{"schema_version":"secwatch.filing_event.v1","accession":"0001709442-26-000041","form_type":"8-K","ticker":"FSUN","cik":"0001709442","company_name":"FIRSTSUN CAPITAL BANCORP","filed_at":"2026-07-09T20:30:14+00:00","discovered_at":"2026-07-09T20:31:01.324493+00:00","generated_at":"2026-07-09T20:31:26.044296+00:00","sec_items":["2.02","7.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"FirstSun Capital warns Q2 charge-offs $42-43M; fraud-related $22M loss on $23.6M loan","bullets":["Expects $22.0M charge-off on $23.6M asset-based loan to materials distributor due to borrower fraud; minimal recovery anticipated.","Expects $12.9M charge-off on $16.0M C&I loan to technology company due to deteriorating financial performance.","Q2 2026 provision for credit losses expected $40-41M; total charge-offs $42-43M.","Full-year 2026 net charge-offs to average loans guided to high 50s bps; allowance to loans mid-140s to 150s bps.","Management believes fraud incident isolated; law enforcement notified; no other guidance updated."],"urls":{"canonical":"https://secwatch.observer/filing/0001709442-26-000041","json":"https://secwatch.observer/filing/0001709442-26-000041.json","markdown":"https://secwatch.observer/filing/0001709442-26-000041.md","text":"https://secwatch.observer/filing/0001709442-26-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1709442/000170944226000041/0001709442-26-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1709442/000170944226000041/fcb-20260709.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-09T20:31:26.044296+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"}