secwatch.observer — SEC 8-K summary
======================================

Issuer:     FIRSTSUN CAPITAL BANCORP (FSUN)
CIK:        0001709442
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0001709442-25-000080
Event type: earnings
Sentiment:  negative
Materiality: 0.60
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1709442/000170944225000080/0001709442-25-000080-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1709442/000170944225000080/fcb-20251027.htm
  HTML page:      https://secwatch.observer/filing/0001709442-25-000080

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer