Summary of FirstSun Capital Bancorp's Extraordinary General Meeting Company Overview - **Company**: FirstSun Capital Bancorp (NasdaqGS: FSUN) - **Meeting Date**: February 27, 2026 - **Type of Meeting**: Extraordinary General Meeting of Stockholders Key Proposals and Votes 1. **FirstSun Merger Proposal** - Proposal to adopt the Agreement and Plan of Merger with First Foundation Inc. - The board recommends a vote in favor of this proposal. - **Outcome**: Approved [12] 2. **FirstSun Authorized Common Increase Proposal** - Proposal to amend the certificate of incorporation to increase the number of authorized shares of FirstSun common stock. - The board recommends a vote in favor of this proposal. - **Outcome**: Approved [12] 3. **FirstSun Non-Voting Common Stock Proposal** - Proposal to create a class of non-voting common stock for issuance to certain First Foundation stockholders in connection with the merger. - The board recommends a vote in favor of this proposal. - **Outcome**: Approved [12] 4. **Adjournment Proposal** - Proposal to adjourn the meeting if necessary to permit further solicitation of proxies for the above proposals. - The board recommends a vote in favor of this proposal, but it became moot as the previous proposals were approved. - **Outcome**: Withdrawn [12] Meeting Procedures and Attendance - **Quorum**: More than 89% of FirstSun's issued and outstanding shares entitled to vote were present, either virtually or by proxy, confirming a quorum [5]. - **Voting Process**: Online voting was open until the polls were closed after the proposals were presented [6][11]. - **Inspector of Election**: Laura Cisneros was appointed to oversee the voting process and certify the results [5]. Additional Information - **Record Date**: January 9, 2026, was set as the record date for determining stockholders entitled to vote [4]. - **Proxy Materials**: Joint proxy statement and notice of the special meeting were mailed starting January 15, 2026 [4]. - **Final Results Filing**: The final voting results will be filed on a Form 8-K with the SEC [13]. Conclusion - The meeting concluded with all key proposals being approved, indicating a positive direction for FirstSun Capital Bancorp and its merger with First Foundation Inc. The leadership expressed appreciation to stockholders for their participation [13].

新华财经天津2月27日电（记者李亭）27日，中国人民银行天津市分行向天津银行、天津农商银行、天 津滨海农商银行合计发放民营企业再贷款资金39.67亿元，撬动民营中小微企业贷款投放96.56亿元，惠 及企业826户。 自中国人民银行设立民营企业再贷款以来，天津积极部署、迅速行动，推动新政策快速落地见效。中国 人民银行天津市分行指导推动地方法人金融机构积极挖掘对接客户，开通绿色通道，提高产品适配度， 畅通政策传导渠道，以高质量金融服务助推民营中小微企业发展。 例如，天津某激光科技有限公司在业务拓展与技术创新过程中面临流动资金紧张、融资成本偏高等问 题。由于该企业属于民营中型企业，此前无法享受小微企业普惠政策优惠。新政策出台后，天津农商银 行迅速响应，组建专业服务团队，以优惠利率为企业发放1000万元流动资金贷款，解决了企业的燃眉之 急，为企业深耕高端制造领域、抢占产业机遇提供金融支撑，此次以信用方式顺利获批民营企业再贷款 资金17亿元。 下一步，中国人民银行天津市分行将继续做好政策宣传和解读工作，积极引导地方法人金融机构用好民 营企业再贷款，推动民营企业再贷款与财政贴息、融资担保等政策协同发力，更好发挥民营企业再 ...

The Dow's 'Citrini Selloff' Is Back. Blame Block.LIVE[Dow Slides as Risk-Off Trade Gathers Pace]Last Updated:---21 min ago# The Dow's 'Citrini Selloff' Is Back. Blame Block.By[Connor Smith]Block's mass layoffs reignited Wall Street's paranoia about artificial intelligence advancements.The Dow fell 588 points, or 1.2%. The S&P 500 was down 0.6%. The Nasdaq Composite was down 0.8%. Among the hardest hit stocks in the Dow were American Express, Goldman Sachs Group, Salesforce, and JPMorgan Chase.Days after the ...

Barclays Gets Splashed By a UK Credit Blowup - Moby THE GIST Barclays just got dragged into an ugly U.K. mortgage finance collapse that is starting to smell like a private credit problem, not a one-off accident. The market’s not pricing in a new crisis, but it is remembering how these movies start. WHAT HAPPENED Barclays shares fell after reports linked the bank to potential losses tied to the collapse of Market Financial Solutions, a London-based specialist mortgage lender that has entered a UK insolven ...

