{"url_path":"/sec/fsun/10-q/2026/cover-page","section_key":"cover-page","section_title":"Cover Page","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-08","source_url":"https://www.sec.gov/Archives/edgar/data/1709442/0001709442-26-000029-index.html","accession_number":"0001709442-26-000029","cik":"0001709442","ticker":"FSUN","issuer_name":"FIRSTSUN CAPITAL BANCORP","edgar_url":"https://www.sec.gov/Archives/edgar/data/1709442/0001709442-26-000029-index.html","primary_entity_key":"0001709442","primary_entity_name":"FIRSTSUN CAPITAL BANCORP"},"word_count":1834,"has_tables":true,"body_markdown":"fcb-20260331\n00017094422026Q1FALSE12/31xbrli:sharesiso4217:USDiso4217:USDxbrli:sharesfcb:securityxbrli:purefcb:uSDPerLoanfcb:transactionfcb:companyfcb:segment00017094422026-01-012026-03-310001709442fcb:VotingCommonStockMember2026-05-070001709442us-gaap:NonvotingCommonStockMember2026-05-0700017094422026-03-3100017094422025-12-310001709442fcb:VotingCommonStockMember2026-03-310001709442fcb:VotingCommonStockMember2025-12-310001709442us-gaap:NonvotingCommonStockMember2026-03-310001709442us-gaap:NonvotingCommonStockMember2025-12-3100017094422025-01-012025-03-310001709442us-gaap:CommonStockMember2025-12-310001709442us-gaap:AdditionalPaidInCapitalMember2025-12-310001709442us-gaap:RetainedEarningsMember2025-12-310001709442us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-12-310001709442us-gaap:RetainedEarningsMember2026-01-012026-03-310001709442us-gaap:AccumulatedOtherComprehensiveIncomeMember2026-01-012026-03-310001709442us-gaap:AdditionalPaidInCapitalMember2026-01-012026-03-310001709442us-gaap:CommonStockMember2026-01-012026-03-310001709442us-gaap:CommonStockMember2026-03-310001709442us-gaap:AdditionalPaidInCapitalMember2026-03-310001709442us-gaap:RetainedEarningsMember2026-03-310001709442us-gaap:AccumulatedOtherComprehensiveIncomeMember2026-03-310001709442us-gaap:CommonStockMember2024-12-310001709442us-gaap:AdditionalPaidInCapitalMember2024-12-310001709442us-gaap:RetainedEarningsMember2024-12-310001709442us-gaap:AccumulatedOtherComprehensiveIncomeMember2024-12-3100017094422024-12-310001709442us-gaap:RetainedEarningsMember2025-01-012025-03-310001709442us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-01-012025-03-310001709442us-gaap:AdditionalPaidInCapitalMember2025-01-012025-03-310001709442us-gaap:CommonStockMember2025-01-012025-03-310001709442us-gaap:CommonStockMember2025-03-310001709442us-gaap:AdditionalPaidInCapitalMember2025-03-310001709442us-gaap:RetainedEarningsMember2025-03-310001709442us-gaap:AccumulatedOtherComprehensiveIncomeMember2025-03-3100017094422025-03-310001709442fcb:FirstFoundationMemberus-gaap:SubsequentEventMember2026-04-012026-04-010001709442fcb:FirstFoundationMemberfcb:VotingCommonStockMemberus-gaap:SubsequentEventMember2026-04-012026-04-010001709442fcb:FirstFoundationMemberus-gaap:NonvotingCommonStockMemberus-gaap:SubsequentEventMember2026-04-012026-04-010001709442fcb:FirstFoundationMember2026-03-310001709442fcb:FirstFoundationMemberfcb:RestrictedStockAwardMemberus-gaap:SubsequentEventMember2026-04-012026-04-010001709442us-gaap:USTreasurySecuritiesMember2026-03-310001709442us-gaap:USGovernmentAgenciesDebtSecuritiesMember2026-03-310001709442us-gaap:USStatesAndPoliticalSubdivisionsMember2026-03-310001709442us-gaap:ResidentialMortgageBackedSecuritiesMember2026-03-310001709442us-gaap:CollateralizedMortgageObligationsMember2026-03-310001709442us-gaap:CommercialMortgageBackedSecuritiesMember2026-03-310001709442us-gaap:OtherDebtSecuritiesMember2026-03-310001709442us-gaap:USTreasurySecuritiesMember2025-12-310001709442us-gaap:USGovernmentAgenciesDebtSecuritiesMember2025-12-310001709442us-gaap:USStatesAndPoliticalSubdivisionsMember2025-12-310001709442us-gaap:ResidentialMortgageBackedSecuritiesMember2025-12-310001709442us-gaap:CollateralizedMortgageObligationsMember2025-12-310001709442us-gaap:CommercialMortgageBackedSecuritiesMember2025-12-310001709442us-gaap:OtherDebtSecuritiesMember2025-12-310001709442us-gaap:AssetPledgedAsCollateralWithoutRightMember2026-03-310001709442us-gaap:AssetPledgedAsCollateralWithoutRightMember2025-12-310001709442us-gaap:DebtSecuritiesMember2026-03-310001709442us-gaap:DebtSecuritiesMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMember2025-12-310001709442us-gaap:FinanceLeasesPortfolioSegmentMember2026-03-310001709442us-gaap:FinanceLeasesPortfolioSegmentMember2025-12-310001709442us-gaap:ConsumerPortfolioSegmentMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMember2025-12-310001709442us-gaap:UnallocatedFinancingReceivablesMember2026-03-310001709442us-gaap:UnallocatedFinancingReceivablesMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMember2026-01-012026-03-310001709442us-gaap:FinanceLeasesPortfolioSegmentMember2026-01-012026-03-310001709442us-gaap:ConsumerPortfolioSegmentMember2026-01-012026-03-310001709442us-gaap:UnallocatedFinancingReceivablesMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMember2024-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMember2024-12-310001709442us-gaap:ResidentialPortfolioSegmentMember2024-12-310001709442us-gaap:FinanceLeasesPortfolioSegmentMember2024-12-310001709442us-gaap:ConsumerPortfolioSegmentMember2024-12-310001709442us-gaap