<\/td>\n\u00a0<\/td>\n1.62<\/td>\n%<\/td>\n<\/tr>\n
Savings and money market deposits<\/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\u00a0<\/td>\n\u00a0<\/td>\n5,687,520<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,964<\/td>\n\u00a0<\/td>\n2.28<\/td>\n%<\/td>\n<\/tr>\n
Time deposits<\/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\u00a0<\/td>\n\u00a0<\/td>\n2,409,136<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,557<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n<\/tr>\n
Federal funds purchased and repurchase agreements<\/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\u00a0<\/td>\n\u00a0<\/td>\n160,822<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n896<\/td>\n\u00a0<\/td>\n2.26<\/td>\n%<\/td>\n<\/tr>\n
Borrowings(iv)<\/sup><\/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\u00a0<\/td>\n\u00a0<\/td>\n391,965<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,594<\/td>\n\u00a0<\/td>\n4.75<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing liabilities<\/td>\n\u00a0<\/td>\n11,781,056<\/td>\n\u00a0<\/td>\n$<\/td>\n72,023<\/td>\n\u00a0<\/td>\n2.45<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,773,511<\/td>\n\u00a0<\/td>\n$<\/td>\n71,516<\/td>\n\u00a0<\/td>\n2.46<\/td>\n%<\/td>\n<\/tr>\n
Noninterest-bearing deposits<\/td>\n\u00a0<\/td>\n3,467,436<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,536,830<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other liabilities<\/td>\n\u00a0<\/td>\n240,118<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n279,607<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n2,398,487<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,470,272<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and stockholders\u2019 equity<\/td>\n$<\/td>\n17,887,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,060,220<\/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$<\/td>\n153,243<\/td>\n\u00a0<\/td>\n3.72<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n154,846<\/td>\n\u00a0<\/td>\n3.77<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n
\n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
\n (i)<\/sup>\n <\/td>\n\n On a tax-equivalent basis and assuming a federal income tax rate of 21.0%.<\/sup>\n <\/td>\n<\/tr>\n
\n (ii)<\/sup>\n <\/td>\n\n Investment securities include debt securities available for sale, debt securities held to maturity, and equity securities.<\/sup>\n <\/td>\n<\/tr>\n
\n (iii)<\/sup>\n <\/td>\n\n Non-accrual loans have been included in average portfolio loans.<\/sup>\n <\/td>\n<\/tr>\n
\n (iv)<\/sup>\n <\/td>\n\n Includes, as applicable, short-term borrowings, long-term borrowings, subordinated notes, and junior subordinated debt owed to unconsolidated trusts.<\/sup>\n <\/td>\n<\/tr>\n
\n (v)<\/sup>\n <\/td>\n\n For a reconciliation of non-GAAP measures, see \u201cNon-GAAP Financial Information.\u201d<\/sup>\n <\/td>\n<\/tr>\n
\n (vi)<\/sup>\n <\/td>\n\n Annualized.<\/sup>\n <\/td>\n<\/tr>\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 Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n (dollars in thousands)<\/em>\n <\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n March 31,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2025<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2026<\/strong>\n <\/td>\n		\u00a0<\/td>\n\n June 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\u00a0<\/td>\n<\/tr>\n
Wealth management fees<\/td>\n$<\/td>\n19,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,370<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n39,351<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,141<\/td>\n\u00a0<\/td>\n<\/tr>\n
Payment technology solutions<\/td>\n\u00a0<\/td>\n4,968<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,956<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,045<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,029<\/td>\n\u00a0<\/td>\n<\/tr>\n
Treasury management services<\/td>\n\u00a0<\/td>\n4,789<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,456<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,569<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,245<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,406<\/td>\n\u00a0<\/td>\n<\/tr>\n
Capital markets income<\/td>\n\u00a0<\/td>\n1,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,254<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,242<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,579<\/td>\n\u00a0<\/td>\n<\/tr>\n
Card services and ATM fees<\/td>\n\u00a0<\/td>\n4,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,646<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,880<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,459<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,589<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other service charges on deposit accounts<\/td>\n\u00a0<\/td>\n1,407<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,513<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,913<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,046<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income on bank owned life insurance<\/td>\n\u00a0<\/td>\n1,637<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,253<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,191<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net securities gains (losses)<\/td>\n\u00a0<\/td>\n2,445<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(940<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,997<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,505<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,771<\/td>\n)<\/td>\n<\/tr>\n
Other noninterest income<\/td>\n\u00a0<\/td>\n2,400<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,163<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,172<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,563<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,876<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest income<\/td>\n$<\/td>\n44,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n42,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n44,863<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n86,576<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n66,086<\/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

Busey continues to benefit from its diverse set of product offerings. Total noninterest income increased by 4.8% compared to the first quarter of 2026, primarily due to increases in income from wealth management fees, treasury management services, and net securities gains, partially offset by declines in other noninterest income. Compared to the second quarter of 2025, total noninterest income decreased by 1.2%, primarily due to declines in net securities gains and other noninterest income, partially offset by increases in income from wealth management fees.<\/p>\n

