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Firstsun Capital Bancorp

FSUN · Financials

Last earnings Oct 26, 2026

Key results

Net incomequarter

$23.2 million

Net income of $23.2 million, $0.82 per diluted share Net interest margin of 4.07% Return on average total assets of 1.09% Return on average stockholders equity of 8.22% Loan growth of 10.6%, annualized Deposit growth of 0.3%, annualized 24.5% noninterest income to total revenue

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Revenuequarter

24.5%

Net income of $23.2 million, $0.82 per diluted share Net interest margin of 4.07% Return on average total assets of 1.09% Return on average stockholders equity of 8.22% Loan growth of 10.6%, annualized Deposit growth of 0.3%, annualized 24.5% noninterest income to total revenue

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

net income of $23.2 million for the third quarter of 2025 compared to

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

net income of $22.4 million for the third quarter of 2024.

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

The quarter was highlighted by a consistently strong net interest margin of 4.07%, healthy loan growth of 10.6% and a diversified revenue mix with service fees to total revenue of 24.5%.

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Third Quarter 2025 Results Net income totaled $23.2 million, or $0.82 per diluted share, for the third quarter of 2025, compared to $26.4 million, or $0.93 per diluted share, for the prior quarter.

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Noninterest income as a percentage of total revenue 2 was 24.5%, a decrease of 1.1% from the prior quarter.

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Reported net incomequarter

$73.1 million

Reported Net Income of $73.1 million, or

SEC original ↗Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

Revenue of $309.1 million Strong adjusted PTPP ROAA of 1.78%, ROAA of 1.19%, ROTCE of 9.69% Maintained a healthy full year NIM (FTE) of 4.13% Increased tangible book value per share $3.24 or 9.62% Maintained strong capital ratios with CET1 at 13.79% and TCE/ TA at 12.25% Executed on organic growth opportunities across

SEC original ↗Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

AI analysis

Q3 2025 · reported Oct 27, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Diluted EPS · Q3 2025
$0.82
EX-99 · Oct 27, 2025
Net income · Q3 2025
$23.2M
EX-99 · Oct 27, 2025
Reported net income · Q3 2025
$73.1M
EX-99 · Oct 27, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$23.2 million——
Revenue24.5%——
Reported net income$73.1 million——

EX-99 · Oct 27, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Subsequent Event On October 1, 2025, FirstSun Capital Bancorp redeemed the entire principal amount, or $40 million, of its 6.000% Fixed-to-Floating Rate Subordinated Notes Due July 1, 2030.

Balance Sheet Ratios as of September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 Cash to total assets 1 7.70 % 9.20 % 7.50 % 7.50 % 6.90 % Loan to deposit ratio 94.0 % 91.6 % 94.3 % 95.6 % 96.9 % Uninsured deposits to total deposits 2 36.2 % 37.0 % 35.2 % 34.8 % 32.7 % Uninsured and uncollateralized deposits to total deposits 2 28.3 % 28.3 % 26.4 % 25.2 % 26.8 % Wholesale deposits and borrowings to total liabilities 3 5.8 % 5.9 % 6.7 % 8.2 % 9.9 % 1 Cash consists of cash and amounts due from banks and interest-bearing deposits with other financial institutions.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Earnings per diluted share were $0.82 for the third quarter of 2025 compared to $0.79 for the third quarter of 2024

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Subsequent Event On October 1, 2025, FirstSun Capital Bancorp redeemed the entire principal amount, or $40 million, of its 6.000% Fixed-to-Floating Rate Subordinated Notes Due July 1, 2030.

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Balance Sheet Ratios as of September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 Cash to total assets 1 7.70 % 9.20 % 7.50 % 7.50 % 6.90 % Loan to deposit ratio 94.0 % 91.6 % 94.3 % 95.6 % 96.9 % Uninsured deposits to total deposits 2 36.2 % 37.0 % 35.2 % 34.8 % 32.7 % Uninsured and uncollateralized deposits to total deposits 2 28.3 % 28.3 % 26.4 % 25.2 % 26.8 % Wholesale deposits and borrowings to total liabilities 3 5.8 % 5.9 % 6.7 % 8.2 % 9.9 % 1 Cash consists of cash and amounts due from banks and interest-bearing deposits with other financial institutions.

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Wholesale borrowings consist of FHLB overnight and term advances.

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Senior Unsecured Debt = BBB Deposit = BBB+ Subordinated Debt = BBB- Senior Unsecured Debt = BBB+ Short-Term Debt = K3 Short-Term Deposit = K2 Short-Term Debt = K2 Source: S&P Global Market Intelligence, Company documents.

SEC original ↗Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

Strategy & priorities

We remain focused on the great opportunity provided by the robust business environment across our high growth southwestern and western footprint to further grow our franchise and deliver strong financial results.

SEC original ↗Firstsun Capital Bancorp — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Risks & headwinds

global trade policies and tensions, including change in, or the imposition of, tariffs and/or trade barriers and the economic impacts, volatility and uncertainty resulting therefrom, and geopolitical instability; and other general competitive, economic, business, market and political conditions.

SEC original ↗Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

These risks and uncertainties should be considered in evaluating forward-looking statements, and undue reliance should not be placed on such statements.

SEC original ↗Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

Documents

Earnings deck slides

0 decks with slide view

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Firstsun Capital Bancorp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

34 documents

Earnings releases

13 documents

Presentations

9 documents

Transcripts

0 documents

No transcripts for Firstsun Capital Bancorp are held in this edition of the library.

Mentioned by

1 company

Other tracked companies whose held documents mention Firstsun Capital Bancorp by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.