FirstSun Capital Bancorp is classed by the SEC under National Commercial Banks (industry code 6021), based in Denver, CO. Its latest filed balance sheet (2025-12-31) shows total assets of $8.6 billion (its filed statements).
Lending businessNational Commercial BanksDenver, COfilings since 20178 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.3 out of ten, 8 of 9 metrics filed and 1 estimated: past 5.8 out of ten, present 4.5 out of ten, future 5.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2017. 75th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 8.1 out of ten. +20.1% a year over 7 filed years; profitable in 7 of 7. 81st percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 1.9 out of ten. Share count grew 5.8% a year. 10% of cash flow returned. Insiders: 0 sales, 1 purchases. 20th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 5.3 out of ten. ROE 8%: 8¢ of profit per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar. 53rd percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 4.4 out of ten. bottom 44% of 79 in its family; net margin 20.9%. 44th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 2.8 out of ten. CrossAssetData estimate 2.8/10, confidence 35 of 100 (one part). 28th percentile among 79 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 6.6 out of ten. top 34% of 71 in its family for room to expand. 66th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 5.5 out of ten. top 45% of 79 in its family for growth drivers. 55th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.6 out of ten. bottom 46% of 76 in its family for expectations against reality. 46th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-06 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-10 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-27 (on EDGAR). Newest filing: Form 4, 2026-08-14. Filings on record since 2017. Read from EDGAR 2026-10-12.
Who runs it
Arnold, Neal E (CEO & President); Carter, Mollie H (Executive Chair); Cafera, Robert A (Chief Financial Officer); Frazier, Laura J (Chief Administrative Officer); Norris, Jennifer (Chief Credit Officer); Elving, Beverly O (director); Cohn, Spencer (director); Edelson, Sam (director); Fleshood, John (director); Levy, David W (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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