FirstSun Capital Bancorp Reports Second Quarter 2025 Results

Second Quarter 2025 Highlights:

• Net income of $26.4 million, $0.93 per diluted share
• Net interest margin of 4.07%
• Return on average total assets of 1.28%
• Return on average stockholders’ equity of 9.74%
• Deposit growth of 13.2%, annualized
• Loan growth of 1.4%, annualized
• 25.6% noninterest income to total revenue¹

Denver (BUSINESS WIRE) July 28, 2025 – FirstSun Capital Bancorp (“FirstSun”) (NASDAQ: FSUN) reported net income of $26.4 million for the second quarter of 2025 compared to net income of $24.6 million for the second quarter of 2024. Earnings per diluted share were $0.93 for the second quarter of 2025 compared to $0.88 for the second quarter of 2024. Adjusted net income, a non-GAAP financial measure, was $25.2 million or $0.90 per diluted share for the second quarter of 2024.

Neal Arnold, FirstSun’s Chief Executive Officer and President, commented, “Our strong results this quarter continue to demonstrate the success of our relationship-focused business model, a well-diversified business mix, and the execution of our core strategic initiatives. Performance this quarter was highlighted by exceptional deposit growth, a stable net interest margin, an increase in service fees to revenue mix to 25.6% and 12.0% earnings per share growth. While we saw higher credit costs this quarter amidst the challenging banking environment, the hard work and focus of all our teams across the organization is recognized in our results. We continue to diligently focus on credit administration and responsibly growing the business by delivering the best solutions to all our customers throughout our high growth southwestern and western market footprint.”

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

¹Total revenue is net interest income plus noninterest income.