Q3 2025 EARNINGS INVESTOR PRESENTATION October 28, 2025 3Q25 Earnings Investor Presentation First Busey Corporation | Ticker: BUSE 2 Forward-Looking Statements This presentation may contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to First Busey Corporation's ("Busey's") financial condition, results of operations, plans, objectives, future performance, and business. Forward-looking statements, which may be based upon beliefs, expect ...

Financial Performance - Adjusted diluted EPS increased from $0.57 in 1Q25 to $0.63 in 2Q25[10] - Adjusted net income increased from $40 million in 1Q25 to $57 million in 2Q25[10] - Adjusted pre-provision net revenue (PPNR) increased from $55 million in 1Q25 to $81 million in 2Q25[10] - Net interest margin increased from 3.16% in 1Q25 to 3.49% in 2Q25[10] - Adjusted efficiency ratio improved from 58.7% in 1Q25 to 55.3% in 2Q25[10] Balance Sheet and Capital - Total assets reached $18.9 billion in 2Q25[8, 21] - Total capital ratio was 15.8% in 2Q25[8, 36] - Tier 1 capital ratio increased to 13.7% at 6/30/25 from 12.0% at 3/31/25[5] - Tangible common equity to tangible assets ratio was 9.27% at 6/30/25, up from 8.30% at 6/30/24[36] Loan Portfolio - Total loan portfolio was $13.8 billion[43] - Non-performing loans (NPLs) to total loans ratio was 0.40%[43] - Classified loans to capital ratio was 7.7%[43] Deposits - Total deposits reached $15.8 billion[18, 70] - Core deposits represented 92.5% of total deposits[36, 70] - Average deposits per branch were $203 million[20, 70] - Non-interest bearing deposits accounted for 22.7% of total deposits[36] Wealth Management and FirsTech - Wealth assets under care reached $14.1 billion[8, 21, 96] - FirsTech processed $11 billion in payments[21, 151]