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First US Bancshares (FUSB) investor relations material
First US Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $1.9 million ($0.32 per diluted share), up from $0.2 million in 2Q2025 but down from $2.2 million in Q3 2024; nine-month net income was $3.9 million, down from $6.5 million year-over-year.
The decline in net income year-over-year was primarily due to higher provision for credit losses and increased non-interest expense, partially offset by higher net interest income.
Credit issues with two commercial loans were largely resolved, and net charge-offs in consumer indirect loans normalized.
Net interest income and margin improved sequentially, and pre-tax pre-provision net revenue (PPNR) increased 7.1% from 2Q2025.
Financial highlights
Total assets grew to $1,147.2 million as of September 30, 2025, from $1,101.1 million at year-end 2024.
Net interest income for the nine months ended September 30, 2025, was $28.0 million, up 2.3% from the prior year period; Q3 2025 net interest income was $9.7 million, up 5.2% year-over-year.
Net interest margin for the nine months was 3.57%, down from 3.65% year-over-year; Q3 2025 margin was 3.60%, matching Q3 2024.
Provision for credit losses rose to $3.8 million for the nine months, compared to $0.2 million in the prior year; Q3 2025 provision dropped to $0.6 million from $2.7 million in 2Q2025.
Non-interest income remained stable at $2.6 million for the nine months; Q3 2025 non-interest income was $0.9 million.
Non-interest expense increased 1.8% to $21.8 million for the nine months; Q3 2025 expense was $7.4 million, up from $7.0 million in Q3 2024.
Annualized net charge-offs as a percentage of average loans rose to 0.52% for the nine months; Q3 2025 net charge-offs were 0.61%.
Total deposits were $1.00 billion as of September 30, 2025.
Outlook and guidance
Management continues to focus on maximizing earning asset growth, reducing interest expense, and maintaining liquidity, but notes that future interest rate movements and economic uncertainty could negatively impact results.
The company expects continued economic uncertainty and competitive deposit environment to challenge net interest margin and credit quality.
Management highlighted strong momentum heading into year-end, with credit issues resolved and normalized charge-offs.
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Next First US Bancshares earnings date
Q4 202523 Jan, 2026
Next First US Bancshares earnings date
Q4 202523 Jan, 2026
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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.
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