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First US Bank

$1B-$10B Specialty: Commercial AL FDIC cert 17077

Designations: ✓ Community bank

Birmingham, AL

16 branches across AL · TN · VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
  • Deposits +1.4% year over year ($1.0B on the books).
  • Delinquency rate 0.15%.
  • Return on assets 0.77%.
  • Efficiency ratio 67.78% vs a 59.73% peer average.
  • Loan-to-deposit ratio 84.63% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in AL
View $1B-$10B leaderboard (AL) →

First US Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 13.1% in tier
  • - Flatlined Growth: Bottom 21.0% in tier
  • - Non-Interest Income / Assets 0.44% below tier average
  • - ROA 0.62% below tier average
  • - Net Interest Margin 0.36% below tier average
  • - Efficiency Ratio 8.05% above tier average
Get updates when First US Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $1.1B
+0.4% YoY -1.5% QoQ
-$1.6B $2.8B
-0.6% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Bottom 13.6% in tier
Total Loans ? $849.8M
-1.2% YoY +2.0% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $1.0B
+1.4% YoY -3.9% QoQ
-$1.3B $2.3B
-0.5% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 0.77%
+57.9% YoY -3.3% QoQ
-0.62% 1.39%
+17.0% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.51%
-1.2% YoY +2.1% QoQ
-0.36% 3.87%
+6.2% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 67.78%
+2.8% YoY +0.2% QoQ
+8.05% 59.73%
-12.6% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.15%
-46.5% YoY -22.1% QoQ
-0.71% 0.87%
+11.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 84.63%
-2.5% YoY +6.2% QoQ
-0.41% 85.04%
-0.1% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 15.53%
-0.8% YoY +4.5% QoQ
-5.74% 21.27%
-1.5% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 0.13%
-60.9% YoY -19.1% QoQ
-0.55% 0.67%
+11.7% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 10.85%
+1.4% YoY -0.0% QoQ
-3.99% 14.84%
-0.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.09%
-16.3% YoY +88.0% QoQ
-0.44% 0.53%
+2.5% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Bottom 8.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 15.5%
-0.1pp YoY
+0.7pp QoQ
 -5.8pp 21.4% 24.0% 22.2% 29%
Brokered Deposits 11.7%
-0.3pp YoY
-1.5pp QoQ
 +2.3pp 9.5% 5.5% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 3.2%
+0.9pp YoY
-0.1pp QoQ
 -10.8pp 14.0% 16.9% 12.5% 10%
CRE 40.0%
-4.1pp YoY
-0.7pp QoQ
 -10.0pp 50.0% 43.5% 41.4% 25%
1-4 Family 7.4%
-0.4pp YoY
-0.4pp QoQ
 -19.0pp 26.4% 30.6% 31.3% 10%
Consumer 48.1%
+3.8pp YoY
+1.3pp QoQ
 +43.4pp 4.7% 5.7% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 10.8%
+0.2pp YoY
0.0pp QoQ
 -4.7pp 15.6% 15.1% 19.7% 7%
Leverage Ratio 9.2%
-0.1pp YoY
+0.3pp QoQ
 -2.1pp 11.3% 13.2% 12.6% 16%
Total Capital Ratio 12.0%
+0.1pp YoY
0.0pp QoQ
 -4.7pp 16.7% 16.2% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 154
+5 (+3.4%) YoY
+1 (+0.7%) QoQ
 -160 313 304 482 24%
Assets per Employee ($) $7.5M
-2.9% YoY
-2.2% QoQ
 -$3.0M $10.5M $6.9M $8.8M 30%
Branch Count 16
+1 (+6.7%) YoY
+1 (+6.7%) QoQ
 -4 20 20 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.8% 1.2% 1.0% 16%
Allowance Coverage 8.41x
+80.7% YoY
+30.0% QoQ
 -10.30x 18.71x 7.50x 20.23x 86%
Net Charge-off Rate (YTD) 0.3%
-0.2pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.3% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 8.1%
+3.0pp YoY
-0.3pp QoQ
 -4.5pp 12.6% 10.0% 11.6% 20%
Cost of Funds (YTD) 2.0%
0.0pp YoY
-0.1pp QoQ
 +0.1pp 1.9% 1.7% 1.7% 55%
Net Income ($, YTD) $4.4M
+62.4% YoY
— QoQ
 -$14.8M $19.2M $17.2M $40.4M 9%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#30 of 222 • Bottom 13.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.85%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#35 of 162 • Bottom 21.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.77%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

154
Delinquency Rate
credit_quality
Value: 0.15%
Peer Median: 0.87%
#154 of 882 Top 17.3% in $1B-$10B
163
Nonperforming Asset Ratio
credit_quality
Value: 0.13%
Peer Median: 0.67%
#163 of 885 Top 18.3% in $1B-$10B

Top Weaknesses (6 metrics)

812
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.53%
#812 of 885 Bottom 8.4% in $1B-$10B
766
Total Assets
size
Value: $1.15B
Peer Median: $2.79B
#766 of 885 Bottom 13.6% in $1B-$10B
747
Tier 1 Capital Ratio
capital
Value: 10.85%
Peer Median: 14.84%
#747 of 885 Bottom 15.7% in $1B-$10B
741
Total Deposits
size
Value: $1.00B
Peer Median: $2.32B
#741 of 885 Bottom 16.4% in $1B-$10B
735
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.39%
#735 of 885 Bottom 17.1% in $1B-$10B
727
Total Loans
size
Value: $849.75M
Peer Median: $1.96B
#727 of 885 Bottom 18.0% in $1B-$10B
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