FUSB Q2 EPS Falls 91%
First Us Bancshares (NASDAQ:FUSB), a community-focused banking company operating in the southeastern United States, reported its latest quarterly earnings on July 30, 2025, covering results for the second quarter of fiscal 2025. The headline news was a significant decline in diluted earnings per share (GAAP), which dropped to $0.03 from $0.34 year-over-year, largely due to a $2.7 million increase in provision for loan losses. Growth in both loans and deposits provided some offset, while net interest margin (GAAP) showed a slight sequential improvement but remained below the prior-year mark. With no analyst estimates available for comparison, the overall assessment is that the quarter highlighted both solid balance sheet expansion and mounting credit risk challenges.
First Us Bancshares is a regional bank with 15 branches and two loan production offices in Alabama, Tennessee, and Virginia. The bank serves both retail and business customers and conducts indirect lending in 17 states. Its main business activities revolve around collecting deposits, making loans, and providing a suite of banking services for individuals and businesses, including consumer lending, mortgage, and commercial real estate lending.
The bank’s growth strategy emphasizes expanding its loan and deposit base through both physical branches and digital banking offerings. Recent areas of focus include digital transformation, improving service convenience, and balancing risk through tighter credit controls. Regulatory compliance, competitive differentiation, and human capital management also remain central to sustaining its market position.
Source Fool.com
