FUSB Q2 EPS Falls 91%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 31 2025
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Source: NASDAQ.COM
Earnings Decline: First Us Bancshares reported a significant drop in diluted earnings per share (EPS) to $0.03, down 91.2% year-over-year, primarily due to increased loan loss provisions totaling $2.7 million, despite growth in loans and deposits.
Growth Strategy and Challenges: The bank's strategy focuses on expanding its loan and deposit base through digital banking and physical branches, while facing challenges related to credit risk and rising non-interest expenses, with management emphasizing tighter credit standards and market expansion opportunities.
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About FUSB
First US Bancshares, Inc. is a bank holding company that operates banking offices in Alabama, Tennessee, and Virginia through First US Bank (the Bank). The Bank conducts a general commercial banking business and offers banking services, such as demand, savings, individual retirement account and time deposits, personal and commercial loans, safe deposit box services and remote deposit capture. The Bank provides a wide range of commercial banking services to small- and medium-sized businesses, property managers, business executives, professionals and other individuals. The Bank also performs indirect lending through third-party retailers and conducts this lending in about 17 states, including Alabama, Arkansas, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Mississippi, Missouri, Nebraska, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia. The Bank has loan production offices in Mobile, Alabama and the Chattanooga, Tennessee area.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First US Bancshares Reports Q4 and Full Year 2025 Financial Highlights
- Net Income Growth: In Q4 2025, First US Bancshares reported net income of $2.1 million, or $0.36 per diluted share, reflecting a 10% increase from Q3 2025 and a 24% increase from Q4 2024, indicating sustained profitability improvement.
- Loan Quality Improvement: The ratio of nonperforming assets to total assets decreased to 0.14% in Q4 2025 from 0.50% in Q4 2024, demonstrating effective credit management and enhancing market confidence in the company's financial health.
- Deposit Growth: Total deposits increased by $25.5 million, or 2.5%, in Q4 2025, primarily driven by growth in interest-bearing demand deposits and certificates of deposit, reflecting the company's success in attracting customer deposits.
- Increased Shareholder Equity: As of December 31, 2025, shareholder equity reached $105.648 million, or 9.15% of total assets, up from $98.624 million in 2024, showcasing the company's robust capital management and profitability performance.
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First US Bancshares Reports Q4 2025 Financial Highlights
- Net Income Growth: In Q4 2025, First US Bancshares reported net income of $2.1 million, or $0.36 per diluted share, reflecting a 10% increase from Q3 2025 and a 24% increase from Q4 2024, indicating sustained profitability improvement.
- Loan Portfolio Quality Improvement: Although total loans decreased by $14.5 million in Q4 2025, the overall loan balance increased by $30 million for the year due to significant growth in the consumer indirect category, demonstrating effective credit management.
- Deposit Growth: Total deposits rose by $25.5 million in Q4 2025, primarily driven by increases in interest-bearing demand deposits and certificates of deposit, showcasing the company's competitiveness in attracting deposits.
- Increase in Shareholder Equity: As of December 31, 2025, shareholder equity reached $105.648 million, or 9.15% of total assets, an increase from 2024, reflecting the company's robust performance in earnings and capital management.
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