今年1月份，财政部等三部门优化实施个人消费贷款财政贴息政策。在政策支持下，多家银行加大信用 卡分期优惠力度，财政贴息与银行优惠叠加发力，为消费者带来双重实惠。 苏商银行特约研究员薛洪言对《证券日报》记者表示，此次政策首次将信用卡账单分期纳入贴息范围， 年贴息比例为1个百分点，同时延长期限、提高贴息上限、扩容经办机构，直接降低银行资金成本，为 优惠让利提供空间。此外，银行加码优惠也是响应促消费导向、抢抓消费旺季的主动布局，有利于拓展 零售客户、提升分期业务渗透率，更好服务下沉市场与细分消费场景。 贴息加折扣齐上阵 今年1月20日，财政部、中国人民银行、国家金融监督管理总局联合发布《关于优化实施个人消费贷款 财政贴息政策有关事项的通知》，将个人消费贷款财政贴息政策实施期限延长至2026年底。新政发布 后，多家银行迅速响应，密集发布实操细则与答疑指引，将信用卡分期业务纳入贴息范围，确保政策红 利快速落地。 同时，多家银行下调分期手续费率，推出分期利率折扣、限时减免手续费等活动，结合财政贴息政策进 一步减轻消费者分期还款压力。 例如，中国银行推出"分期享钜惠，贴息再加码"活动，该行境内个人信用卡主卡及附属卡持卡人(不 ...

Following the pullback seen in the previous session, stocks are seeing continued weakness during trading on Friday. The major averages have all moved to the downside, with the Dow hitting its lowest intraday level in almost a month.Currently, the major averages are well off their lows of the session but remain firmly negative. The Dow is down 565.35 points or 1.1 percent at 48,933.85, the Nasdaq is down 163.05 points or 0.7 percent at 22,715.33 and the S&P 500 is down 38.61 points or 0.6 percent at 6,870.2 ...

Financial Data and Key Metrics Changes - The company reported distributable earnings of $46.3 million or $0.22 per share for Q4 2025, excluding one-time realized losses of $12.4 million and $7.3 million from reduced tax expenses [23][24] - Total non-performing assets were approximately $1.1 billion, down by over $130 million from the last quarter, representing an 11% reduction [5][25] - The company estimates that non-performing assets are creating a temporary drag of $80 million-$100 million annually, translating to $0.40-$0.48 per share [26] Business Line Data and Key Metrics Changes - The agency platform had a strong fourth quarter with $1.6 billion in origination volume, totaling $5 billion for the year, a 13.5% increase from 2024 [13] - The servicing portfolio grew by 8% in 2025 to over $36 billion, generating predictable annual income of over $128 million [14][30] - The balance sheet lending operation originated $340 million in Q4, closing 2025 at $1.2 billion in production [14] Market Data and Key Metrics Changes - The company is optimistic about reducing REO assets to $250 million-$300 million by the end of 2026, despite adding $100 million-$200 million of REO assets along the way [7][28] - The average yield on the investment portfolio was 7.08% at December 31, 2025, compared to 7.27% at September 30, 2025 [31] - The all-in cost of debt decreased to approximately 6.45% at December 31, 2025, from 6.72% at September 30, 2025 [32] Company Strategy and Development Direction - The company aims to resolve non-performing loans to improve income, estimating an addition of $100 million to annual run rate upon resolution [4][5] - The focus is on legacy assets, with a strategy to reset interest rates on current loans to market spreads to enhance performance [9][10] - The company plans to continue its buyback strategy, having purchased approximately $20 million of stock at an average price of $7.40, or 64% of book value [12] Management's Comments on Operating Environment and Future Outlook - Management believes the company is at the bottom of the cycle and is optimistic about resolving delinquencies and improving income streams [4][21] - The outlook for the interest rate environment has improved, which is expected to support growth in origination volume and returns on capital [21] - Management acknowledges potential headwinds but sees signs of stabilization in property performance and liquidity returning to the market [51] Other Important Information - The company has a large pipeline for 2026, with expectations to produce similar origination volumes as in 2025 [20] - The agency business generates approximately 50% of net revenues, with most income occurring before daily operations begin [14] - The company is closely monitoring the performance of its assets and is prepared to address any new delinquencies as they arise [9][51] Q&A Session Summary Question: How are you thinking about 2026 GSE originations relative to the $5 billion number? - Management indicated that 2026 GSE originations will depend on interest rates and the GSE's cap increase, feeling comfortable targeting similar levels as 2025 [35] Question: Do you expect servicing fee compression to continue into 2026? - Management explained that servicing fee compression is driven by changes in loan products and expects this dynamic to level off towards the end of the year [36][37] Question: Have you seen any credit issues in your build-to-rent borrowers? - Management reported that the SFR book is performing exceptionally well, with no delinquent loans in this category [42][43] Question: Can you provide geographic color on delinquent/REO book weaknesses? - Management noted softness in markets like Houston and Atlanta, primarily due to economic factors and immigration issues [45][46] Question: What are your thoughts on maintaining the dividend in 2026? - Management emphasized the importance of resolving delinquencies quickly to restore earnings and maintain the dividend, with a focus on long-term perspectives [53][55]

