FIRSTSUN CAPITAL BANCORP's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), FIRSTSUN CAPITAL BANCORP reported net income of $97.9M (+29.5% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Taxable | $407.5M | $404.0M | $366.5M | $229.0M |
| Tax exempt | $17.9M | $17.9M | $19.1M | $19.0M |
| Taxable | $17.4M | $18.5M | $17.0M | $13.2M |
| Tax exempt | $32.0K | $14.0K | $18.0K | $9.0K |
| Other interest income | $24.8M | $19.1M | $11.0M | $5.6M |
| Total interest income | $467.8M | $459.5M | $413.7M | $266.8M |
| Interest expense on deposits | $145.3M | $150.7M | $101.4M | $13.2M |
| Interest expense on securities sold under agreements to repurchase | $150.0K | $188.0K | $225.0K | $119.0K |
| Interest expense on other borrowed funds | $4.9M | $11.8M | $18.7M | $11.9M |
| Total interest expense | $150.4M | $162.6M | $120.3M | $25.2M |
| Net interest income | $317.4M | $296.9M | $293.4M | $241.6M |
| Provision for credit losses | $24.6M | $27.6M | $18.2M | — |
| Net interest income after credit loss expense | $292.8M | $269.4M | $275.2M | $223.6M |
| Deposit account service fees | $8.3M | — | — | — |
| Treasury management service fees | $17.5M | $14.8M | — | — |
| Credit and debit card fees | $10.7M | $11.2M | $12.0M | $11.5M |
| Trust and investment advisory fees | $5.9M | $5.8M | $5.7M | $6.8M |
| Mortgage banking services, net | $47.1M | $39.0M | $31.4M | $46.3M |
| Other noninterest income | $12.3M | $9.5M | $8.8M | $6.6M |
| Total noninterest income | $101.9M | $89.8M | $79.1M | $89.6M |
| Salary and employee benefits | $171.8M | $155.0M | $133.2M | $134.4M |
| Occupancy, equipment and software | $38.2M | $36.3M | $33.4M | $30.5M |
| Amortization and impairment of intangible assets | $2.4M | $3.5M | — | — |
| Merger related expenses | $2.7M | $0 | $0 | $18.8M |
| Other noninterest expenses | $56.6M | $56.0M | $51.3M | $51.3M |
| Total noninterest expense | $271.8M | $264.0M | $222.8M | $239.1M |
| Income before income taxes | $122.9M | $95.1M | $131.5M | $74.0M |
| Provision for income taxes | $25.0M | $19.5M | $27.9M | $14.8M |
| Net income | $97.9M | $75.6M | $103.5M | $59.2M |
| Net unrealized gain on securities available-for-sale | $11.8M | $3.9M | $758.0K | ($47.8M) |
| Other comprehensive income | $11.8M | — | — | — |
| Comprehensive income | $109.7M | $79.5M | $104.5M | $13.5M |
| Net income available to common stockholders, basic (in shares) | 97.9M | 75.6M | 103.5M | 59.2M |
| Net income available to common stockholders, diluted (in shares) | 97.9M | 75.6M | 103.5M | 59.2M |
| Basic (in dollars per share) | $3.52 | $2.76 | $4.15 | $2.55 |
| Diluted (in dollars per share) | $3.47 | $2.69 | $4.08 | $2.48 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Taxable | $186.8M | $103.1M | $104.5M | $101.6M |
| Tax exempt | $8.2M | $4.5M | $4.6M | $4.5M |
| Taxable | $25.0M | $4.1M | $4.4M | $4.4M |
| Tax exempt | $38.0K | $12.0K | $14.0K | $3.0K |
| Other interest income | $9.9M | $4.5M | $7.7M | $6.4M |
| Total interest income | $230.0M | $116.1M | $121.1M | $116.9M |
| Interest expense on deposits | $81.9M | $32.8M | $38.5M | $37.2M |
