Here are 1-3 brief analogies for Firstsun Capital Bancorp (FSUN):

• Like a regional version of Bank of America, serving local communities.
• A community bank offering traditional services, similar to a small-scale Wells Fargo.
• JPMorgan Chase, but focused on a local, community level in Florida.

While an actively trading public company named "Firstsun Capital Bancorp" with the symbol "FSUN" could not be reliably identified, assuming it operates as a typical bank holding company, its major services would generally include:

• Deposit Services: Offering various checking, savings, money market, and certificate of deposit accounts for individuals and businesses. (Category: Retail & Commercial Banking)
• Lending Services: Providing a range of loans such as mortgages, auto loans, personal loans, and credit cards to consumers, alongside commercial loans and lines of credit for businesses. (Category: Lending)
• Treasury Management: Delivering cash management, payment processing, and fraud protection solutions for corporate clients. (Category: Commercial Banking)
• Wealth Management: Furnishing investment advisory, brokerage, trust, and financial planning services to individuals and institutional clients. (Category: Financial Advisory & Investment)

Firstsun Capital Bancorp (FSUN), through its subsidiary Firstsun Bank, operates as a financial services company providing a range of banking products and services. As a community-focused bank, it serves a diverse base of clients rather than having a few identifiable major corporate customers to list by name. Therefore, the company's major customers can be categorized as follows:

• Individuals (Retail Customers): This category includes everyday consumers and households who utilize the bank's personal banking services such as checking and savings accounts, certificates of deposit (CDs), individual retirement accounts (IRAs), mortgages, home equity loans, and various other personal loans and credit products.

• Small to Medium-sized Businesses (Commercial Customers): Firstsun Bank provides comprehensive banking solutions to local and regional businesses. These customers typically engage in services like business checking and savings accounts, commercial real estate loans, small business administration (SBA) loans, lines of credit, term loans, and treasury management services.

• Affluent Individuals and Families (Wealth Management Clients): This segment consists of clients seeking more specialized financial services, including wealth management, investment management, financial planning, trust services, and private banking solutions to help manage and grow their assets.

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Neal E. Arnold, Chief Executive Officer, President, and Chief Operating Officer

Mr. Arnold was appointed Chief Executive Officer, President, and Chief Operating Officer of FirstSun Capital Bancorp in April 2022. He has served as the Chief Executive Officer and President of Sunflower Bank since 2018. Prior to joining FirstSun, Mr. Arnold held positions as Executive Vice President of Fifth Third Bancorp and Fifth Third Bank from 1998 to 2005, and as Chief Financial Officer of Fifth Third Bancorp and Fifth Third Bank from 1997 to 2005. Earlier in his career at Fifth Third, he served as Treasurer and Senior Vice President. Before joining Fifth Third, he served as Chief Financial Officer and Chief Operating Officer of Midwestern Community Bank from 1980 to 1989.

Robert A. Cafera, Jr., Senior Executive Vice President and Chief Financial Officer

Mr. Cafera currently serves as Senior Executive Vice President and Chief Financial Officer of FirstSun Capital Bancorp and Sunflower Bank, positions he has held since 2012. Before joining FirstSun, he held various roles at Fifth Third Bank, including Senior Vice President and Chief Financial Officer of the Commercial Bank, and Assistant Controller. Prior to his time at Fifth Third Bank, Mr. Cafera was a Senior Manager with Arthur Andersen for approximately ten years.

Mollie H. Carter, Executive Chairman

Ms. Carter is the Executive Chairman of the FirstSun board of directors and Sunflower Bank. She previously served as President and Chief Executive Officer of FirstSun from 2005 until April 2022, and as President and Chief Executive Officer of Sunflower Bank from 2005 to 2018. Ms. Carter was also a director of Evergy, Inc. and its predecessor, Westar Energy, from 2003 to 2022, where she chaired the Compensation Committee. Additionally, she served as a director of Archer-Daniels-Midland Company from 1996 to 2017.

Laura J. Frazier, Executive Vice President, Chief Administrative Officer

Ms. Frazier currently serves as Executive Vice President, Chief Administrative Officer of FirstSun and Sunflower Bank, positions she has held since 2020. She joined Sunflower Bank as its Human Resources Director from 2013 to 2016 and was named Chief Human Resources Officer in 2016, serving in that role until 2020. Her previous experience includes serving as Deputy Director of Human Resources for the Department of Developmental Disabilities from 2010 to 2013, and as Director of Labor Relations for the same governmental agency from 2002 to 2010.

Jennifer L. Norris, Executive Vice President and Chief Credit Officer

Ms. Norris currently serves as Executive Vice President and Chief Credit Officer of FirstSun and Sunflower Bank, a position she has held since 2020. She also became Chief Operating Officer of Sunflower Bank in November 2024. From 1997 to 2019, Ms. Norris held various roles at Wells Fargo Bank, most recently serving for ten years as Loan Team Manager for the Credit Resolution Group, Senior Vice President. Before joining Wells Fargo, she was Vice President, Credit Products Manager at Specialized Industries Risk Management from 2001 to 2004.

