FIRST BUSEY CORP /NV/

Busey’s capital ratios are in excess of those required to be considered well capitalized pursuant to applicable regulatory guidelines. The Federal Reserve uses capital adequacy guidelines in its examination and regulation of bank holding companies and their subsidiary banks. Risk-based capital ratios are established by allocating assets and certain off-balance-sheet commitments into risk-weighted categories. These balances are then multiplied by the factor appropriate for that risk-weighted category. In order to avoid regulatory limits on dividends, equity repurchases, and discretionary bonus payments, banking institutions must maintain capital in excess of regulatory minimum capital requirements. The table below presents minimum capital ratios that include the capital conservation buffer in comparison to the capital ratios for Busey and Busey Bank as of September 30, 2026:

For further discussion of capital resources and requirements, see“Note 8. Regulatory Capital.”

First Busey Corporation(BUSE) | 2026 Q3 — 93