| Interest expense on securities sold under agreements to repurchase | $152.0K | $41.0K | $37.0K | $36.0K |
| Interest expense on other borrowed funds | $4.8M | $527.0K | $1.6M | $1.2M |
| Total interest expense | $86.8M | $33.3M | $40.2M | $38.4M |
| Net interest income | $143.2M | $82.8M | $81.0M | $78.5M |
| Provision for credit losses | $40.4M | $8.3M | $10.1M | $4.5M |
| Net interest income after credit loss expense | $102.8M | $74.5M | $70.9M | $74.0M |
| Deposit account service fees | $2.3M | $2.1M | — | — |
| Treasury management service fees | $5.1M | $4.6M | $4.4M | $4.3M |
| Credit and debit card fees | $3.0M | $2.7M | $2.7M | $2.7M |
| Trust and investment advisory fees | $9.4M | $1.5M | $1.5M | $1.5M |
| Mortgage banking services, net | $16.0M | $14.3M | $12.6M | $13.3M |
| Other noninterest income | $5.3M | $1.9M | $2.9M | $3.3M |
| Total noninterest income | $40.9M | $27.2M | $26.3M | $27.1M |
| Salary and employee benefits | $68.7M | $47.4M | $44.8M | $43.9M |
| Occupancy, equipment and software | $15.5M | $10.0M | $9.6M | $9.5M |
| Customer service costs | $2.7M | — | — | — |
| Amortization and impairment of intangible assets | $4.2M | $507.0K | $578.0K | $578.0K |
| Merger related expenses | $57.6M | $2.7M | — | — |
| Other noninterest expenses | $22.9M | $14.8M | $13.9M | $14.1M |
| Total noninterest expense | $171.7M | $75.3M | $68.9M | $68.1M |
| (Loss) income before income taxes | ($28.0M) | $26.4M | $28.3M | $33.0M |
| (Benefit) provision for income taxes | ($5.1M) | $4.8M | $5.1M | $6.6M |
| Net (loss) income | ($22.9M) | $21.6M | $23.2M | $26.4M |
| Net unrealized (loss) gain on securities available-for-sale | ($2.6M) | ($524.0K) | $7.9M | $255.0K |
| Reclassification adjustments for net loss on sales of available-for-sale securities | $2.0K | — | — | — |
| Other comprehensive (loss) income | ($2.6M) | ($524.0K) | $7.9M | $255.0K |
| Comprehensive (loss) income | ($25.4M) | $21.1M | $31.1M | $26.6M |
| Net (loss) income available to common stockholders, basic (in shares) | -22.9M | 21.6M | 23.2M | 26.4M |
| Net (loss) income available to common stockholders, diluted (in shares) | -22.9M | 21.6M | 23.2M | 26.4M |
| Basic (in dollars per share) | -$0.49 | $0.77 | $0.83 | $0.95 |
| Diluted (in dollars per share) | -$0.49 | $0.76 | $0.82 | $0.93 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and cash equivalents | $652.6M | $615.9M | $479.4M | $343.5M |
| Securities available-for-sale, at fair value | $469.0M | $469.1M | $516.8M | $537.0M |
| Securities held-to-maturity, fair value of $29,446 and $29,563, respectively | $33.8M | $35.2M | $37.0M | $38.9M |
| Loans held-for-sale, at fair value | $100.5M | $61.8M | $54.2M | $57.3M |
| Loans, net of allowance for credit losses of $85,016 and $88,221, respectively | $6.6B | $6.3B | $6.2B | $5.8B |
| Mortgage servicing rights, at fair value | $86.7M | $84.3M | $76.7M | $74.1M |
| Premises and equipment, net | $81.5M | $82.5M | $84.8M | $87.1M |
| Other real estate owned and foreclosed assets, net | $11.5M | $5.1M | $4.1M | $6.4M |
