First Busey

Busey helps people and businesses manage money, make payments, and plan for the future. Its banking services offer loans and accounts for daily needs. Payment technology and wealth management help clients pay bills and grow assets.

Money Moves: Products and Services

• Banking Services: Checking, savings, and loans for individuals and businesses (Banking segment: approximately 111% of net income in 2025).
• Wealth Management: Investment advice, trust, and estate planning for individuals and institutions (Wealth Management: 18% of net income in 2025).
• Payment Technology: Bill payment, walk-in payments, and digital payment tools for regulated industries (FirsTech: –1.3% of net income in 2025).
• Commercial Services: Cash management and deposit solutions for businesses and government clients.
• Specialty Lending: Loans for real estate, agriculture, and business expansion.

Branching Out: Growth and Expansion

• Acquired CrossFirst Bankshares in 2025, entering Texas, Colorado, and four other states.
• Bought Merchants and Manufacturers Bank Corporation in 2024, expanding in suburban Chicago and adding new loan products.
• Opened a second Denver service center in August 2025 to support regional growth.
• Invested in digital banking and payment technology to reach more customers.

Why Busey Stands Out

Busey operates in 10 states with a strong regional focus and diversified services. Its payment technology arm, FirsTech, offers multi-channel payment solutions for regulated sectors. The company maintains high capital ratios and a stable deposit base, supporting resilience in changing markets.

Five Things You Need to Know

• Total revenue was $278 million in Q4 2025, up 67.7% from Q4 2024.
• Net income reached $135.3 million in 2025, a 19% increase year-over-year.
• Wealth management assets under care were $15.66 billion at year-end 2025, up 13.2%.
• Core deposits made up 93.7% of total deposits as of December 2025.
• Loan portfolio grew to $13.57 billion in 2025, up 76.3% from 2024.

Bottom Line

Busey has grown through acquisitions and expanded its services across banking, payments, and wealth management. Its diversified model and strong capital position support stability and adaptability in a competitive market.