First US Bancshares (FUSB) Debt/Equity Ratio: History & Chart

First US Bancshares, Inc.(FUSB)

Banks - Regional · Birmingham, AL

$16.16+0.41 (+2.60%)

Delayed quote: Oct 6, 2026, 10:39 AM EDT

About First US Bancshares, Inc.

First US Bancshares, Inc. functions as the holding company for First US Bank, which delivers a comprehensive suite of commercial banking products and services. Its deposit offerings encompass demand accounts, including non-interest-bearing options, interest-bearing NOW accounts, savings and money market accounts, individual retirement accounts, and various time deposit products. The company's diverse lending portfolio extends to commercial and real estate financing, personal credit, and business-focused loans and leases. This includes specialized financing for commercial construction, land acquisition, and development projects, such as residential housing, commercial and industrial properties, raw land purchases, and agricultural production. It also provides residential mortgages for individual homes and multi-family apartment complexes, alongside real estate loans for various commercial and industrial properties like office buildings, mixed-use facilities, retail centers, and other business premises. Beyond property, the bank offers general loans and equipment leases to commercial clients. Personal lending options range from secured and unsecured consumer installment loans, notably auto loans, to specific financing backed by personal assets such as furniture, all-terrain vehicles (ATVs), home appliances, recreational vehicles (RVs), boats, and cargo trailers. Further services include issuing letters of credit, providing secure safe deposit box facilities, offering remote deposit capture for businesses, and underwriting reinsurance policies for credit life, accident, and health insurance. The institution caters to a broad spectrum of clients, from small and medium-sized businesses and property managers to business executives, professionals, and individual consumers. First US Bank maintains a substantial physical presence, operating 15 full-service banking offices situated across Birmingham, Butler, Calera, Centreville, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa, and Woodstock in Alabama; Knoxville and Powell in Tennessee; and Rose Hill in Virginia. Additionally, it operates loan production offices in Mobile, Alabama, and within the greater Chattanooga, Tennessee area. Established in 1952, the company was initially known as United Security Bancshares, Inc., before officially adopting the name First US Bancshares, Inc. in October 2016. Its corporate headquarters are located in Birmingham, Alabama.

Birmingham, AL

152 employees

www.fusb.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: James F. House

View full financials

FUSB Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.35

DEBT TO EQUITY RATIO AVG TTM

0.26

DEBT TO EQUITY RATIO AVG 3Y

0.30

DEBT TO EQUITY RATIO AVG 5Y

0.30

DEBT TO EQUITY RATIO AVG 10Y

0.23

DEBT TO EQUITY RATIO AVG 15Y

0.18

DEBT TO EQUITY RATIO AVG 20Y

0.28

CURRENT VS TTM AVG

+32.64%

CURRENT VS 3Y AVG

+14.98%

CURRENT VS 5Y AVG

+16.17%

CURRENT VS 10Y AVG

+48.33%

CURRENT VS 15Y AVG

+90.09%

CURRENT VS 20Y AVG

+25.00%

SECTOR MEDIAN · FINANCIAL SERVICES

0.34

median of 491 covered companies

CURRENT VS SECTOR MEDIAN

+1.48%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
First US Bancshares, Inc. (FUSB)	$89.97M	0.35	0.26	0.30	0.30
Fifth District Savings Bank (FDSB)vs ›	$91.37M	0.00	0.00	0.01	0.01
Miluna Acquisition Corp Class A Ordinary Share (MMTX)vs ›	$90.49M	0.00	0.00	0.00	0.00
JATT III Acquisition Corp (JTTT)vs ›	$93.11M	N/A	N/A	N/A	N/A
First Northwest Bancorp (FNWB)vs ›	$92.71M	2.08	2.18	2.03	1.56
ATIF Holdings Limited Ordinary Shares (AUC)vs ›	$85.91M	N/A	N/A	N/A	N/A
Lakeshore Acquisition III Corp. (LCCC)vs ›	$94.44M	N/A	13.79	13.79	13.79
Auburn National Bancorporation, Inc. (AUBN)vs ›	$93.71M	0.00	0.00	0.01	0.02
Eureka Acquisition Corp Class A Ordinary Share (EURK)vs ›	$88.11M	4.93	2.65	2.65	2.65
Calisa Acquisition Corp (ALIS)vs ›	$87.35M	0.00	0.00	0.00	0.00

