First US Bancshares Inc Overview
Pro stress-test →First US Bancshares Inc is a bank holding company that operates banking offices in Alabama, Tennessee, and Virginia through First US Bank. Since inception in 1952, First US Bank has operated on a community bank model, growing on the strength of long-term relationships with people in the communities it serves. The Bank conducts general commercial banking including demand and savings deposits, personal and commercial loans, and deposit services.
Strategic Profile
Pro stress-test →As of March 31, 2026, First US Bank operates 15 branches with total assets of $1,165 million, total loans of $844 million, and total deposits of $1,039 million. The company trades at a significant discount to tangible book value and maintains a loan-to-deposit ratio of 81%, reflecting a conservative capital structure aligned with regional community banking positioning.
Competitive Landscape
Pro stress-test →First US Bancshares competes in the regional community banking segment dominated by larger regional banks and community lenders across the Southeast. Competitors include Renasant Bank, Trustmark Corporation, and other community banks operating in Alabama, Tennessee, and Virginia. The company's competitive advantage lies in localized relationship banking and deep community ties, but faces headwinds from larger banks' scale and technology investments.
Industry Context
First US Bancshares Inc operates in Regional Community Banking.
Key facts
Founded: 1952 · Headquarters: Birmingham, Alabama · Employees: N/A · Revenue: N/A · Market cap: $85.7 million