Question 1

What is First Busey Corporation's interchange expense?

Accepted Answer

First Busey Corporation (BUSE) reported interchange expense of $1.1M in Q2 2026.

Question 2

How has First Busey Corporation's interchange expense changed year-over-year?

Accepted Answer

First Busey Corporation's interchange expense decreased by 15.5% year-over-year, from $1.3M to $1.1M.

Question 3

What is the long-term trend for First Busey Corporation's interchange expense?

Accepted Answer

Over 4 years (2021 to 2025), First Busey Corporation's interchange expense has grown at a -2.7% compound annual growth rate (CAGR), from $5.79M to $5.19M.

Question 4

What does interchange expense mean?

Accepted Answer

This represents the fees paid by the bank to payment networks and other financial institutions for processing debit and credit card transactions. It is a direct cost of providing payment services to customers and is influenced by transaction volume and network pricing structures.

(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

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First Busey Corporation BUSE Interchange expense