| Schedule of Regulatory Capital Requirements Applicable to Busey and Busey Bank |
The following tables summarize regulatory capital requirements applicable to Busey and Busey Bank: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of June 30, 2026 | | 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 | | | | | | | | | | | | | 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/A | | N/A | | Busey Bank | $ | 2,168,464 | | | 12.38 | % | | $ | 700,802 | | | 4.00 | % | | $ | 876,002 | | | 5.00 | % |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 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 | | | | | | | | | | | | | 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/A | | N/A | | Busey Bank | $ | 2,150,048 | | | 12.00 | % | | $ | 716,476 | | | 4.00 | % | | $ | 895,596 | | | 5.00 | % |
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