{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-100275","form_type":"8-K","ticker":"FUSB","cik":"0000717806","company_name":"FIRST US BANCSHARES, INC.","filed_at":"2025-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.216167+00:00","generated_at":"2026-05-17T23:19:57.388506+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"First US Bancshares Q2 net income falls to $0.2M ($0.03 EPS) on $2.7M credit provision","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-100275","json":"https://secwatch.observer/filing/0000950170-25-100275.json","markdown":"https://secwatch.observer/filing/0000950170-25-100275.md","text":"https://secwatch.observer/filing/0000950170-25-100275.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717806/000095017025100275/0000950170-25-100275-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717806/000095017025100275/fusb-20250730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:19:57.388506+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}