:UnallocatedFinancingReceivablesMember2024-12-310001709442us-gaap:CommercialPortfolioSegmentMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMember2025-01-012025-03-310001709442us-gaap:FinanceLeasesPortfolioSegmentMember2025-01-012025-03-310001709442us-gaap:ConsumerPortfolioSegmentMember2025-01-012025-03-310001709442us-gaap:UnallocatedFinancingReceivablesMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMember2025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMember2025-03-310001709442us-gaap:ResidentialPortfolioSegmentMember2025-03-310001709442us-gaap:FinanceLeasesPortfolioSegmentMember2025-03-310001709442us-gaap:ConsumerPortfolioSegmentMember2025-03-310001709442us-gaap:UnallocatedFinancingReceivablesMember2025-03-310001709442us-gaap:UnfundedLoanCommitmentMember2026-03-310001709442us-gaap:UnfundedLoanCommitmentMember2025-12-310001709442us-gaap:UnfundedLoanCommitmentMember2026-01-012026-03-310001709442us-gaap:UnfundedLoanCommitmentMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMembersrt:MultifamilyMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMembersrt:MultifamilyMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMembersrt:MultifamilyMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMembersrt:MultifamilyMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:FinancialAssetNotPastDueMember2026-03-310001709442us-gaap:FinancingReceivables30To59DaysPastDueMember2026-03-310001709442us-gaap:FinancingReceivables60To89DaysPastDueMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMembersrt:MultifamilyMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMembersrt:MultifamilyMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMembersrt:MultifamilyMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMembersrt:MultifamilyMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:FinancialAssetNotPastDueMember2025-12-310001709442us-gaap:FinancingReceivables30To59DaysPastDueMember2025-12-310001709442us-gaap:FinancingReceivables60To89DaysPastDueMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberfcb:PassWatchMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberfcb:SubstandardNonaccrualMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:PassMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberfcb:PassWatchMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:SpecialMentionMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:SubstandardMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberfcb:SubstandardNonaccrualMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:PassMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberfcb:PassWatchMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:SpecialMentionMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:SubstandardMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberfcb:SubstandardNonaccrualMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:PassMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberfcb:PassWatchMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:SpecialMentionMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberfcb:SubstandardNonaccrualMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMemberus-gaap:PassMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMemberus-gaap:SpecialMentionMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMemberus-gaap:SubstandardMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PassMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:PassWatchMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SpecialMentionMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:SubstandardNonaccrualMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PassMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberfcb:PassWatchMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SpecialMentionMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberfcb:SubstandardNonaccrualMember2026-03-310001709442us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:PassMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:PassMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMemberfcb:PassWatchMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:SpecialMentionMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMemberfcb:SubstandardNonaccrualMember2026-03-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:PassMember2026-03-310001709442us-gaap:UnallocatedFinancingReceivablesMemberfcb:PassWatchMember2026-03-310001709442us-gaap:PassMember2026-03-310001709442fcb:PassWatchMember2026-03-310001709442us-gaap:SpecialMentionMember2026-03-310001709442us-gaap:SubstandardMember2026-03-310001709442fcb:SubstandardNonaccrualMember2026-03-310001709442us-gaap:DoubtfulMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberfcb:PassWatchMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberfcb:SubstandardNonaccrualMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:DoubtfulMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMember2025-01-012025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:PassMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberfcb:PassWatchMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:SpecialMentionMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:SubstandardMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberfcb:SubstandardNonaccrualMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMember2025-01-012025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:PassMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberfcb:PassWatchMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:SpecialMentionMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:SubstandardMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberfcb:SubstandardNonaccrualMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMember2025-01-012025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:PassMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberfcb:PassWatchMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:SpecialMentionMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2025-01-012025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMemberus-gaap:PassMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMemberfcb:PassWatchMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMemberus-gaap:SpecialMentionMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:MultifamilyLoansMember2025-01-012025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PassMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:PassWatchMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:SubstandardNonaccrualMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMember2025-01-012025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PassMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberfcb:PassWatchMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SpecialMentionMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberfcb:SubstandardNonaccrualMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMember2025-01-012025-12-310001709442us-gaap:FinanceLeasesPortfolioSegmentMemberus-gaap:PassMember2025-12-310001709442us-gaap:FinanceLeasesPortfolioSegmentMember2025-01-012025-12-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:PassMember2025-12-310001709442us-gaap:ConsumerPortfolioSegmentMemberfcb:PassWatchMember2025-12-310001709442us-gaap:ConsumerPortfolioSegmentMemberfcb:SubstandardNonaccrualMember2025-12-310001709442us-gaap:ConsumerPortfolioSegmentMember2025-01-012025-12-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:PassMember2025-12-310001709442us-gaap:UnallocatedFinancingReceivablesMemberfcb:PassWatchMember2025-12-310001709442us-gaap:UnallocatedFinancingReceivablesMember2025-01-012025-12-310001709442us-gaap:PassMember2025-12-310001709442fcb:PassWatchMember2025-12-310001709442us-gaap:SpecialMentionMember2025-12-310001709442us-gaap:SubstandardMember2025-12-310001709442fcb:SubstandardNonaccrualMember2025-12-310001709442us-gaap:DoubtfulMember2025-12-3100017094422025-01-012025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:CollateralPledgedMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:CollateralPledgedMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:CollateralPledgedMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:CollateralPledgedMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:CollateralPledgedMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:CollateralPledgedMember2026-03-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:CollateralPledgedMember2026-03-310001709442us-gaap:CollateralPledgedMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:CollateralPledgedMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:CollateralPledgedMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:CollateralPledgedMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:CollateralPledgedMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:CollateralPledgedMember2025-12-310001709442us-gaap:ConsumerPortfolioSegmentMemberus-gaap:CollateralPledgedMember2025-12-310001709442us-gaap:CollateralPledgedMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityAndInterestRateReductionMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:PaymentDeferralMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:ExtendedMaturityMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:ContractualInterestRateReductionMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:ExtendedMaturityAndInterestRateReductionMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityAndInterestRateReductionMember2026-01-012026-03-310001709442us-gaap:PaymentDeferralMember2026-01-012026-03-310001709442us-gaap:ExtendedMaturityMember2026-01-012026-03-310001709442us-gaap:ContractualInterestRateReductionMember2026-01-012026-03-310001709442us-gaap:ExtendedMaturityAndInterestRateReductionMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:ExtendedMaturityAndInterestRateReductionMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:PaymentDeferralMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:ExtendedMaturityMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMemberus-gaap:ExtendedMaturityAndInterestRateReductionMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:OwnerOccupiedLoansMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PaymentDeferralMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ContractualInterestRateReductionMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