FIRST US BANK

BIRMINGHAM, AL | Large | Est. Jan. 21, 1952, midnight | FDIC #17077 | RSSD #259330 | FDIC
Latest Report: 2025-12-31

FIRST US BANK is aln large FDIC-insured commercial bank headquartered in BIRMINGHAM, AL, established in Jan. 21, 1952, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 0.85% ROA and 8.90% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 10.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 1.35%. FDIC Certificate #17077.

Assets

$1.2B

Deposits

$1.0B

Loans

$853M

Equity

$110M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 8.90%
Net Interest Margin (NIM) 3.60%
Yield on Assets 5.76%
Cost of Funds 3.43%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.41%
Texas Ratio 1.35%
NPA Ratio 0.14%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 10.88%
Tier 1 Capital 10.88%
Total Capital Ratio 12.05%
Leverage Ratio 9.03%
Loan-to-Deposit 82.44%

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