---
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"
generated_at: "2026-05-17T23:19:57.388506+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-100275
- JSON: https://secwatch.observer/filing/0000950170-25-100275.json
- Plain text: https://secwatch.observer/filing/0000950170-25-100275.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.