---
schema_version: "secwatch.filing_event.v1"
accession: "0001709442-23-000002"
form_type: "8-K"
ticker: "FSUN"
cik: "0001709442"
company_name: "FIRSTSUN CAPITAL BANCORP"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:20:05.126167+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# FirstSun Capital Bancorp Q4 2022 net income $24.6M ($0.96 EPS); NIM expands to 4.45%

## Summary
- Net income of $24.6M ($0.96 diluted EPS) in Q4 2022, up from $8.8M ($0.47) in Q4 2021.
- Net interest margin increased 19 bps to 4.45% QoQ; loan yield 5.46%, deposit cost 0.65%.
- Loans grew $355M (25.6% annualized) to $5.9B; deposits declined $154M (-10.5% annualized).
- Full year 2022 net income $59.2M ($2.48 diluted); adjusted net income $76.2M ($3.20) excl merger costs.
- Capital ratios above well-capitalized: CET1 9.94%, total risk-based 11.99%, leverage 9.71%.

## SEC filing metadata
- accession: 0001709442-23-000002
- form_type: 8-K
- ticker: FSUN
- cik: 0001709442
- company_name: FIRSTSUN CAPITAL BANCORP
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1709442/000170944223000002/0001709442-23-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1709442/000170944223000002/fcb-20230126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001709442-23-000002
- JSON: https://secwatch.observer/filing/0001709442-23-000002.json
- Plain text: https://secwatch.observer/filing/0001709442-23-000002.txt

## Key facts
- Earnings Releases
  FIRSTSUN CAPITAL BANCORP reported fourth quarter and year ended December 31, 2022 results: net income $24.6 million, EPS $0.96 per diluted share.
  - Period: fourth quarter and year ended December 31, 2022
  - Net income: $24.6 million
  - EPS: $0.96 per diluted share
  - Result: reported results
  source text: On January 26, 2023 , FirstSun Capital Bancorp issued an earnings press release announcing financial results for the fourth quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1709442/000170944223000002/0001709442-23-000002-index.htm

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