| Bank-owned life insurance | $83.3M | $81.1M | $79.9M | $77.9M |
| Restricted equity securities | $24.8M | $28.9M | $38.1M | $50.2M |
| Goodwill | $93.5M | $93.5M | $93.5M | $93.5M |
| Core deposits and other intangible assets, net | $5.0M | $7.4M | $11.0M | $15.8M |
| Accrued interest receivable | $32.3M | $32.1M | $37.1M | $28.5M |
| Deferred tax assets, net | $34.9M | $41.2M | $46.3M | $48.4M |
| Prepaid expenses and other assets | $187.7M | $171.1M | $134.3M | $125.8M |
| Total assets | $8.5B | $8.1B | $7.9B | $7.4B |
| Noninterest-bearing accounts | $1.7B | $1.5B | $1.5B | $1.8B |
| Interest-bearing accounts | $5.5B | $5.1B | $4.8B | $3.9B |
| Total deposits | $7.1B | $6.7B | $6.4B | $5.8B |
| Securities sold under agreements to repurchase | $11.2M | $14.7M | $24.7M | $36.7M |
| Federal Home Loan Bank advances | $0 | $135.0M | $389.5M | $643.9M |
| Subordinated debt, net | $36.7M | $75.8M | $75.3M | $74.9M |
| Accrued interest payable | $6.7M | $8.7M | $13.6M | $5.8M |
| Accrued expenses and other liabilities | $169.9M | $149.5M | $125.4M | $124.1M |
| Total liabilities | $7.3B | $7.1B | $7.0B | $6.7B |
| Preferred stock, $0.0001 par value, 10,000,000 shares authorized, none issued or outstanding, respectively | 0 | 0 | 0 | 0 |
| Common stock, $0.0001 par value; 50,000,000 shares authorized; 27,887,337 and 27,709,679 shares issued; 27,887,337 and 27,709,679 shares outstanding, respectively | 3.0K | 3.0K | 2.0K | 2.0K |
| Additional paid-in capital | $549.6M | $547.3M | $462.7M | $460.7M |
| Retained earnings | $631.1M | $533.1M | $457.5M | $357.8M |
| Accumulated other comprehensive loss, net | ($27.4M) | ($39.1M) | ($43.0M) | ($44.0M) |
| Total stockholders’ equity | $1.2B | $1.0B | $877.2M | $774.5M |
| Total liabilities and stockholders’ equity | $8.5B | $8.1B | $7.9B | $7.4B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and cash equivalents | $989.5M | $413.7M | $659.9M | $785.1M |
| Securities available-for-sale, at fair value | $1.9B | $458.5M | $476.1M | $473.5M |
| Securities held-to-maturity, fair value of $28,572 and $29,446, respectively | $33.3M | $33.6M | $34.2M | $34.6M |
| Loans held-for-sale, at fair value | $140.7M | $144.4M | $85.3M | $90.8M |
| Loans, net of allowance for credit losses of $173,551 and $85,016, respectively | $11.4B | $6.9B | $6.6B | $6.4B |
| Mortgage servicing rights, at fair value | $99.7M | $89.0M | $85.7M | $84.7M |
| Premises and equipment, net | $119.0M | $81.1M | $81.9M | $82.2M |
| Other real estate owned and foreclosed assets, net | $16.8M | $10.9M | $13.4M | $13.1M |
| Bank-owned life insurance | $136.5M | $83.8M | $82.7M | $82.2M |
| Restricted equity securities | $50.2M | $26.2M | $24.8M | $24.8M |
| Goodwill | $102.5M | $93.5M | $93.5M | $93.5M |
| Core deposits and other intangible assets, net | $90.5M | $4.5M | $5.7M | $6.2M |
| Accrued interest receivable | $60.2M | $33.1M | $34.8M | $33.9M |
| Deferred tax assets, net | $255.6M | $35.0M | $36.0M | $40.5M |
| Prepaid expenses and other assets | $321.3M | $200.7M | $183.9M | $166.7M |
| Total assets | $15.7B | $8.6B | $8.5B | $8.4B |
