First Us Bank (FDIC #17077): Bank Stress & Real-Estate Credit Exposure

First Us Bank (FDIC Cert #17077): bank stress 77/100, severe, STABLE over 7 days; parent FIRST US BANCSHARES INC.

First Us Bank (#17077) lends in 9 counties across 3 states; First Us Bank (#17077) reaches 198 ZIP codes: Alabama 7 counties, 156 ZIPs; Tennessee 1 county, 31 ZIPs; Virginia 1 county, 11 ZIPs.

First Us Bank (#17077) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#17077), Knox County, TN (62 branches, 31 ZIPs) (#17077), Tuscaloosa County, AL (28 branches, 28 ZIPs) (#17077), Baldwin County, AL (24 branches, 24 ZIPs) (#17077), Shelby County, AL (46 branches, 23 ZIPs) (#17077), Choctaw County, AL (22 branches, 11 ZIPs) (#17077).

First Us Bank (#17077) reports $1.15 billion in total assets; First Us Bank (#17077) equity $109.2 million (9.5% of First Us Bank (#17077) assets); First Us Bank (#17077) domestic deposits $1.00 billion; First Us Bank (#17077) net income $4.4 million; First Us Bank (#17077) return on assets 0.77%; First Us Bank (#17077) return on equity 8.12%; First Us Bank (#17077) net interest income $18.9 million; First Us Bank (#17077) call report June 30, 2026.

First Us Bank (#17077) noncurrent real-estate loans 0.01% of its book; First Us Bank (#17077) residential 0.04%; First Us Bank (#17077) net charge-offs on real estate 0.24%; First Us Bank (#17077) residential charge-offs 0.17%.

First Us Bank (#17077) net interest margin 3.51% against an eight-quarter First Us Bank (#17077) average of 3.56% (First Us Bank (#17077) compression 0.05 points); First Us Bank (#17077) real-estate loans 1.3% of equity; First Us Bank (#17077) non-residential real estate 17.4% of equity; First Us Bank (#17077) rate-exposure score 40/100, First Us Bank (#17077) fixed-rate trap 40/100; First Us Bank (#17077) risk type credit driven; First Us Bank (#17077) rate regime rates elevated, First Us Bank (#17077) snapshot October 20, 2026.

First Us Bank (#17077) stress score moved from 75.2 on June 22, 2026 to 76.8 on October 20, 2026; First Us Bank (#17077) ranged 75.2 to 76.8 over 117 snapshots.

First Us Bank (#17077) alerts: 9 counties; top First Us Bank (#17077) alert scores: Tuscaloosa County, AL 43 (moderate); Birmingham County, AL 25 (low); Daphne County, AL 25 (low); Gilbertown County, AL 25 (low); Harpersville County, AL 25 (low).