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First US Bank

Birmingham, AL · Cert 17077 · First US Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

27

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First US Bank

Birmingham, AL · Cert 17077 · First US Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.1BAssets
$860.6MLoans
$1.0BDeposits
$109.2MEquity
Loan mix
49%RE $406.9M3%C&I $27.6M47%Consumer $390.1MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $848.2M16%Noninterest $155.9MQ2 2025Q2 2026

NIM

5.36%Q2 ’245.13%Q2 ’255.21%Q2 ’26-4%+1%

Non-interest income vs. expense

2.45%Q2 ’242.33%Q2 ’252.38%Q2 ’26-6%+4%

Market Position · Birmingham, AL · 2026 SOD (annual) · 0.8% share · #21 of 49 inst. · $0.4B of $53.8B

41.9% Clarke
0.4% Jefferson
58.5% Bibb
2.2% Shelby

Executive Summary

  • Earnings: ROA of 0.77%, up 28 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.15% of loans (-13 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 9.16%, down 6 bps from a year ago.
  • Funding: loans stand at 85.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.77%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+3 bps YoY

Efficiency Ratio (YTD, annualized)

67.78%+187 bps YoY

Tier 1 Leverage Ratio

9.16%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.60%0.66%0.79%0.77%+28 bps
Return on Equity5.08%6.21%6.89%8.42%8.12%+304 bps
Net Interest Margin3.32%3.36%3.33%3.20%3.35%+3 bps
Efficiency Ratio65.91%65.82%65.61%67.67%67.78%+187 bps
Non-Interest Burden2.11%2.13%2.10%2.09%2.20%+9 bps
Growth
Asset Growth (YoY)5.61%4.31%4.93%3.43%0.38%-523 bps
Loan Growth (YoY)6.39%7.99%3.64%-0.55%-1.24%-762 bps
Deposit Growth (YoY)3.50%2.48%6.09%8.29%1.38%-212 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.12%0.16%0.19%0.15%-13 bps
Net Charge-Offs / Loans0.45%0.51%0.41%0.23%0.26%-19 bps
Allowance / Loans1.31%1.23%1.25%1.25%1.26%-4 bps
Allowance Coverage of NPLs4.7x10.0x7.8x6.5x8.4x+3.8x
Capital
Tier 1 Leverage Ratio9.23%9.19%9.03%8.85%9.16%-6 bps
Total Risk-Based Capital11.93%11.92%12.05%11.99%12.02%+9 bps
Equity / Assets9.50%9.55%9.49%9.39%9.52%+2 bps
Liquidity & Funding
Loans / Deposits87.98%86.11%82.44%80.73%85.71%-227 bps
Liquid Assets / Assets4.00%3.88%5.59%4.92%4.15%+14 bps
CRE / Total Capitaln/a348%339%328%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First US Bank

Birmingham, AL · Cert 17077 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First US Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.1BAssets
$860.6MLoans
$1.0BDeposits
$109.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 89% of banks $1B-$10B in assets operating regionally (rank 20 of 176).
  • Widest gap: net charge-offs / loans trails 86% of banks $1B-$10B in assets operating regionally (rank 152 of 176).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.77%

Rank 148 of 176

Net Interest Margin

3.35%

Rank 121 of 176

Efficiency Ratio

67.78%

Rank 134 of 176

Equity / Assets

9.52%

Rank 120 of 176

Non-interest income vs. expense

$2.1M$27.1MINCOMEEXPENSE
Unfavorable gap of $25.0M · efficiency ratio beats 24% of banks $1B-$10B in assets operating regionally
Bank 67.78%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.77%0.93%1.26%1.54%Beats 16%148 / 176
Return on Equity8.13%9.26%11.89%14.46%Beats 15%149 / 176
Net Interest Margin3.35%3.25%3.59%3.93%Beats 31%121 / 176
Efficiency Ratio67.78%52.79%59.55%67.66%Beats 24%134 / 176
Asset Quality
Nonperforming Loans / Loans0.15%0.30%0.64%1.32%Beats 89%20 / 176
Net Charge-Offs / Loans0.16%0.01%0.04%0.10%Beats 14%152 / 176
Capital
Tier 1 Capital Ratio10.85%11.15%12.72%14.15%Beats 22%138 / 176
Total Risk-Based Capital Ratio12.02%11.81%13.63%15.33%Beats 28%127 / 176
Equity / Assets9.52%9.16%10.35%11.80%Beats 32%120 / 176
Liquidity & Funding
Loans / Deposits85.71%80.94%89.73%97.21%38th pctl109 / 176
Loans / Assets74.99%69.25%75.12%80.82%49th pctl89 / 176
Brokered Deposits / Depositsn/aNot reported for this institution