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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First US Bancshares
First US Bancshares (FUSB) investor relations material
First US Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
Q3 2026 net income was $2.0 million, or $0.36 per diluted share; nine-month net income reached $5.7 million, up 46.5% YoY, while diluted EPS rose 56.3%.
Net interest margin expanded to 3.66% in Q3, and credit-quality measures improved QoQ; project payoffs in multifamily and construction lending reduced total loans.
Financial highlights
Q3 net interest income was $9.9 million, up 3.7% QoQ and 1.9% YoY; nine-month net interest income was $28.6 million, up 1.9% YoY.
Q3 provision for credit losses was $586,000, versus $939,000 in Q2; nine-month provision was $1.8 million, down from $3.8 million in 2025.
Q3 non-interest income was $967,000, versus $1.3 million in Q2 and $860,000 YoY; nine-month income rose $541,000 to $3.1 million, mainly on securities gains.
Q3 non-interest expense was $7.7 million, up $276,000 YoY; nine-month expense rose $898,000 to $22.7 million, including higher personnel, other, occupancy, and insurance costs.
Q3 pretax income was $2.5 million and net income was $2.0 million; nine-month pretax income was $7.2 million and net income was $5.7 million.
Outlook and guidance
Management emphasized disciplined pricing, credit quality, and flexibility to respond to market opportunities; commercial lending relationships are intended to support future loan growth.
Indirect consumer lending growth continued, while expected multifamily and construction project payoffs weighed on total loans.
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Latest events from First US Bancshares
- Earnings and loan growth surged year-over-year, with improved margins and strong capital and liquidity.FUSB
Q2 2026 - Net income rose to $1.9M, EPS up 13.8%, and capital ratios remained strong.FUSBQ1 2026
- Quarterly net income and EPS rose, credit quality and liquidity improved, capital remains strong.FUSBQ4 2025
- Earnings rebounded to $1.9M in 3Q2025 as credit costs fell and asset quality improved.FUSBQ3 2025
- Earnings fell on higher credit loss provisions, but loan growth and capital strength persisted.FUSBQ2 2025
- Net income and EPS rose, with strong capital and liquidity despite loan declines and margin pressure.FUSBQ3 2024
- Q2 net income steady at $2.1M; margin expands, capital and liquidity remain strong.FUSBQ2 2024
- Net income $1.8M, EPS $0.29, loan growth strong, capital and asset quality solid in 1Q2025.FUSBQ1 2025
- EPS steady at $1.33, tangible book value up 10.6%, and efficiency and capital improved in 2024.FUSBQ4 2024
Next First US Bancshares earnings date
Q4 202625 Jan, 2027
First US Bancshares
Next First US Bancshares earnings date
Q4 202625 Jan, 2027
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Frequently asked questions
First US Bancshares, Inc. is a bank holding company operating through its subsidiary, First US Bank. The company provides a range of commercial banking services to individuals, small and medium-sized businesses, and professionals. Its offerings include various deposit accounts, such as savings, money market, and individual retirement accounts, as well as a variety of loan products. These loan products cover areas like commercial real estate, residential mortgages, consumer loans, and commercial and industrial lending. The company also offers additional services like letters of credit and safe deposit boxes. First US Bancshares primarily serves clients in Alabama, Tennessee, and Virginia. The company is headquartered in Birmingham, Alabama, and its shares are listed on the NASDAQ.