| Noninterest-bearing accounts | $2.7B | $1.6B | $1.7B | $1.7B |
| Interest-bearing accounts | $10.7B | $5.5B | $5.4B | $5.4B |
| Total deposits | $13.4B | $7.1B | $7.1B | $7.1B |
| Securities sold under agreements to repurchase | $17.5M | $7.7M | $9.8M | $11.2M |
| Subordinated debt, net | $205.3M | $36.8M | $76.2M | $76.1M |
| Accrued interest payable | $16.9M | $6.4M | $8.1M | $7.2M |
| Accrued expenses and other liabilities | $223.0M | $176.3M | $168.5M | $145.8M |
| Total liabilities | $13.9B | $7.4B | $7.4B | $7.3B |
| Preferred stock, $0.0001 par value, 10,000,000 shares authorized, none issued or outstanding, respectively | 0 | 0 | 0 | 0 |
| Common stock, $0.0001 par value; 80,000,000 and 50,000,000 voting shares authorized, respectively; 44,131,827 and 27,887,337 voting shares issued and outstanding, respectively; 20,000,000 and zero non-voting shares authorized, respectively; 2,633,607 and zero non-voting shares issued and outstanding, respectively | 5.0K | 3.0K | 3.0K | 3.0K |
| Additional paid-in capital | $1.2B | $550.7M | $549.0M | $548.0M |
| Retained earnings | $629.8M | $652.7M | $606.3M | $583.1M |
| Accumulated other comprehensive loss, net | ($30.4M) | ($27.9M) | ($27.7M) | ($35.7M) |
| Total stockholders’ equity | $1.8B | $1.2B | $1.1B | $1.1B |
| Total liabilities and stockholders’ equity | $15.7B | $8.6B | $8.5B | $8.4B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $97.9M | $75.6M | $103.5M | $59.2M |
| Provision for credit losses | $24.6M | $27.6M | $18.2M | — |
| Depreciation and amortization on premises and equipment | $8.2M | $7.4M | $7.4M | — |
| Deferred tax expense | $2.8M | $3.3M | $3.0M | $9.2M |
| Amortization of net premium on securities | $512.0K | $729.0K | $1.0M | $2.1M |
| Accretion of net discount on acquired loans | ($1.3M) | ($2.5M) | ($3.2M) | ($1.3M) |
| Net change in deferred loan origination fees and costs | $4.4M | ($132.0K) | ($1.2M) | $1.2M |
| Amortization of core deposits and other intangible assets | $2.4M | $2.8M | $4.8M | $4.2M |
| Amortization of premium on acquired deposits | ($79.0K) | ($340.0K) | ($966.0K) | ($1.1M) |
| Accretion of discount on subordinated debt | $272.0K | $383.0K | $286.0K | $254.0K |
| Amortization of issuance costs on subordinated debt | $124.0K | $147.0K | $147.0K | $145.0K |
| Accretion of discount on convertible notes payable | $0 | $0 | $101.0K | $1.1M |
| Increase in cash surrender value of bank-owned life insurance | ($2.2M) | ($2.0M) | ($1.9M) | ($1.7M) |
| Impairment of other real estate owned and foreclosed assets | $711.0K | $133.0K | $286.0K | $94.0K |
| Impairment of other intangible assets | $0 | $780.0K | — | — |
| Federal Home Loan Bank stock dividends | ($586.0K) | ($789.0K) | ($1.6M) | ($712.0K) |
| Share-based compensation expense | $3.5M | $2.4M | $2.1M | $1.4M |
| Decrease in fair value of mortgage servicing rights | $12.2M | $4.7M | $6.6M | ($12.4M) |
| Net loss on disposal of premises and equipment | $179.0K | $397.0K | $120.0K | $86.0K |
| Net loss on other real estate owned and foreclosed assets activity | $373.0K | $28.0K | — | — |