Noteworthy changes in noninterest income during the quarter include:<\/p>\n

    \n
  • Wealth management fees increased by $0.6 million, or 3.2%, compared to the first quarter of 2026, primarily due to increases in income from trust fees and seasonal tax preparation fees, partially offset by seasonal declines in income from farm management fees. Compared to the second quarter of 2025, wealth management fees increased by $3.2 million, or 19.1%, with increases primarily attributable to trust fees.\n

    Busey\u2019s Wealth Management division ended the second quarter of 2026 with $16.51\u00a0billion in assets under care, compared to $15.65 billion at the end of the first quarter of 2026 and $14.10 billion at the end of the second 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<\/li>\n

  • Treasury management services increased by $0.3 million, or 7.5%, compared to the first quarter of 2026, primarily due to increases in income from analysis charges.\n<\/li>\n
  • Other noninterest income declined by $1.8 million, or 42.3%, compared to the first quarter of 2026, and declined by $0.8 million, or 24.3% compared to the second quarter of 2025. Declines were primarily due to decreases in income from private equity investments, mortgage revenue, and commercial loan sales gains.\n<\/li>\n<\/ul>\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 Six Months Ended<\/strong>
    \n
    \n
    \n <\/strong>\n <\/td>\n<\/tr>\n
    \n (dollars in thousands)<\/em>\n <\/td>\n\n June\u00a030,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n March\u00a031,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n June\u00a030,<\/strong>
    \n
    \n 2025<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n June 30,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n June 30,<\/strong>
    \n
    \n 2025<\/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$<\/td>\n67,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n85,230<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n78,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n152,907<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n145,923<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Data processing<\/td>\n\u00a0<\/td>\n8,868<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,864<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,732<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,596<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Net occupancy expense of premises<\/td>\n\u00a0<\/td>\n7,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,631<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Furniture and equipment expenses<\/td>\n\u00a0<\/td>\n2,336<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,177<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,513<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,153<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Professional fees<\/td>\n\u00a0<\/td>\n3,041<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,239<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,874<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,280<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,385<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Amortization of intangible assets<\/td>\n\u00a0<\/td>\n4,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,592<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,523<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,675<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Interchange expense<\/td>\n\u00a0<\/td>\n1,096<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,116<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,212<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,640<\/td>\n\u00a0<\/td>\n<\/tr>\n
    FDIC insurance<\/td>\n\u00a0<\/td>\n2,349<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,451<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,800<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,591<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Other noninterest expense<\/td>\n\u00a0<\/td>\n15,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,499<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,024<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,685<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,269<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Total noninterest expense<\/td>\n$<\/td>\n112,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n129,519<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n127,833<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n242,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n239,863<\/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

    Busey remains focused on prudently managing our expense base and operating efficiency. Total noninterest expense decreased by 13.0% compared to the first quarter of 2026, and by 11.9% compared to the second quarter of 2025. Decreases were primarily attributable to declines in expense for salaries and employee benefits and data processing, which were partially offset by increases in other noninterest expense.<\/p>\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 Six Months Ended<\/strong>
    \n
    \n
    \n <\/strong>\n <\/td>\n<\/tr>\n
    \n (dollars in thousands)<\/em>\n <\/td>\n\n June 30,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n March 31,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n June 30,<\/strong>
    \n
    \n 2025<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n June 30,<\/strong>
    \n
    \n 2026<\/strong>\n <\/td>\n    		\u00a0<\/td>\n\n June 30,<\/strong>
    \n
    \n 2025<\/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$<\/td>\n65,632<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n69,106<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n66,803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n134,738<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n118,488<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Data processing<\/td>\n\u00a0<\/td>\n8,868<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,784<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,057<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,330<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Net occupancy expense of premises<\/td>\n\u00a0<\/td>\n7,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,631<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Furniture and equipment expenses<\/td>\n\u00a0<\/td>\n2,336<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,177<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,408<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,513<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,152<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Professional fees<\/td>\n\u00a0<\/td>\n2,337<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,120<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,557<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,774<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Amortization of intangible assets<\/td>\n\u00a0<\/td>\n4,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,592<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,523<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,675<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Interchange expense<\/td>\n\u00a0<\/td>\n1,096<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,116<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,212<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,640<\/td>\n\u00a0<\/td>\n<\/tr>\n
    FDIC insurance<\/td>\n\u00a0<\/td>\n2,349<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,451<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,800<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,591<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Other noninterest expense<\/td>\n\u00a0<\/td>\n14,809<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,122<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,263<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,931<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,956<\/td>\n\u00a0<\/td>\n<\/tr>\n
    Adjusted noninterest expense (Non-GAAP)(i)<\/sup><\/td>\n$<\/td>\n109,509<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n112,819<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n111,233<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n222,328<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n197,237<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

    \n \n <\/p>\n\n\n\n\n
    \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
    \n (i)<\/sup>\n <\/td>\n\n Beginning 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.<\/sup>\n <\/td>\n<\/tr>\n
    \u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

    Noteworthy changes in noninterest expense during the quarter include:<\/p>\n

      \n
    • Salaries and employee benefits expenses declined by $17.6 million, or 20.6%, compared to the first quarter of 2026, with acquisition and restructuring expenses contributing $14.1 million, which were elevated during the first quarter of 2026 when Busey recorded restructuring costs in connection with the execution of additional synergies related to the CrossFirst acquisition and the departure of Mr. Maddox.\n

