First US Bancshares is a small community bank holding company headquartered in Birmingham, Alabama. Its sole operating subsidiary, First US Bank, offers standard commercial banking products including checking and savings deposits, time deposits, IRAs, and personal and commercial loans. The bank serves small and medium-sized businesses, professionals, and individuals through 15 full-service branches across Alabama, Tennessee, and Virginia, plus loan production offices in Mobile, Alabama and the Chattanooga, Tennessee area. First US Bank also runs an indirect lending channel, originating consumer loans through third-party retailers across 17 states — extending its loan book well beyond its branch footprint without the cost of building new branches. The bank earns money the traditional community bank way: taking in deposits and lending that money out at a higher rate, with profitability driven by loan volume and mix, deposit costs, credit quality, and overhead control. First US Bank employs roughly 152 people across its 15 branches. The bank's growth strategy centers on organic loan and deposit growth through existing branches, digital banking expansion, and M&A to enter new markets. First US Bank uses loan production offices as a beachhead in new markets, building relationships before committing to the higher fixed costs of a full-service branch.