First Busey Results Presentation Deck

2Q23 Earnings Investor Presentation High Quality Loan Portfolio Loan Portfolio Composition | 2023 1-4 Family Residential 19% $ in millions C&D 7% $7,490 $1,884 $466 $3,228 Ex-PPP Loans Trends LTM Core Growth +4.2% $7,669 $1,912 HELOC 3% Other 4% 2022 Q2 Total Loan Portfolio: $7.8 Billion Non-Owner Occupied CRE 31% $1,946 $500 $3,279 Commercial & Industrial 24% $1,944 3 Owner Occupied CRE 12% $7,725 $1,959 $530 $3,262 First Busey Corporation | Ticker: BUSE $1,974 MRQ Yield on Loans 4.92% 2Q23 Net New Funding Yield 6.65% Classified Loans / Capital ¹ 5.7% New Originations YTD Approx. 70% of new commercial production was due to growth within existing bank relationships New CRE-I originations had a weighted-avg LTV of 60% June net new funding yield of 7.04% LTM Commercial Growth +3.3% $7,783 $1,968 $554 $3,325 $1,936 3 $7,805 $2,012 $532 $3,362 $1,899 Loan Portfolio Regional Segmentation 2023 Q2 $ in millions $2,045 $355 $1,690 53% Northern 27% 2022 Q2 Funded Draws & Line Utilization Rate 4 $2,062 $368 $1,694 52% Florida 6% 2022 Q3 Commercial Gateway 26% $2,081 $360 $1,721 Central 41% Line utilization has declined $166 million YTD 53% 2 2022 Q4 Retail $1,973 $345 $1,628 51% 2023 Q1 2022 Q3 CRE 2022 Q4 Construction C&I Retail Real Estate & Other 1 Capital is Bank Tier 1 Capital + Allowance for credit losses | ² Based on loan origination | 3 Busey loans ex-PPP | Excludes credit card & overdraft protection & includes tranche loan commitments/associated sub notes 2023 Q1 % Utilized (total) $1,915 $347 $1,568 49% 2023 Q2 10 ТВ

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