secwatch.observer — SEC 8-K summary
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Issuer:     FIRST US BANCSHARES, INC. (FUSB)
CIK:        0000717806
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0001193125-26-027261
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

First US Bancshares Q4 net income $2.1M ($0.36 EPS), up 10% QoQ and 24% YoY
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- Q4 net income $2.1M vs $1.9M in Q3'25 and $1.7M in Q4'24; full year net income $6.0M ($1.00) vs $8.2M ($1.33) in 2024.
- Net interest margin 3.46% in Q4 vs 3.60% in Q3 and 3.41% in Q4'24; net interest income up 7.7% YoY.
- Nonperforming assets fell to 0.14% of total assets ($1.6M) from 0.50% ($5.5M) a year ago; net charge-offs 0.08% of avg loans in Q4.
- Total loans $853M, down $14.5M from Q3 but up $30M YoY; indirect consumer loans grew but commercial real estate/construction declined.
- Quarterly dividend unchanged at $0.07/share; repurchased 88,000 shares at $13.93 in Q4; $1.78M remaining under expanded buyback.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/717806/000119312526027261/0001193125-26-027261-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/717806/000119312526027261/fusb-20260128.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-027261

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