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First Busey Corporation (BUSE) investor relations material
First Busey Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Completed CrossFirst Bank acquisition, expanding to 78 locations across 10 states and significantly increasing assets, loans, and deposits as of June 30, 2025.
Total assets grew 57% year-over-year to $18.92 billion, with portfolio loans up 79% to $13.81 billion, primarily due to the CrossFirst acquisition.
Adjusted net income for Q2 2025 was $57.4 million ($0.63 per diluted share), up from $40 million in Q1 2025 and $27.4 million in Q2 2024.
Integration of CrossFirst and realization of cost synergies are on track, with 50% synergy realization expected in 2025 and full realization in 2026.
Wealth management assets under care reached $14.1 billion, up 8% year-over-year.
Financial highlights
Net interest income rose to $153.2 million in Q2 2025, up 86% year-over-year; net interest margin expanded to 3.49% from 3.16% in Q1 2025.
Adjusted pre-provision net revenue reached $81 million, up from $55 million in Q1 2025.
Noninterest income increased 33% year-over-year to $44.9 million, driven by wealth management and treasury management fees.
Adjusted efficiency ratio improved to 55.3% from 58.7% in Q1 2025.
Provision for credit losses was $5.7 million in Q2 2025, with a $4.0 million adjustment related to the CrossFirst acquisition.
Outlook and guidance
Annual pre-tax expense synergies from the CrossFirst acquisition are expected to reach $25 million, with full realization in 2026.
Projected deposit growth to align with loan growth in 2H25; core deposit growth remains a strategic priority.
Expect total cost of deposits to range between 2.00-2.15% for 2H25, assuming two Fed Funds rate cuts.
Management expects continued pressure from commercial real estate paydowns and tempered loan demand due to macroeconomic uncertainty.
Focus remains on conservative underwriting, core deposit growth, and maintaining strong capital and liquidity positions.
How did CrossFirst acquisition impact NIM?
What are the expected expense synergies?
Detail liquidity sources as of June 30, 2025.
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Next First Busey Corporation earnings date
Q3 202521 Oct, 2025
Next First Busey Corporation earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
First Busey Corporation operates as the bank holding company for Busey Bank, offering retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. The company functions through three main segments: Banking, Wealth Management, and FirsTech. The Banking segment provides a range of services, including deposits, loans, and money transfers for both individual and corporate clients. The Wealth Management segment offers asset management, investment services, and fiduciary services. The FirsTech segment delivers payment technology solutions such as online and mobile bill payments and lockbox remittance processing. First Busey Corporation is headquartered in Champaign, Illinois, and its shares are listed on the NASDAQ.
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