- First US Bancshares, Inc. (FUSB) filed an 8-K on **October 29, 2025**, to furnish its investor presentation materials, which include a review of financial results and trends through **September 30, 2025**.  **[717806_0001193125-25-256387_fusb-20251029.htm:0]** **[717806_0001193125-25-256387_fusb-20251029.htm:1]** 
- For Q3 2025, diluted EPS was **$0.32**, and the net interest margin improved to **3.60%**.  **[717806_0001193125-25-256387_fusb-ex99_1.htm:4]** 
- The company reported a decrease in nonperforming assets as a percentage of total assets to **0.19%** in Q3 2025, down from 0.33% in Q2 2025.  **[717806_0001193125-25-256387_fusb-ex99_1.htm:4]** 
- Total deposits increased by **$15.6 million**, or **1.6%**, in Q3 2025, with core deposits representing **83.6%** of total deposits as of September 30, 2025.  **[717806_0001193125-25-256387_fusb-ex99_1.htm:4]** 
- As of September 30, 2025, FUSB's tangible book value was **$16.79** per share, and the company had **$1,147 million** in total assets, **$868 million** in total loans, and **$1,002 million** in total deposits.  **[717806_0001193125-25-256387_fusb-ex99_1.htm:2]** **[717806_0001193125-25-256387_fusb-ex99_1.htm:4]**

FUSB Furnishes Q3 2025 Investor Presentation with Financial Results

- First US Bancshares, Inc. reported **net income of $1.9 million**, or **$0.32 per diluted share**, for the third quarter ended September 30, 2025, which is a significant increase from **$0.2 million**, or **$0.03 per diluted share**, in the prior quarter.  **[717806_0001193125-25-256370_fusb-ex99_1.htm:1]** 
- The company's CEO stated that the return to solid earnings was primarily due to a **substantial decrease in the provision for credit losses** from the second quarter, the **resolution of credit issues** with two commercial loans, and **net charge-offs** from consumer indirect loans returning to more normalized levels.  **[717806_0001193125-25-256370_fusb-ex99_1.htm:4]** 
- Asset quality improved, with **nonperforming assets decreasing to 0.19% of total assets** as of September 30, 2025, down from 0.50% at December 31, 2024.  **[717806_0001193125-25-256370_fusb-ex99_1.htm:2]** **[717806_0001193125-25-256370_fusb-ex99_1.htm:9]** 
- For the third quarter of 2025, net interest income was **$9.662 million**, and the net interest margin was **3.60%**.  **[717806_0001193125-25-256370_fusb-ex99_1.htm:2]**

First US Bancshares, Inc. Reports Q3 2025 Results

- First US Bancshares, Inc. reported **net income of $1.9 million**, or **$0.32 per diluted share**, for the third quarter of 2025 (3Q2025), a significant increase from **$0.2 million**, or **$0.03 per diluted share**, in 2Q2025.  **[717806_20251029CL10220:0]** 
- **Net interest income** increased by **2.0%** to **$9.662 million** in 3Q2025 compared to 2Q2025, with the **net interest margin** rising to **3.60%** from 3.59% in the prior quarter.  **[717806_20251029CL10220:1]** **[717806_20251029CL10220:4]** 
- The **provision for credit losses decreased substantially** to **$0.6 million** in 3Q2025 from **$2.7 million** in 2Q2025, primarily due to the resolution of credit issues and decreased net charge-offs.  **[717806_20251029CL10220:3]** **[717806_20251029CL10220:5]** 
- **Total deposits increased by $15.6 million (1.6%)** to **$1,002.472 million** as of September 30, 2025, while **total loans decreased by $3.9 million** to **$867.520 million** during 3Q2025.  **[717806_20251029CL10220:1]** **[717806_20251029CL10220:4]** **[717806_20251029CL10220:5]** 
- The company declared a **cash dividend of $0.07 per share** for 3Q2025 and repurchased **40,000 shares** at a weighted average price of **$13.38 per share** during the nine months ended September 30, 2025.  **[717806_20251029CL10220:1]** **[717806_20251029CL10220:7]**

FIRST US BANCSHARES (FUSB)