Busey Bank: Financial Reports & UBPR Data
BankRegReports is independent of Busey Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Busey Bank, based in Champaign, Illinois, reported $18.1 billion in assets at June 30, 2026, down 3.8% from a year earlier. It shrank its loan book 4.5% over the year, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 6.3%). It also funds 12.38% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.25%).
The commercial and industrial book ($2.8 billion) is worsening: 1.63% of it is past due or on nonaccrual, up from 0.95% a year earlier.
As of June 30, 2026, Busey Bank reported a CET1 capital ratio of 14.65%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 2.72%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 100 W University Ave, Champaign, IL 61820
- County
- Champaign
- Metro Area
- Champaign-Urbana, IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 8, 1946
- Former names
- Champaign County Bank and Trust Co. (1977-1987)
- Offices
- 81 domestic
- Employees (FTE)
- 1,833
- Domestic deposits
- $15.16B
- Allowance for credit losses
- $164.2M
- Net charge-offs (YTD)
- $13.7M
- Average total assets
- $17.97B
- Average total loans
- $13.33B
- Average interest-bearing deposits
- $13.22B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 8, 1946
- FDIC Cert
- 16450
- Fed RSSD
- 416245
- SEC CIK
- 314489 → filed by FIRST BUSEY CORPORATION
- Website
- www.busey.com →
- Parent Holding Company
- FIRST BUSEY CORPORATION (RSSD 1203602) · BUSE
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Busey Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Busey Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Busey Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Busey Bank: Uninsured deposits.
Banks merged into Busey Bank
- CrossFirst Bank, effective June 21, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.65% | 1.47% | 0.51% | 2.72% | 3.70% |
| Q1 2026 | 14.06% | 1.21% | 0.35% | 1.94% | 3.70% |
| Q4 2025 | 13.97% | 1.58% | 0.39% | 2.33% | 3.72% |
| Q3 2025 | 13.73% | 1.34% | 0.35% | 2.31% | 3.59% |
| Q2 2025 | 13.62% | 0.35% | 0.39% | 2.63% | 3.98% |
| Q1 2025 | 16.21% | 0.69% | 0.09% | 0.42% | 3.05% |
| Q4 2024 | 16.46% | 1.18% | 0.30% | 1.70% | 3.03% |
| Q3 2024 | 16.17% | 1.28% | 0.11% | 0.49% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 81 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Busey Bank (main office) | Champaign , IL | 61820 | $1.36B |
| Glenview Branch | Glenview , IL | 60025 | $860.2M |
| Crossfirst Bank Kansas City Missouri Branch | Kansas City , MO | 64112 | $772.5M |
| Main Street Urbana Branch | Urbana , IL | 61801 | $596.6M |
| Crossfirst Bank Wichita | Wichita , KS | 67206 | $580.7M |
| Crossfirst Bank, Dallas | Dallas , TX | 75201 | $532.4M |
| Pulaski Bank Branch | Saint Louis , MO | 63141 | $447.3M |
| Tulsa National Bank Branch | Tulsa , OK | 74136 | $432.4M |
| Edwardsville Branch | Edwardsville , IL | 62025 | $429.7M |
| Bloomington Citizens Savings Branch | Bloomington , IL | 61704 | $384.0M |
| Belleville - West Main CenterCbg | Belleville , IL | 62226 | $379.1M |
| Crossfirst Bank, Oklahoma City, Oklahoma Convergence Branch | Oklahoma City , OK | 73104 | $378.3M |
| Plainfield Br | Joliet , IL | 60435 | $350.4M |
| Champaign Facility | Champaign , IL | 61821 | $332.8M |
| First National of Decatur Branch | Decatur , IL | 62523 | $290.0M |
| Mount Prospect Branch | Mount Prospect , IL | 60056 | $270.7M |
| Crossfirst Bank - Phoenix, Arizona Branch | Phoenix , AZ | 85018 | $238.3M |
| Leawood Branch | Leawood , KS | 66224 | $224.4M |
| Mahomet Branch | Mahomet , IL | 61853 | $214.8M |
| Busey Bank, Na Branch | Fort Myers , FL | 33907 | $204.6M |
| Pines Branch | Urbana , IL | 61802 | $196.5M |
| Sheridan Road Branch | Peoria , IL | 61614 | $192.1M |
| Robeson Crossing Branch | Champaign , IL | 61822 | $190.4M |
| Carmel Branch | Carmel , IN | 46032 | $190.1M |
| Clayton Bank Branch | Clayton , MO | 63105 | $164.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 21, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 21, 2025 | Structure Change | Acquired CrossFirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 21, 2025 | M&A | Acquired CrossFirst Bank merger for the acquired bank | SEC |
| June 22, 2024 | M&A | Acquired Merchants and Manufacturers Bank merger for the acquired bank | SEC |
| June 22, 2024 | Structure Change | Acquired Merchants and Manufacturers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 21, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 14, 2021 | M&A | Acquired Glenview State Bank merger for the acquired bank | SEC |
| August 14, 2021 | Structure Change | Acquired Glenview State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2019 | M&A | Acquired The Bank of Edwardsville merger for the acquired bank | SEC |
