Firstsun Capital Bancorp(FSUN) - 2025 Q2 - Earnings Call Presentation

Financial Performance - Net income for the second quarter of 2025 was $264 million, with diluted earnings per share of $093[16] - The company's return on average assets (ROAA) was 128%, and the pre-tax pre-provision ROAA (PTPP ROAA) was 182% for Q2 2025[16] - Total revenue for Q2 2025 reached $1056 million, a 97% increase compared to Q1[16] - The net interest margin (NIM) remained strong at 407% for Q2 2025[16] - For the first half of 2025, net income was $500 million, with diluted earnings per share of $177[14] - Total revenue for the first half of 2025 was $2018 million, a 63% increase from the same period in 2024[14] Loan and Deposit Trends - Average loan growth was 107% annualized in Q2 2025[16] - Average deposit growth was 183% annualized in Q2 2025[16] - The loan-to-deposit ratio was 916%[16] - Total deposits as of June 30, 2025, were $71 billion[7] - Total loans as of June 30, 2025, were $65 billion[7] Asset Quality - Net charge-offs to average loans were 083% in Q2 2025[16] - Nonperforming loans (NPLs) trended down 30%[55] Capital and Liquidity - The Common Equity Tier 1 (CET1) ratio was 1378%[14] - The company has $35 billion in immediate borrowing availability[64]