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First US Bank


First US Bank is an FDIC insured institution headquartered at 3291 Highway 280 E, Birmingham, AL 35243.
It was founded in 1952 and has approximately $1 billion in assets. Customers can open an account at one of its 22 branches.

Deposit Rates - February 02, 2026

SAVINGS RATES APY MIN
SAV
5.12% $1 Compare
CD RATES APY MIN
14 Mo CD
3.03% $500 Compare
25 Mo CD
3.03% $500 Compare
35 Mo CD
2.68% $100,000 Compare
37 Mo CD
2.52% $10,000 Compare
INT CHECKING RATES APY MIN
INTCK
3.03% $20,000




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17077
Date Established 1952
Assets $ 1,147.10 million
Loans $ 856.82 million
Deposits $ 1,007.51 million
Capital $ 109.56 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 54.69 million
Interest-bearing balances $ 44.00 million
Total securities $ 164.49 million
Federal funds sold and reverse repurchase $ 4.85 million
Net loans and leases $ 856.82 million
Loan loss allowance $ 10.70 million
Trading account assets $ 0.00 million
Bank premises and fixed assets N.A.
Other real estate owned $ 1.16 million
Goodwill and other intangibles $ 7.44 million
All other assets $ 29.93 million
     Total Assets $ 1,037.55 million

LIABILITIES
Total deposits $ 1,007.51 million
      Interest-bearing deposits $ 846.53 million
      Deposits held in domestic offices $ 1,007.51 million
      % insured (estimated)" 78.19%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.00 million
Subordinated debt N.A.
All other liabilities $ 7.98 millionn
      Total Liabilities $ 1,037.55 million
      Shareholders’ Equity $ 109.56 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 44.15 million
Total Interest Expense $ 15.77 million
Net interest income $ 28.38 million
Provision for loan and lease losses $ 3.81 million
Total non interest income $ 1.81 million
Total non interest expense $ 19.92 million
Pre-tax Net Operating Income $ 4.50 million

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Branches

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First US Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    First US Bank
    Bank
    -
    $50,000
    N.A.
    5.12%
    22.86x (National Avg. - 0.22%)
    $1
    -
    SCENARIO
    Year Rate
    5.12%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,560 1,792
    2 52,560 2,691 1,884
    3 55,251 2,829 1,980
    4 58,080 2,974 2,082
    5 61,054 3,126 2,188
    6 64,180 3,286 2,300
    7 67,466 3,454 2,418
    8 70,920 3,631 2,542
    9 74,551 3,817 2,672
    10 78,368 4,012 2,809
    11 82,380 4,218 2,953
    12 86,598 4,434 3,104
    13 91,032 4,661 3,263
    14 95,693 4,899 3,430
    15 100,592 5,150 3,605
    16 105,743 5,414 3,790
    17 111,157 5,691 3,984
    18 116,848 5,983 4,188
    19 122,831 6,289 4,402
    20 129,119 6,611 4,628
    TOTAL $85,730 $60,011
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.74x (National Avg. - 0.22%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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