| October 5, 2019 | Structure Change | Acquired The Bank of Edwardsville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | M&A | Acquired Busey Trust Company merger for the acquired bank | SEC |
| November 1, 2018 | Structure Change | Acquired Busey Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 17, 2018 | M&A | Acquired South Side Trust & Savings Bank of Peoria merger for the acquired bank | SEC |
| March 17, 2018 | Structure Change | Acquired South Side Trust & Savings Bank of Peoria Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 2017 | M&A | Acquired First Community Financial Bank merger for the acquired bank | SEC |
| November 4, 2017 | Structure Change | Acquired First Community Financial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 3, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 2016 | M&A | Acquired Pulaski Bank National Association merger for the acquired bank | SEC |
| November 5, 2016 | Structure Change | Acquired Pulaski Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 14, 2015 | Structure Change | Acquired Herget Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 14, 2015 | M&A | Acquired Herget Bank, National Association merger for the acquired bank | SEC |
| March 14, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 29, 2009 | M&A | Acquired Busey Bank, National Association merger for the acquired bank | SEC |
| August 29, 2009 | Structure Change | Acquired Busey Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2007 | M&A | Acquired Main Street Bank & Trust merger for the acquired bank | SEC |
| November 10, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2007 | Structure Change | Acquired Main Street Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 2005 | M&A | Acquired First Capital Bank merger for the acquired bank | SEC |
| May 21, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2005 | Structure Change | Acquired First Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 1998 | Structure Change | Acquired Busey Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 1998 | M&A | Acquired Busey Business Bank merger for the acquired bank | SEC |
| January 19, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 19, 1996 | Structure Change | Acquired Busey Bank of McLean County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 19, 1996 | M&A | Acquired Busey Bank of McLean County merger for the acquired bank | SEC |
| July 2, 1993 | Structure Change | Acquired Eagle Bank of Champaign County, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 2, 1993 | M&A | Acquired Eagle Bank of Champaign County, N.A. failure_government_assistance_provided for the acquired bank | SEC |
| June 30, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 1992 | Structure Change | Acquired Olympic Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 28, 1992 | M&A | Acquired Olympic Federal Savings Association failure_government_assistance_provided for the acquired bank | SEC |
| November 16, 1991 | Structure Change | Acquired Bank of Urbana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 1991 | M&A | Acquired Community Bank of Mahomet merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 49 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Busey Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in IL, rank 13 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,072 applications, 1,481 loans originated, $338.2M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 62 loans, $51.3M approved, $828K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Busey Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Busey Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Busey Bank
What are Busey Bank's total assets?
As of the Q2 2026 filing, Busey Bank reported total assets of $18.15 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Busey Bank headquartered?
Busey Bank is headquartered in Champaign, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Busey Bank founded?
Busey Bank was established in 1946, per the FDIC institution directory.
Is Busey Bank FDIC-insured?
Yes. Busey Bank is an FDIC-insured commercial bank (FDIC Certificate #16450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Busey Bank?
Busey Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Busey Bank's CET1 capital ratio?
Busey Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Busey Bank operate?
Busey Bank operates 81 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Busey Bank's Texas Ratio?
Busey Bank's Texas Ratio is 2.72% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Busey Bank previously called?
The charter now named Busey Bank has also operated as Champaign County Bank and Trust Co. (1977-1987), per FDIC structure-change records.
Go deeper on Busey Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Busey Bank, freeFree account