---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-036180"
form_type: "8-K"
ticker: "FSUN"
cik: "0001709442"
company_name: "FIRSTSUN CAPITAL BANCORP"
filed_at: "2025-07-28T23:59:59+00:00"
generated_at: "2026-05-18T00:19:14.812090+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FirstSun Q2 net income $26.4M ($0.93 EPS); deposit growth 13.2% annualized, credit costs rise

## Summary
- Net income $26.4M ($0.93 diluted EPS) vs $24.6M ($0.88) in Q2 2024; adjusted EPS $0.90.
- Net interest margin stable at 4.07%; net interest income $78.5M, up $4M from prior quarter.
- Deposits grew 13.2% annualized to $7.1B; loans up 1.4% annualized to $6.5B.
- Provision for credit losses $4.5M; net charge-offs $13.5M (0.83% annualized) on C&I write-down.
- Nonperforming assets/total assets improved to 0.80% from 1.02%; efficiency ratio 64.52%.

## SEC filing metadata
- accession: 0001628280-25-036180
- form_type: 8-K
- ticker: FSUN
- cik: 0001709442
- company_name: FIRSTSUN CAPITAL BANCORP
- filed_at: 2025-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1709442/000162828025036180/0001628280-25-036180-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1709442/000162828025036180/fcb-20250728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-036180
- JSON: https://secwatch.observer/filing/0001628280-25-036180.json
- Plain text: https://secwatch.observer/filing/0001628280-25-036180.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.