First US Bancshares Q2 net income drops as provisions for bad loans increase

Reuters

Jul 31

<a href="https://laohu8.com/S/FUSB">First US Bancshares</a> <a href="https://laohu8.com/S/QTWO">Q2</a> net income drops as provisions for bad loans increase

Overview

First US Bancshares Q2 net income falls to $0.2 mln from $2.1 mln yr ago
Company's net interest margin improved to 3.59% from 3.53% in Q1 2025
Increase in credit loss provisions impacts earnings, driven by consumer lending growth

Outlook

Company sees growth in indirect consumer lending impacting future provisions

Result Drivers

CREDIT LOSS PROVISION - Increase in provision for credit losses driven by growth in indirect consumer lending and specific commercial loan reserves, per CEO James F. House
LOAN GROWTH - Total loans grew by 2.7% in Q2, primarily due to consumer indirect loans, contributing to a year-to-date growth of 5.9%
NET INTEREST MARGIN - Net interest margin improved by six basis points compared to Q1, aided by increased loan volume and yields

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q2 EPS		$0.03
Q2 Basic EPS		$0.03
Q2 Net Interest Margin		3.6%

Press Release: ID:nPnN39nPa

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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House</p></li><li><p>LOAN GROWTH - Total loans grew by 2.7% in Q2, primarily due to consumer indirect loans, contributing to a year-to-date growth of 5.9%</p></li><li><p>NET INTEREST MARGIN - Net interest margin improved by six basis points compared to Q1, aided by increased loan volume and yields</p></li></ul><p><span>Key Details</span></p><table><tbody><tr><td><p><span>Metric</span></p></td><td><p><span>Beat/Miss</span></p></td><td><p><span>Actual</span></p></td><td><p><span>Consensus Estimate</span></p></td></tr><tr><td><p>Q2 EPS</p></td><td></td><td><p>$0.03</p></td><td></td></tr><tr><td><p>Q2 Basic EPS</p></td><td></td><td><p>$0.03</p></td><td></td></tr><tr><td><p>Q2 Net Interest Margin</p></td><td></td><td><p>3.6%</p></td><td></td></tr></tbody></table><p>Press Release: <span>ID:nPnN39nPa</span></p><p>(This story was created using Reuters automation and AI based on LSEG and company data. 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House</p></li><li><p>LOAN GROWTH - Total loans grew by 2.7% in Q2, primarily due to consumer indirect loans, contributing to a year-to-date growth of 5.9%</p></li><li><p>NET INTEREST MARGIN - Net interest margin improved by six basis points compared to Q1, aided by increased loan volume and yields</p></li></ul><p><span>Key Details</span></p><table><tbody><tr><td><p><span>Metric</span></p></td><td><p><span>Beat/Miss</span></p></td><td><p><span>Actual</span></p></td><td><p><span>Consensus Estimate</span></p></td></tr><tr><td><p>Q2 EPS</p></td><td></td><td><p>$0.03</p></td><td></td></tr><tr><td><p>Q2 Basic EPS</p></td><td></td><td><p>$0.03</p></td><td></td></tr><tr><td><p>Q2 Net Interest Margin</p></td><td></td><td><p>3.6%</p></td><td></td></tr></tbody></table><p>Press Release: <span>ID:nPnN39nPa</span></p><p>(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"FUSB","symbol_name":"First US Bancshares, Inc.","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20250730:nPLX020FB0:1","article_id":"2555869027","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2555869027","pubTimestamp":1753909552,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"First US Bancshares Q2 net income drops as provisionsfor bad loans increaseOverviewFirst US Bancshares Q2 net income falls to $0.2 mln from $2.1 mln yr agoCompany's net interest margin improved to 3.5","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"FUSB":"First US Bancshares, Inc.","BK4211":"区域性银行"},"translate_title":"由于不良贷款拨备增加，First US Bancshares第二季度净利润下降","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"FUSB":0.9},"content_text":"First US Bancshares Q2 net income drops as provisions for bad loans increaseOverviewFirst US Bancshares Q2 net income falls to $0.2 mln from $2.1 mln yr agoCompany's net interest margin improved to 3.59% from 3.53% in Q1 2025Increase in credit loss provisions impacts earnings, driven by consumer lending growthOutlookCompany sees growth in indirect consumer lending impacting future provisionsResult DriversCREDIT LOSS PROVISION - Increase in provision for credit losses driven by growth in indirect consumer lending and specific commercial loan reserves, per CEO James F. HouseLOAN GROWTH - Total loans grew by 2.7% in Q2, primarily due to consumer indirect loans, contributing to a year-to-date growth of 5.9%NET INTEREST MARGIN - Net interest margin improved by six basis points compared to Q1, aided by increased loan volume and yieldsKey DetailsMetricBeat/MissActualConsensus EstimateQ2 EPS$0.03Q2 Basic EPS$0.03Q2 Net Interest Margin3.6%Press Release: ID:nPnN39nPa(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}