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First US Bancshares
First US Bancshares (FUSB) investor relations material
First US Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Fourth quarter net income rose 10% sequentially and 24% year-over-year, reaching $2.1 million, or $0.36 per diluted share, with full-year net income at $6.0 million, or $1.00 per diluted share, down from $8.2 million in 2024.
Loan portfolio credit metrics improved, with significant decreases in net charge-offs and nonperforming assets.
Management expressed optimism for 2026 following resolution of most credit issues by Q3 2025.
Financial highlights
Net interest income for 4Q2025 was $9.4 million, down 2.5% sequentially but up 7.7% year-over-year; full-year net interest income increased 3.6% to $37.5 million.
Net interest margin for 4Q2025 was 3.46%, down from 3.60% in 3Q2025 but up from 3.41% in 4Q2024; full-year margin declined to 3.54% from 3.59%.
Provision for credit losses was $0.2 million in 4Q2025, down from $0.6 million in 3Q2025; full-year provision rose to $4.0 million from $0.6 million in 2024, mainly due to Q2 increases.
Non-interest income remained stable at $1.0 million for 4Q2025 and $3.6 million for the year.
Non-interest expense was $7.3 million in 4Q2025, up from $6.9 million in 4Q2024, primarily due to higher salaries and professional fees.
Outlook and guidance
Management anticipates continued momentum into 2026, with improved credit quality and operational performance.
Detail resolution of 2025 commercial loan issues
Explain brokered deposit use for hedging strategy
What is the 2026 loan portfolio growth strategy?
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Next First US Bancshares earnings date
Q1 202629 Apr, 2026
First US Bancshares
Next First US Bancshares earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
First US Bancshares, Inc. is a bank holding company operating through its subsidiary, First US Bank. The company provides a range of commercial banking services to individuals, small and medium-sized businesses, and professionals. Its offerings include various deposit accounts, such as savings, money market, and individual retirement accounts, as well as a variety of loan products. These loan products cover areas like commercial real estate, residential mortgages, consumer loans, and commercial and industrial lending. The company also offers additional services like letters of credit and safe deposit boxes. First US Bancshares primarily serves clients in Alabama, Tennessee, and Virginia. The company is headquartered in Birmingham, Alabama, and its shares are listed on the NASDAQ.
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