Introduction
First US Bancshares (FUSB) is a small regional bank headquartered in Birmingham, Alabama. It has 21 branches, operates in three states, and conducts the majority of its business in Alabama. Together with its two wholly owned subsidiaries, Acceptance Loan Company and FUSB Reinsurance, it is a typical regional bank. It offers personal and business banking services to depositors and provides personal, commercial, and mortgage loans to borrowers.
In the aftermath of the Financial Crisis, it fell from over $32.00 in 2005 to under $4.00 in 2011. Over the past decade it