FirstSun Capital Bancorp 2024年度报告

☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year endedDecember31, 2024OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number333-258176__________________________________ FIRSTSUN CAPITAL BANCORP (Exact name of registrant as specified in its charter)__________________________________ 81-4552413 1400 16th Street,Suite 250Denver,Colorado80202(303)831-6704 (Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)__________________________________ Securities registered pursuant to Section 12(b) of the Act: Name of each exchangeon which registered Nasdaq Global Select Market Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes☐No☒ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Act. Yes☐No☒ Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports),and (2) has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theRegistrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company” and “emerging growth company” in Rule12b-2 of the Exchange Act. Accelerated filer☒Smaller reporting company☐Emerging growth company☒ Large accelerated filer☐Non-accelerated filer☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section13(a) of the Securities Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectivenessof its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registeredpublic accounting firm that prepared or issued its audit report.☐ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of theregistrant included in the filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-basedcompensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act): Yes☐No☒ As of June 30, 2024, the last business day of the registrant’s most recently completed second fiscal quarter, the aggregate market valueof the registrant’s voting and non-voting common equity held by non-affiliates of the registrant was $367.3million. As of March6, 2025, there were approximately27,753,918shares of the registrant’s common stock, $0.0001 par value, outstanding. DOCUMENTS INCORPORATED BY REFERENCE Portions of the Proxy Statement (the “2025 Proxy Statement”) for the 2025 Annual Meeting of Shareholders to be held on May7,2025, are incorporated by reference into Part III of this Annual Report on Form 10-K. Table of Contents Cautionary Note Regarding Forward-Looking Statements3Summary of Material Risks5Part I7Item 1. Business7Item 1A. Risk Factors27Item 1B. Unresolved Staff Comments52Item 1C. Cybersecurity52Item 2. Properties54Item 3. Legal Proceedings54Item 4. Mine Safety Disclosures54Part II55Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities55Item 6. [Reserved]56Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations56Item 7A. Quantitative and Qualitative Disclosures About Market Risk79Item 8. Financial Statements and Supplementary Data80Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosures144Item 9A. Controls and Procedures144Item 9B. Other Information145Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspection145Part III146Item 10. Directors, Executive Officers and