【导读】两家银行同日官宣！聘任首席合规官，由行长兼任 2月27日，浙商银行公告称，经该行董事会审议通过，聘任吕临华为该行首席合规官，任期与第七届董 事会任期一致，待其行长任职资格获国家金融监督管理总局核准后生效。 2025年12月31日，浙商银行原行长陈海强因其他工作安排辞任。同日，吕临华被该行董事会聘任为行 长，在其任职资格待监管机构核准前，代为履行相关职务。 简历显示，吕临华，1978年5月出生，浙商银行党委副书记，硕士研究生；曾任原中国保险监督管理委 员会浙江监管局统计研究处处长助理，办公室（党委办公室）主任助理、副主任、主任；原中国银行保 险监督管理委员会浙江监管局政策法规处处长，办公室（党委办公室、党委巡察办公室）主任、一级调 研员；浙江农村商业联合银行党委委员、副行长。 2月27日，兰州银行也发布公告称，经该行董事会审议通过，聘任刘敏兼任该行首席合规官，其任职自 董事会审议通过之日起生效。 简历显示，刘敏，1979年出生，工商管理硕士，现任兰州银行党委副书记、行长；曾任工商银行平凉分 行党委委员、副行长，工商银行甘肃省分行国际业务部（投资银行部）副总经理，工商银行平凉分行党 委书记、行长，工商银行 ...

2月27日晚间，浙商银行和兰州银行均发布公告称，已完成首席合规官的聘任。 两家银行的首席合规官均由行长兼任，这种"高配"凸显出对合规内控管理工作的重视。 两家银行同步补齐首席合规官 【导读】两家银行同日官宣！聘任首席合规官，由行长兼任 2月27日，浙商银行公告称，经该行董事会审议通过，聘任吕临华为该行首席合规官，任期与第七届董 事会任期一致，待其行长任职资格获国家金融监督管理总局核准后生效。 2025年12月31日，浙商银行原行长陈海强因其他工作安排辞任。同日，吕临华被该行董事会聘任为行 长，在其任职资格待监管机构核准前，代为履行相关职务。 简历显示，吕临华，1978年5月出生，浙商银行党委副书记，硕士研究生；曾任原中国保险监督管理委 员会浙江监管局统计研究处处长助理，办公室（党委办公室）主任助理、副主任、主任；原中国银行保 险监督管理委员会浙江监管局政策法规处处长，办公室（党委办公室、党委巡察办公室）主任、一级调 研员；浙江农村商业联合银行党委委员、副行长。 2月27日，兰州银行也发布公告称，经该行董事会审议通过，聘任刘敏兼任该行首席合规官，其任职自 董事会审议通过之日起生效。 简历显示，刘敏，1979年出 ...

在今年存款利率持续下行、大量高息定存集中到期的双重压力下，年初银行揽储呈现出分化态势。一边 是国有大行"按兵不动"，战略性放弃价格战，转而通过资产提升活动争夺客户的综合金融资产；另一边 是城商行、农商行逆势上调存款利率，甚至推出"存款送路费"等花式营销。这一"冷"一"热"的背后，既 是银行业净息差收窄下的现实抉择，也是从"规模扩张"向"财富管理"转型的缩影。 储户：从"抢存单"到"问理财" 春节过后，往往是银行揽储的黄金窗口期，但今年一线从业者感受到的却是另一番景象。华南地区一股 份行理财经理向记者坦言："客户对传统定期存款热情明显下降，更多人开始咨询理财、固收+等替代 产品。"这一微观变化，折射出今年"开门红"的深层转向。 中国人民银行最新发布的金融数据印证了这一趋势：1月住户存款增加2.13万亿元，但与2025年同期相 比，同比少增3.39万亿元；而非银行业金融机构存款则同比多增2.56万亿元。中国银河证券研报进一步 指出，居民存款增速与M2增速差值时隔7年半首次转负，这意味着居民资金正从单纯存款需求向多元资 产配置迁移。 这一现象的背后是存款利率持续下行。有储户对记者展示了2023年的存单——当时三年期 ...