First US Bank
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Data as of · sourced from FFIEC call reports. How we update
First US Bank is an FDIC-insured commercial bank headquartered in Birmingham, AL, established in 1952 (FDIC certificate 17077), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.15B, up 0.4% from Q2 2025, the 15th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 10.85% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17077
- Headquarters
- Birmingham, AL
- Established
- 1952
- Total assets, Q2 2026
- $1.15B
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 10.85%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 062103592
- Holding company
- FIRST US BANCSHARES, INC.
- Asset rank in state
- 15th of 93 in Alabama
First US Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026; it is based in Birmingham, Alabama. It holds common equity equal to 10.85% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also shrank its loan book 1.2% over the year, lower than about three-quarters of banks its size (median 5.9%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.15% of loans from 0.28%. Profitability lags: it earns about $0.75 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, First US Bank reported a CET1 capital ratio of 10.85%, a return on assets of 0.75%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.30%. The figures come from its call report filed with the FFIEC.
First US Bank ranks as the 15th largest of the 93 banks based in Alabama, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.5% to $1.15B, loans rose 2.0% and deposits fell 3.9%. Its loan book on June 30, 2026 was led by other consumer loans, at 47.4% of total loans, followed by non-owner-occupied commercial real estate loans at 14.8%. The FDIC Summary of Deposits lists 16 offices for it, in 15 cities across 3 states; its Birmingham office books 16% of its branch deposits. On its Q2 2026 call report, First US Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3291 Highway 280 E, Birmingham, AL 35243
- County
- Jefferson
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 21, 1952
- Former names
- First United Security Bank (1997-2014); United Security Bank (1984-1997); Bank of Thomasville (1975-1984)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 154
- Domestic deposits
- $1.00B
- Allowance for credit losses
- $10.9M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $1.14B
- Average total loans
- $844.7M
- Average interest-bearing deposits
- $845.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 21, 1952
- FDIC Cert
- 17077
- Fed RSSD
- 259330
- SEC CIK
- 717806 → filed by FIRST US BANCSHARES, INC.
- Website
- www.firstusbank.com →
- Parent Holding Company
- FIRST US BANCSHARES, INC. (RSSD 1086168) · FUSB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James F House | CEO | Chairman, President & CEO |
| Thomas S Elley | CFO | SEVP,CFO,Trea,Ast Sec-FUSB |
| Eric H Mabowitz | CCO | SEVP, CRO, CCO, & CRA Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First US Bank's total assets ranged from $1.06B (Q3 2023) to $1.17B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.15B total assets against $1.14B; $1.04B total liabilities against $1.03B.
$849.8M net loans and leases against $860.0M; $1.00B total deposits against $990.5M.
$166.0M securities against $157.1M; $63.8M cash and balances due against $58.8M.
$14.7M total interest income against $14.9M; $5.0M total interest expense against $5.3M.
$9.6M net interest income against $9.6M.
$476K total noninterest income against $608K; $6.8M total noninterest expense against $6.8M.
$940K provision for credit losses against $2.7M.
$2.1M net income against $560K.
0.75% return on assets against 0.20%; 3.59% net interest margin against 3.56%.
10.85% CET1 capital ratio against 10.70%; 9.16% tier 1 leverage ratio against 9.23%.
Inside the full First US Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First US Bank rankings
Its closest position to the top of a national ranking is 917 of 4,196, for total assets; its furthest is 1,988 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.20% (Q2 2025) to 0.94% (Q3 2024) and its net interest margin ran from 3.36% (Q1 2026) to 3.65% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 0.75% | 0.15% | 1.30% | 3.59% |
| Q1 2026 | 10.85% | 0.79% | 0.19% | 1.64% | 3.36% |
| Q4 2025 | 10.88% | 0.85% | 0.16% | 1.44% | 3.53% |
| Q3 2025 | 10.77% | 0.81% | 0.12% | 1.97% | 3.65% |
| Q2 2025 | 10.70% | 0.20% | 0.28% | 3.33% | 3.56% |
| Q1 2025 | 11.08% | 0.80% | 0.43% | 4.48% | 3.46% |
| Q4 2024 | 11.31% | 0.77% | 0.48% | 5.01% | 3.41% |
| Q3 2024 | 11.45% | 0.94% | 0.75% | 6.04% | 3.59% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First US Bank (main office) | Birmingham , AL | 35243 | $165.0M |
| Centreville Branch | Centreville , AL | 35042 | $106.5M |
| North College Avenue Branch | Jackson , AL | 36545 | $97.9M |
| Thomasville Main Branch | Thomasville , AL | 36784 | $90.3M |
| 131 Main Street Branch | Grove Hill , AL | 36451 | $70.7M |
| Thomasville Branch | Thomasville , AL | 36784 | $58.7M |
| North Bibb Branch | Woodstock , AL | 35188 | $54.1M |
| Butler Branch | Butler , AL | 36904 | $53.6M |
| Harpersville Branch | Harpersville , AL | 35078 | $50.8M |
| Calera Branch | Calera , AL | 35040 | $50.1M |
| Powell Branch | Powell , TN | 37849 | $47.8M |
| South Choctaw Branch | Gilbertown , AL | 36908 | $43.2M |
| Downtown Tuscaloosa Office | Tuscaloosa , AL | 35401 | $42.2M |
| Peoples Branch | Rose Hill , VA | 24281 | $40.4M |
| Bearden Branch | Knoxville , TN | 37919 | $32.3M |
| Daphne Branch | Daphne , AL | 36526 | $640K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2018 | Structure Change | Acquired The Peoples Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1997 | Structure Change | Acquired First Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1996 | Structure Change | Acquired Brent Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 1985 | Structure Change | Acquired First National Bank of Butler Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 16, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 1981 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 22, 1952 | Structure Change | Acquired Thomasville Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in AL, rank 31 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 18 applications, 9 loans originated, $1.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $499K approved, $499K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First US Bank
What are First US Bank's total assets?
As of the Q2 2026 filing, First US Bank reported total assets of $1.15 billion in its FFIEC call report.
Where is First US Bank headquartered?
It is headquartered in Birmingham, AL, United States.
When was First US Bank founded?
It was established in 1952, per the FDIC institution directory.
Is First US Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17077). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First US Bank?
First US Bank's primary federal regulator is the FDIC.
What is First US Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does First US Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First US Bank's Texas Ratio?
Its Texas Ratio is 1.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First US Bank previously called?
The charter now named First US Bank has also operated as First United Security Bank (1997-2014), United Security Bank (1984-1997), Bank of Thomasville (1975-1984), per FDIC structure-change records.
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