First Busey Results Presentation Deck

4Q23 Earnings Investor Presentation Office Investor Owned CRE Portfolio All data as of 12/31/23 $ in thousands Metric Total Balances % of CRE-I Portfolio % of Office CRE-I Portfolio # of Loans Average Loan Size Total Classified Balances Weighted Avg Current LTV Traditional Office $267,759 9.4 % 59.3 % 197 $1,359 $18,654 57 % Medical Office $183,664 6.4 % 40.7 % 77 $2,385 $0 First Busey Corporation | Ticker: BUSE 65 % Top Ten Largest Office Loans $122,281 Weighted Average Debt Yield: WAvg 1-Year Lease Rollover: WAvg 2-Year Lease Rollover: 4.3 % 27.1% 10 $12,228 $17,999 66% CBD Office Exposure Top Ten Largest Office Loans Weighted Average DSCR: 1.39 10.3% 8.0% 12.0% $9,369 0.3 % 2.1 % 5 $1,874 $0 43% Limited Metro Central Business District Exposure Downtown Chicago No outstanding Office CRE-I in Downtown Chicago Downtown St. Louis 4 Properties with $9.0 million in balances Downtown Indy 1 Property with $0.4 million in balances Delmar Bivd Olive St LAFAYETTE n St School CARR SQUARE Dr Martin Luther King Dr gan St rk St- blis Washington Ave m St Louis Union Station W 10th St Indiana Ave 171 INS S-West St N Illinois St QUIS S Illinois St O COLUMBUS SQUARE 751 9th St CHATHAM-ARCH Indianapolis E 10th E New York St Virgin 65 E:OH E Marke 710 13 B

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