BlastPoint's Banking Scorecard
First US Bank
Designations: ✓ Community bank
Birmingham, AL
16 branches across AL · TN · VA
First US Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 28.0% in tier
- - Non-Interest Income / Assets 0.21% below tier average
- - ROA 0.57% below tier average
- - Net Interest Margin 0.38% below tier average
- - Efficiency Ratio 6.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+3.4% YoY
+0.9% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.9% in tier |
| Total Loans ? |
$833.2M
-0.6% YoY
-1.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$1.0B
+8.3% YoY
+1.0% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
0.79%
+1.7% YoY
+20.5% QoQ
|
-0.57% |
1.37%
+19.6% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.44%
-1.0% YoY
-4.0% QoQ
|
-0.38% |
3.82%
+6.9% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
67.67%
+3.7% YoY
+3.1% QoQ
|
+6.61% |
61.06%
-4.6% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.20%
-55.3% YoY
+19.9% QoQ
|
-0.69% |
0.89%
+14.1% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
79.72%
-8.2% YoY
-2.1% QoQ
|
-4.49% |
84.20%
+0.3% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
14.87%
-8.9% YoY
-4.2% QoQ
|
-6.42% |
21.29%
-2.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.16%
-64.3% YoY
+12.1% QoQ
|
-0.52% |
0.67%
+15.6% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
10.85%
-2.0% YoY
-0.3% QoQ
|
-4.31% |
15.16%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.6% in tier |
| Non-Interest Income / Assets ? |
0.05%
-13.4% YoY
-78.0% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.5% in tier |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.