| Net gain on sales of loans held-for-sale | ($11.0M) | ($7.0M) | ($3.5M) | ($11.8M) |
| Net loss on subordinated notes issuance costs due to early redemption | $444.0K | — | — | — |
| Origination of loans held-for-sale | ($1.4B) | ($1.1B) | ($791.0M) | ($1.1B) |
| Proceeds from sales of loans held-for-sale | $1.4B | $1.1B | $788.4M | $1.1B |
| Lease right-of-use assets | ($106.0K) | ($304.0K) | ($660.0K) | $3.3M |
| Accrued interest receivable | ($153.0K) | $5.0M | ($8.6M) | ($9.8M) |
| Prepaid expenses and other assets | $23.6M | ($16.1M) | ($11.4M) | ($23.0M) |
| Accrued interest payable | ($2.0M) | ($4.9M) | $7.8M | $3.0M |
| Accrued expenses and other liabilities | ($11.1M) | $16.5M | $5.1M | ($293.0K) |
| Net cash provided by operating activities | $111.5M | $101.1M | $125.2M | $96.9M |
| Proceeds from maturities of held-to-maturity securities | $1.5M | $1.8M | $2.0M | $3.6M |
| Purchases of available-for-sale securities | ($23.7M) | ($9.4M) | ($21.6M) | ($66.6M) |
| Proceeds from paydowns, sales or maturities of available-for-sale securities | $38.7M | $60.3M | $41.7M | $170.4M |
| Loan originations, net of repayments | ($338.0M) | ($129.5M) | ($362.8M) | ($1.1B) |
| Purchases of premises and equipment | ($7.5M) | ($5.4M) | ($4.3M) | ($2.2M) |
| Proceeds from sales of premises and equipment | $41.0K | $0 | $0 | $2.0K |
| Proceeds from sales of other real estate owned and foreclosed assets | $2.3M | $1.1M | $6.0M | $867.0K |
| Proceeds from bank-owned life insurance | $0 | $725.0K | — | — |
| Purchases of restricted equity securities | ($693.0K) | ($44.7M) | ($51.1M) | ($39.8M) |
| Proceeds from the sale or redemption of restricted equity securities | $5.4M | $54.7M | $64.8M | $15.8M |
| Purchase of other investments | ($9.2M) | ($11.8M) | ($2.7M) | ($939.0K) |
| Proceeds from the sale or redemption of other investments | $770.0K | $1.3M | $668.0K | $745.0K |
| Net cash used in investing activities | ($330.2M) | ($80.9M) | ($327.3M) | ($538.1M) |
| Net change in deposits | $435.2M | $298.5M | $610.0M | ($280.9M) |
| Net change in securities sold under agreements to repurchase | ($3.5M) | ($10.0M) | ($12.0M) | ($55.4M) |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | ($1.3M) | $21.6M | $73.1M | $50.0M |
| Provision for credit losses | $48.6M | $8.3M | $18.4M | $8.3M |
| Depreciation and amortization on premises and equipment | $4.9M | $2.1M | $6.2M | $4.1M |
| Deferred tax expense | $584.0K | — | $6.6M | $4.7M |
| (Accretion) amortization of net (discount) premium on securities | ($3.7M) | $65.0K | $401.0K | $253.0K |
| Accretion of net discount on acquired loans | ($21.3M) | ($121.0K) | ($976.0K) | ($851.0K) |
| Net change in deferred loan origination fees and costs | $4.6M | $4.1M | $3.9M | $2.3M |
| Amortization of core deposits and other intangible assets | $4.7M | $507.0K | $1.8M | $1.2M |
| Amortization of premium on acquired deposits | ($3.2M) | $0 | ($54.0K) | ($45.0K) |
| Accretion of issuance costs and net discount on subordinated debt | $1.0M | $13.0K | $110.0K | $73.0K |
