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.
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.
Busey Bank's 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'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.
Safety metrics
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
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
7.17%
Efficiency Ratio
57.43%
What the numbers say about Busey Bank
Busey Bank is an FDIC-insured institution (Certificate #16450) headquartered in Champaign, Illinois, established in 1946. It holds $18.1B in total assets - 111th of 4,313 FDIC-insured banks, $15.0B in customer deposits, and $13.4B in net loans. Capital-wise, the Tier 1 ratio sits at 13.97%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.01%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Busey Bank sits in the top decile of all FDIC-insured institutions by asset size (111th of 4,313), and within Illinois it ranks 4th of 330 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Byline Bank, at $9.6B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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% |
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.
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% |
Frequently asked questions
What is Busey Bank's health grade?▼
Busey Bank receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Busey Bank?▼
Busey Bank holds $18.1B in total assets and $15.0B in deposits, ranking 111th of 4,313 FDIC-insured banks by asset size. It is headquartered in Champaign, Illinois.
Is my money safe at Busey Bank?▼
Yes, deposits at Busey Bank (Certificate #16450) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Busey Bank's Tier 1 Capital Ratio?▼
Busey Bank has a Tier 1 Capital Ratio of 13.97%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Busey Bank?▼
Busey Bank has a Texas Ratio of 2.01%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Busey Bank?▼
Busey Bank has an Efficiency Ratio of 57.43%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Busey Bank's profile as a depositor or analyst.
- Busey Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Busey Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.