TellerScore

First US Bank (FDIC certificate #17077) is based in Birmingham, Alabama. Its Q2 2026 call report shows $1.1B in total assets and $1.0B in deposits and 16 offices across 3 states.

Based on its Q2 2026 filing, First US Bank scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 93 banks headquartered in Alabama, it ranks 59th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is capital cushion (42/100; 9.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.16%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 84.6% · 17.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (63 → 67), mostly because the earnings component improved by 12 points.

TellerScore
636567Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202463
Q4 202465
Q1 202565
Q2 202563
Q3 202565
Q4 202565
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%7.28%9.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.46%
Q3 20249.49%
Q4 20249.50%
Q1 20259.55%
Q2 20259.23%
Q3 20259.19%
Q4 20259.03%
Q1 20268.85%
Q2 20269.16%
Noncurrent loans
0.12%0.44%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.75%
Q4 20240.48%
Q1 20250.43%
Q2 20250.28%
Q3 20250.12%
Q4 20250.16%
Q1 20260.19%
Q2 20260.15%
Return on assets
0.49%0.71%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.93%
Q4 20240.89%
Q1 20250.78%
Q2 20250.49%
Q3 20250.60%
Q4 20250.66%
Q1 20260.79%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$1.1B9.16%0.15%0.77%84.6%
Q1 202666$1.2B8.85%0.19%0.79%79.7%
Q4 202565$1.2B9.03%0.16%0.66%81.4%
Q3 202565$1.1B9.19%0.12%0.60%85.0%
Q2 202563$1.1B9.23%0.28%0.49%86.8%
Q1 202565$1.1B9.55%0.43%0.78%86.8%
Q4 202465$1.1B9.50%0.48%0.89%83.3%
Q3 202463$1.1B9.49%0.75%0.93%80.7%
Q2 202467$1.1B9.46%0.29%0.93%84.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.16%
16th
Total risk-based capital12.02%
32nd
Problem loans0.15%
82nd
Net charge-offs0.27%
15th
Return on assets0.77%
18th
Net interest margin3.51%
37th
Efficiency ratio67.8%
25th
Loans to deposits84.6%
57th
Uninsured deposits17.6%
87th
Loan-loss reserves1.26%
66th
Texas ratio1.2%
80th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Metro BankBank Pell City, AL80 out of 100, Strong$1.2B14.7%1.18%vs
Citizens Bank & TrustBank Guntersville, AL67 out of 100, Moderate$1.2B8.9%0.08%vs
AuburnBankBank Auburn, AL74 out of 100, Strong$1.1B10.7%0.01%vs
CommerceOne BankBank Birmingham, AL56 out of 100, Moderate$1.1B9.0%0.00%vs
First Metro BankBank Muscle Shoals, AL84 out of 100, Strong$1.0B13.0%0.13%vs
SouthPoint BankBank Birmingham, AL21 out of 100, Low$1.4B6.9%3.54%vs

Deposit insurance

Is my money safe at First US Bank?

Yes. First US Bank is an FDIC-insured institution (FDIC certificate #17077). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($176.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.16%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.02% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

First US Bank lists 16 offices in 15 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First US Bank reported 18 home-loan applications under HMDA (LEI 549300XARD788LSGZW76): 9 originated ($1,205,000 total), 4 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First US Bank
Former names
Bank of Thomasville; United Security Bank; First United Security Bank
Type
State-chartered bank
FDIC certificate #
17077
RSSD ID
259330
Primary regulator
FDIC
Holding company
First US Bancshares Inc
Established
January 21, 1952
Headquarters
3291 Highway 280 E, Birmingham, AL 35243
Employees
154

Quick answers

First US Bank: common questions

Is First US Bank FDIC insured?

Yes. First US Bank is an FDIC-insured institution (FDIC certificate #17077). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First US Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First US Bank ever failed?

There is no failure record for FDIC certificate #17077 in the FDIC failed bank list.

How many branches does First US Bank have?

16 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Birmingham

InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
Alabama Postal Credit UnionCredit union Birmingham, AL96 out of 100, Very strong$6.4M44.5%0.28%vs
Acipco Federal Credit UnionCredit union Birmingham, AL94 out of 100, Very strong$221.5M14.4%0.21%vs
Rocket City Federal Credit UnionCredit union Huntsville, AL94 out of 100, Very strong$69.1M17.3%0.17%vs
Aod Federal Credit UnionCredit union Bynum, AL89 out of 100, Very strong$466.7M16.4%0.53%vs
Coosa Pines Federal Credit UnionCredit union Childersburg, AL88 out of 100, Very strong$420.8M16.2%0.87%vs