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
Unfavorable gap of $25.0M · efficiency ratio beats 24% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.93% | 1.26% | 1.54% | Beats 16% | 148 / 176 | |
| Return on Equity | 8.13% | 9.26% | 11.89% | 14.46% | Beats 15% | 149 / 176 | |
| Net Interest Margin | 3.35% | 3.25% | 3.59% | 3.93% | Beats 31% | 121 / 176 | |
| Efficiency Ratio | 67.78% | 52.79% | 59.55% | 67.66% | Beats 24% | 134 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.30% | 0.64% | 1.32% | Beats 89% | 20 / 176 | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.04% | 0.10% | Beats 14% | 152 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 10.85% | 11.15% | 12.72% | 14.15% | Beats 22% | 138 / 176 | |
| Total Risk-Based Capital Ratio | 12.02% | 11.81% | 13.63% | 15.33% | Beats 28% | 127 / 176 | |
| Equity / Assets | 9.52% | 9.16% | 10.35% | 11.80% | Beats 32% | 120 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 85.71% | 80.94% | 89.73% | 97.21% | 38th pctl | 109 / 176 | |
| Loans / Assets | 74.99% | 69.25% | 75.12% | 80.82% | 49th pctl | 89 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |