Loading...
•
Dec 31, 2025
First Busey Q4 2025 Earnings Report
First Busey delivered strong Q4 results with significant increases in earnings, margin, and return metrics, boosted by the CrossFirst integration.
Key Takeaways
First Busey Corporation posted a solid Q4 2025 with $60.8M in net income and improved margins. The quarter saw robust wealth management revenue, continued strategic deposit runoff, and expanding capital ratios.
Net income for Q4 2025 reached $60.8M, up from $28.1M in Q4 2024.
Net interest margin expanded to 3.71% due to strong deposit cost control.
Wealth management revenue set a quarterly record at $18.1M.
Efficiency ratio improved to 57.4%, and adjusted return on average assets rose to 1.41%.
Revenue by Segment
Forward Guidance
Busey is positioned to manage 2026 with strength, leveraging a strong liquidity profile, improving credit metrics, and a diversified business model following the CrossFirst integration.
Positive Outlook
- Strong capital base with CET1 ratio at 12.44%
- Continued improvement in efficiency metrics
- High liquidity with $7.68B in available sources
- Deposit funding costs declined quarter-over-quarter
- Robust growth in wealth management AUC to $15.66B
Challenges Ahead
- Intentional runoff of $180M in deposits reduced deposit base
- Higher classified assets due to PCD loans from acquisition
- Non-interest expense impacted by $3.8M operating loss
- Increased non-performing assets vs. prior year
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...