Mortgage Customers:Please note that you may receive your Escrow Analysis twice - once as a standalone document and again bundled with your Year-End Statements. The Escrow Analysis statements are identical, and no further action is required by you.
Back to News

FirstSun Capital Bancorp Reports Fourth Quarter and Full Year 2025 Results

January 26, 2026

Fourth Quarter 2025 Highlights:

  • Net income of $24.8 million, $0.88 per diluted share (adjusted, $26.9 million, $0.95 per diluted share, see the “Non-GAAP Financial Measures and Reconciliations” section)
  • Net interest margin of 4.18%
  • Return on average total assets of 1.17% (adjusted, 1.27%, see the “Non-GAAP Financial Measures and Reconciliations” section)
  • Return on average stockholders’ equity of 8.58% (adjusted, 9.31%, see the “Non-GAAP Financial Measures and Reconciliations” section)
  • Average loan growth of 8.5%, annualized
  • 24.3% noninterest income to total revenue1 

Denver, Colorado – January 26, 2026 – FirstSun Capital Bancorp (“FirstSun”) (NASDAQ: FSUN) reported net income of $24.8 million for the fourth quarter of 2025 compared to net income of $16.4 million for the fourth quarter of 2024. Earnings per diluted share were $0.88 for the fourth quarter of 2025 compared to $0.58 for the fourth quarter of 2024. Adjusted net income, a non-GAAP financial measure, was $26.9 million or $0.95 per diluted share for the fourth quarter of 2025 compared to $24.3 million or $0.86 per diluted share for the fourth quarter of 2024.

Neal Arnold, FirstSun’s Chief Executive Officer and President, commented, “We are very pleased with our strong operating results in the fourth quarter. Among the highlights were our growth in net interest margin to a strong 4.18%, average loan growth of 8.5%, annualized and revenue growth driving our earnings growth. Our strategic focus on our C&I, consumer and service fee businesses has enabled us to continue to responsibly grow our franchise and deliver strong earnings once again this year. While we acknowledge the potential influence of macroeconomic and geopolitical risks, we look forward to the franchise opportunities ahead in 2026 and believe our business model and well diversified business mix will position us for continued success.

“We are also encouraged with the progress we are making with the First Foundation team on operational integration planning and balance sheet optimization work. Finally, I want to thank all of our hard working employees for their continued focus on creating a best-in-class bank while delivering value added solutions to all our customers throughout our footprint.”

The full earnings release can be viewed on the FirstSun Capital Bancorp Investor Relations website.

Investor Earnings Conference Call

FirstSun will host a conference call on Tuesday, January 27, 2026 at 11:00 a.m. (EST) to discuss its fourth quarter and full year 2025 financial results.

Participants may join by phone by dialing (833) 470-1428 for toll-free within the US and (404) 975-4839 for all other locations. The conference Access Code is 586052. The numbers for international participants are available here: https://www.netroadshow.com/events/global-numbers?confId=48643. 

An audio replay of the live call, and the accompanying presentation slides, is expected to be available following the live event on the Events & Presentations page of FirstSun’s website at https://ir.firstsuncb.com/overview/default.aspx.


1Total revenue is net interest income plus noninterest income.