# BUSEY BANK
CHAMPAIGN, IL · FDIC certificate 16450 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $18.15B | |
| Deposits | $15.16B | |
| Loans and leases | $13.20B | |
| Total equity | $2.48B | |
| Loans / deposits | 86.03% (p52 of band) | 85.78% |
| Liquid assets / assets | 20.11% (p39 of band) | |
| Uninsured deposits / deposits | 43.03% (p65 of band) | 38.39% |
| Brokered deposits | 0.33% | |
| Wholesale funding | 1.81% (p14 of band) | |
| FHLB advances / assets | 0.63% | |
| Tier 1 leverage | 12.38% (p89 of band) | 10.17% |
| Unrealized securities loss / equity | -11.25% (p29 of band) | -7.43% |
| AOCI / equity | -0.67% (p28 of band) | |
| ROA (annualized) | 1.33% (p59 of band) | 1.24% |
| Net interest margin | 3.78% (p61 of band) | 3.57% |
| Efficiency ratio | 57.76% (p67 of band) | |
| Noncurrent loans | 0.51% (p35 of band) | 0.66% |
| Net charge-offs (annualized) | 0.15% (p71 of band) | |
| Reserve coverage of noncurrent | 243.50% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 41.46% (p65 of band) | |
| Auto loans | $44.2M (0.33% of loans; DQ 1.40%, NCO 0.00%) | |
| Loans to nondepository financials | $481.6M (19% of equity) (p68 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 1833 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | uninsured deposits leaving |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | uninsured deposits leaving |
| 2021-09 | 1 | NIM <2.5% |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 0 |  | NIM <2.5%, capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-03 | 1 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2023-06 | 1 | securities losses >30% of equity | deposits shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | capital falling, charge-offs p90 |  |
| 2025-09 | 0 |  | capital falling, charge-offs p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [Built Together in Champaign, Leading Together Nationally: Illinois Athletics and Busey Bank Announce Expanded Partnership - University of Illinois Athletics](https://news.google.com/rss/articles/CBMi_gFBVV95cUxQdEwzbVBaZFhtRnZQOW4wb05HYjZjeERRSmVzamVRQU11YWgwMlAwV2JWOHhLOTdpM1BSN2MwUjN6QXpPOUdhNndLXzlRU1NOeF9mMUFQME5vRUZROXpaa1dldGlIems1SFM4NWNVOEppblFScVotR2Z5bXdVNkwwQWVCSWF5NkFIR0RSWi1aZHZyZDlndVN5aTBaT19mN2VBbkQ5Ml9hTWNHTUlXd0RtZ1RLcmdxenlUTndzeWdLZXlqUHkzN3oyeTdQUjBueWNRQVBUbXBxOS1hYkdFaTJpaDJHNm1WV0dDZHp3cnZ0bGNFOUNodWsyd0dQNnYtQQ?oc=5) · University of Illinois Athletics
- 2026-07-27 [Busey Bank becomes jersey patch partner of Illinois Athletics - The Daily Illini](https://news.google.com/rss/articles/CBMimwFBVV95cUxPWjgtM25Nbi05d3M2MkE5eDhoS3p3eHp4aFVzRWRrcm5KLWhSM1VESVQ4QnRkSGNMNVVxSk13cGg4ZkdCTDl0SUlSRUlJX0JSd1BlVHhKaVBZS3NPU3Q4SW0xVURPX2RIMUlldTNlSmJZdzVvTnQ0MmdtbzlhdXU2OTVGc0lscWkyaUE5ZGFTaUxVZ0RGY3QwSnk2Zw?oc=5) · The Daily Illini
