FirstSun Capital Bancorp is a financial holding company headquartered at 1400 16th Street in Denver, Colorado, and traded on the Nasdaq Global Select Market under the symbol FSUN. The company traces its banking roots to Kansas in 1892 and was formerly known as Sunflower Financial, Inc. before adopting the FirstSun ...FirstSun Capital Bancorp is a financial holding company headquartered at 1400 16th Street in Denver, Colorado, and traded on the Nasdaq Global Select Market under the symbol FSUN. The company traces its banking roots to Kansas in 1892 and was formerly known as Sunflower Financial, Inc. before adopting the FirstSun Capital Bancorp name in June 2017. Its principal banking subsidiary is Sunflower Bank, N.A., which operates a regional banking franchise across Kansas, Colorado, New Mexico, Texas, and Arizona. The company has also been associated with First National 1870 and First Foundation Advisors in its broader holding-company structure and strategic development.
FirstSun’s business model is based on gathering deposits and deploying those funds into loans and financial services. Deposit products include non-interest-bearing and interest-bearing demand accounts, checking and savings accounts, money-market accounts, and certificates of deposit. Its lending portfolio includes commercial and industrial loans, owner-occupied and non-owner-occupied commercial real estate loans, residential 1-to-4-family and multifamily loans, home-equity lines of credit, consumer installment loans, credit cards, overdraft protection, and other revolving credit products. The company focuses significantly on small and mid-sized businesses, which creates opportunities for relationship banking, although it also exposes the bank to regional economic conditions, borrower credit quality, real-estate cycles, and interest-rate changes.
Additional services include remote deposit capture, cash management, treasury management, wealth management, investment advisory services, and trust administration. Trust and investment offerings may serve individuals, employee-benefit plans, foundations, endowments, and other institutional accounts. These fee-generating services complement traditional net-interest-income activities and can deepen customer relationships while diversifying revenue.
The supplied data lists approximately 1,177 full-time employees, placing the company in the 1,001-2,000 employee range. Neal E. Arnold serves as Chief Executive Officer, President, and Chief Operating Officer and has held those roles since April 1, 2022. Based on the supplied trailing-twelve-month data, FirstSun reported approximately $1.64 billion of tangible asset value, a 7.1% net profit margin, a 3.5% return on equity, and a 0.60 price-to-book ratio. The data also indicates no current dividend payment. As a regulated bank holding company, its financial performance depends on deposit costs, loan growth, credit losses, capital requirements, securities values, liquidity, and the broader economic environment. The company’s long-term objective is to expand a durable regional banking franchise while maintaining disciplined underwriting, strong customer relationships, and complementary wealth and treasury-management capabilities.
Operator : Thank you. Good morning and welcome to the First Son Capital Bank Corp. Second Quarter 2026 Earnings Conference Call. At this time, all participants are in listen-only mode. Later, we will conduct a question and answer session. If you would like to ask a question this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, press star one again. Also, as a reminder, this call may be recorded. I'd now like to turn the call over to Ed Jacks, First Sons Director of Investor Relations and Business Development. Ed, you may begin.
Ed Jacques : Thank you and good morning. I'm joined today by Neil Arnold, our Chief Executive Officer and President, Rob Kuffera, our Chief Financial Officer, and Jennifer Norse, our Chief Credit Officer. We'll start the call with some brief remarks to highlight commentary around our second quarter results before moving into questions. Our comments will reference the earnings release and earnings presentation, which you will find on our website under the investor relations section. During this call, we will comment on our financial performance using both GAAP, MetaMask, and and non-GAAP financial measures. Important information about these non-GAAP financial measures, including reconciliations to comparable GAAP measures, is included in the appendix to our earnings presentation and in our earnings release. During this call, we will also make remarks about future expectations, plans, and for the company that constitute forward-looking statements for the purposes of the safe harbor provisions under the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those indicated by these forward-looking statements as a result of various important factors. to our earnings presentation as well as our annual report on form 10-K and our other SEC filings for a further discussion of the company's risk factors and other important information regarding our forward-looking statements. We undertake no obligation to publicly revise or update any forward-looking statement, except as required by law. And I'll turn the call over to Neil Arnold.
Neal Arnold : Thanks, Ed. And good morning, and thank you for joining us. The second quarter marks an important milestone for First Son as we completed our acquisition of First Foundation on April 1st and continued the hard work of integrating their businesses. We believe the expanded footprint in the Southern California markets and their premier management platform have added significantly and strengthens our franchise and positions us for future success. The middle market business opportunity in Southern Cal aligns well with our CNI playbook. I would argue that Southern California is the best core deposit market in the United States, as some of you have heard me say. I believe that coupled with adding our Southwest Florida markets to our existing deposit markets across Texas, Kansas, New …