      Compared to the second quarter of 2025, salaries and employee benefits expenses declined by $10.7\u00a0million, or 13.6%, of which $9.5\u00a0million was attributable to declines in acquisition and restructuring expenses, which were elevated in the second quarter of 2025 in connection with the CrossFirst acquisition.<\/p>\n<\/li>\n

    • Data processing expenses declined by $1.0 million, or 10.1%, compared to the first quarter of 2026. Data processing expenses declined by $5.2 million, or 36.8%, compared to the second quarter of 2025, of which $4.0 million was attributable to declines in acquisition and restructuring expenses, which were elevated in the second quarter of 2025 in connection with the CrossFirst acquisition.\n<\/li>\n
    • Other noninterest expense increased by $1.7 million, or 12.5%, compared to the first quarter of 2026, and increased by $1.2 million, or 8.3% compared to the second quarter of 2025. Increases were primarily attributable to marketing and business development costs.\n<\/li>\n<\/ul>\n

      The efficiency ratio2<\/sup> was 54.0% for the second quarter of 2026, compared to 54.8% for the first quarter of 2026, and 55.3% for the second 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 CONDENSED CONSOLIDATED BALANCE SHEETS <\/strong>
      \n
      \n (unaudited)<\/strong>
      \n <\/em>\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 June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 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$<\/td>\n665,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n288,462<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n737,983<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Interest-bearing time deposits in other banks<\/td>\n\u00a0<\/td>\n14,450<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,725<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,369<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Debt securities available for sale<\/td>\n\u00a0<\/td>\n2,265,167<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,215,267<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,217,788<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Debt securities held to maturity<\/td>\n\u00a0<\/td>\n703,988<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n725,540<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n802,965<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Equity securities<\/td>\n\u00a0<\/td>\n16,397<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,951<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,171<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Loans held for sale<\/td>\n\u00a0<\/td>\n8,660<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,224<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,497<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Portfolio loans<\/td>\n\u00a0<\/td>\n13,195,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,459,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,808,619<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Allowance for credit losses<\/td>\n\u00a0<\/td>\n(164,204<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(169,054<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(183,334<\/td>\n)<\/td>\n<\/tr>\n
      Restricted bank stock<\/td>\n\u00a0<\/td>\n83,171<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n81,722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n77,112<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Premises and equipment, net<\/td>\n\u00a0<\/td>\n191,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n193,322<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n181,394<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n471,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n475,520<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n488,181<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Other assets<\/td>\n\u00a0<\/td>\n740,470<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n733,053<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n746,995<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Total assets<\/strong>\n <\/td>\n$<\/td>\n18,191,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,036,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,918,740<\/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$<\/td>\n15,128,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,736,060<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,801,772<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Securities sold under agreements to repurchase<\/td>\n\u00a0<\/td>\n144,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n156,364<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n158,030<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Borrowings<\/td>\n\u00a0<\/td>\n285,734<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n470,365<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n266,913<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Other liabilities<\/td>\n\u00a0<\/td>\n250,157<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n260,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n279,479<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total liabilities<\/td>\n\u00a0<\/td>\n15,808,697<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,623,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,506,194<\/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>\n395,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n359,162<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n273,799<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Accumulated other comprehensive income (loss)<\/td>\n\u00a0<\/td>\n(141,080<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(135,553<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(155,311<\/td>\n)<\/td>\n<\/tr>\n
      Other stockholders’ equity(i)<\/sup><\/td>\n\u00a0<\/td>\n2,128,841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,189,413<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,294,058<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n2,383,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,413,022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,412,546<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Total liabilities and stockholders\u2019 equity<\/strong>\n <\/td>\n$<\/td>\n18,191,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,036,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,918,740<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n
      \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
      \n (i)<\/sup>\n <\/td>\n\n Net balance of preferred stock ($0.001 par value), common stock ($0.001 par value), additional paid-in capital, and treasury stock.<\/sup>\n <\/td>\n<\/tr>\n
      \u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\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 was comprised of 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 June 30,<\/strong>
      \n
      \n 2026<\/strong>
      \n \n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>
      \n \n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>
      \n \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$<\/td>\n3,959,997<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,124,737<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,476,869<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Commercial real estate<\/td>\n\u00a0<\/td>\n5,452,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,566,044<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,569,759<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Real estate construction<\/td>\n\u00a0<\/td>\n1,027,069<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,052,505<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,041,803<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total commercial loans<\/td>\n\u00a0<\/td>\n10,439,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,743,286<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,088,431<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Retail loans:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Retail real estate<\/td>\n\u00a0<\/td>\n2,116,360<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,119,621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,228,959<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Retail other<\/td>\n\u00a0<\/td>\n638,947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n596,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n491,229<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total retail loans<\/td>\n\u00a0<\/td>\n2,755,307<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,716,604<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,720,188<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total portfolio loans<\/td>\n$<\/td>\n13,195,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13,459,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13,808,619<\/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 41.3% of Busey\u2019s total loan portfolio as of June\u00a030, 2026, and CRE properties were 26.3% 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 June 30,<\/strong>
      \n
      \n 2026<\/strong>
      \n \n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>
      \n \n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>
      \n \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$<\/td>\n4,019,517<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,125,785<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,130,131<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Owner occupied commercial real estate<\/td>\n\u00a0<\/td>\n1,433,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,440,259<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,439,628<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total commercial real estate loans<\/td>\n$<\/td>\n5,452,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,566,044<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,569,759<\/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

