Birmingham, AL · Cert 17077 · First US Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.8% share · #21 of 49 inst. · $0.4B of $53.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.89% | 0.78% | 0.49% | 0.60% | 0.66% | 0.79% | 0.77% | +28 bps | |
| Return on Equity | 9.82% | 9.34% | 8.10% | 5.08% | 6.21% | 6.89% | 8.42% | 8.12% | +304 bps | |
| Net Interest Margin | 3.43% | 3.38% | 3.32% | 3.32% | 3.36% | 3.33% | 3.20% | 3.35% | +3 bps | |
| Efficiency Ratio | 66.01% | 66.02% | 65.24% | 65.91% | 65.82% | 65.61% | 67.67% | 67.78% | +187 bps | |
| Non-Interest Burden | 2.18% | 2.15% | 2.08% | 2.11% | 2.13% | 2.10% | 2.09% | 2.20% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.29% | 2.61% | 5.25% | 5.61% | 4.31% | 4.93% | 3.43% | 0.38% | -523 bps | |
| Loan Growth (YoY) | -1.47% | 0.15% | 3.09% | 6.39% | 7.99% | 3.64% | -0.55% | -1.24% | -762 bps | |
| Deposit Growth (YoY) | 5.72% | 2.44% | 2.02% | 3.50% | 2.48% | 6.09% | 8.29% | 1.38% | -212 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.48% | 0.43% | 0.28% | 0.12% | 0.16% | 0.19% | 0.15% | -13 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.14% | 0.13% | 0.45% | 0.51% | 0.41% | 0.23% | 0.26% | -19 bps | |
| Allowance / Loans | 1.26% | 1.24% | 1.23% | 1.31% | 1.23% | 1.25% | 1.25% | 1.26% | -4 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.6x | 2.8x | 4.7x | 10.0x | 7.8x | 6.5x | 8.4x | +3.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.49% | 9.50% | 9.55% | 9.23% | 9.19% | 9.03% | 8.85% | 9.16% | -6 bps | |
| Total Risk-Based Capital | 12.63% | 12.47% | 12.23% | 11.93% | 11.92% | 12.05% | 11.99% | 12.02% | +9 bps | |
| Equity / Assets | 9.68% | 9.64% | 9.63% | 9.50% | 9.55% | 9.49% | 9.39% | 9.52% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.71% | 84.39% | 87.90% | 87.98% | 86.11% | 82.44% | 80.73% | 85.71% | -227 bps | |
| Liquid Assets / Assets | 6.57% | 3.39% | 4.09% | 4.00% | 3.88% | 5.59% | 4.92% | 4.15% | +14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 348% | 339% | 328% | n/a | n/a | |