:ExtendedMaturityAndInterestRateReductionMember2025-01-012025-03-310001709442us-gaap:PaymentDeferralMember2025-01-012025-03-310001709442us-gaap:ExtendedMaturityMember2025-01-012025-03-310001709442us-gaap:ContractualInterestRateReductionMember2025-01-012025-03-310001709442us-gaap:ExtendedMaturityAndInterestRateReductionMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberfcb:FinancialAssetNonaccrualMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancialAssetNotPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberfcb:FinancialAssetNonaccrualMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancialAssetNotPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberfcb:FinancialAssetNonaccrualMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-01-012026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:FinancialAssetNonaccrualMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-01-012026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberfcb:FinancialAssetNonaccrualMember2026-01-012026-03-310001709442us-gaap:FinancialAssetNotPastDueMember2026-01-012026-03-310001709442us-gaap:FinancingReceivables30To59DaysPastDueMember2026-01-012026-03-310001709442us-gaap:FinancingReceivables60To89DaysPastDueMember2026-01-012026-03-310001709442us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2026-01-012026-03-310001709442fcb:FinancialAssetNonaccrualMember2026-01-012026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialPortfolioSegmentMemberfcb:FinancialAssetNonaccrualMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMemberfcb:FinancialAssetNonaccrualMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:NonOwnerOccupiedLoansMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancialAssetNotPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMemberfcb:FinancialAssetNonaccrualMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstateMemberfcb:OwnerOccupiedLoansMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-01-012025-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberfcb:FinancialAssetNonaccrualMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-01-012025-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberfcb:FinancialAssetNonaccrualMember2025-01-012025-03-310001709442us-gaap:FinancialAssetNotPastDueMember2025-01-012025-03-310001709442us-gaap:FinancingReceivables30To59DaysPastDueMember2025-01-012025-03-310001709442us-gaap:FinancingReceivables60To89DaysPastDueMember2025-01-012025-03-310001709442us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2025-01-012025-03-310001709442fcb:FinancialAssetNonaccrualMember2025-01-012025-03-310001709442us-gaap:FederalNationalMortgageAssociationFnmaInsuredLoansMember2026-03-310001709442us-gaap:FederalNationalMortgageAssociationFnmaInsuredLoansMember2025-12-310001709442us-gaap:FederalHomeLoanMortgageCorporationFhlmcInsuredLoansMember2026-03-310001709442us-gaap:FederalHomeLoanMortgageCorporationFhlmcInsuredLoansMember2025-12-310001709442us-gaap:GovernmentNationalMortgageAssociationGnmaInsuredLoansMember2026-03-310001709442us-gaap:GovernmentNationalMortgageAssociationGnmaInsuredLoansMember2025-12-310001709442fcb:FederalHomeLoanBankMember2026-03-310001709442fcb:FederalHomeLoanBankMember2025-12-310001709442fcb:OtherGovernmentAuthoritiesMember2026-03-310001709442fcb:OtherGovernmentAuthoritiesMember2025-12-310001709442us-gaap:InterestRateContractMemberus-gaap:DesignatedAsHedgingInstrumentMember2026-03-310001709442us-gaap:InterestRateContractMemberus-gaap:NondesignatedMember2026-03-310001709442fcb:OtherDerivativeFinancialInstrumentsMemberus-gaap:NondesignatedMember2026-03-310001709442us-gaap:InterestRateContractMemberus-gaap:DesignatedAsHedgingInstrumentMember2025-12-310001709442us-gaap:InterestRateContractMemberus-gaap:NondesignatedMember2025-12-310001709442fcb:OtherDerivativeFinancialInstrumentsMemberus-gaap:NondesignatedMember2025-12-310001709442fcb:BankingDerivativeAssetsMember2026-01-012026-03-310001709442fcb:BankingDerivativeAssetsMember2025-01-012025-03-310001709442fcb:BankingDerivativeLiabilityMember2026-01-012026-03-310001709442fcb:BankingDerivativeLiabilityMember2025-01-012025-03-310001709442us-gaap:NondesignatedMember2026-01-012026-03-310001709442us-gaap:NondesignatedMember2025-01-012025-03-310001709442us-gaap:LoansReceivableMember2026-03-310001709442us-gaap:LoansReceivableMember2025-12-310001709442us-gaap:LoansReceivableMember2026-01-012026-03-310001709442us-gaap:LoansReceivableMember2025-01-012025-03-310001709442us-gaap:DebtSecuritiesMember2026-01-012026-03-310001709442us-gaap:DebtSecuritiesMember2025-01-012025-03-310001709442fcb:ForwardMBSTradesMember2026-03-310001709442us-gaap:InterestRateContractMember2026-03-310001709442us-gaap:FutureMember2026-03-310001709442us-gaap:InterestRateContractMember2025-12-310001709442fcb:ForwardMBSTradesMember2025-12-310001709442us-gaap:FutureMember2025-12-310001709442fcb:MortgageBankingDerivativeAssetMember2026-01-012026-03-310001709442fcb:MortgageBankingDerivativeAssetMember2025-01-012025-03-310001709442fcb:MortgageBankingDerivativeLiabilityMember2026-01-012026-03-310001709442fcb:MortgageBankingDerivativeLiabilityMember2025-01-012025-03-310001709442fcb:FederalHomeLoanBankAdvancesFixedRateMemberus-gaap:FederalHomeLoanBankAdvancesMember2026-03-310001709442fcb:FederalHomeLoanBankAdvancesFixedRateMemberus-gaap:FederalHomeLoanBankAdvancesMember2025-12-310001709442us-gaap:LineOfCreditMemberus-gaap:FederalReserveBankAdvancesMember2026-03-310001709442us-gaap:LineOfCreditMemberus-gaap:FederalReserveBankAdvancesMemberus-gaap:FederalFundsEffectiveSwapRateMember2026-01-012026-03-310001709442us-gaap:LineOfCreditMemberfcb:OtherFinancialInstitutionsMember2026-03-310001709442fcb:SubordinatedNotesDueJanuary152032Memberus-gaap:SubordinatedDebtMember2022-01-130001709442us-gaap:SecuredOvernightFinancingRateSofrMemberfcb:SubordinatedNotesDueJanuary152032Memberus-gaap:SubordinatedDebtMember2022-01-132022-01-130001709442fcb:SubordinatedNotesDueJanuary152032Memberus-gaap:SubordinatedDebtMember2022-01-132022-01-130001709442fcb:NewMexicoBanquestCapitalTrustINMBCTIMemberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2026-03-310001709442fcb:NewMexicoBanquestCapitalTrustIINMBCTIIMemberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2026-03-310001709442fcb:LondonInterbankOfferedRateMemberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberfcb:NewMexicoBanquestCapitalTrustINMBCTIMember2026-01-012026-03-310001709442fcb:LondonInterbankOfferedRateMemberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberfcb:NewMexicoBanquestCapitalTrustINMBCTIMember2026-03-310001709442fcb:LondonInterbankOfferedRateMemberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberfcb:NewMexicoBanquestCapitalTrustINMBCTIMember2025-03-310001709442fcb:LondonInterbankOfferedRateMemberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberfcb:NewMexicoBanquestCapitalTrustIINMBCTIIMember2026-01-012026-03-310001709442fcb:LondonInterbankOfferedRateMemberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberfcb:NewMexicoBanquestCapitalTrustIINMBCTIIMember2026-03-310001709442fcb:LondonInterbankOfferedRateMemberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberfcb:NewMexicoBanquestCapitalTrustIINMBCTIIMember2025-03-310001709442fcb:SubordinatedDebtRelatedToTrustPreferredSecuritiesMemberus-gaap:SubordinatedDebtMember2026-03-310001709442srt:SubsidiariesMember2026-01-012026-03-310001709442srt:SubsidiariesMember2025-01-012025-03-310001709442fcb:FirstSunCapitalBancorp2017EquityIncentivePlanMember2026-03-310001709442us-gaap:EmployeeStockOptionMemberus-gaap:ShareBasedCompensationAwardTrancheOneMember2026-01-012026-03-310001709442us-gaap:EmployeeStockOptionMemberus-gaap:ShareBasedCompensationAwardTrancheThreeMember2026-01-012026-03-310001709442us-gaap:EmployeeStockOptionMemberfcb:ShareBasedCompensationAwardTrancheFourMember2026-01-012026-03-310001709442us-gaap:EmployeeStockOptionMemberus-gaap:ShareBasedCompensationAwardTrancheTwoMember2026-01-012026-03-310001709442us-gaap:EmployeeStockOptionMember2026-01-012026-03-310001709442srt:MinimumMemberus-gaap:EmployeeStockOptionMember2026-01-012026-03-310001709442srt:MaximumMemberus-gaap:EmployeeStockOptionMember2026-01-012026-03-310001709442fcb:FirstSunCapitalBancorp2017EquityIncentivePlanMember2025-03-310001709442fcb:FirstSunCapitalBancorp2021EquityIncentivePlanMember2021-12-310001709442us-gaap:RestrictedStockMember2025-12-310001709442us-gaap:RestrictedStockMember2026-01-012026-03-310001709442us-gaap:RestrictedStockMember2026-03-310001709442us-gaap:RestrictedStockMember2024-12-310001709442us-gaap:RestrictedStockMember2025-01-012025-03-310001709442us-gaap:RestrictedStockMember2025-03-310001709442us-gaap:RestrictedStockMemberfcb:April2025Member2026-03-310001709442us-gaap:RestrictedStockMemberfcb:April2025Member2026-01-012026-03-310001709442us-gaap:PerformanceSharesMemberfcb:April2024Member2026-03-310001709442us-gaap:PerformanceSharesMemberfcb:April2024Member2026-01-012026-03-310001709442us-gaap:PerformanceSharesMemberfcb:April2023Member2026-03-310001709442us-gaap:PerformanceSharesMemberfcb:April2023Member2026-01-012026-03-310001709442us-gaap:PerformanceSharesMember2025-12-310001709442us-gaap:PerformanceSharesMember2026-01-012026-03-310001709442us-gaap:PerformanceSharesMember2026-03-310001709442us-gaap:PerformanceSharesMember2025-03-310001709442us-gaap:PerformanceSharesMember2025-01-012025-03-310001709442fcb:PioneersOptionPlansMember2026-03-310001709442fcb:PioneersOptionPlansMember2026-01-012026-03-310001709442fcb:PioneersOptionPlansMember2025-03-310001709442fcb:PioneersOptionPlansMember2025-01-012025-03-310001709442fcb:FirstSunCapitalBancorp2017And2021EquityIncentivePlanMember2026-01-012026-03-310001709442fcb:FirstSunCapitalBancorp2017And2021EquityIncentivePlanMember2025-01-012025-03-310001709442srt:ParentCompanyMember2026-03-310001709442srt:ParentCompanyMember2025-12-310001709442srt:SubsidiariesMember2026-03-310001709442srt:SubsidiariesMember2025-12-310001709442us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2026-03-310001709442us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2026-03-310001709442us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2026-03-310001709442us-gaap:FairValueMeasurementsRecurringMember2026-03-310001709442us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2025-12-310001709442us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2025-12-310001709442us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2025-12-310001709442us-gaap:FairValueMeasurementsRecurringMember2025-12-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2026-03-310001709442us-gaap:CommercialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2025-12-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2026-03-310001709442us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2025-12-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2026-03-310001709442us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2025-12-310001709442us-gaap:FairValueMeasurementsNonrecurringMember2026-03-310001709442us-gaap:FairValueMeasurementsNonrecurringMember2025-12-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:FairValueMeasurementsNonrecurringMember2026-03-310001709442us-gaap:UnallocatedFinancingReceivablesMemberus-gaap:FairValueMeasurementsNonrecurringMember2025-12-310001709442us-gaap:CarryingReportedAmountFairValueDisclosureMember2026-03-310001709442us-gaap:EstimateOfFairValueFairValueDisclosureMember2026-03-310001709442us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2026-03-310001709442us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2026-03-310001709442us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Member2026-03-310001709442us-gaap:CarryingReportedAmountFairValueDisclosureMember2025-12-310001709442us-gaap:EstimateOfFairValueFairValueDisclosureMember2025-12-310001709442us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2025-12-310001709442us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2025-12-310001709442us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel3Member2025-12-310001709442us-gaap:OperatingSegmentsMemberfcb:BankingSegmentMember2026-01-012026-03-310001709442us-gaap:OperatingSegmentsMemberfcb:MortgageOperationsSegmentMember2026-01-012026-03-310001709442us-gaap:CorporateNonSegmentMember2026-01-012026-03-310001709442us-gaap:OperatingSegmentsMemberfcb:BankingSegmentMember2026-03-310001709442us-gaap:OperatingSegmentsMemberfcb:MortgageOperationsSegmentMember2026-03-310001709442us-gaap:CorporateNonSegmentMember2026-03-310001709442us-gaap:OperatingSegmentsMemberfcb:BankingSegmentMember2025-01-012025-03-310001709442us-gaap:OperatingSegmentsMemberfcb:MortgageOperationsSegmentMember2025-01-012025-03-310001709442us-gaap:CorporateNonSegmentMember2025-01-012025-03-310001709442us-gaap:OperatingSegmentsMemberfcb:BankingSegmentMember2025-03-310001709442us-gaap:OperatingSegmentsMemberfcb:MortgageOperationsSegmentMember2025-03-310001709442us-gaap:CorporateNonSegmentMember2025-03-310001709442srt:MinimumMember2025-12-310001709442srt:MinimumMember2026-03-310001709442srt:MaximumMember2026-03-310001709442srt:MaximumMember2025-12-310001709442srt:MinimumMember2026-01-012026-03-310001709442srt:MaximumMember2026-01-012026-03-310001709442srt:MinimumMember2025-01-012025-12-310001709442srt:MaximumMember2025-01-012025-12-310001709442us-gaap:StandbyLettersOfCreditMember2026-03-310001709442us-gaap:StandbyLettersOfCreditMember2025-12-31\n\nUNITED STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\n__________________________________\n\nFORM 10-Q\n\n__________________________________\n\n☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the quarterly period ended March 31, 2026\n\nOR\n\n☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nCommission File Number 001-42175\n\n__________________________________\n\nFIRSTSUN CAPITAL BANCORP\n\n(Exact name of registrant as specified in its charter)\n\n__________________________________\n\nDelaware81-4552413\n\n(State or other jurisdiction of\n\nincorporation or organization)\n\n(I.R.S. Employer\n\nIdentification Number)\n\n1400 16th Street, Suite 250\n\nDenver, Colorado 80202\n\n(303) 831-6704\n\n(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)\n\n__________________________________\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\nTitle of each classTrading Symbol(s)Name of each exchange\n on which registered\n\nVoting Common Stock,\n$0.0001 Par ValueFSUN\nNasdaq Global\n\nSelect Market\n\nIndicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange 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 ☐\n\nIndicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the Registrant was required to submit such files). Yes ☒ No ☐\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\nLarge accelerated filer☐Accelerated filer☒\n\nNon-accelerated filer☐Smaller reporting company☐\n\nEmerging growth company☒\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act): Yes ☐ No ☒\n\nAs of May 7, 2026, there were approximately 44,123,875 shares of voting common stock outstanding and 2,612,830 shares of non-voting common stock outstanding.