$BUSE First Busey Corporation

What Do They Do?

Provides banking and wealth-management services to individuals, businesses, and foundations, and payment-processing solutions to businesses.

How Do They Make Money?

Makes money from interest and fees on loans and investments, wealth-management fees for managing customer assets, and fees for payment and account services. Wealth-management and payment-service fees are generally earned monthly; account-service fees are generally earned monthly or when a transaction is completed, with payment generally received then.

revenue

Segment	Share	How money arrives
Wealth management fees Recurring	53% FY2022: 51%	Recurring
Payment technology solutions Usage-based	15% FY2022: 18%	Usage-based
Treasury management services	13%
Card services and ATM fees Usage-based	14%	Usage-based
Other service charges on deposit accounts	4.8%

Who Are Their Customers?

Individuals and businesses use Busey Bank for deposits, loans, and other banking services through its banking centers and digital channels; wealth-management services also serve foundations. FirsTech provides payment tools to businesses collecting payments from their customers.

Do Revenues Turn Into Profits?

Yes. It kept 19 cents of every revenue dollar as net income in FY2025 and turned 24 cents into free cash flow.

Net income, FY2025

19% of revenue

▲ +19% vs FY2024 ($113.7M, 25%)

Free cash flow, FY2025

24% of revenue

▲ +1% vs FY2024 ($171.8M, 37%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▼ −1%; vs $198M in Q2 FY2025
Net income: ▲ +33%; vs $47.4M in Q2 FY2025

Wealth management fees share of noninterest income vs 49.4% in Q2 FY2025

Revenue over time

Wealth management fees Payment technology solutions Treasury management services Card services and ATM fees Other service charges on deposit accounts Fees for customer services

$200M$100M$0

FY2021 FY2022 FY2023 FY2024 FY2025