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REGULATORY CAPITAL | 6 Months Ended
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Jun. 30, 2025
Banking and Thrift, Other Disclosure [Abstract] |
REGULATORY CAPITAL | NOTE 8. REGULATORY CAPITAL First Busey and its subsidiary bank are subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory—and possibly additional discretionary—actions by regulators that, if undertaken, could have a direct material effect on First Busey's consolidated financial statements. Capital amounts and classification also are subject to qualitative judgments by regulators about components, risk weightings, and other factors. Banking regulations identify five capital categories for insured depository institutions: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized. As of June 30, 2025 and 2024, all capital ratios of First Busey and its subsidiary bank exceeded well capitalized levels under the applicable regulatory capital adequacy guidelines. Management believes that no events or changes have occurred subsequent to June 30, 2025, that would change this designation. Capital Amounts and Ratios The following tables summarize regulatory capital requirements applicable to First Busey and its subsidiary bank:
|  | As of June 30, 2025
|  | Actual |  | Minimum Capital Requirement |  | Minimum To Be Well Capitalized
(dollars in thousands) |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
Common equity Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |
First Busey |  | $ | 1,888,100 |  |  | 12.22 | % |  | $ | 695,299 |  |  | 4.50 | % |  | $ | 1,004,321 |  |  | 6.50 | %
Busey Bank |  | $ | 2,098,016 |  |  | 13.62 | % |  | $ | 692,964 |  |  | 4.50 | % |  | $ | 1,000,949 |  |  | 6.50 | %
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |
First Busey |  | $ | 2,110,850 |  |  | 13.66 | % |  | $ | 927,065 |  |  | 6.00 | % |  | $ | 1,236,087 |  |  | 8.00 | %
Busey Bank |  | $ | 2,098,016 |  |  | 13.62 | % |  | $ | 923,953 |  |  | 6.00 | % |  | $ | 1,231,937 |  |  | 8.00 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |
First Busey |  | $ | 2,434,172 |  |  | 15.75 | % |  | $ | 1,236,087 |  |  | 8.00 | % |  | $ | 1,545,109 |  |  | 10.00 | %
Busey Bank |  | $ | 2,237,760 |  |  | 14.53 | % |  | $ | 1,231,937 |  |  | 8.00 | % |  | $ | 1,539,921 |  |  | 10.00 | %
Leverage ratio of Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |
First Busey |  | $ | 2,110,850 |  |  | 11.26 | % |  | $ | 749,585 |  |  | 4.00 | % |  | N/A |  | N/A
Busey Bank |  | $ | 2,098,016 |  |  | 11.22 | % |  | $ | 747,971 |  |  | 4.00 | % |  | $ | 934,963 |  |  | 5.00 | %
|  | As of December 31, 2024
|  | Actual |  | Minimum Capital Requirement |  | Minimum To Be Well Capitalized
(dollars in thousands) |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
Common equity Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |
First Busey |  | $ | 1,237,301 |  |  | 14.10 | % |  | $ | 394,840 |  |  | 4.50 | % |  | $ | 570,325 |  |  | 6.50 | %
Busey Bank |  | $ | 1,438,296 |  |  | 16.46 | % |  | $ | 393,277 |  |  | 4.50 | % |  | $ | 568,067 |  |  | 6.50 | %
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |
First Busey |  | $ | 1,314,301 |  |  | 14.98 | % |  | $ | 526,453 |  |  | 6.00 | % |  | $ | 701,938 |  |  | 8.00 | %
Busey Bank |  | $ | 1,438,296 |  |  | 16.46 | % |  | $ | 524,369 |  |  | 6.00 | % |  | $ | 699,159 |  |  | 8.00 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |
First Busey |  | $ | 1,625,943 |  |  | 18.53 | % |  | $ | 701,938 |  |  | 8.00 | % |  | $ | 877,422 |  |  | 10.00 | %
Busey Bank |  | $ | 1,520,938 |  |  | 17.40 | % |  | $ | 699,159 |  |  | 8.00 | % |  | $ | 873,949 |  |  | 10.00 | %
Leverage ratio of Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |
First Busey |  | $ | 1,314,301 |  |  | 11.06 | % |  | $ | 475,348 |  |  | 4.00 | % |  | N/A |  | N/A
Busey Bank |  | $ | 1,438,296 |  |  | 12.14 | % |  | $ | 473,878 |  |  | 4.00 | % |  | $ | 592,347 |  |  | 5.00 | %
Capital Conservation Buffer In July 2013, U.S. federal banking authorities approved the Basel III Rule for strengthening international capital standards. The Basel III Rule introduced a capital conservation buffer, composed entirely of common equity Tier 1 capital, which is added to the minimum risk-weighted asset ratios. The capital conservation buffer is not a minimum capital requirement; however, banking institutions with a ratio of common equity Tier 1 capital to risk-weighted assets below the capital conservation buffer will face constraints on dividends, equity repurchases, and discretionary bonus payments based on the amount of the shortfall. In order to refrain from restrictions on dividends, equity repurchases, and discretionary bonus payments, banking institutions must maintain minimum ratios of (1) common equity Tier 1 capital to risk-weighted assets of at least 7.0%, which First Busey exceeded by 522 bps as of June 30, 2025, (2) Tier 1 capital to risk-weighted assets of at least 8.5%, which First Busey exceeded by 516 bps as of June 30, 2025, and (3) total capital to risk-weighted assets of at least 10.5%, which First Busey exceeded by 525 bps as of June 30, 2025.

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