\n\n1\n\nTable of Contents\n\nPage\n\n[Cautionary Note Regarding Forward-Looking Statements](#i27393e483d96463a92c781b546097ffd_247)\n\n[3](#i27393e483d96463a92c781b546097ffd_247)\n\n[Part I - Financial Information (Unaudited)](#i27393e483d96463a92c781b546097ffd_250)\n\n[5](#i27393e483d96463a92c781b546097ffd_250)\n\n[Item 1. Financial Statements](#i27393e483d96463a92c781b546097ffd_253)\n\n[5](#i27393e483d96463a92c781b546097ffd_253)\n\n[Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](#i27393e483d96463a92c781b546097ffd_331)\n\n[47](#i27393e483d96463a92c781b546097ffd_331)\n\n[Item 3. Quantitative and Qualitative Disclosures About Market Risk](#i27393e483d96463a92c781b546097ffd_361)\n\n[69](#i27393e483d96463a92c781b546097ffd_361)\n\n[Item 4. Controls and Procedures](#i27393e483d96463a92c781b546097ffd_364)\n\n[70](#i27393e483d96463a92c781b546097ffd_364)\n\n[Part II - Other Information](#i27393e483d96463a92c781b546097ffd_367)\n\n[71](#i27393e483d96463a92c781b546097ffd_367)\n\n[Item 1. Legal Proceedings](#i27393e483d96463a92c781b546097ffd_370)\n\n[71](#i27393e483d96463a92c781b546097ffd_370)\n\n[Item 1A. Risk Factors](#i27393e483d96463a92c781b546097ffd_373)\n\n[71](#i27393e483d96463a92c781b546097ffd_373)\n\n[Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](#i27393e483d96463a92c781b546097ffd_376)\n\n[71](#i27393e483d96463a92c781b546097ffd_376)\n\n[Item 3. Defaults Upon Senior Securities](#i27393e483d96463a92c781b546097ffd_379)\n\n[71](#i27393e483d96463a92c781b546097ffd_379)\n\n[Item 4. Mine Safety Disclosures](#i27393e483d96463a92c781b546097ffd_382)\n\n[71](#i27393e483d96463a92c781b546097ffd_382)\n\n[Item 5. Other Information](#i27393e483d96463a92c781b546097ffd_385)\n\n[71](#i27393e483d96463a92c781b546097ffd_385)\n\n[Item 6. Exhibits](#i27393e483d96463a92c781b546097ffd_388)\n\n[72](#i27393e483d96463a92c781b546097ffd_388)\n\n[Signatures](#i27393e483d96463a92c781b546097ffd_391)\n\n[73](#i27393e483d96463a92c781b546097ffd_391)\n\n2\n\nIn this Quarterly Report on Form 10-Q, except as otherwise indicated or the context suggests otherwise, references to “FirstSun” refer to FirstSun Capital Bancorp, and the terms “the Company,” “we,” “us,” and “our” refer to FirstSun and its direct and indirect subsidiaries, including Sunflower Bank, N.A., which we refer to as the “Bank.”\n\nCAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS\n\nThis Quarterly Report on Form 10-Q contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements reflect our current views with respect to, among other things, statements regarding our merger with First Foundation Inc. (“First Foundation”), statements relating to our assets, business, cash flows, condition (financial or otherwise), the impact of changes to our key mortgage servicing right valuation assumptions, credit quality, financial performance, liquidity, short and long-term performance goals, prospects, results of operations, strategic initiatives, the benefits, cost and synergies of completed acquisitions or dispositions, and the timing, benefits, costs and synergies of future acquisitions, dispositions and other growth opportunities. They are not statements of historical or current fact nor are they assurances of future performance, and they generally can be identified by the use of forward-looking terminology, such as “believe,” “expect,” “anticipate,” “intend,” “target,” “estimate,” “continue,” “positions,” “plan,” “predict,” “project,” “forecast,” “guidance,” “goal,” “objective,” “prospects,” “possible,” or “potential,” by future conditional verbs such as “assume,” “will,” “would,” “should,” “could,” or “may,” or by variations of such words or by similar expressions. These forward-looking statements are subject to numerous assumptions, risks and uncertainties, which change over time, are difficult to predict and are generally beyond our control and should be viewed with caution.\n\nThere are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following:\n\n•changes in market interest rates and their related impacts on macroeconomic conditions, customer and client behavior, our funding costs, and our loan and securities portfolios;\n\n•changes in the monetary and fiscal policies of the Federal Reserve, and uncertainty concerning interest rates, government shutdowns, debt ceilings or funding for the government, and tariffs and trade policies, can cause volatility in financial markets and could adversely affect our business, financial condition and results of operations;\n\n•the potential effects of events beyond our control that may have a destabilizing effect on financial markets, economic growth, customer and client behavior and the economy in general, such as an increase in unemployment levels, inflation and recessions, U.S. and global trade policies and tensions, including changes in, or the imposition of, tariffs and/or trade barriers, epidemics and pandemics, terrorist activities, wars and other foreign conflicts, essential utility outages, climate change, deterioration in the global economy, instability in the credit markets, disruptions in our customers’ supply chains or disruption in transportation;\n\n•ongoing geopolitical conflicts, including hostilities involving Iran and the Middle East, which may contribute to volatility in energy prices, inflation, financial markets, cybersecurity threats, and broader macroeconomic conditions, any of which could adversely affect our borrowers, deposit base, liquidity, capital and results of operations;\n\n•the possibility that the anticipated benefits of the First Foundation acquisition, including anticipated cost savings and strategic gains, are not realized when expected or at all;\n\n•the integration of the businesses and operations of the Company and First Foundation