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

First US Bancshares, Inc. (FUSB)

$89.97M

0.35

0.26

0.30

Fifth District Savings Bank (FDSB)vs ›

$91.37M

0.00

0.01

Miluna Acquisition Corp Class A Ordinary Share (MMTX)vs ›

$90.49M

0.00

JATT III Acquisition Corp (JTTT)vs ›

$93.11M

N/A

First Northwest Bancorp (FNWB)vs ›

$92.71M

2.08

2.18

2.03

1.56

ATIF Holdings Limited Ordinary Shares (AUC)vs ›

$85.91M

N/A

Lakeshore Acquisition III Corp. (LCCC)vs ›

$94.44M

N/A

13.79

Auburn National Bancorporation, Inc. (AUBN)vs ›

$93.71M

0.00

0.01

0.02

Eureka Acquisition Corp Class A Ordinary Share (EURK)vs ›

$88.11M

4.93

2.65

Calisa Acquisition Corp (ALIS)vs ›

$87.35M

0.00

Debt to Equity Ratio FAQ

What is the debt to equity ratio for First US Bancshares, Inc. (FUSB)?

The debt to equity ratio for FUSB stock is 0.35.

Is First US Bancshares, Inc.'s debt to equity ratio high or low?

The debt to equity ratio of 0.35 is 16% above its 5-year average of 0.30, around the middle of its 5-year range (0.10–0.61).

What is the TTM average debt to equity ratio for First US Bancshares, Inc. (FUSB)?

The TTM average debt to equity ratio for FUSB stock is 0.26.

What is the 3Y average debt to equity ratio for First US Bancshares, Inc. (FUSB)?

The 3Y average debt to equity ratio for FUSB stock is 0.30.

What is the 5Y average debt to equity ratio for First US Bancshares, Inc. (FUSB)?

The 5Y average debt to equity ratio for FUSB stock is 0.30.

What is the 10Y average debt to equity ratio for First US Bancshares, Inc. (FUSB)?

The 10Y average debt to equity ratio for FUSB stock is 0.23.

What is the 15Y average debt to equity ratio for First US Bancshares, Inc. (FUSB)?

The 15Y average debt to equity ratio for FUSB stock is 0.18.

What is the 20Y average debt to equity ratio for First US Bancshares, Inc. (FUSB)?

The 20Y average debt to equity ratio for FUSB stock is 0.28.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.35
2026-03-31	0.10
2025-12-31	0.10
2025-09-30	0.30
2025-06-30	0.45
2025-03-31	0.55
2024-12-31	0.21
2024-09-30	0.11
2024-06-30	0.28
2024-03-31	0.28
2023-12-31	0.23
2023-09-30	0.47
2023-06-30	0.48
2023-03-31	0.42
2022-12-31	0.36
2022-09-30	0.61
2022-06-30	0.25
2022-03-31	0.24
2021-12-31	0.23
2021-09-30	0.11
2021-06-30	0.11
2021-03-31	0.11
2020-12-31	0.12
2020-09-30	0.12
2020-06-30	0.12
2020-03-31	0.12
2019-12-31	0.12
2019-09-30	0.00
2019-06-30	0.00
2019-03-31	0.00
2018-12-31	0.01
2018-09-30	0.00
2018-06-30	0.27
2018-03-31	0.27
2017-12-31	0.34
2017-09-30	0.26
2017-06-30	0.26
2017-03-31	0.33
2016-12-31	0.33
2016-09-30	0.26
2016-06-30	0.26
2016-03-31	0.07
2015-12-31	0.16
2015-09-30	0.02
2015-06-30	0.08
2015-03-31	0.07
2014-12-31	0.07
2014-09-30	0.08
2014-06-30	0.08
2014-03-31	0.08
2013-12-31	0.09
2013-09-30	0.10
2013-06-30	0.01
2013-03-31	0.01
2012-12-31	0.01
2012-09-30	0.02
2012-06-30	0.01
2012-03-31	0.16
2011-12-31	0.31
2011-09-30	0.28
2011-06-30	0.27
2011-03-31	0.41
2010-12-31	0.41
2010-09-30	0.52
2010-06-30	0.64
2010-03-31	0.64
2009-12-31	1.03
2009-09-30	1.22
2009-06-30	1.12
2009-03-31	1.15
2008-12-31	1.17
2008-09-30	1.18
2008-06-30	1.19
2008-03-31	1.23
2007-12-31	1.12
2007-09-30	1.00
2007-06-30	0.95
2007-03-31	0.89
2006-12-31	0.98
2006-09-30	0.99
2006-06-30	0.94
2006-03-31	1.06
2005-12-31	1.03
2005-09-30	1.05
2005-06-30	1.11
2005-03-31	1.10
2004-12-31	1.11
2004-09-30	1.37
2004-06-30	1.35
2004-03-31	1.32
2003-12-31	1.34
2003-09-30	1.47
2003-06-30	1.42
2003-03-31	1.56
2002-12-31	1.62
2002-09-30	1.78