      Asset quality continues to be 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 June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
      \n Total assets<\/strong>\n <\/td>\n$<\/td>\n18,191,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,036,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,918,740<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Portfolio loans<\/strong>\n <\/td>\n\u00a0<\/td>\n13,195,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,459,890<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,808,619<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Loans 30\u00a0\u2013\u00a089 days past due<\/td>\n\u00a0<\/td>\n8,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,465<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,188<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Non-performing loans:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Non-accrual loans<\/td>\n\u00a0<\/td>\n62,766<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,799<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n53,614<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Loans 90+ days past due and still accruing<\/td>\n\u00a0<\/td>\n4,668<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n812<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n941<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Non-performing loans<\/td>\n\u00a0<\/td>\n67,434<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,611<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,555<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Other non-performing assets<\/td>\n\u00a0<\/td>\n2,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,337<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,596<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Non-performing assets<\/td>\n\u00a0<\/td>\n70,305<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,948<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,151<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Substandard (excludes 90+ days past due)<\/td>\n\u00a0<\/td>\n155,737<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n166,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n117,580<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Classified assets<\/td>\n$<\/td>\n226,042<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n216,415<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n175,731<\/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$<\/td>\n164,204<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n169,054<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n183,334<\/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>\n0.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.35<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.40<\/td>\n%<\/td>\n<\/tr>\n
      Non-performing assets to total assets<\/td>\n\u00a0<\/td>\n0.39<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.31<\/td>\n%<\/td>\n<\/tr>\n
      Non-performing assets to portfolio loans and other non-performing assets<\/td>\n\u00a0<\/td>\n0.53<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.37<\/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>\n1.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.33<\/td>\n%<\/td>\n<\/tr>\n
      Coverage ratio of the allowance for credit losses to non-performing loans<\/td>\n2.44 x<\/td>\n\u00a0<\/td>\n3.63 x<\/td>\n\u00a0<\/td>\n3.36 x<\/td>\n<\/tr>\n
      Classified assets to Bank Tier\u00a01 capital(i)<\/sup>and reserves<\/td>\n\u00a0<\/td>\n9.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.35<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.70<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

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

      Non-performing assets increased by $20.4 million compared to March 31, 2026, and increased by $12.2 million compared to June 30, 2025. The quarter-over-quarter increase was driven by one commercial credit where a partial charge-off was taken and a specific reserve was allocated; the sponsor remains engaged and is working towards a resolution. Non-performing assets represented 0.39% of total assets as of June 30, 2026, an 11 basis point increase from March 31, 2026, and an 8 basis point increase from June 30, 2025.<\/p>\n

      Classified assets increased by $9.6\u00a0million compared to March\u00a031, 2026, and increased by $50.3\u00a0million compared to June\u00a030, 2025.<\/p>\n

      The allowance for credit losses was $164.2\u00a0million as of June\u00a030, 2026, equal to 2.4\u00a0times the balance of non-performing loans and representing 1.24% 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 NET CHARGE-OFFS (RECOVERIES) AND PROVISION EXPENSE (RELEASE) <\/strong>
      \n
      \n (unaudited)<\/strong>
      \n <\/em>\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 Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
      \n (dollars in thousands)<\/em>\n <\/td>\n\n June\u00a030,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March\u00a031,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June\u00a030,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June\u00a030,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June\u00a030,<\/strong>
      \n
      \n 2025<\/strong>
      \n
      \n
      \n (i)<\/strong>
      \n <\/strong>
      \n <\/sup>\n <\/td>\n<\/tr>\n
      Net charge-offs<\/td>\n$<\/td>\n6,382<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,362<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,881<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13,744<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n44,310<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Provision for loan losses<\/td>\n$<\/td>\n1,532<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,393<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,005<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,925<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,457<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Provision for unfunded commitments<\/td>\n\u00a0<\/td>\n657<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n665<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,695<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,322<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,836<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Provision for credit losses<\/td>\n$<\/td>\n2,189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,058<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,700<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,247<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n51,293<\/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>\n0.19<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.37<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.21<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.75<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n\n
      \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
      \n (i)<\/sup>\n <\/td>\n\n The six months ended June\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.<\/sup>\n <\/td>\n<\/tr>\n
      \n (ii)<\/sup>\n <\/td>\n\n Annualized measure.<\/sup>\n <\/td>\n<\/tr>\n
      \u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

