FirstSun Capital Bancorp is a financial holding company that operates through Sunflower Bank, a national bank headquartered in Dallas, Texas. FirstSun provides relationship-based commercial and consumer banking services across Texas, Kansas, Colorado, New Mexico, Arizona, California, and Washington, with a mortgage lending platform operating in 44 states. The core business is commercial and industrial (C&I) lending and deposit gathering targeted at small- and mid-sized businesses, professionals, and individuals. FirstSun operates through two segments: Banking, which generates revenue primarily through net interest income supplemented by fees from treasury management, wealth management, and loan syndications; and Mortgage Operations, which originates residential mortgages that are mostly sold to Fannie Mae or Freddie Mac, with FirstSun retaining mortgage servicing rights. FirstSun earns money primarily through its net interest margin, which has remained above 4% for 13 consecutive quarters, driven by a C&I-heavy, variable-rate loan book and a low-cost deposit franchise focused on operating accounts rather than CDs. FirstSun's growth strategy centers on hiring experienced commercial banking teams in high-growth metro markets, particularly in Texas and Southern California, rather than relying primarily on acquisitions. FirstSun has a pending merger with First Foundation, headquartered in Irvine, California, which will expand its footprint into California, Florida, Nevada, and Hawaii, and is expected to push the combined entity above $10B in assets.