🏦Bank Scorer

FIRST US BANK

BIRMINGHAM, AL · Supervised by FDIC

Est. 1952FDIC #17,077RSSD: FDIC-17077
Part ofU.S. Bancorp→ View all charters
Satisfactory Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.79%

Institution Profile

FDIC BankFind

Address

3291 Highway 280 E, BIRMINGHAM, AL

County

Jefferson County

Established

January 21, 1952

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$833M

Net Income

$2M

ROA

0.79%

ROE

8.42%

Risk-Based Capital

11.99%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate16.67%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$990M

1-Year Change

0

5-year net change: -5 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243070%16.67%
20233148.39%32.26%
20224969.39%16.33%
20215768.42%10.53%
20207566.67%12.00%
201912574.4%5.60%
201814772.79%12.93%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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