FirstSun Capital Bancorp (NASDAQ: FSUN) is a regional financial holding company based in Denver, Colorado. The company operates primarily through its wholly-owned subsidiary, Sunflower Bank, N.A., which conducts business under the names Sunflower Bank, First National 1870, and Guardian Mortgage. FirstSun's business model is centered on relationship-driven commercial and consumer banking, offering a comprehensive suite of products including deposit accounts, treasury management, wealth management, and lending services.
The company generates revenue primarily through net interest income from its loan and securities portfolios, supplemented by non-interest income from service fees, wealth management, and mortgage operations. Its loan portfolio is diversified across commercial and industrial (C&I), commercial real estate (CRE), and residential mortgages. In April 2026, FirstSun completed a transformative all-stock merger with First Foundation Inc., significantly expanding its scale and geographic reach. The combined entity operates depository branches across ten states—including strong presences in the Southwest, Midwest, and California—and offers mortgage capabilities in 44 states.
FirstSun competes with other regional and national banks by emphasizing personalized service for small to mid-sized businesses, professionals, and individual customers. The integration of First Foundation enhanced its wealth management capabilities and expanded its deposit franchise, positioning the bank for continued growth in its expanded footprint.
