---
schema_version: "secwatch.filing_event.v1"
accession: "0001709442-24-000005"
form_type: "8-K"
ticker: "FSUN"
cik: "0001709442"
company_name: "FIRSTSUN CAPITAL BANCORP"
filed_at: "2024-01-26T23:59:59+00:00"
generated_at: "2026-06-06T16:36:59.652048+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FirstSun reports Q4 net income $24.0M ($0.94 EPS); full-year net income $103.5M ($4.08 EPS), record earnings

## Summary
- Q4 net income $24.0M ($0.94 diluted EPS) vs $24.6M ($0.96) in Q4 2022; FY2023 net income $103.5M ($4.08) vs $59.2M ($2.48) in FY2022.
- Net interest margin 4.08% in Q4 (down 15bp qoq) and 4.23% for FY2023 (up 36bp yoy).
- Loans at $6.3B at Dec 31, 2023, up 6.01% YoY; average deposits up 9.65% YoY.
- Provision for credit losses $6.6M in Q4 (up from $3.9M prior qtr); net charge-offs $4.7M (annualized 0.30%).
- Capital ratios strong: CET1 11.10%, total risk-based 13.25%; tangible book value per share $30.96 (up $4.27 YoY).

## SEC filing metadata
- accession: 0001709442-24-000005
- form_type: 8-K
- ticker: FSUN
- cik: 0001709442
- company_name: FIRSTSUN CAPITAL BANCORP
- filed_at: 2024-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1709442/000170944224000005/0001709442-24-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1709442/000170944224000005/fcb-20240126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001709442-24-000005
- JSON: https://secwatch.observer/filing/0001709442-24-000005.json
- Plain text: https://secwatch.observer/filing/0001709442-24-000005.txt

## Key facts
- Earnings Releases
  FIRSTSUN CAPITAL BANCORP reported financial results for the fourth quarter and full year ended December 31, 2023.
  - Period: the fourth quarter and full year ended December 31, 2023
  - Result: reported results
  source text: On January 26, 2024 , FirstSun Capital Bancorp issued an earnings press release announcing financial results for the fourth quarter and full year ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1709442/000170944224000005/0001709442-24-000005-index.htm

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