      Net charge-offs decreased by $1.0 million when compared to the first quarter of 2026, and decreased by $6.5 million when compared with the second quarter of 2025. Net charge-offs during the six months ended June 30, 2026, included $11.3 million related to PCD loans acquired in the CrossFirst acquisition, which were previously reserved for.<\/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 June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\u00a0<\/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$<\/td>\n3,496,319<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,526,036<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,590,363<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Interest-bearing transaction deposits<\/td>\n\u00a0<\/td>\n3,315,200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,129,186<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,216,601<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Savings deposits and money market deposits<\/td>\n\u00a0<\/td>\n5,934,920<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,714,697<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,362,352<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Time deposits<\/td>\n\u00a0<\/td>\n2,382,306<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,366,141<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,632,456<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Total deposits<\/td>\n$<\/td>\n15,128,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,736,060<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,801,772<\/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 87.2% as of June\u00a030, 2026, compared to 91.3% as of March\u00a031, 2026. Core deposits2<\/sup> accounted for 93.7% of total deposits as of June 30, 2026. The quality of our core deposit franchise is a critical value driver of our institution. In addition to the $3.50 billion of noninterest-bearing deposits, we also have $1.91 billion of interest-bearing non-maturity deposits that are priced at 1 basis point, providing stable, rate inelastic funding. Busey has ample on- and off-balance sheet liquidity to manage deposit fluctuations and the liquidity needs of our customers.<\/p>\n

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

      In June 2026, Busey completed the previously announced redemption of its trust preferred securities issued by First Busey Statutory Trust II.<\/p>\n

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

      As of June\u00a030, 2026, Busey\u2019s available sources of on- and off-balance sheet liquidity5<\/sup> totaled $8.85 billion. 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 $103.2 million in the second quarter of 2026. Cash flows from our securities portfolio are expected to be approximately $171.9 million for the remainder of 2026, with a current book yield of 3.04%.<\/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 June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 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>\n12.53<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.31<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.22<\/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>\n15.87<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.75<\/td>\n%<\/td>\n<\/tr>\n
      Tangible common equity(ii)<\/sup><\/td>\n$<\/td>\n1,696,685<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,722,305<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,709,168<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tangible common equity to tangible assets(ii)<\/sup><\/td>\n\u00a0<\/td>\n9.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.27<\/td>\n%<\/td>\n<\/tr>\n
      Tangible book value per common share(ii)<\/sup><\/td>\n$<\/td>\n20.40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19.18<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n\n
      \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
      \n (i)<\/sup>\n <\/td>\n\n Capital amounts and ratios as of June\u00a030, 2026, are not yet finalized and are subject to change.<\/sup>\n <\/td>\n<\/tr>\n
      \n (ii)<\/sup>\n <\/td>\n\n For a reconciliation of non-GAAP measures to the most directly comparable GAAP financial measures, see \u201cNon-GAAP Financial Information.\u201d<\/sup>\n <\/td>\n<\/tr>\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 second 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

      On May 20, 2026, Busey’s board of directors approved an amendment to Busey\u2019s previously adopted share repurchase program to increase the number of shares of Busey\u2019s common stock available for repurchase by 4,000,000 shares. During the second quarter of 2026, under its stock repurchase plan, Busey purchased 2,340,000 shares of its common stock at a weighted average price of $26.98 per share for a total of $63.1\u00a0million (excluding excise taxes). As of June\u00a030, 2026, Busey had 3,898,775 shares remaining available for repurchase under the plan.<\/p>\n

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

      For additional information on Busey\u2019s financial condition and operating results, please refer to our Q2\u00a02026 Earnings Investor Presentation<\/em><\/strong> furnished via Form\u00a08\u2011K on July\u00a028, 2026, in connection with this earnings release.<\/p>\n

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

      As of June\u00a030, 2026, First Busey Corporation (Nasdaq: BUSE) was an $18.19 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 $18.15 billion as of June 30, 2026. Busey Bank currently has 80 banking 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 Busey\u2019s Wealth Management division, the Company 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 $16.51 billion as of June 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 an engaged culture of integrity and commitment to community development. Nationally,\u00a0American 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)<\/em>
      <\/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 Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
      \n (dollars in thousands, except per share amounts)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
      \n Net income (GAAP)<\/strong>\n <\/td>\n[a]<\/td>\n$<\/td>\n63,176<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n49,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n47,404<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n113,157<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,414<\/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>\n4,030<\/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 expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,440<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,626<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Restructuring expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,930<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,456<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,386<\/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>\n(2,445<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n940<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,997<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,505<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,771<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Related tax benefit(iii)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(170<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,410<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,971<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,580<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(27,040<\/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>\n328<\/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>\n63,687<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63,211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n57,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n126,898<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n97,292<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Preferred dividends<\/td>\n[c]<\/td>\n\u00a0<\/td>\n4,590<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,589<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,179<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Adjusted net income available to common stockholders (Non-GAAP)<\/td>\n[d]<\/td>\n$<\/td>\n59,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n58,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n57,239<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n117,719<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n97,137<\/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>\n85,385,382<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n87,831,295<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n90,883,711<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n86,602,278<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n80,251,577<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Diluted earnings per common share (GAAP)<\/strong>\n <\/td>\n[(a-c)\u00f7e]<\/td>\n$<\/td>\n0.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.20<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.22<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Adjusted diluted earnings per common share (Non-GAAP)<\/td>\n[d\u00f7e]<\/td>\n$<\/td>\n0.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.67<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.63<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.21<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n\n\n\n
      \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
      \n (i)<\/sup>\n <\/td>\n\n The 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.<\/sup>\n <\/td>\n<\/tr>\n
      \n (ii)<\/sup>\n <\/td>\n\n In 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.<\/sup>\n <\/td>\n<\/tr>\n
      \n (iii)<\/sup>\n <\/td>\n\n Tax benefits were calculated using tax rates of 25.0% and 26.5% for the six months ended June\u00a030, 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.<\/sup>\n <\/td>\n<\/tr>\n
      \n (iv)<\/sup>\n <\/td>\n\n A 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.<\/sup>\n <\/td>\n<\/tr>\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 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\u00a0<\/td>\n\n Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
      \n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
      \n Net income (GAAP)<\/strong>\n <\/td>\n[a]<\/td>\n$<\/td>\n63,176<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n49,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n47,404<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n113,157<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,414<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Amortization of intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,592<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,523<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,675<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tax effect of amortization of intangible assets(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,058<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,073<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,256<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,131<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,035<\/td>\n)<\/td>\n<\/tr>\n
      Preferred dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,590<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,589<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(155<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,179<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(155<\/td>\n)<\/td>\n<\/tr>\n
      Tangible net income available to common stockholders (Non-GAAP)<\/td>\n[b]<\/td>\n$<\/td>\n61,760<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n48,610<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n110,370<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,899<\/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$<\/td>\n63,687<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n63,211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n57,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n126,898<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n97,292<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Amortization of intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,232<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,291<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,592<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,523<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,675<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tax effect of amortization of intangible assets(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,058<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,073<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,256<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,131<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,035<\/td>\n)<\/td>\n<\/tr>\n
      Preferred dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,590<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,589<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(155<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,179<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(155<\/td>\n)<\/td>\n<\/tr>\n
      Adjusted tangible net income available to common stockholders (Non-GAAP)<\/td>\n[d]<\/td>\n$<\/td>\n62,271<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n61,840<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n60,575<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n124,111<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n102,777<\/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$<\/td>\n17,887,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,060,220<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,068,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,973,180<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,961,396<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Return on average assets (Non-GAAP)(iii)<\/sup><\/td>\n[a\u00f7e]<\/td>\n\u00a0<\/td>\n1.42<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.00<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.27<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.21<\/td>\n%<\/td>\n<\/tr>\n
      Adjusted return on average assets (Non-GAAP)(iii)<\/sup><\/td>\n[c\u00f7e]<\/td>\n\u00a0<\/td>\n1.43<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.42<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.21<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.42<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.16<\/td>\n%<\/td>\n<\/tr>\n
      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Average common equity<\/td>\n\u00a0<\/td>\n$<\/td>\n2,183,290<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,255,075<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,180,963<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,218,984<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,057,372<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Average goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(474,043<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(478,885<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(494,473<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(476,450<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(452,978<\/td>\n)<\/td>\n<\/tr>\n
      Average tangible common equity (Non-GAAP)<\/td>\n[f]<\/td>\n$<\/td>\n1,709,247<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,776,190<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,686,490<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,742,534<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,604,394<\/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>\n14.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.88<\/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>\n14.61<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.36<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.92<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n\n\n\n
      \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
      \n (i)<\/sup>\n <\/td>\n\n Tax effects were calculated using income tax rates of 25.0% and 26.5% for the six months ended June\u00a030, 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.<\/sup>\n <\/td>\n<\/tr>\n
      \n (ii)<\/sup>\n <\/td>\n\n A reconciliation is provided in the previous table.<\/sup>\n <\/td>\n<\/tr>\n
      \n (iii)<\/sup>\n <\/td>\n\n Annualized measure.<\/sup>\n <\/td>\n<\/tr>\n
      \n (iv)<\/sup>\n <\/td>\n\n Beginning 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.<\/sup>\n <\/td>\n<\/tr>\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 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 Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
      \n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
      \n Net interest income (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n152,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,183<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n306,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n256,914<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tax-equivalent adjustment(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n877<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n791<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,718<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,328<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tax-equivalent net interest income (Non-GAAP)<\/td>\n[a]<\/td>\n\u00a0<\/td>\n153,243<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n154,846<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,974<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n308,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n258,242<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Purchase accounting accretion related to business combinations<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,150<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,394<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,119<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,544<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,847<\/td>\n)<\/td>\n<\/tr>\n
      Adjusted net interest income (Non-GAAP)<\/td>\n[b]<\/td>\n$<\/td>\n149,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n149,452<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n146,855<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n298,545<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n248,395<\/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$<\/td>\n16,508,372<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,665,766<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,700,356<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,586,634<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,543,955<\/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>\n3.72<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.75<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.35<\/td>\n%<\/td>\n<\/tr>\n
      Adjusted net interest margin (Non-GAAP)(ii)<\/sup><\/td>\n[b\u00f7c]<\/td>\n\u00a0<\/td>\n3.62<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.64<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.63<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.22<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n\n
      \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
      \n (i)<\/sup>\n <\/td>\n\n Tax-equivalent adjustments were calculated using an estimated federal income tax rate of 21%, applied to non-taxable interest income on investments and loans.<\/sup>\n <\/td>\n<\/tr>\n
      \n (ii)<\/sup>\n <\/td>\n\n Annualized measure.<\/sup>\n <\/td>\n<\/tr>\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 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 Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
      \n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
      \n Net interest income (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n152,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,183<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n306,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n256,914<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Total noninterest income (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,863<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n86,576<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,086<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Net security (gains) losses (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,445<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n940<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,997<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,505<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,771<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Total noninterest expense (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(112,635<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(129,519<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(127,833<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(242,154<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(239,863<\/td>\n)<\/td>\n<\/tr>\n
      Pre-provision net revenue (Non-GAAP)<\/td>\n[a]<\/td>\n\u00a0<\/td>\n81,633<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67,655<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64,216<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n149,288<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n92,908<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Acquisition and restructuring (income) expenses, excluding initial provision expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,126<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,700<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,826<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,626<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Adjusted pre-provision net revenue (Non-GAAP)<\/td>\n[b]<\/td>\n$<\/td>\n84,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n84,355<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n80,816<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n169,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n135,534<\/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$<\/td>\n17,887,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,060,220<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,068,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,973,180<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n16,961,396<\/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>\n1.83<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.35<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.10<\/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>\n1.90<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.89<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.70<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.90<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.61<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n
      \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
      \n (i)<\/sup>\n <\/td>\n\n Annualized measure.<\/sup>\n <\/td>\n<\/tr>\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 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 Six\u00a0Months Ended<\/strong>\n <\/td>\n<\/tr>\n
      \n (dollars in thousands)<\/em>\n <\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
      \n Net interest income (GAAP)<\/strong>\n <\/td>\n[a]<\/td>\n$<\/td>\n152,402<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n153,183<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n306,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n256,914<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tax-equivalent adjustment(i)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n877<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n791<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,718<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,328<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tax-equivalent net interest income (Non-GAAP)<\/td>\n[b]<\/td>\n\u00a0<\/td>\n153,243<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n154,846<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n153,974<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n308,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n258,242<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Total noninterest income (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,863<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n86,576<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,086<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Net security (gains) losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,445<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n940<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,997<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,505<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,771<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Adjusted noninterest income (Non-GAAP)<\/td>\n[c]<\/td>\n$<\/td>\n41,866<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n38,866<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n85,071<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n75,857<\/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$<\/td>\n194,268<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n197,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n192,049<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n391,442<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n332,771<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tax-equivalent operating revenue (Non-GAAP)(ii)<\/sup><\/td>\n[e = b+c]<\/td>\n\u00a0<\/td>\n195,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,051<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n192,840<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n393,160<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n334,099<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Adjusted noninterest income to operating revenue (Non-GAAP)<\/td>\n[c\u00f7d]<\/td>\n\u00a0<\/td>\n21.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.91<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.73<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.80<\/td>\n%<\/td>\n<\/tr>\n
      \u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
      \n Total noninterest expense (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n112,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n129,519<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n127,833<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n242,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n239,863<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Acquisition and restructuring expenses, excluding initial provision expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,126<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(16,700<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(16,600<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(19,826<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(42,626<\/td>\n)<\/td>\n<\/tr>\n
      Adjusted noninterest expense (Non-GAAP)(iii)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n109,509<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n112,819<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n111,233<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n222,328<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n197,237<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Amortization of intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,232<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,291<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,592<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,523<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,675<\/td>\n)<\/td>\n<\/tr>\n
      Adjusted noninterest expense excluding amortization of intangible assets (Non-GAAP)(iv)<\/sup><\/td>\n[f]<\/td>\n$<\/td>\n105,277<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n108,528<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n106,641<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n213,805<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n189,562<\/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>\n53.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n55.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54.38<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n56.74<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

