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First Busey Corporation (BUSE) investor relations material
First Busey Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Achieved Q3 2025 adjusted net income of $57.4 million ($0.64 per share), with adjusted ROAA at 1.33% and efficiency ratio at 54.8%, driven by acquisition synergies and balance sheet optimization.
Completed CrossFirst Bankshares acquisition and a bank merger, expanding to 79 banking centers across 10 states and significantly increasing total assets and loan portfolio size.
Net interest margin improved to 3.58% in Q3 2025, supported by higher loan repricing and runoff of high-cost deposits.
Tangible book value per share increased 10% since year-end 2024, reaching $19.69.
Returned $13.5 million to shareholders in Q3 2025 through share repurchases, totaling $40 million YTD.
Financial highlights
Total assets at $18.2 billion, total loans at $13.6 billion, and total deposits at $15.1 billion as of September 30, 2025, reflecting 51% asset growth since year-end 2024.
Net interest income for Q3 2025 was $155.1 million, up 87.8% year-over-year; adjusted noninterest income was $42 million, up 14.9% year-over-year.
Adjusted pre-provision net revenue reached $84 million, with a 1.78% PPNR ROAA.
Quarterly dividend of $0.25 per share (4.3% yield) and active share repurchase program.
Noninterest expense for Q3 2025 was $120 million, up 58.9% year-over-year, reflecting acquisition and integration costs.
Outlook and guidance
Annual pre-tax expense synergies from CrossFirst acquisition estimated at $25 million, with 50% realized in 2025 and full realization in 2026.
Expect further cost of deposits reduction in Q4 2025 as balance sheet optimization continues and rate cuts are anticipated.
Additional $115 million in intentional brokered and non-relationship deposit runoff expected in Q4 2025, to be offset by organic growth.
Management expects continued pressure from commercial real estate payoffs but remains focused on credit quality and conservative underwriting.
Balance sheet optimization expected to be largely complete by year-end, with stability in loans and deposits anticipated.
Remaining high-cost deposit exposure?
How will CRE payoffs impact loan growth?
Detail CrossFirst synergy realization timeline
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Next First Busey Corporation earnings date
Q4 202527 Jan, 2026
Next First Busey Corporation earnings date
Q4 202527 Jan, 2026
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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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