Form 8-K

8-K — FIRST US BANCSHARES, INC.

Accession: 0001193125-26-436205

Filed: 2026-10-28

Period: 2026-10-28

CIK: 0000717806

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — fusb-20261028.htm (Primary)

EX-99.1 (fusb-ex99_1.htm)

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8-K

8-K (Primary)

Filename: fusb-20261028.htm · Sequence: 1

8-K

false000071780600007178062026-10-282026-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): October 28, 2026

First US Bancshares, Inc.

(Exact Name of Registrant as Specified in Charter)

Delaware

000-14549

63-0843362

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

3291 U.S. Highway 280

Birmingham, Alabama 35243

(Address of Principal Executive Offices, including Zip Code)

Registrant’s telephone number, including area code: (205) 582-1200

N/A

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 par value

FUSB

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01

Regulation FD Disclosure

First US Bancshares, Inc. (“FUSB”) has prepared investor presentation materials, which are being furnished as Exhibit 99.1 to this report. These materials include, among other things, a review of financial results and trends through the period ended September 30, 2026. The materials are intended to be made available to shareholders, analysts and investors, including investor groups participating in forums such as sponsored investor conferences, during the quarter ending December 31, 2026, or until updated materials are furnished. A copy of the materials will be available on FUSB’s investor relations website, which may be accessed at firstusbank.com.

The information contained herein is being furnished pursuant to Item 7.01 of Form 8-K, “Regulation FD Disclosure.” This information shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference into any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01

Financial Statements and Exhibits.

(d)

Exhibits.

The exhibit listed below in the Exhibit Index is being furnished pursuant to Regulation FD as part of this report and shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act or incorporated by reference into any filing under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Exhibit Number

Exhibit

99.1

Investor presentation materials to be made available to shareholders, analysts and investors during the quarter ended December 31, 2026, or until updated materials are furnished

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: October 28, 2026

FIRST US BANCSHARES, INC.

By:

/s/ Thomas S. Elley

Name:

Thomas S. Elley

Senior Executive Vice President, Treasurer and Assistant Secretary, Chief Financial Officer

EX-99.1

Filename: fusb-ex99_1.htm · Sequence: 2

Investor Presentation As of September 30, 2026 Exhibit 99.1

Presentation Disclosure This presentation has been prepared by FUSB solely for informational purposes based on its own information, as well as information from public sources. This presentation has been prepared to assist interested parties in making their own evaluation of FUSB and does not purport to contain all of the information that may be relevant. In all cases, interested parties should conduct their own investigation and analysis of FUSB and the information included in this presentation or other information provided by or on behalf of FUSB. This presentation does not constitute an offer to sell or a solicitation of an offer to buy any securities of FUSB by any person in any jurisdiction in which it is unlawful for such person to make such an offer or solicitation. Neither the SEC nor any state securities commission has approved or disapproved of the securities of FUSB or passed upon the accuracy or adequacy of this presentation. Any representation to the contrary is a criminal offense. Except as otherwise indicated, this presentation speaks as of the date indicated on the cover page. The delivery of this presentation shall not, under any circumstances, create any implication that there has been no change in the affairs of FUSB after such date. This presentation includes unaudited financial measures that have been prepared other than in accordance with generally accepted accounting principles in the United States (“non-GAAP financial measures”), including tangible book value per common share, return on average tangible common equity, tangible common equity to tangible assets, pre-tax pre-provision net revenue, pre-tax pre-provision net revenue to average assets, and total readily available liquidity. FUSB presents non-GAAP financial measures when it believes that the additional information is useful and meaningful to management and investors. Non-GAAP financial measures do not have any standardized meaning and, therefore, may not be comparable to similar measures presented by other companies. The presentation of non-GAAP financial measures is not intended to be a substitute for, and should not be considered in isolation from, the financial measures reported in accordance with GAAP. See the Appendix to this presentation for a reconciliation of certain non-GAAP financial measures to the comparable GAAP measures. Quarterly data presented herein have not been audited by FUSB’s independent registered public accounting firm.

