← Back to Institutions
Busey Bank
Champaign, IL·FDIC Cert #16450·Charter: STATE·Est. 19460708.0·HC: FIRST BUSEY CORP
Total Assets
$18.1B
Q4 2025
Return on Assets
0.92%
+0.21%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.43%
Peer avg: 54.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%+0.21
ROE
7.17%+1.58
Efficiency
57.43%-1.51
Equity/Assets
0.00%+0.00
NPL Ratio
0.40%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.13%+0.60
Charge-offs
0.41%-0.08
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.1 | 1.1 | 0.7 | 0.4 | 0.7 | 0.9 |
| ROE | 8.5 | 8.4 | 8.8 | 8.9 | 5.2 | 3.1 | 5.6 | 7.2 |
| Efficiency | 54.1 | 56.5 | 56.2 | 56.7 | 57.2 | 61.5 | 58.9 | 57.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.1 | 0.1 | 0.3 | 0.1 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.3 | 0.4 | 0.3 | 0.2 | 0.1 | 0.6 | 0.5 | 0.4 |
| Loan/Deposit | 74.8 | 79.0 | 77.2 | 75.8 | 77.4 | 85.5 | 88.5 | 89.1 |
Balance Sheet
Total Assets$18.1B
Total Deposits$15.0B
Total Loans$13.4B
Total Equity$2.5B
Profitability
ROA0.92%
ROE7.17%
Efficiency Ratio57.43%
Net Income$172.8M
Risk & Asset Quality
NPL Ratio0.40%
Charge-off Rate0.41%
Loan/Deposit89.13%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans