HIGHBuilt-inRegulatory
Federal Reserve
“10-K Item 1A: 'the Federal Reserve, Busey Bank's primary federal regulator'”
BUSE · Concentration risk · 10-K extracted
First Busey (BUSE) concentration risks
Updated
The most significant concentration First Busey discloses is Federal Reserve, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: First Busey’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
Illinois
“10-K Item 1: 'Busey Bank now has a total of 79 banking centers across 10 states, with 50 in Illinois'”
MEDIUMBuilt-inLoan_portfolio
CRE
“10-K Item 1A: 'CRE is a significant component of Busey's loan portfolio and is inherently sensitive to broader economic and market fluctuations'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile combines a regulatory dependency, a geographic tilt, and a loan-portfolio composition risk, all three of moderate or high share by disclosed size. The regulatory exposure is the largest by disclosed size: the Federal Reserve is identified as the primary federal regulator, a high-share structural dependency reflecting the compliance and supervisory constraints that govern this bank holding company. Because regulatory oversight from the Federal Reserve shapes capital requirements, dividend capacity, and permissible activities, this is a structural feature of operating as a bank rather than an idiosyncratic choice. The geographic exposure is moderate by disclosed size: of 79 banking centers across 10 states, 50 are located in Illinois, concentrating the majority of the branch network and associated deposit and loan relationships in one state. This geographic tilt means local economic conditions, commercial real estate dynamics, and competitive intensity in Illinois have a disproportionate effect on the overall franchise. Commercial real estate is identified as a significant component of the loan portfolio and is described as inherently sensitive to broader economic and market fluctuations — a moderate structural exposure by disclosed size. Because CRE credit quality is correlated with local real estate values and interest rates, this portfolio concentration intersects directly with the Illinois geographic exposure: stress in the Illinois commercial real estate market would flow through both the geographic and loan-portfolio dimensions simultaneously. On balance, the three exposures are linked — a regionally focused bank with a notable CRE tilt, operating under Federal Reserve supervision — and together they describe a franchise where Illinois economic and real estate conditions are the primary joint monitoring variable.
For the engine’s reasoning on BUSE’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| BUSE● | First Busey Corporation | 1 | 2 | 0 | 3 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.