First US Bancshares Inc (NASDAQ: FUSB) is a bank holding company that conducts its operations primarily through its banking subsidiary, engaging in core commercial banking activities. It makes money by lending money to customers in the form of loans and borrowing money from customers in the form of deposits, earning net interest income on the spread between those rates. The bank operates in local markets across the United States, with performance sensitive to regional and national economic conditions, including interest rate levels and credit quality of borrowers. The balance sheet as of December 31, 2025 includes loans and leases held for investment, investment securities available-for-sale and held-to-maturity, Federal Home Loan Bank stock, and both interest-bearing and non-interest-bearing deposit liabilities. The Company filed its 10-K for the fiscal year ended December 31, 2025 on March 12, 2026.

Revenue model

Net interest income earned on the spread between loan and lease yields and deposit funding costs, supplemented by fee income from banking services. The Company also holds an investment securities portfolio and bank-owned life insurance as additional earning assets.

Products and services

Commercial and consumer loans and leases, deposit accounts (interest-bearing and non-interest-bearing), internet and mobile banking services, and investment securities portfolio management. Third-party platforms are used for loan and deposit processing, general ledger, payroll, and securities portfolio accounting.

Customers and end markets

Individual consumers and businesses operating in the Company's local U.S. markets. Demand is driven by regional economic conditions, employment levels, inflation, and prevailing interest rates.

Value-chain role

Community bank and deposit-taking institution operating directly with retail and business customers. Relies on third-party vendors for core processing systems including loan and deposit processing, general ledger, and securities portfolio accounting.

Geographic exposure

United States, with concentration in local regional markets. Specific states or markets are not named in the available filing excerpts.

Source: SEC 10-K, filed 2026-03-12

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