First US Bancshares reported FY 2025 net income of USD 5.99 million, down 27% from FY 2024, with diluted EPS of USD 1.00 versus USD 1.33. Net interest income rose 4% to USD 37.46 million as growth in average interest-earning assets offset lower average yields, while net interest margin fell 0.05 percentage point to 3.54%. Provision for credit losses was USD 4.03 million, rising more than sixfold year over year, driven by charge-offs tied to specific commercial loan relationships and growth with elevated charge-offs in the consumer indirect portfolio. Total assets were USD 1.15 billion and total deposits were USD 1.03 billion. The bank’s common equity Tier 1 capital ratio was 10.88% and the total risk-based capital ratio was 12.05%.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. First US Bancshares Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-103635), on March 12, 2026, and is solely responsible for the information contained therein.