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First Us Bank
Birmingham, AL · FDIC Certificate #17077 · Chartered 01/2
Total assets
$1.15B
Total deposits
$1.00B
Total equity
$109.25M
Net loans
$849.75M
Branches (offices)
16
Net income (YTD)
$4.44M
Rank: #925 of 4,213 U.S. banks by assets · #15 of 93 in Alabama. Assets changed 0.4% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 8.12% |
| Net interest margin (YTD) | 3.51% |
| Equity to assets | 9.52% |
| Tier 1 leverage ratio | 9.16% |
| Uninsured deposits (share of deposits) | 17.6% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 84.6% |
| Real estate loans (share of loans) | 47.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $405.00M | 47.7% | |
| Commercial & industrial | $27.39M | 3.2% | |
| Consumer / individual | $408.75M | 48.1% | |
| Construction & development | $38.85M | 4.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $955.17M | $845.40M | $3.42M | $91.70M |
| Jun 2023 | $1.07B | $935.91M | $4.79M | $93.59M |
| Jun 2024 | $1.08B | $956.96M | $4.97M | $102.15M |
| Jun 2025 | $1.14B | $990.46M | $2.73M | $108.62M |
| Jun 2026 | $1.15B | $1.00B | $4.44M | $109.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $883.60M | 13 |
| Tennessee | $80.10M | 2 |
| Virginia | $40.39M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.00B.
Similar-sized banks
Bank Of Washington ($1.15B) · Sturdy Savings Bank ($1.14B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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