may take longer than anticipated or be more costly than anticipated or have unanticipated adverse results relating to the combined company’s business;\n\n•the execution of the planned balance sheet repositioning related to the First Foundation acquisition may be more difficult, costly or time consuming than expected and we may fail to realize the anticipated benefits;\n\n•the diversion of management’s attention from ongoing business operations and opportunities due to the First Foundation acquisition;\n\n•the effects of changes in legislation, regulation, policies or administrative practices, whether by judicial, governmental or legislative action and other changes pertaining to banking, securities, taxation, rent regulation and housing, financial accounting and reporting, environmental protection and insurance and our ability to comply with such changes in a timely manner;\n\n•the risk that we may be required to make substantial expenditures to keep pace with regulatory initiatives and the rapid technological changes in the financial services market;\n\n•competition from financial institutions and other financial service providers including non-bank financial technology providers and our ability to attract customers from other financial institutions;\n\n•any unanticipated or greater than anticipated adverse conditions in the national or local economies in which we operate;\n\n3\n\n•our loan concentration in industries or sectors that may experience unanticipated or greater than anticipated adverse conditions than other industries or sectors in the national or local economies in which we operate;\n\n•increased capital requirements, other regulatory requirements or enhanced regulatory supervision;\n\n•cybersecurity risks and the vulnerability of our network and online banking portals, and the systems or parties with whom we contract, to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss and other security breaches that could adversely affect our business, financial performance or reputation;\n\n•risks related to the development and use of artificial intelligence;\n\n•risks with respect to our ability to identify and complete future mergers or acquisitions, as well as our ability to successfully expand and integrate those businesses and operations that we acquire;\n\n•risks related to enhanced regulatory requirements and scrutiny as a result of our assets exceeding $10 billion in assets following the First Foundation acquisition, including increased regulatory compliance costs;\n\n•the risks of expansion into new geographic or product markets;\n\n•the inability to manage strategic initiatives and/or organizational changes;\n\n•our ability to attract and retain key employees;\n\n•an insufficient allowance for credit losses or volatility in the allowance for credit losses resulting from the CECL methodology, either alone or as that may be affected by changing economic conditions, credit concentrations, inflation, changing interest rates, or other factors;\n\n•changes in accounting principles, policies, practices or guidelines;\n\n•our reliance on third parties to provide key components of our business infrastructure and services required to operate our business;\n\n•the availability of and access to capital;\n\n•failures of internal controls and other risk management systems;\n\n•the outcome (including judgments, costs, fines, reputational harm, inability to obtain necessary approvals and/or other negative effects) of pending or threatened litigation or of matters before or involving regulatory agencies, whether currently existing or commencing in the future;\n\n•losses due to fraudulent or negligent conduct of our customers, third-party service providers or employees;\n\n•limitations on our ability to declare and pay dividends and other distributions from our bank to our holding company, which could affect our holding company’s liquidity, including its ability to pay dividends to stockholders or take other capital actions; and\n\n•other factors, many of which are beyond our control.\n\nWe caution readers that the foregoing list of factors is not exclusive, is not necessarily in order of importance and readers should not place undue reliance on any forward-looking statements. You should also consider the risks, assumptions and uncertainties set forth under “Item 1.A. Risk Factors,” of our Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission (“SEC”) on March 6, 2026 (our “[202](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm)[5](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm)[Annual Report](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm)”), as well as any additional factors that might be reported in future filings that we make with the SEC. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from our forward-looking statements. Accordingly, you should not place undue reliance on any such forward-looking statements. Further, any forward-looking statement speaks only as of the date on which it is made and we do not intend to and disclaim any obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, unless required to do so under the federal securities laws.\n\n4\n\nPart I - Financial Information"}