FirstSun Capital Bancorp reports developments tied to its role as the financial holding company for Sunflower Bank, N.A. and First Foundation Advisors. News commonly covers bank earnings, net interest margin, loan and deposit trends, credit-loss provisions, noninterest income, expense management and capital actions such as debt redemptions.
The company’s updates also address Sunflower Bank’s commercial and consumer banking, treasury management, wealth management, online banking and mortgage operations. Following the completed merger with First Foundation Inc., recurring news includes the combined banking platform, expanded subsidiary structure, depository branch footprint, mortgage capabilities and services such as Sunflower Insurance Solutions for wealth and risk-management planning.
FirstSun Capital Bancorp (NASDAQ: FSUN) reported strong fourth quarter and full year 2025 results with quarterly net income of $24.8M ($0.88 diluted) and full-year net income of $97.9M ($3.47 diluted). Net interest margin expanded to 4.18% in Q4 and 4.10% for 2025. Average loan growth accelerated (Q4 annualized 8.5%; full-year 4.7%) while average deposit growth was 6.6% for 2025. Capital ratios remain well above regulatory thresholds (CET1 14.12%, total risk-based 15.73%, tier 1 leverage 12.75%).
Credit metrics were impacted by specific C&I account deterioration, raising net charge-offs and provisions during 2025.
Sunflower Bank (FSUN) launched Sunflower Insurance Solutions, a wholly owned subsidiary on January 23, 2026, to expand insurance and wealth planning for businesses and high-net-worth individuals.
Services include risk management, liquidity planning, tax-efficient wealth transfer, executive benefits, key-person and buy/sell planning, life, long-term care and disability coverage, and estate/generational planning. Catherine Runge joins as Director of Insurance Strategies with 20+ years' experience. Sunflower Insurance Solutions also entered a strategic partnership with Lion Street to access its network, carriers, technology, and advanced planning resources. More information is available at SunflowerIS.com.
FirstSun Capital Bancorp (Nasdaq: FSUN) will release fourth quarter and full year 2025 financial results on Monday, January 26, 2026 after market close.
The company will host a conference call to discuss results on Tuesday, January 27, 2026 at 11:00 a.m. EST. Investors can access the financial results in the News section and the live webcast and replay on the Events & Presentations page of the company's website. Phone participants may dial toll-free (833) 470-1428 or (404) 975-4839 with Access Code 586052; advance registration is available and access details will be emailed upon registration.
Sunflower Bank (Nasdaq: FSUN) named Andy Gaines as Regional President for Houston, Austin & San Antonio, responsible for growing middle market commercial banking in those Texas markets. Gaines has more than 15 years of commercial and corporate banking experience and will be based at Sunflower Bank’s Houston corporate office. The bank reported $8.5 billion in assets as of September 30, 2025, operates 71 licensed branches across seven states, and offers mortgage capabilities in 43 states. Sunflower Bank expanded its Texas footprint after an April 2022 merger and now runs 22 Texas locations; two additional commercial hires in Houston were announced: Christine Dobbins and Malia Willis.
FirstSun Capital Bancorp (NASDAQ:FSUN) announced that affiliates of Castle Creek Capital purchased $40 million of common stock from legacy holders, giving Castle Creek an approximate 4% ownership stake as of December 4, 2025. Under an agreement between the parties, subject to regulatory requirements, Spencer T. Cohn is expected to join FirstSun’s board upon the earlier of (i) closing of the proposed merger with First Foundation or (ii) FirstSun’s 2026 annual meeting. Management and Castle Creek described the investment as support for the proposed merger and the company’s strategy.
Sunflower Bank (FSUN) announced a partnership with VerityPay to add secure B2C digital payouts to its Treasury Management services on December 3, 2025. The collaboration leverages VerityPay’s patented platform to enable business customers to send payments to consumers via SMS in as little as 90 seconds without an app download. Sunflower Bank, a $8.5 billion institution with a mortgage platform in 43 states and regional operations across seven states, will offer the service to replace paper checks and prepaid cards and to support faster, trackable disbursements.
Sunflower Bank (NASDAQ:FSUN) donated a total of $104,860 to K-12 schools through its ABC Program for Education for the 2024-2025 school year and paid $28,510 directly to students via 2025 "Pay for As" drawings, for a combined $133,370 in support.
The ABC Program began in 2001 and has contributed over $1.9 million to Sunflower Bank and First National 1870 communities. The 2025-2026 campaign runs Sept 1, 2025–Aug 31, 2026 and includes: $0.02 per eligible debit purchase to a registered school, $5 for new Elevation Checking accounts opened with a school code, and biannual "Pay for As" drawings that award $10 per A (up to $100) with matching school donations for winners who attend participating schools.
Sunflower Bank (NASDAQ:FSUN) announced that Ryan Stuart has joined as Regional President for Dallas, responsible for leading middle market commercial banking growth in the region.
Sunflower Bank is an $8.5 billion institution with headquarters in Dallas, regional offices in Plano, Richardson, and Fort Worth, and national lending capabilities across 43 states. Stuart brings over 20 years of commercial banking experience, most recently serving as Dallas Market Executive at a regional bank, and holds banking education from SMU Cox and a corporate finance degree from the University of Akron.
FirstSun Capital Bancorp (Nasdaq: FSUN) and First Foundation Inc. (NYSE: FFWM) agreed to an all-stock merger to create a combined regional bank with approximately $17 billion in total assets and a pro forma $6.8 billion in AUM. The deal exchange ratio is 0.16083 FirstSun shares per First Foundation share; aggregate transaction value is estimated at $785 million including $17.5 million cash to warrant holders. FirstSun shareholders will own 59.5% and First Foundation shareholders 40.5% of the combined company.
Management projects ~1.45% ROAA, ~13.3% ROATCE, a 20% fee income share of revenue, >30% estimated 2027 EPS accretion, and a 3.3-year earn-back on tangible book dilution. Closing is expected early Q2 2026, subject to regulatory and shareholder approvals.
FirstSun Capital Bancorp (NASDAQ: FSUN) reported Q3 2025 net income $23.2M ($0.82 diluted EPS) and a net interest margin of 4.07%. Return on average assets was 1.09% and return on equity 8.22%. Loans grew 10.6% annualized to $6.7B while deposits were essentially flat, rising 0.3% annualized to $7.1B. Provision for credit losses was $10.1M and net charge-offs were $9.1M. Capital remained strong with CET1 at 13.79%. On Oct 1, 2025 the company redeemed $40M of subordinated notes.