First US Bancshares Q2 net income falls to $0.2M ($0.03 EPS) on $2.7M credit provision

FIRST US BANCSHARES, INC.

2025-Q2 EPS reported $0.32 revenue$566,000

Net income $0.2M ($0.03 diluted EPS) vs $1.8M ($0.29) in Q1 2025 and $2.1M ($0.34) a year ago.
Provision for credit losses surged to $2.7M from $0.5M in Q1; $1.4M tied to indirect consumer portfolio.
Net charge-offs annualized 0.79% vs 0.13% prior quarter; partial charge-off of $1.2M on one commercial loan.
Total loans grew 2.7% to $871.4M; indirect consumer lending rose $25.1M (weighted FICO 781).
Dividend held at $0.07/share; net interest margin expanded to 3.59% from 3.53% quarter over quarter.

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