First US Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 194.18 percentage points higher than in Q1 2026, at 840.96%. First US Bank ranks 71st of 93 Alabama banks on return on assets, in the lower half at 0.75% (Q2 2026). First US Bank reported 0.75% on return on assets for Q2 2026, 0.52 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.85% |
| Tier 1 risk-based capital ratio | 10.85% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 9.16% |
| Equity capital to assets | 9.52% |
| Tangible equity to tangible assets | 8.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.30% |
| Texas ratio | 1.30% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 840.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.75% |
| Return on equity | 7.82% |
| Net interest margin | 3.59% |
| Efficiency ratio | 67.71% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.71% |
| Core deposits to total deposits | 83.80% |
| Brokered deposits to total deposits | 11.74% |
| Deposits to assets | 87.49% |
| Securities to assets | 14.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 12.06% | 9.09% | 0.92% |
| Q4 2023 | 10.88% | 10.88% | 12.11% | 9.36% | 0.98% |
| Q1 2024 | 11.11% | 11.11% | 12.32% | 9.37% | 0.91% |
| Q2 2024 | 11.28% | 11.28% | 12.47% | 9.46% | 0.94% |
| Q3 2024 | 11.45% | 11.45% | 12.63% | 9.49% | 0.94% |
| Q4 2024 | 11.31% | 11.31% | 12.47% | 9.50% | 0.77% |
| Q1 2025 | 11.08% | 11.08% | 12.23% | 9.55% | 0.80% |
| Q2 2025 | 10.70% | 10.70% | 11.93% | 9.23% | 0.20% |
| Q3 2025 | 10.77% | 10.77% | 11.92% | 9.19% | 0.81% |
| Q4 2025 | 10.88% | 10.88% | 12.05% | 9.03% | 0.85% |
| Q1 2026 | 10.85% | 10.85% | 11.99% | 8.85% | 0.79% |
| Q2 2026 | 10.85% | 10.85% | 12.02% | 9.16% | 0.75% |
First US Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First US Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First US Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17077) · FFIEC NIC profile (RSSD 259330)