Forward-Looking Statements This presentation of First US Bancshares, Inc. (“FUSB” or the “Company”) contains forward-looking statements, as defined by federal securities laws. Statements contained in this presentation that are not historical facts, including without limitation all statements relating to FUSB’s future financial and operational results, are forward-looking statements. These statements may address issues that involve significant risks, uncertainties, estimates and assumptions made by FUSB’s senior management. FUSB undertakes no obligation to update these statements following the date of this presentation, except as required by law. In addition, FUSB, through its senior management, may make from time to time forward-looking public statements concerning the matters described herein. Such forward-looking statements are necessarily estimates reflecting the best judgment of FUSB’s senior management based upon current information and involve a number of risks and uncertainties. Certain factors that could affect the accuracy of such forward-looking statements and cause actual results to differ materially from those projected in such forward-looking statements are identified in the public filings made by the Company with the SEC, and forward-looking statements contained in this presentation or in other public statements of the Company or its senior management should be considered in light of those factors. Such factors may include risks related to the Company's credit, including that if loan losses are greater than anticipated; the increased lending risks associated with commercial real estate lending; potential weakness in the residential real estate market: liquidity risks; the impact of national and local market conditions on the Company's business and operations; the rate of growth (or lack thereof) in the economy generally and in the Company’s service areas; the effects of significant changes to the structure and operations of the federal government; strong competition in the banking industry; the impact of changes in interest rates and monetary policy on the Company’s performance and financial condition; the effects of fiscal challenges facing the U.S. government or any potential government shutdown; the impact of technological changes in the banking and financial service industries and potential information system failures; potential effects of digital banking trends; cybersecurity and data privacy threats; the risks and challenges presented by the development and use of artificial intelligence (“AI”); the costs of complying with extensive governmental regulation; the impact of changing accounting standards and tax laws on the Company's allowance for credit losses and financial results; the possibility that acquisitions may not produce anticipated results and result in unforeseen integration difficulties; and other risk factors described from time to time in the Company’s public filings, including, but not limited to, the Company’s most recent Annual Report on Form 10-K. Relative to the Company’s dividend policy, the payment of cash dividends is subject to the discretion of the Board of Directors and will be determined in light of then-current conditions, including the Company’s earnings, leverage, operations, financial conditions, capital requirements and other factors deemed relevant by the Board of Directors. In the future, the Board of Directors may change the Company’s dividend policy, including the frequency or amount of any dividend, in light of then-existing conditions.

Contents Corporate Profile 5 Strategic Focus 8 3Q2026 Highlights 11 Deposit Composition 12 Loan Portfolio Trends 13 Asset Quality Trends 18 Recent Financial Trends 20 5 Year Financial Trends 23 Risk Management – Capital, Liquidity and Market Sensitivity 26 Appendix: Non-GAAP Reconciliation 29

Company Founded: 1952 Headquarters: Birmingham, AL First US Bank: 16 Branches / 1 LPO Total Assets: $1,165 million Total Loans: $845 million Total Deposits: $1,015 million Loans to Deposits: 83% Exchange: Nasdaq: FUSB Stock price: $16.49 Tangible BV: $17.37 per share (1) Price to TBV: 95% Market Cap: $84.7 million Annual Dividend: $0.28 Annualized Dividend Yield: 1.7% Information as of 9/30/2026 Calculations of tangible balances and measures (non-GAAP measures) are included in the Appendix.

Corporate Profile Senior Leadership Team James F. House President and Chief Executive Officer Tenure at FUSB began in 2011 Veteran banker with SouthTrust Bank for 31 years Business consultant 2005 to 2009 focusing on management, investments, and commercial and consumer lending issues Florida Division President with BankTrust from 2009 to 2011 Thomas S. Elley SEVP, Chief Financial Officer & Chief Investment Officer Tenure at FUSB began in 2013 CPA holding various positions with Deloitte & Touche LLP over 13-year period Previous banking positions with Regions Financial Corp., Iberiabank Corp., and SouthTrust Bank MBA 27-year career as Commercial Banker/Leader Previous banking positions with BBVA Compass and Wachovia Bank 3 years of experience as a small business owner/operator J. Scott Cox SEVP, Senior Commercial Lending Executive Tenure at FUSB began in 2025 Eric H. Mabowitz SEVP, Chief Risk, Compliance & CRA Officer Tenure at FUSB began in 2008 Veteran Risk and Operations manager with 36 years of experience Previous banking positions with Premier Bank, First Community Bank, and Renasant Bank MBA Phillip R. Wheat SEVP, Chief Information and Consumer Banking Officer Tenure at FUSB began in 2013 Veteran IT and Operations manager with 34 years of experience Experienced in acquisitions, branding, cost mitigation, cyber security, and digital transformation William C. Mitchell SEVP, Senior Consumer Lending Executive Tenure at FUSB began in 1997 Veteran consumer lender with 39 years of lending experience CEO and President of Acceptance Loan Company, Inc. (former Bank Subsidiary) from 2007 to 2019

Retail Banking Centers Loan Production Offices Birmingham — Corporate Office & Retail Banking Center Retail Banking Center (Under Construction — Orange Beach)

