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FirstSun Capital (FSUN) investor relations material
FirstSun Capital Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income for Q2 2025 was $26.4M ($0.93 EPS), up from $24.6M in Q2 2024, with ROA of 1.28% and double-digit deposit growth for the second consecutive quarter.
Service fee revenue mix increased by over 300 basis points from last quarter, now representing 25.6% of total revenues.
Maintained efficiency ratio at 64.5%, slightly lower than the prior quarter, reflecting focus on positive operating leverage.
No pervasive credit issues observed, though elevated charge-offs occurred due to a small number of C&I credits, notably in telecom and public finance.
Continued strong growth opportunities in Southwestern and Western markets, especially in newer California markets.
Financial highlights
Deposits grew by $226M (13.2% annualized), with strongest growth in money market and transaction accounts; noninterest-bearing deposits now 24% of total mix.
Loan balances up 1.4% annualized, ending at $6.5B; new loan fundings totaled $484M, up 21% sequentially and 29% year-over-year.
Net interest margin remained strong at 4.07% for the quarter, above 4% for eleven consecutive quarters.
Net interest income increased 7.7% year-over-year to $78.5M; noninterest income rose to $27.1M, driven by mortgage banking and treasury management fees.
Noninterest expense increased to $68.1M, mainly due to higher compensation and legal/professional fees.
Outlook and guidance
Expect mid-single-digit growth for both loans and deposits for the full year, with net interest income and noninterest income also projected to grow.
Efficiency ratio expected to remain in the mid-60s; CET1 ratio to remain consistent.
Net charge-offs for the full year now expected in the high 30s to low 40s basis points, reflecting market pricing deterioration and specific credit events.
Assumes two 25bp Fed rate cuts by year-end and stable macroeconomic conditions.
Management remains focused on responsible growth, credit administration, and delivering solutions across high-growth markets.
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Next FirstSun Capital earnings date
Q3 202527 Oct, 2025
Next FirstSun Capital earnings date
Q3 202527 Oct, 2025
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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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