FIRST BUSEY CORP /NV/

As a matter of policy and practice, Busey limits the level of concentration exposure in any particular loan segment with the goal of maintaining a well-diversified loan portfolio. The following table presents the percentage of total portfolio loans for each lending activity:

Busey Bank originates loans across its regional operating model and through its specialty product lines, as described below:

•East – Suburban Chicago markets and southwest Florida

•Midwest – Central Illinois, the St. Louis MSA, and Indianapolis, Indiana

•Central – The Kansas City MSA, central Kansas, and Oklahoma

•Texas – The Dallas-Fort Worth MSA

•West – Colorado, New Mexico, and Arizona

•Verticals – Busey’s Life Equity Lending, Structured Finance, Energy Banking, and SBA Lending products

The distribution of Busey Bank loans outstanding that were originated in each of these markets is presented in the tables below:

First Busey Corporation(BUSE) | 2026 Q3 — 86

1. In 2026, Busey moved all of its banking centers in the St. Louis MSA from its East region to its Midwest region. In addition, Busey adjusted its methodology for allocation of purchase accounting, loan fees, and clearings. For comparative purposes, the table above reflects these changes applied to Busey’s 2025 loan balances.

Commercial Real Estate Loans

CRE loans comprised 41.0% of Busey’s total loan portfolio as of September 30, 2026, and CRE properties were 26.6% owner occupied. Owner-occupied CRE is generally dependent on the performance of the borrowers’ businesses, whereas non-owner-occupied CRE is generally reliant on property cash flows generated by third-party tenants.

First Busey Corporation(BUSE) | 2026 Q3 — 87

CRE loans are made across a variety of industries, as depicted in the table below. Balances reflected in the table below do not include loan origination fees or costs, purchase accounting adjustments, SBA discounts, or negative escrow amounts.