| Increase in cash surrender value of bank-owned life insurance | ($1.5M) | ($548.0K) | ($1.6M) | ($1.1M) |
| Impairment of other real estate owned and foreclosed assets | $79.0K | $2.0K | $672.0K | $642.0K |
| Federal Home Loan Bank stock dividends | ($196.0K) | ($101.0K) | ($478.0K) | ($369.0K) |
| Share-based compensation expense | $3.7M | $1.3M | $2.9M | $1.7M |
| Decrease in fair value of mortgage servicing rights | $4.3M | $1.9M | $9.1M | $6.3M |
| Net loss on sales of available-for-sale securities | $2.0K | — | — | — |
| Net loss on disposal of premises and equipment | $503.0K | $0 | $180.0K | $133.0K |
| Net loss on other real estate owned and foreclosed assets activity | $1.3M | $93.0K | $27.0K | $0 |
| Net gain on sales of loans held-for-sale | ($7.1M) | ($3.4M) | ($7.7M) | ($4.1M) |
| Origination of loans held-for-sale | ($891.6M) | ($429.8M) | ($1.0B) | ($641.5M) |
| Proceeds from sales of loans held-for-sale | $2.0B | $385.1M | $991.4M | $609.9M |
| Lease right-of-use assets | ($9.4M) | $145.0K | ($160.0K) | $24.0K |
| Accrued interest receivable | $9.1M | ($832.0K) | ($2.7M) | ($1.8M) |
| Prepaid expenses and other assets | $23.1M | ($5.4M) | $24.1M | $12.1M |
| Accrued interest payable | ($32.0M) | ($324.0K) | ($644.0K) | ($1.5M) |
| Accrued expenses and other liabilities | ($14.2M) | $2.9M | ($11.4M) | ($4.1M) |
| Deferred tax assets | $245.0K | — | ($5.1M) | ($5.1M) |
| Net cash provided by operating activities | $1.1B | ($12.4M) | $90.7M | $41.4M |
| Cash paid to acquire FEIF Capital Partners, LLC | $1.7B | — | — | — |
| Proceeds from maturities of held-to-maturity securities | $637.0K | $322.0K | $1.1M | $725.0K |
| Purchases of available-for-sale securities | $0 | $0 | ($21.6M) | ($20.8M) |
| Proceeds from pay-downs, sales or maturities of available-for-sale securities | $1.4B | $9.6M | $29.1M | $20.2M |
| Loan originations, net of repayments | ($4.4M) | ($281.4M) | ($340.7M) | ($155.1M) |
| Purchases of premises and equipment | ($1.7M) | ($1.8M) | ($5.8M) | ($4.0M) |
| Proceeds from sales of other real estate owned and foreclosed assets | $616.0K | $537.0K | $249.0K | $249.0K |
| Purchases of restricted equity securities | ($56.0M) | ($2.7M) | ($661.0K) | ($634.0K) |
| Proceeds from the sale or redemption of restricted equity securities | $74.4M | $1.4M | $5.3M | $5.1M |
| Purchase of other investments | ($40.4M) | ($17.9M) | ($6.6M) | ($6.8M) |
| Proceeds from the sale or redemption of other investments | $42.6M | $13.9M | $698.0K | $486.0K |
| Net cash provided by (used in) investing activities | $3.2B | ($278.0M) | ($338.8M) | ($160.5M) |
| Net change in deposits | ($2.5B) | ($19.8M) | $433.2M | $427.9M |
| Net change in securities sold under agreements to repurchase | ($11.1M) | ($3.5M) | ($4.9M) | ($3.5M) |
| Proceeds from Federal Home Loan Bank advances | $228.3M | $75.0M | $293.0M | $293.0M |
| Repayments of Federal Home Loan Bank advances | ($1.7B) | $0 | ($428.0M) | ($428.0M) |
| Repayments of other borrowings | $12.5M | — | — | — |
FIRSTSUN CAPITAL BANCORP score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.