      \n \n <\/p>\n\n\n\n\n\n\n\n\n
      \n ___________________________________________<\/sup>\n <\/td>\n<\/tr>\n
      \n (i)<\/sup>\n <\/td>\n\n Tax-equivalent adjustments were calculated using an estimated federal income tax rate of 21%, applied to non-taxable interest income on investments and loans.<\/sup>\n <\/td>\n<\/tr>\n
      \n (ii)<\/sup>\n <\/td>\n\n Beginning 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.<\/sup>\n <\/td>\n<\/tr>\n
      \n (iii)<\/sup>\n <\/td>\n\n Beginning 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.<\/sup>\n <\/td>\n<\/tr>\n
      \n (iv)<\/sup>\n <\/td>\n\n Beginning 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.<\/sup>\n <\/td>\n<\/tr>\n
      \n (v)<\/sup>\n <\/td>\n\n Beginning in 2026, Busey now reports a single efficiency ratio, which was previously reported as the \u201cadjusted efficiency ratio.\u201d<\/sup>\n <\/td>\n<\/tr>\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 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 June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
      \n Total assets (GAAP)<\/strong>\n <\/td>\n\u00a0<\/td>\n$<\/td>\n18,191,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,036,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,918,740<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(471,288<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(475,520<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(488,181<\/td>\n)<\/td>\n<\/tr>\n
      Tangible assets (Non-GAAP)(i)<\/sup><\/td>\n[a]<\/td>\n$<\/td>\n17,720,579<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,561,102<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,430,559<\/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$<\/td>\n2,383,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,413,022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,412,546<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Preferred stock and additional paid in capital on preferred stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(215,197<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(215,197<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(215,197<\/td>\n)<\/td>\n<\/tr>\n
      Common equity<\/td>\n[b]<\/td>\n\u00a0<\/td>\n2,167,973<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,197,825<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,197,349<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(471,288<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(475,520<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(488,181<\/td>\n)<\/td>\n<\/tr>\n
      Tangible common equity (Non-GAAP)<\/td>\n[c]<\/td>\n$<\/td>\n1,696,685<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,722,305<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,709,168<\/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>\n9.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.27<\/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>\n83,189,501<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n85,507,160<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n89,104,678<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Book value per common share (Non-GAAP)<\/td>\n[b\u00f7d]<\/td>\n$<\/td>\n26.06<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25.70<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n24.66<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Tangible book value per common share (Non-GAAP)<\/td>\n[c\u00f7d]<\/td>\n$<\/td>\n20.40<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19.18<\/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 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 June 30,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n March 31,<\/strong>
      \n
      \n 2026<\/strong>\n <\/td>\n      		\u00a0<\/td>\n\n June 30,<\/strong>
      \n
      \n 2025<\/strong>\n <\/td>\n<\/tr>\n
      \n Total deposits (GAAP)<\/strong>\n <\/td>\n[a]<\/td>\n$<\/td>\n15,128,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,736,060<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15,801,772<\/td>\n\u00a0<\/td>\n<\/tr>\n
      Brokered deposits, excluding brokered time deposits of $250,000 or more<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(60,043<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(60,123<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(353,614<\/td>\n)<\/td>\n<\/tr>\n
      Time deposits of $250,000 or more<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(896,354<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(865,493<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(827,762<\/td>\n)<\/td>\n<\/tr>\n
      Core deposits (Non-GAAP)<\/td>\n[b]<\/td>\n$<\/td>\n14,172,348<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13,810,444<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,620,396<\/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>\n93.68<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93.72<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n92.52<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