` PRIMARY GOALS Grow EPS, ROA and ROE Consistent, diversified loan and deposit growth Adherence to strong credit culture Effective expense control LENDING FOCUS EXPENSE CONTROL LONGER TERM GROWTH EFFORTS Adherence to commercial lending fundamentals: cash flow, debt service coverage and loan-to-value considerations Avoid speculative lending on land and development Maintain continuous loan review and loan grading system Consumer lending focused on higher credit scores and geographic and product diversification Strategic Focus Objective: Increase franchise value Maintain strong core deposit franchise while being responsive to the interest rate environment Expand use of current digital offerings among customer base to optimize branch footprint Improve efficiency through process improvement and scale Grow loan production offices to levels that support limited branching Leverage digital banking offerings to expanded customer base Consider acquisitions to enter new growth markets

Strategic Focus Building and Maintaining a Diversified Balance Sheet Loan Composition as of 9/30/2026 Deposit Composition as of 9/30/2026

Strategic Focus A Favorable Geographic Footprint Potential Markets for Growth Alabama: Auburn Dothan Huntsville Montgomery Florida: Destin Panama City Pensacola Georgia: Athens Atlanta Augusta Columbus Macon Mississippi: Hattiesburg Jackson Meridian South Carolina: Greenville Tennessee: Memphis Nashville

Earnings Trends Diluted EPS increased to $0.36 in 3Q2026, compared to $0.31 in 2Q2026 and $0.32 in 3Q2025. Diluted EPS for the nine months ended September 30, 2026 increased by 56.3% to $1.00, compared to $0.64 for the corresponding period of 2025. Net interest margin increased to 3.66% in 3Q2026, compared to 3.56% in 2Q2026 and 3.60% in 3Q2025. Higher loan and investment securities yields supported a 3.70% sequential increase in net interest income. Provision for credit losses decreased to $1.8 million for the nine months ended September 30, 2026, compared to $3.8 million for the corresponding period of 2025. The decrease primarily reflected provisions for specifically identified commercial loans in 2025 that were resolved by year-end. Balance Sheet Trends Total loans decreased by $15.6 million, or 1.8%, during 3Q2026 compared to 2Q2026. Expected project payoffs in multi-family and construction lending were partially offset by growth in indirect consumer loans. Indirect consumer loans increased by $13.1 million, or 3.2%, during 3Q2026 and increased by $35.8 million, or 9.4%, during the first nine months of 2026. The portfolio’s weighted average credit score was 785 as of September 30, 2026. Total deposits increased by $17.1 million during 3Q2026 compared to 2Q2026. During the first nine months of 2026, non-wholesale deposits increased by $9.0 million, partially offsetting a $21.9 million reduction in wholesale brokered deposits. Purchased $46.4 million in investment securities during 3Q2026, bringing total investment securities purchases during the nine months ended September 30, 2026 to $71.8 million. Nonperforming assets declined to 0.14% of total assets as of September 30, 2026, compared to 0.17% as of June 30, 2026. Annualized net charge-offs were 0.22% of average loans in 3Q2026, compared to 0.30% in 2Q2026 and 0.61% in 3Q2025. Share repurchase activity continued. Repurchased 390,000 shares during 3Q2026 at a weighted average price of $16.43 per share. Repurchased 627,500 shares during the first nine months of 2026 at a weighted average price of $16.02 per share. 3Q2026 Highlights

Deposit Composition A Stable Core Deposit Base

Loan Portfolio Trends Quarterly Growth by Category

Loan Portfolio Trends Non-Residential CRE and Construction Portfolio Breakdown Non-Residential CRE Breakdown as of 9/30/2026 Construction Breakdown as of 9/30/2026 Non-owner occupied office consists of 15 loans with an average loan size of $2.2 million. The properties are located in Tuscaloosa, AL, Birmingham, AL, and Chattanooga, TN.

Loan Portfolio Trends Indirect Portfolio This portfolio segment includes loans secured by collateral purchased by consumers in retail stores with whom the Company has an established relationship to provide financing if applicable underwriting standards are met. The collateral securing these loans includes boats, recreational vehicles/campers, horse trailers and cargo trailers. Weighted average portfolio yield of 6.25% in 3Q2026 Weighted average credit score at time of funding of 785 Enhances geographic and collateral diversification of the loan portfolio Portfolio contributed $221.1 million in collateral value pledged to the Federal Reserve as of 9/30/26 Indirect Lending Currently Conducted in 17 States: Alabama Arkansas Florida Georgia Indiana Iowa Kansas Kentucky Mississippi Missouri Nebraska North Carolina Oklahoma South Carolina Tennessee Texas Virginia

Loan Portfolio Trends Indirect Portfolio Breakdown Indirect by Collateral as of 9/30/2026(1) Indirect by State as of 9/30/2026(1)(2) (1) Dollars in thousands (2) Represents state in which the participating dealer operates

Loan Portfolio Trends Fixed vs Variable and Contractual Loan Maturities While the Indirect portfolio has contractual maturities of up to 15 years, the weighted average term to payoff has trended at less than 5 years.

