| Metric | Busey Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +5.9% | -9.7 pts |
| Deposit growth (YoY) | -5.0% | +5.7% | -10.6 pts |
| Loan growth (YoY) | -4.4% | +6.9% | -11.3 pts |
| ROA | 1.33% | 1.23% | +0.1 pts |
| ROE | 9.8% | 11.2% | -1.5 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.15B | $15.16B | $13.04B | $2.48B | $120.6M | 1.33% | 3.78% | 0.37% |
| Q1 2026 | $18.01B | $14.83B | $13.30B | $2.46B | $54.7M | 1.21% | 3.81% | 0.26% |
| Q4 2025 | $18.05B | $15.03B | $13.40B | $2.48B | $172.8M | 0.92% | 3.38% | 0.30% |
| Q3 2025 | $18.14B | $15.17B | $13.43B | $2.44B | $100.4M | 0.70% | 3.23% | 0.29% |
| Q2 2025 | $18.87B | $15.95B | $13.64B | $2.41B | $37.4M | 0.39% | 2.99% | 0.31% |
| Q1 2025 | $11.98B | $10.02B | $7.76B | $1.61B | $20.8M | 0.69% | 3.17% | 0.06% |
| Q4 2024 | $12.01B | $10.06B | $7.62B | $1.58B | $138.6M | 1.14% | 3.06% | 0.19% |
| Q3 2024 | $11.95B | $10.02B | $7.74B | $1.61B | $102.6M | 1.12% | 3.04% | 0.07% |
Loan mix (Q2 2026): real estate $8.75B · commercial $2.77B · consumer $638.9M · securities $2.97B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Busey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.23% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.3% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.8% | 54.9% | 66th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Busey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Busey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Busey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Busey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.