v3.26.1
REGULATORY CAPITAL
 6 Months Ended
Jun. 30, 2026
Banking and Thrift, Other Disclosure [Abstract]  
REGULATORY CAPITAL
NOTE 8. REGULATORY CAPITAL
Busey and Busey 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 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, 2026, and December 31, 2025, all capital ratios of Busey and Busey 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, 2026, that would change this designation.
Capital Amounts and Ratios
The following tables summarize regulatory capital requirements applicable to Busey and Busey Bank:
As of June 30, 2026
ActualMinimum
Capital Requirement		Minimum
To Be Well Capitalized
(dollars in thousands)AmountRatio AmountRatio AmountRatio
Common equity Tier 1 capital to risk weighted assets
Busey$1,859,031 12.53 %$667,908 4.50 %$964,756 6.50 %
Busey Bank$2,168,464 14.65 %$665,889 4.50 %$961,839 6.50 %
 
Tier 1 capital to risk weighted assets
Busey$2,081,781 14.03 %$890,544 6.00 %$1,187,391 8.00 %
Busey Bank$2,168,464 14.65 %$887,852 6.00 %$1,183,802 8.00 %
 
Total capital to risk weighted assets
Busey$2,390,209 16.10 %$1,187,391 8.00 %$1,484,239 10.00 %
Busey Bank$2,312,314 15.63 %$1,183,802 8.00 %$1,479,753 10.00 %
 
Leverage ratio of Tier 1 capital to average assets
Busey$2,081,781 11.86 %$702,084 4.00 %N/AN/A
Busey Bank$2,168,464 12.38 %$700,802 4.00 %$876,002 5.00 %
As of December 31, 2025
ActualMinimum
Capital Requirement		Minimum
To Be Well Capitalized
(dollars in thousands)AmountRatio AmountRatio AmountRatio
Common equity Tier 1 capital to risk weighted assets
Busey$1,920,388 12.43 %$694,987 4.50 %$1,003,870 6.50 %
Busey Bank$2,150,048 13.97 %$692,654 4.50 %$1,000,500 6.50 %
 
Tier 1 capital to risk weighted assets
Busey$2,143,138 13.88 %$926,650 6.00 %$1,235,533 8.00 %
Busey Bank$2,150,048 13.97 %$923,539 6.00 %$1,231,385 8.00 %
 
Total capital to risk weighted assets
Busey$2,459,847 15.93 %$1,235,533 8.00 %$1,544,416 10.00 %
Busey Bank$2,287,179 14.86 %$1,231,385 8.00 %$1,539,231 10.00 %
 
Leverage ratio of Tier 1 capital to average assets
Busey$2,143,138 11.93 %$718,334 4.00 %N/AN/A
Busey Bank$2,150,048 12.00 %$716,476 4.00 %$895,596 5.00 %
Capital Conservation Buffer
Busey is subject to a capital conservation buffer pursuant to the Basel III Rule, 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 avoid regulatory limits 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%, (2) Tier 1 capital to risk-weighted assets of at least 8.5%, and (3) total capital to risk-weighted assets of at least 10.5%.