What does banking — interchange expense mean?

This metric tracks the costs incurred by the banking segment related to the processing of debit and credit card transactions through payment networks. It represents the fees paid to card associations and other financial institutions for facilitating electronic payments. Managing this expense is essential for maintaining margins in the bank's retail payment services.

First Busey Corporation (BUSE) Banking — Interchange expense

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Other segment segments

FirsTech

$1.1M-15.5%

Wealth Management

$0—

Similar metrics at other companies

IBCPInterchange expense

$1.22M+4.0%

IBCPIndependent Bank — Interchange expense

$1.22M+4.0%

OSBCDebit Card Interchange Expense

$1.6M+7.7%

OSBCDebit Card Interchange Expense

$1.6M+7.7%

FNBCommunity Banking — Interchange and card transaction fees

$13M-7.1%

NBBKAtm And Interchange Income — Investment Banking Revenue

$640.5K+29.5%

Other financials

Income statement

See full

Revenue$196.7M-0.7%

Net income$63.2M+33.3%

EPS (diluted)$0.69+32.7%

Balance sheet

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Cash & equivalents$665.4M-9.8%

Total debt$164.2M+30.5%

Total equity$2.4B-1.2%

Total assets$18.2B-3.8%

Cash flow

See full

Operating cash flow$41.5M-16.2%

CapEx$2.3M-32.6%

Free cash flow$39.2M-15.0%

Valuation

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Market cap$2.56B+28.5%

Enterprise value$2.06B+49.1%

P/E11.1×-14.6×

P/S3.2×-0.3×

Profitability

See full

Net margin29.3%+15.4pp

FCF margin26.4%-2.7pp

Returns & leverage

See full

Return on equity9.6%+5.5pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by First Busey Corporation in its filing.

Tagged under the XBRL concept buse:InterchangeExpense.

The source filing: First Busey Corporation’s 10-Q, filed August 6, 2026.

Filed: Aug 6, 2026, 4:06 PM EDT
Fiscal quarter: Q2 FY2026
Calendar quarter: Q2 2026
Accession: 0000314489-26-000055

(dollars in thousands, except per share amounts)	Three Months Ended June 30, 2026	Three Months Ended June 30, 2025	Six Months Ended June 30, 2026	Six Months Ended June 30, 2025
Furniture and equipment expenses	2,336	2,409	4,513	4,153
Professional fees	3,041	2,874	6,280	12,385
Amortization of intangible assets	4,232	4,592	8,523	7,675
Interchange expense	1,096	1,297	2,212	2,640
FDIC insurance	2,349	2,424	4,800	4,591
Other noninterest expense	15,186	14,024	28,685	25,269
Total noninterest expense	112,635	127,833	242,154	239,863
Income before income taxes	81,889	64,513	145,546	31,844

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is First Busey Corporation's banking — interchange expense?: First Busey Corporation (BUSE) reported banking — interchange expense of $0 in Q2 2026.
What does banking — interchange expense mean?: This metric tracks the costs incurred by the banking segment related to the processing of debit and credit card transactions through payment networks. It represents the fees paid to card associations and other financial institutions for facilitating electronic payments. Managing this expense is essential for maintaining margins in the bank's retail payment services.