Dallas, TX · Cert 4767 · Firstsun Capital Bcorp
National charter · OCC · 102 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.5% share · #21 of 166 inst. · $3.5B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 0.93% | 1.24% | 1.35% | 1.20% | 1.34% | 1.11% | -0.17% | -153 bps | |
| Return on Equity | 10.07% | 7.60% | 10.02% | 10.83% | 9.42% | 10.32% | 8.38% | -1.37% | -1,220 bps | |
| Net Interest Margin | 3.92% | 3.93% | 3.83% | 3.89% | 3.95% | 4.02% | 3.99% | 3.50% | -39 bps | |
| Efficiency Ratio | 62.99% | 70.00% | 62.60% | 62.16% | 61.69% | 61.26% | 65.94% | 78.61% | +1,645 bps | |
| Non-Interest Burden | 2.06% | 2.46% | 1.99% | 1.92% | 1.96% | 1.97% | 2.19% | 2.62% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.97% | 2.80% | 5.61% | 5.48% | 4.37% | 4.80% | 4.25% | 85.83% | +8,034 bps | |
| Loan Growth (YoY) | 4.57% | 1.85% | 3.28% | 3.03% | 3.85% | 5.21% | 8.16% | 77.47% | +7,444 bps | |
| Deposit Growth (YoY) | 6.05% | 5.83% | 6.49% | 7.06% | 6.62% | 5.79% | 2.45% | 87.03% | +7,997 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.02% | 1.08% | 1.21% | 0.88% | 1.05% | 0.91% | 0.85% | 1.63% | +75 bps | |
| Net Charge-Offs / Loans | 0.09% | -0.03% | 0.04% | 0.82% | 0.54% | 0.30% | 0.60% | 1.45% | +63 bps | |
| Allowance / Loans | 1.28% | 1.37% | 1.40% | 1.26% | 1.24% | 1.26% | 1.17% | 1.48% | +22 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.2x | 1.4x | 1.2x | 1.4x | 1.4x | 0.9x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.50% | 11.69% | 12.08% | 12.03% | 12.12% | 12.38% | 12.70% | 10.27% | -176 bps | |
| Total Risk-Based Capital | 13.72% | 13.94% | 14.09% | 14.53% | 14.57% | 14.85% | 14.48% | 13.69% | -84 bps | |
| Equity / Assets | 12.14% | 12.33% | 12.50% | 12.53% | 12.84% | 13.11% | 13.27% | 12.32% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.38% | 94.93% | 93.83% | 91.57% | 93.88% | 94.42% | 99.07% | 86.89% | -468 bps | |
| Liquid Assets / Assets | 6.53% | 7.20% | 7.04% | 8.80% | 7.48% | 7.50% | 4.49% | 6.03% | -277 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 201% | 196.77% | 197.07% | n/a | n/a | |