Total Assets
$18.1B
Total balance-sheet footings
FDIC Cert #16450 · Champaign, Illinois · Est. 1946
Busey Bank - FDIC Bank Health Profile
A community-scale look at Busey Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $18.1B
- Total assets
- A
- Health grade · Excellent
- 0.92%
- Return on assets
- 14.0%
- Tier 1 capital
Data updated July 2026
The verdict
Busey Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 13.97% Tier 1, 0.92% ROA, efficient (57% cost ratio).
- #111
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 13.97%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 16450 · IL A · 81/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL
- GRADE-A A (81/100)
- MID-PACK #1849/4307
- PHOTO-FINISH Waukesha State Bank · WI
- TIER1-WELL 14.0% Tier 1
- TEXAS-CLEAN 2.0% Texas
- ROA-PAR 0.92% ROA
- SIZE-LARGE $10–100B
- BOOK-FULL 9/9 fields
Nearest health peer outside Illinois: Waukesha State Bank, WI (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Busey Bank
Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.
Call Report read for Busey Bank in a high-failure state
Busey Bank (FDIC Cert #16450) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,849 of 4,307. Tier 1 capital prints at 13.97%, clearing the 10% well-capitalized line. The Texas Ratio is 2.01%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $18.1B, 111th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Waukesha State Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Busey Bank
71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus
Busey Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Busey Bank's current Call Report.
- METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
- PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
- FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.
How Busey Bank's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (13.97%) 35/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (2.01%) 20/20
Efficiency Ratio (57.43%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$15.0B
Customer-funded liabilities
Net Loans
$13.4B
Outstanding loan book
Net Income
$173M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Busey Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Busey Bank's score of 81/100 falls in the highlighted band.
Busey Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
81 Top 43% higher than 57% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Busey Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Busey Bank's $18.1B falls in the highlighted band.
Capital & credit buffers at Busey Bank
Tier 1 capital ratio
Well-capitalized 10%
13.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.97%
Texas Ratio
2.01%
Equity Capital
$2.5B
Profitability metrics: Busey Bank
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
7.17%
Efficiency Ratio
57.43%
Income & expense at Busey Bank
$894M
Interest Income
$160M
Non-Interest Income
$442M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Busey Bank reports a Texas Ratio of 2.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
National size peers: banks closest to Busey Bank by assets
Measured strictly by total assets rather than geography, Busey Bank's closest national peers include ServisFirst Bank, Bank of Hope, Third Federal Savings and Loan Associ…, Enterprise Bank & Trust, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Illinois. Averaged across this asset-matched cohort, return on assets runs 1.05% (Busey Bank is below that at 0.92%), the efficiency ratio averages 56.40% (Busey Bank runs higher at 57.43%), and Tier 1 capital averages 12.77% (Busey Bank holds more at 13.97%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $18.1B in assets, Busey Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Busey Bank (this bank) | IL | $18.1B | 0.92% | 57.43% | 13.97% |
| ServisFirst Bank | AL | $17.7B | 1.58% | 31.70% | 11.83% |
| Bank of Hope | CA | $18.5B | 0.42% | 69.20% | 12.82% |
| Third Federal Savings and Loan Association of Cleveland | OH | $17.5B | 0.51% | 63.06% | 15.82% |
| Enterprise Bank & Trust | MO | $17.3B | 1.29% | 56.65% | 11.94% |
| Trustmark Bank | MS | $18.9B | 1.26% | 62.79% | 12.33% |
| First Merchants Bank | IN | $19.0B | 1.27% | 54.97% | 11.86% |
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($18.1B here), outside Illinois so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Busey Bank (FDIC Cert #16450) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Busey Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
| First Mid Bank & Trust, National AssociationMattoon | $7.9B | A | 1.15% |