Firstsun Capital Bancorp (NASDAQ: FSUN)

FirstSun Capital Bancorp is a financial holding company headquartered in Denver, Colorado, that provides a full suite of deposit, lending, treasury management, wealth management and online banking services through its subsidiaries. The company's primary banking subsidiary, Sunflower Bank, National Association, offers commercial and industrial loans, commercial real estate loans, residential mortgages, consumer loans, and a variety of deposit products. Sunflower Wealth Advisors LLC delivers discretionary investment management to retail and institutional clients, while a third subsidiary, FEIF Capital Partners, LLC, is being organized to manage a prospective credit fund. As of December 31, 2025, the company reported consolidated assets of $8.5 billion, loans of $6.6 billion, deposits of $7.1 billion and equity of $1.2 billion.

FirstSun Capital Bancorp generates revenue primarily from interest income on its loan portfolio and fees from deposit services, wealth management, mortgage banking and treasury management activities. The Banking segment earns interest on commercial and industrial loans, commercial real estate loans, residential mortgages and consumer loans, along with fees from deposit accounts, treasury management solutions and related services. The Mortgage Operations segment derives income from originating and servicing residential mortgage loans, as well as from packaging and securitizing loans for government agencies. Wealth management contributes asset based fees and advisory income, while the planned credit fund subsidiary will generate management fees once operational.

The company operates through the following segments.

• Banking: This segment provides a full range of deposit and lending products, including commercial and industrial loans, commercial real estate loans, residential mortgages, consumer loans and various deposit accounts, while delivering treasury management services and serving businesses, professionals and individuals through a relationship based approach.

• Mortgage Operations: This segment offers full service residential mortgage products, including conforming loans, and includes the servicing of residential mortgage loans and the packaging and securitization of loans to governmental agencies.

Within the highly competitive financial services industry, FirstSun Capital Bancorp competes with national and regional banks, credit unions, savings institutions, mortgage companies, consumer finance firms, securities brokerages, insurance companies and fintech providers. Its competitive advantage stems from a community focused, relationship driven model that emphasizes personalized service, local decision making and long term client ties, which helps attract and retain customers in its geographic footprint. The firm also benefits from a diversified revenue base that spans banking, mortgage and wealth management lines, and from a track record of successfully integrating acquisitions to expand its market presence.

FirstSun Capital Bancorp serves a broad customer base that includes small and medium sized businesses, professionals, individual consumers, charter schools, municipalities, retail investors and institutional clients across its markets in Texas, Kansas, Colorado, New Mexico, Arizona, California and Washington.