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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 $2.0M, or $0.36 diluted EPS; 9M net income reached $5.66M, up 46.5% YoY, and diluted EPS rose 56.3%.
Q3 net interest margin widened to 3.66%; credit measures improved QoQ, while multifamily and construction project payoffs reduced total loans.
Financial highlights
Net interest income was $9.85M in Q3 and $28.57M for 9M, up 1.9% YoY for the nine-month period.
Q3 provision for credit losses was $586K versus $939K in Q2; 9M provision was $1.8M, down from $3.8M.
9M non-interest income rose to $3.13M from $2.58M, including $463K securities gains versus $13K; 9M non-interest expense increased 4.1% to $22.7M.
9M pretax income increased to $7.21M from $5.01M; net income was $5.66M versus $3.86M.
Total assets were $1.165B at Sep. 30, up 0.9% from year-end; shareholders’ equity was $96.6M versus $105.6M.
Outlook and guidance
Management cited disciplined pricing, underwriting, credit quality and liquidity management, with commercial lending relationships intended to support future loan growth.
Core deposits are expected to remain the primary funding source, with adequate liquidity for contractual obligations and commitments over the next 12 months.
Inflation is expected to pressure expenses; sustaining margin improvement remains challenging amid deposit competition, rate changes and differing repricing timing.
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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.