{"schema_version":"secwatch.filing_event.v1","accession":"0001709442-25-000080","form_type":"8-K","ticker":"FSUN","cik":"0001709442","company_name":"FIRSTSUN CAPITAL BANCORP","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.226353+00:00","generated_at":"2026-05-17T02:12:13.599145+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"FirstSun Q3 net income $23.2M ($0.82 EPS); credit costs rise on C&I relationship","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001709442-25-000080","json":"https://secwatch.observer/filing/0001709442-25-000080.json","markdown":"https://secwatch.observer/filing/0001709442-25-000080.md","text":"https://secwatch.observer/filing/0001709442-25-000080.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1709442/000170944225000080/0001709442-25-000080-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1709442/000170944225000080/fcb-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:12:13.599145+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}