- 2026-01-05 [Busey Bank Named Official Bank of the Big 12 Conference - Big 12 Conference](https://news.google.com/rss/articles/CBMinwFBVV95cUxNMGlpR09WVS0ybFRXRUFMcEpSbkFmRW1FM2I4RHBBNkIyYllvWXo2elNxOENpTTRNaUQ3czNEMU1uRkhtOTFCRTJVaDQwclp4bk5Xdl9ZYnZZMEc3Nm5FbnJPQjJiVHV1OFJjeW5aYmRpXzc1WTVXejVZYlRQNE10TnhzZ2ZqaXdEY19vOVBPdS11bVE5WlBQTU5TeHQ2MzA?oc=5) · Big 12 Conference
- 2026-08-31 [Illinois Announces Community Impact Partnership with Busey Bank, Carle Health and Experience Champaign-Urbana Foundation - University of Illinois Athletics](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPbnRHbzBVeG96Vi1GTm5SbnVuREEzbEJxU19hYmxHSEFRLWVVSFFmZmNraXF0WlFfNlNPdVVHWXFTbUJlbGFNX0ptN3V3YjU0cFJHcWVUTDZzYWhJVGJ5NFJQOUZfQ21meUliWjJMOVl6Ylk5YmoyUXk1XzFidVJaQ01FRGhBc2FtZjZXQUF2TjV6Z2E2MlNQSzhIM1IwQ3Brc25lSlFud0lBMDZCNWgwalFicDYxWGVIOHRBYnZuZDBrWW1NNGcwc0NJQXNIdk9FT0FBV0Z0YW96TW5US0xhQnBxRU0zTlphSFphb1M5WldmcUUyejFWdndCWFVXU1U?oc=5) · University of Illinois Athletics
- 2026-07-27 [Illini announce jersey patch partnership with Busey Bank - WCIA.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQRmRHZDZTZlRqTFNVVFZhelVqT1l0enFHaXFTbkNZbkI4ZFd1aE9nZk1fbjdsUmVvQ2ZHV09LUGF1X2Z1dHJFWWluNkdYUVczVnFoR1N1NDBWOVhrWjJiMkhXM1BPS1J4OXBwaEVMaUY0OVZPRDFxVFM3bHlZQW16aFZoU0xqdkRIRUZGLTlhUWNWZUhsZjg3NkpMTEVGWTNSRV9KcUh6MNIBrAFBVV95cUxOWXJvV09jd0haakxYc1Zobk5UNGVETkYtRjhHdTUtQzU5MVAtMHh2T3pWbnhCTm53eHlSYVo1aE5WVUFIUVdtM0xTTkRtUFBiVDlPMUJiUG96aWYtX2lBSmZXTkpoc1A5UUg5eEFpYnV1bWZMTEprNFN1ajdQZTcwcXY4VlNyVWdXdTBLLTJyenBVVGJoRkFOOEJ6RGMxVTJyMXk3UXhBVy05X1FR?oc=5) · WCIA.com
- 2026-07-27 [Illinois adding jersey patch partner in one of nation’s biggest deals - Sports Business Journal](https://news.google.com/rss/articles/CBMixgFBVV95cUxOWU1PT28xa0NNQkFRMUZkQmpFV3NLbjdNYUpaV1VpOUhMVWdaMkZGcnNfNjlCaTFOQXQtVEFDM28yMDBuV0xoaWpkd3NZbjJkMjJOdk8xTFRZZkZpejlQZlcxLUh6ajFPZFFDN2xfLWYweXVxT0xVdWxiUWU0THFIZXFMRlZjc1BOQnBmVUExdkVwVDJDSHdWYS0yZ1gtNVlUampKM1Q0RHVfNTJlRl8xakYySVEyRTVLa1ZOaXh2ckFGYkdCOGc?oc=5) · Sports Business Journal
- 2026-08-13 [Illinois’s $30M Busey Bank Deal: Exec Road Trips, Player Job Pipeline - Yahoo Sports](https://news.google.com/rss/articles/CBMihgFBVV95cUxNaWlXbWRYRFBSbW1pQ2trZGJVZDA2OEhGTllvYXc5eDMxeTdkTDU3MHViVFFLeUFyOVV2QlJSSS1QQVpCeHlKbmdlRFp5enRoVzM1a0N0MFBaSFQtRnktWUdOUUxYdnpYYlg3S1pRZzAtSVNEYkdhYW13QnpLN0NjOFlPcVdzQQ?oc=5) · Yahoo Sports
- 2026-08-14 [More Than Just a Jersey Patch Deal - Front Office Sports](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSmZRYWlIU1F0dGYxQ0NGZ0VGcVJ5UU53aGpnQWw4TG02dkJQeEk3OTNlRXZseVlmODBJZkxWME0tWl85Q3o2dkxSYWlFdUMxR2VHVnR2TnpvNm41YVFza1ZmdXk2MmxnS2lkQm1feVZxUlB5Y1kzMkhLRlhsVlowRUdB?oc=5) · Front Office Sports

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16450 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "16450", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide