BlastPoint's Banking Scorecard

Busey Bank

$10B-$250B Specialty: Commercial IL FDIC cert 16450

Champaign, IL

81 branches across IL · MO · TX · AZ · CO · FL · KS · OK · NM · IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in IL.
Deposits -4.9% year over year ($15.2B on the books).
Delinquency rate 0.52%.
Return on assets 1.33%.
Efficiency ratio 57.76% vs a 53.67% peer average.
Loan-to-deposit ratio 86.03% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in IL

View $10B-$250B leaderboard (IL) →

Busey Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 22.2% in tier
- Capital Constraint: Bottom 25.0% in tier
- Credit Quality Pressure: Bottom 43.3% in tier
- ROA 0.05% below tier average
- Net Interest Margin 0.14% below tier average
- Efficiency Ratio 4.09% above tier average

Get updates when Busey Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$18.1B -3.8% YoY +0.7% QoQ	-$25.5B	$43.6B -13.8% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	34%
Total Loans ?	$13.0B -4.4% YoY -1.9% QoQ	-$14.9B	$28.0B -8.6% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$15.2B -4.9% YoY +2.2% QoQ	-$20.3B	$35.4B -14.0% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	35%
Return on Assets ?	1.33% +244.6% YoY +9.9% QoQ	-0.05%	1.39% +25.9% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	3.78% +26.5% YoY -0.7% QoQ	-0.14%	3.92% +8.9% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	57.76% -6.0% YoY -6.3% QoQ	+4.09%	53.67% -1.9% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	0.52% +29.3% YoY +47.5% QoQ	-0.50%	1.01% -2.8% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	86.03% +0.6% YoY -4.0% QoQ	+3.42%	82.61% +3.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	23.14% +2.5% YoY -3.0% QoQ	+2.55%	20.58% +4.9% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	53%
Nonperforming Asset Ratio ?	0.37% +21.4% YoY +43.8% QoQ	-0.36%	0.73% +5.8% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	14.65% +7.6% YoY +4.2% QoQ	-0.70%	15.35% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.49% +22.0% YoY +96.0% QoQ	+0.00%	0.50% +10.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	23.1% +0.6pp YoY -0.7pp QoQ	+2.1pp	21.0%	20.1%	22.2%	51%
Brokered Deposits	0.4% -1.8pp YoY 0.0pp QoQ	-8.8pp	9.2%	8.0%	8.5%	13%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	21.3% -5.8pp YoY -0.7pp QoQ	+4.1pp	17.2%	14.7%	12.5%	76%
CRE	49.7% +1.2pp YoY -0.1pp QoQ	+7.7pp	42.0%	37.9%	41.4%	64%
1-4 Family	16.3% -0.1pp YoY +0.3pp QoQ	-6.8pp	23.1%	28.3%	31.3%	33%
Consumer	4.9% +1.3pp YoY +0.4pp QoQ	-8.0pp	12.9%	5.4%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	14.7% +1.0pp YoY +0.6pp QoQ	-0.6pp	15.3%	19.9%	19.7%	73%
Leverage Ratio	12.4% +1.2pp YoY +0.2pp QoQ	+2.0pp	10.4%	12.2%	12.6%	88%
Total Capital Ratio	15.6% +1.1pp YoY +0.6pp QoQ	-0.9pp	16.5%	20.9%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	1,833 -61 (-3.2%) YoY +1 (+0.1%) QoQ	-1,425	3,258	228	482	44%
Assets per Employee ($)	$9.9M -0.6% YoY +0.7% QoQ	-$17.1M	$27.0M	$8.3M	$8.8M	33%
Branch Count	81 +2 (+2.5%) YoY 0 QoQ	-57	137	10	18	48%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.4%	0.4%	45%
Nonaccrual	0.5% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.7%	1.1%	1.0%	36%
Allowance Coverage	2.44x -27.5% YoY -32.9% QoQ	-0.38x	2.81x	5.62x	20.23x	70%
Net Charge-off Rate (YTD)	0.2% -0.4pp YoY 0.0pp QoQ	-0.2pp	0.4%	0.1%	0.2%	62%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	9.8% +6.6pp YoY +0.9pp QoQ	-2.9pp	12.6%	10.5%	11.6%	38%
Cost of Funds (YTD)	1.7% 0.0pp YoY 0.0pp QoQ	-0.3pp	2.0%	1.6%	1.7%	37%
Net Income ($, YTD)	$120.6M +222.3% YoY — QoQ	-$176.3M	$296.8M	$11.7M	$40.4M	39%

Get Full Access to Busey Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline

#5 of 18 • Bottom 22.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

18 of 18 Large banks match · 686 nationally

→ Stable +31 banks QoQ

Capital Constraint

risk

#2 of 4 • Bottom 25.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 86.03%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 14.65%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

4 of 4 Large banks match · 143 nationally

→ Stable -5 banks QoQ

Credit Quality Pressure

risk

#30 of 67 • Bottom 43.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.52%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available