REGULATORY CAPITAL (Tables)

9 Months Ended

Sep. 30, 2025

Banking and Thrift, Other Disclosure [Abstract]

Schedule of Regulatory Capital Requirements Applicable to Busey and Busey Bank

The following tables summarize regulatory capital requirements applicable to First Busey and its subsidiary bank:

	As of September 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	$	1,907,982	12.33	%	$	696,419	4.50	%	$	1,005,938	6.50	%
Busey Bank	$	2,118,059	13.73	%	$	694,126	4.50	%	$	1,002,626	6.50	%
Tier 1 capital to risk weighted assets
First Busey	$	2,130,732	13.77	%	$	928,558	6.00	%	$	1,238,078	8.00	%
Busey Bank	$	2,118,059	13.73	%	$	925,501	6.00	%	$	1,234,002	8.00	%
Total capital to risk weighted assets
First Busey	$	2,458,553	15.89	%	$	1,238,078	8.00	%	$	1,547,597	10.00	%
Busey Bank	$	2,262,302	14.67	%	$	1,234,002	8.00	%	$	1,542,502	10.00	%
Leverage ratio of Tier 1 capital to average assets
First Busey	$	2,130,732	11.62	%	$	733,327	4.00	%	N/A		N/A
Busey Bank	$	2,118,059	11.59	%	$	731,219	4.00	%	$	914,024	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	%