BlastPoint's Banking Scorecard
Busey Bank
Champaign, IL
81 branches across IL · MO · TX · AZ · CO · FL · KS · OK · NM · IN
Busey Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency Ratio 7.62% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$18.0B
+50.4% YoY
-0.2% QoQ
|
-$29.0B |
$47.0B
-1.9% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$13.3B
+71.4% YoY
-0.8% QoQ
|
-$16.1B |
$29.4B
-0.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$14.8B
+47.9% YoY
-1.3% QoQ
|
-$23.6B |
$38.4B
-1.6% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
1.21%
+74.9% YoY
+32.3% QoQ
|
-0.07% |
1.28%
+18.7% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
3.81%
+20.2% YoY
+12.8% QoQ
|
+0.03% |
3.77%
+5.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
61.62%
+7.7% YoY
+7.3% QoQ
|
+7.62% |
54.01%
-3.7% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
0.35%
+302.3% YoY
-12.2% QoQ
|
-0.67% |
1.02%
-3.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
89.65%
+15.9% YoY
+0.6% QoQ
|
+8.86% |
80.79%
+1.9% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
23.84%
-11.8% YoY
-2.3% QoQ
|
+3.80% |
20.04%
+0.2% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.26%
+355.8% YoY
-13.5% QoQ
|
-0.46% |
0.72%
+4.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
14.06%
-13.3% YoY
+0.7% QoQ
|
-1.45% |
15.51%
-0.4% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.25%
-14.5% YoY
-71.7% QoQ
|
+0.03% |
0.22%
+0.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
75% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.