Company Reports 24% Year-over-Year Net Income Growth in Q4 2025
Reports Q4 revenue $ vs. last year. Net interest margin was 3.46% in Q4 vs. 3.60% last quarter and 3.59% a year ago. Tangible book value per common share was $17.23 from $16.79 at previous quarter end. Common equity Tier 1 capital and Tier 1 risk-based capital ratios were each 10.88%, its total capital ratio was 12.05%, and its Tier 1 leverage ratio was 9.03%. "We are pleased to conclude 2025 with a quarter of continued strong earnings growth," stated James F. House, CEO. "Q4 net income improved by 10% compared to the prior quarter and 24% compared to Q4 of 2024. In addition, we saw continued improvement in loan portfolio credit metrics, with substantial decreases in both net charge-offs and nonperforming assets. While 2025 was a challenging year, particularly related to credit issues that were largely resolved by Q3, we have continued to build momentum and are excited about the company's prospects for 2026."
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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.
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.
First US Bancshares, Inc. Unveils Expansion of Its Share Buyback Program
Share Repurchase Program Expansion: First US Bancshares, Inc. has expanded its share repurchase program, authorizing an additional 1,000,000 shares for repurchase and extending the program's expiration to December 31, 2026.
Current Repurchase Status: The company has repurchased 1,389,972 shares to date, with 852,813 shares remaining available for repurchase under the program.
Regulatory Compliance: Share repurchases may occur through various methods, including open market transactions, and must comply with applicable regulatory requirements.
Forward-Looking Statements: The press release includes forward-looking statements that involve risks and uncertainties, which could affect the company's future performance and financial condition.
FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND
Dividend Announcement: First US Bancshares, Inc. declared a cash dividend of $0.07 per share, payable on January 2, 2026, to shareholders of record by December 12, 2025, marking the forty-sixth consecutive quarter of dividends.
Company Overview: First US Bancshares, Inc. operates banking offices in Alabama, Tennessee, and Virginia through First US Bank and is publicly traded on the Nasdaq under the symbol "FUSB."
Forward-Looking Statements: The press release includes forward-looking statements that involve risks and uncertainties, with management not obligated to update these statements except as required by law.
Dividend Policy Considerations: The payment of dividends is at the discretion of the Board of Directors and may change based on the Company's financial conditions, earnings, and other relevant factors.
FIRST US BANCSHARES INC Reports Decline in Q3 Income
Earnings Decline: FIRST US BANCSHARES INC reported a profit of $1.94 million for the third quarter, down from $2.22 million the previous year.
Earnings Per Share: The earnings per share (EPS) decreased to $0.32 from $0.36 year-over-year.
Revenue Growth: The company's revenue increased by 1.7% to $15.28 million, compared to $15.02 million last year.
Financial Summary: Key financial figures include earnings of $1.94 million, EPS of $0.32, and revenue of $15.28 million for the quarter.
FIRST US BANCSHARES, INC. ELECTS NEW DIRECTOR
New Director Appointment: First US Bancshares, Inc. has elected Nathan Gordon as a director of the Company and its subsidiary, First US Bank, effective August 27, 2025.
Professional Background: Mr. Gordon holds an accounting degree and a Masters of Accountancy from Auburn University, and a Juris Doctorate from Cumberland School of Law. He is currently an attorney with over thirteen years of experience in various areas of corporate law.
Committee Involvement: He will serve on multiple committees including the Asset/Liability Committee, Retail, Operations, Compliance Committee, and the Information Technology Steering Committee of the Bank Board.
Community Engagement: In addition to his professional role, Mr. Gordon is actively involved in community organizations, notably serving on the board of directors for the Albert Schweitzer Fellowship in Birmingham, Alabama.
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.
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.
First US Bancshares, Inc. Unveils Expansion of Its Share Buyback Program
Share Repurchase Program Expansion: First US Bancshares, Inc. has expanded its share repurchase program, authorizing an additional 1,000,000 shares for repurchase and extending the program's expiration to December 31, 2026.
Current Repurchase Status: The company has repurchased 1,389,972 shares to date, with 852,813 shares remaining available for repurchase under the program.
Regulatory Compliance: Share repurchases may occur through various methods, including open market transactions, and must comply with applicable regulatory requirements.
Forward-Looking Statements: The press release includes forward-looking statements that involve risks and uncertainties, which could affect the company's future performance and financial condition.
FIRST US BANCSHARES, INC. DECLARES CASH DIVIDEND
Dividend Announcement: First US Bancshares, Inc. declared a cash dividend of $0.07 per share, payable on January 2, 2026, to shareholders of record by December 12, 2025, marking the forty-sixth consecutive quarter of dividends.
Company Overview: First US Bancshares, Inc. operates banking offices in Alabama, Tennessee, and Virginia through First US Bank and is publicly traded on the Nasdaq under the symbol "FUSB."
Forward-Looking Statements: The press release includes forward-looking statements that involve risks and uncertainties, with management not obligated to update these statements except as required by law.
Dividend Policy Considerations: The payment of dividends is at the discretion of the Board of Directors and may change based on the Company's financial conditions, earnings, and other relevant factors.
FIRST US BANCSHARES INC Reports Decline in Q3 Income
Earnings Decline: FIRST US BANCSHARES INC reported a profit of $1.94 million for the third quarter, down from $2.22 million the previous year.
Earnings Per Share: The earnings per share (EPS) decreased to $0.32 from $0.36 year-over-year.
Revenue Growth: The company's revenue increased by 1.7% to $15.28 million, compared to $15.02 million last year.
Financial Summary: Key financial figures include earnings of $1.94 million, EPS of $0.32, and revenue of $15.28 million for the quarter.
FIRST US BANCSHARES, INC. ELECTS NEW DIRECTOR
New Director Appointment: First US Bancshares, Inc. has elected Nathan Gordon as a director of the Company and its subsidiary, First US Bank, effective August 27, 2025.
Professional Background: Mr. Gordon holds an accounting degree and a Masters of Accountancy from Auburn University, and a Juris Doctorate from Cumberland School of Law. He is currently an attorney with over thirteen years of experience in various areas of corporate law.
Committee Involvement: He will serve on multiple committees including the Asset/Liability Committee, Retail, Operations, Compliance Committee, and the Information Technology Steering Committee of the Bank Board.
Community Engagement: In addition to his professional role, Mr. Gordon is actively involved in community organizations, notably serving on the board of directors for the Albert Schweitzer Fellowship in Birmingham, Alabama.