The rapid proliferation of sophisticated challenger banks (neobanks) and fintech companies, alongside the increasing expansion of large technology companies (Big Tech) into core financial services. These entities often leverage cutting-edge artificial intelligence, machine learning, and superior user experience design, combined with lower cost structures or massive existing user bases, to offer highly competitive deposit, lending, and payment products. This intensifies competition within the digital banking space, potentially eroding Firstsun Capital Bancorp's customer base and market share despite its own digital-first model.

• Community Banking (U.S.): The U.S. community banking market was valued at approximately USD 6.35 billion in 2024, with a projected compound annual growth rate (CAGR) of 3.8%. Other estimates place the market size at USD 16.76 billion in 2024, expected to grow to USD 30.46 billion by 2035 with a CAGR of 5.58% from 2025 to 2035. Another report indicates the market size grew from USD 17.79 billion in 2024 to USD 19.39 billion in 2025, with an anticipated growth to USD 26.98 billion by 2029 at an 8.6% CAGR. North America, with the U.S. as its largest contributor, holds a dominant share of the global community banking market, capturing over 40% in 2024.
• Residential Mortgage Lending (U.S.): The U.S. home mortgage market size was valued at approximately USD 180.91 billion in 2023 and is projected to reach about USD 501.67 billion by 2032, growing at a CAGR of roughly 12.00% between 2024 and 2032. The total outstanding balances for residential mortgages in the United States reached USD 12.85 trillion in 2023. Furthermore, the U.S. home loan market was valued at USD 2.29 trillion in 2025, with a forecast to reach USD 3.02 trillion by 2030, at a CAGR of 5.63%. The mortgage lender market, which includes residential mortgage originations, is expected to grow from USD 1.15 trillion in 2024 to USD 1.29 trillion in 2025, with a projected increase to USD 2.04 trillion by 2029 at a CAGR of 12.2%.
• Commercial Real Estate (CRE) Lending (U.S.): Total commercial real estate mortgage borrowing and lending in the U.S. was estimated at USD 498 billion in 2024. The broader U.S. real estate loan market, which encompasses commercial lending, was valued at USD 3.5 trillion in 2024, with a projected CAGR of 10.6%. The CRE mortgage market for income-producing properties is approximately USD 4.5 trillion. Total commercial and multifamily mortgage debt outstanding in the U.S. increased to USD 4.79 trillion in Q4 2024.

Firstsun Capital Bancorp (FSUN) is expected to drive future revenue growth over the next 2-3 years through several key initiatives and market dynamics:

1. Strategic Market Expansion, Particularly in Southern California: The company is actively expanding its footprint in high-growth Southwestern and Western markets, with a strong focus on Southern California. The recent merger with First Foundation Inc. is a significant accelerator for this strategy, adding 18 branch locations and creating a larger regional banking franchise with approximately $17 billion in total assets.
2. Growth in Commercial & Industrial (C&I) and Consumer Lending: FirstSun emphasizes its relationship-focused business model and aims for consistent growth in C&I and consumer relationships. Lending operations, which are the largest source of net interest income for the company, are expected to continue their strong performance, supported by robust loan growth.
3. Increased Fee-Based Revenue and Diversified Revenue Mix: The company is focused on expanding its non-interest income, with an emphasis on wealth management and other fee-based services. This diversification is expected to contribute to a higher proportion of service fees to total revenue, providing potential insulation from interest rate fluctuations.
4. Strategic Acquisitions and Mergers: The acquisition of First Foundation Inc. is a primary driver for future growth, projected to lead to over 30% accretion to FirstSun's 2027 estimated earnings per share and improved return metrics. This merger is anticipated to unlock First Foundation's core franchise and integrate it into FirstSun's higher profitability business model.
5. Robust Deposit Growth: Exceptional deposit growth in both consumer and business segments has been identified as a critical factor that provides FirstSun with the flexibility to fund new loans and support its expansion plans. This growth trajectory is expected to capture economic tailwinds, particularly from demographic shifts in the Sun Belt region.

Share Issuance

• FirstSun Capital Bancorp announced an all-stock merger with First Foundation Inc. on October 27, 2025, which will involve the issuance of FirstSun common stock to First Foundation shareholders.
• The merger is valued at approximately $785 million and will result in FirstSun stockholders owning about 59.5% of the combined company.
• In April 2025, FirstSun granted 71,012 shares of restricted stock with a service condition and 71,001 shares of restricted stock under its Long-Term Incentive Plan.

Outbound Investments

• FirstSun Capital Bancorp is set to acquire First Foundation Inc. in an all-stock merger valued at approximately $785 million. This strategic acquisition aims to create a $17 billion regional banking franchise and accelerate FirstSun's expansion into Southern California.
• In March 2025, Sunflower Bank, a division of FirstSun Capital Bancorp, participated in a $45 million funding round for Good Good Golf.

Capital Expenditures

• FirstSun Capital Bancorp's Capital Expenditures amounted to -5.4 million USD based on its financial report for December 31, 2024.
• The company's average annual Capital Expenditures growth rate was -16% over the past three years and -27% over the last year.