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.35

2026-03-31

0.10

2025-12-31

0.10

2025-09-30

0.30

2025-06-30

0.45

2025-03-31

0.55

2024-12-31

0.21

2024-09-30

0.11

2024-06-30

0.28

2024-03-31

0.28

2023-12-31

0.23

2023-09-30

0.47

2023-06-30

0.48

2023-03-31

0.42

2022-12-31

0.36

2022-09-30

0.61

2022-06-30

0.25

2022-03-31

0.24

2021-12-31

0.23

2021-09-30

0.11

2021-06-30

0.11

2021-03-31

0.11

2020-12-31

0.12

2020-09-30

0.12

2020-06-30

0.12

2020-03-31

0.12

2019-12-31

0.12

2019-09-30

0.00

2019-06-30

0.00

2019-03-31

0.00

2018-12-31

0.01

2018-09-30

0.00

2018-06-30

0.27

2018-03-31

0.27

2017-12-31

0.34

2017-09-30

0.26

2017-06-30

0.26

2017-03-31

0.33

2016-12-31

0.33

2016-09-30

0.26

2016-06-30

0.26

2016-03-31

0.07

2015-12-31

0.16

2015-09-30

0.02

2015-06-30

0.08

2015-03-31

0.07

2014-12-31

0.07

2014-09-30

0.08

2014-06-30

0.08

2014-03-31

0.08

2013-12-31

0.09

2013-09-30

0.10

2013-06-30

0.01

2013-03-31

0.01

2012-12-31

0.01

2012-09-30

0.02

2012-06-30

0.01

2012-03-31

0.16

2011-12-31

0.31

2011-09-30

0.28

2011-06-30

0.27

2011-03-31

0.41

2010-12-31

0.41

2010-09-30

0.52

2010-06-30

0.64

2010-03-31

0.64

2009-12-31

1.03

2009-09-30

1.22

2009-06-30

1.12

2009-03-31

1.15

2008-12-31

1.17

2008-09-30

1.18

2008-06-30

1.19

2008-03-31

1.23

2007-12-31

1.12

2007-09-30

1.00

2007-06-30

0.95

2007-03-31

0.89

2006-12-31

0.98

2006-09-30

0.99

2006-06-30

0.94

2006-03-31

1.06

2005-12-31

1.03

2005-09-30

1.05

2005-06-30

1.11

2005-03-31

1.10

2004-12-31

1.11

2004-09-30

1.37

2004-06-30

1.35

2004-03-31

1.32

2003-12-31

1.34

2003-09-30

1.47

2003-06-30

1.42

2003-03-31

1.56

2002-12-31

1.62

2002-09-30

1.78

Debt to Equity Ratio: 0.35

FUSB Debt to Equity Ratio

FUSB Average Debt to Equity Ratio Chart

FUSB Current vs Average Debt to Equity Ratio Chart

FUSB Debt to Equity Ratio Metrics

FUSB Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

FUSB Debt to Equity Ratio History

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