Asset Quality Trends Annualized Net Charge-offs and ACL on Loans and Leases While no portion of the allowance for credit losses (“ACL”) is in any way restricted to any individual loan or group of loans and the entire allowance is available to absorb losses from any and all loans, the table above shows an allocation of the ACL as of the periods presented. (2) Net charge-offs as a percentage of average loans in the prior years were as follows: 0.14% (2024), 0.14% (2023), 0.30% (2022), 0.16% (2021).

Asset Quality Trends Nonperforming Assets and Nonperforming Loans Nonperforming Assets (1) Nonperforming Loans (2) Nonperforming assets: nonaccrual loans, repossessions and OREO Nonperforming loans: nonaccrual loans

Recent Financial Trends 5 Quarter Annualized Net Interest Margin Average rate including both interest-bearing and non-interest-bearing deposits Average rate on all interest-bearing liabilities and non-interest-bearing deposits

Recent Financial Trends Profitability Metrics – 5 Quarter Trend (1) Calculations of tangible balances and measures (non-GAAP measures) are included in the Appendix.

Recent Financial Trends Balance Sheet Metrics – 5 Quarter Trend

5 Year Financial Trends Profitability Metrics Calculations of tangible balances and measures (non-GAAP measures) are included in the Appendix. The amount presented for 2026 represents the trailing 12 months (“TTM”) as of September 30, 2026.

5 Year Financial Trends Balance Sheet Metrics

5 Year Financial Trends Share Price vs. Tangible Book Value (95% as of 9/30/2026)(1) (1) Calculations of tangible balances and measures (non-GAAP measures) are included in the Appendix.

Risk Management Equity Capital – 5 Quarter Trend (1) Calculations of tangible balances and measures (non-GAAP measures) are included in the Appendix.

Risk Management Managing Liquidity and Investment Risk Summary of Securities Portfolio The portfolio is structured with relatively short expected average lives in order to enhance liquidity Weighted average book yield was 4.17% in 3Q2026 Expected average life of securities in the portfolio was 4.0 years 99.8% of the portfolio is available for sale; 0.2% is HTM Net unrealized loss (AFS and HTM) totals 3.9% of amortized cost and 7.7% of First US Bank’s Tier 1 Capital Readily Available Liquidity Table below represents readily available sources of liquidity, including cash and cash equivalents, federal funds sold, securities purchased under reverse repurchase agreements, investment securities and other liquidity sources Non-GAAP measure that management views as beneficial to the overall understanding of the Company’s liquidity position – should be considered as a supplement to GAAP-based liquidity measures Calculations are intended to reflect minimum levels of liquidity readily available Compares favorably to estimated uninsured deposits: September 30, 2026: $190.0 million, or 18.7% of total deposits December 31, 2025: $218.0 million, or 21.2% of total deposits

Risk Management Interest Rate Sensitivity The following table summarizes the forecasted impact on net interest margin and net interest income using a base case scenario given immediate upward and downward shocks in interest rates of 100, 200 and 300 basis points (“bps”) based on forecasted assumptions of prepayment speeds, nominal interest rates and loan and deposit repricing rates. Estimates are as of September 30, 2026, and are based on economic conditions at that time, historical interest rate cycles and other factors deemed by management to be relevant.

Appendix Non-GAAP Reconciliations

Appendix Pre-tax Pre-provision Net revenue (“PPNR”) NOTE: PPNR is a non-GAAP supplemental measure of profitability that management believes provides a means to effectively measure the Company’s core operating profitability on a trended basis. It should be used only as a supplement to other earnings measures defined by GAAP.

Appendix Non-GAAP Reconciliation (dollars and shares in thousands, except per share data) Calculation of Return on average tangible common equity (annualized) = ((net income (e) / number of days in period) * number of days in year) / average tangible shareholders’ equity (c)

Appendix Non-GAAP Reconciliation (dollars and shares in thousands, except per share data)

www.fusb.com Contact: Thomas S. Elley Chief Financial Officer telley@firstusbank.com 205.582.1200

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Address Line 1 such as Attn, Building Name, Street Name

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Name of the City or Town

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Code for the postal or zip code

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Name of the state or province.

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- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Indicate if registrant meets the emerging growth company criteria.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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Two-character EDGAR code representing the state or country of incorporation.

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No definition available.

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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Local phone number for entity.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

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- Definition

Title of a 12(b) registered security.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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- Definition

Name of the Exchange on which a security is registered.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

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- Definition

Trading symbol of an instrument as listed on an exchange.

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No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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