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FirstSun Capital
FirstSun Capital (FSUN) investor relations material
FirstSun Capital Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved full year 2025 net income of $97.9 million and adjusted net income of $100.5 million, with diluted EPS up 29% year-over-year and adjusted EPS up 13.7%.
Q4 2025 adjusted net income was $26.9 million and adjusted diluted EPS was $0.95, driven by robust revenue growth and a net interest margin of 4.18%.
Tangible book value per share increased 11.5% year-over-year to $37.83.
Progressing on integration planning and balance sheet optimization for the pending merger with First Foundation.
Return on average total assets for Q4 2025 was 1.17% (adjusted 1.27%); for the year, 1.18% (adjusted 1.21%).
Financial highlights
Total revenue for 2025 grew 8.4% to $419.3 million, with net interest income at $317.4 million, up 8.3% year-over-year.
Q4 2025 net interest income was $83.5 million, and noninterest income for Q4 was $26.7 million; full year noninterest income was $101.9 million.
Efficiency ratio for 2025 was 64.82% (adjusted 64.17%); Q4 adjusted efficiency ratio was 63.36%.
Loans held-for-investment ended at $6.67 billion, deposits at $7.11 billion, and total assets at $8.49 billion as of year-end.
Loan-to-deposit ratio was 93.9% at year-end.
Outlook and guidance
2026 outlook projects mid-single digit growth in average loans, deposits, and net interest income, with stable net interest margin and mid-60s efficiency ratio.
Noninterest income expected to grow in the low double-digit to low teens percentage range in 2026.
Allowance for credit losses to loans expected to remain in the mid to high 120s basis points, with net charge-off ratio in the mid to high 20s basis points for 2026.
Adjusted noninterest expense expected to grow in the mid to high single digit range.
Outlook excludes effects of the pending merger with First Foundation.
What drove elevated C&I loan charge-offs?
NIM strategy in declining rate environment?
First Foundation merger synergy realization?
Special mention increase drivers
Post-merger deposit strategy flexibility
C&I team expansion: Texas vs. SoCal
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Next FirstSun Capital earnings date
Q1 202628 Apr, 2026
FirstSun Capital
Next FirstSun Capital earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
FirstSun Capital Bancorp, based in Denver, Colorado, operates as the financial holding company for Sunflower Bank, N.A. This institution also includes divisions such as First National 1870 and Guardian Mortgage within its structure. The company delivers a wide array of financial products and services, including deposit, lending, treasury management, wealth management, and online banking solutions through Sunflower Bank, National Association, and Logia Portfolio Management, LLC. Their offerings cater to both individual customers and businesses, featuring commercial loans, real estate loans, residential mortgages, various banking deposit products, and treasury management products and services. The company is headquartered in Denver, Colorado, and its shares are listed on the OTCQX.
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