FirstSun Q1 net income $23.6M ($0.83/diluted), up from $12.3M YoY; NIM 4.07%

FIRSTSUN CAPITAL BANCORP

2025-Q1 EPS reported $0.83

Net income $23.6M, EPS $0.83 diluted vs $12.3M, $0.45 YoY; adjusted EPS $0.53 in Q1 2024.
Net interest margin 4.07%; loans +6.8% annualized to $6.5B; deposits +12.3% annualized to $6.9B.
Provision for credit losses $3.8M; net charge-offs $0.6M (annualized 0.04% of avg loans); NPAs/Assets 1.02%.
Noninterest income $21.7M (22.6% of revenue); noninterest expense $62.7M; efficiency ratio 65.19%.
Capital: CET1 13.26%, total RBC 15.52%, tier 1 leverage 12.47%; tangible book $34.88, up $0.94 from Dec.

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