BlastPoint's Banking Scorecard
Busey Bank
Mid-Market
Specialty: Commercial
IL
FDIC cert 16450
Champaign, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Busey Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 67% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$18.1B
+50.3% YoY
-0.5% QoQ
|
+$7.6B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$13.4B
+75.9% YoY
-0.2% QoQ
|
+$6.3B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$15.0B
+49.5% YoY
-0.9% QoQ
|
+$6.5B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.92%
-19.3% YoY
+30.4% QoQ
|
-0.25% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.38%
+10.2% YoY
+4.6% QoQ
|
-0.02% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
57.43%
+1.3% YoY
-2.6% QoQ
|
+0.83% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.40%
+30.9% YoY
+12.9% QoQ
|
-0.29% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
89.13%
+17.7% YoY
+0.7% QoQ
|
+3.66% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
24.41%
-10.0% YoY
+3.9% QoQ
|
+3.77% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.30%
+54.7% YoY
+2.4% QoQ
|
-0.20% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
13.97%
-15.1% YoY
+1.7% QoQ
|
+0.42% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.89%
-27.8% YoY
+38.5% QoQ
|
-0.07% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#13 of 19 · Bottom 67% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.92%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $13.4B · Tier avg: $7.1B
89
89th pctile
Total Deposits
Current: $15.0B · Tier avg: $8.5B
88
88th pctile
Total Assets
Current: $18.1B · Tier avg: $10.5B
72
72th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.96%
69
69th pctile
Tier 1 Capital Ratio
Current: 13.97% · Tier avg: 13.55%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.41% · Tier avg: 20.64%
67
67th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
46
46th pctile
Efficiency Ratio
Current: 57.43% · Tier avg: 56.60%
43
43th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.40%
43
43th pctile
Loan-to-Deposit Ratio
Current: 89.13% · Tier avg: 85.47%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
Top Weaknesses
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
43
43th pctile
Loan-to-Deposit Ratio
Current: 89.13% · Tier avg: 85.47%
43
43th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.40%
46
46th pctile
Efficiency Ratio
Current: 57.43% · Tier avg: 56.60%
67
67th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.41% · Tier avg: 20.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
69
69th pctile
Tier 1 Capital Ratio
Current: 13.97% · Tier avg: 13.55%
72
72th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.96%
88
88th pctile
Total Assets
Current: $18.1B · Tier avg: $10.5B
89
89th pctile
Total Deposits
Current: $15.0B · Tier avg: $8.5B
91
91th pctile
Total Loans
Current: $13.4B · Tier avg: $7.1B