Busey Bank
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Data as of · sourced from FFIEC call reports. How we update
Busey Bank is an FDIC-insured commercial bank headquartered in Champaign, IL, established in 1946 (FDIC certificate 16450), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $18.15B, down 3.8% from Q2 2025, the 4th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16450
- Headquarters
- Champaign, IL
- Established
- 1946
- Total assets, Q2 2026
- $18.15B
- Assets vs Q2 2025
- -3.8%
- CET1 ratio, Q2 2026
- 14.65%
- Domestic offices
- 81 FDIC institution directory, current count
- Routing number
- 071102568
- Latest call report
- Q2 2026, FFIEC 041 · Busey Bank call report
- Holding company
- FIRST BUSEY CORPORATION
- Asset rank in state
- 4th of 319 in Illinois
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%. The figures come from its call report filed with the FFIEC.
Busey Bank ranks as the 4th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $18.15B, loans fell 1.9% and deposits rose 2.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 22.2% of total loans, followed by commercial and industrial loans at 21.0%. The FDIC Summary of Deposits lists 81 offices for it, in 57 cities across 10 states; its Champaign 4 offices book 13% of its branch deposits. On its Q2 2026 call report, Busey Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 81 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Busey Bank's total assets ran between $11.86B (Q1 2024) and $18.87B (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$18.15B total assets against $18.87B; $15.67B total liabilities against $16.46B.
$13.04B net loans and leases against $13.64B; $15.16B total deposits against $15.95B.
$2.97B securities against $3.02B; $679.8M cash and balances due against $751.9M.
$224.3M total interest income against $287.6M; $69.7M total interest expense against $108.9M.
$154.7M net interest income against $178.7M.
$44.2M total noninterest income against $41.0M; $111.3M total noninterest expense against $145.5M.
$2.2M provision for credit losses against $50.9M.
$65.8M net income against $16.6M.
1.47% return on assets against 0.35%; 3.70% net interest margin against 3.98%.
14.65% CET1 capital ratio against 13.62%; 12.38% tier 1 leverage ratio against 11.22%.
Inside the full Busey Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 110 of 4,196, for total assets; its furthest is 1,953 of 3,640, for Texas Ratio.
Metric pages for Busey Bank: Uninsured deposits.
Banks merged into Busey Bank
- CrossFirst Bank, effective June 21, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q2 2025) to 1.58% (Q4 2025) and its net interest margin ran from 3.03% (Q4 2024) to 3.98% (Q2 2025).
| 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
View all 81 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in IL, rank 13 of 379 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Busey Bank headquartered?
It is headquartered in Champaign, IL, United States.
When was Busey Bank founded?
It was established in 1946, per the FDIC institution directory.
Is Busey Bank FDIC-insured?
Yes. It 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.
What is Busey Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
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