FirstSun Q3 net income $23.2M ($0.82 EPS); credit costs rise on C&I relationship

FIRSTSUN CAPITAL BANCORP

2025-Q3 EPS reported $2.59

Net income $23.2M ($0.82 diluted EPS) vs $22.4M ($0.79) in Q3 2024; NIM stable at 4.07%.
Loan growth 10.6% annualized to $6.7B; deposit growth 0.3% annualized to $7.1B.
Provision for credit losses $10.1M driven by C&I customer deterioration; net charge-offs $9.1M (0.55% annualized).
Nonperforming assets ratio 0.98% vs 0.80% prior quarter; allowance for credit losses 1.26% of loans.
Subsequent event: Redeemed $40M of 6.000% subordinated notes on Oct 1, 2025.

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