---
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"
generated_at: "2026-05-17T02:12:13.599145+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001709442-25-000080
- JSON: https://secwatch.observer/filing/0001709442-25-000080.json
- Plain text: https://secwatch.observer/filing/0001709442-25-000080.txt

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