      \n
      \n
      \n <\/strong>\n <\/p>\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, including the acquisition of CrossFirst, 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 the impact of sustained elevated interest rates); (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 servicers; (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 \n <\/p>\n

      \n END NOTES<\/strong>\n <\/p>\n\n\n\n\n\n\n
      1<\/td>\nAnnualized measure.<\/td>\n<\/tr>\n
      2<\/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>\nCapital amounts and ratios as of June\u00a030, 2026, are not yet finalized and are subject to change.<\/td>\n<\/tr>\n
      4<\/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>\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<\/table>\n

      \n \n <\/p>\n

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

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

      <\/div>\n","protected":false},"excerpt":{"rendered":"

      LEAWOOD, Kan., July 28, 2026 (GLOBE NEWSWIRE) — First Busey Corporation (Nasdaq: BUSE) Announces 2026 Second Quarter Earnings. Net Income \u00a0 Diluted EPS \u00a0 Net Interest Margin 1 \u00a0 ROAA 1 \u00a0 ROATCE 1 $63.2 million $63.7\u00a0million (adj)2 \u00a0 $0.69 $0.69 (adj)2 \u00a0 3.72% 2 3.62% (adj)2 \u00a0 1.42% 2 1.43% (adj)2 \u00a0 14.49% 2 14.61% (adj)2 \u00a0 MESSAGE FROM OUR CHAIRMAN, PRESIDENT & CEO \u00a0 \u00a0 Busey delivered a strong second quarter, with adjusted diluted EPS2 of $0.69, up 9.5% year-over-year. Profitability continued to expand, as adjusted return on average assets2 improved by 22\u00a0basis points to 1.43% and adjusted return on average tangible common equity2 improved by 20\u00a0basis points to 14.61%. Adjusted net interest margin2 rose by 29\u00a0basis points … <\/p>\n

      Continue reading “First Busey Corporation Announces 2026 Second 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-986063","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nFirst Busey Corporation Announces 2026 Second 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-second-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 Second Quarter Earnings - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"LEAWOOD, Kan., July 28, 2026 (GLOBE NEWSWIRE) — First Busey Corporation (Nasdaq: BUSE) Announces 2026 Second Quarter Earnings. Net Income \u00a0 Diluted EPS \u00a0 Net Interest Margin 1 \u00a0 ROAA 1 \u00a0 ROATCE 1 $63.2 million $63.7\u00a0million (adj)2 \u00a0 $0.69 $0.69 (adj)2 \u00a0 3.72% 2 3.62% (adj)2 \u00a0 1.42% 2 1.43% (adj)2 \u00a0 14.49% 2 14.61% (adj)2 \u00a0 MESSAGE FROM OUR CHAIRMAN, PRESIDENT & CEO \u00a0 \u00a0 Busey delivered a strong second quarter, with adjusted diluted EPS2 of $0.69, up 9.5% year-over-year. Profitability continued to expand, as adjusted return on average assets2 improved by 22\u00a0basis points to 1.43% and adjusted return on average tangible common equity2 improved by 20\u00a0basis points to 14.61%. 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