SCHEDULE: Trusts Reduce FirstSun Capital Bancorp Stake Below 5%

Several trusts managed by Karen Hale Young have collectively reduced their beneficial ownership of FirstSun Capital Bancorp's common stock to below the 5% reporting threshold.

Summary

• The filing is an amendment to a Schedule 13G, reporting changes in beneficial ownership of FirstSun Capital Bancorp common stock.
• Four trusts, managed by Karen Hale Young as trustee, collectively held 1,970,100 shares, representing 4.46% of the outstanding common stock as of August 6, 2026.
• This represents a decrease in beneficial ownership, as the reporting persons have ceased to be the beneficial owner of more than 5% of the Issuer's Common Stock.
• The total number of shares beneficially owned has not changed since the previous amendment filed on May 13, 2025.
• Karen Hale Young, as trustee, has sole voting and dispositive power over the shares held by each trust, but due to overlapping trusteeship, the trusts may be deemed to have shared power over the aggregate shares.

Sentiment

Score: 3

Explanation: StockSavvy.ai views this as a neutral to slightly negative filing, as it primarily reports a decrease in beneficial ownership below the 5% threshold, indicating a reduction in significant stakeholding without new strategic initiatives.

Positives

• The filing confirms that Karen Hale Young, as trustee, retains sole voting and dispositive power for the shares held by each trust.
• The aggregate beneficial ownership remains consistent with the previous amendment, indicating no new significant changes in holdings beyond the reduction below the 5% threshold.

Negatives

• The primary reporting event is the reduction of beneficial ownership below the 5% threshold, indicating a divestment or reduction of stake by these trusts.
• The filing explicitly states that the reporting persons have ceased to be the beneficial owner of more than 5% of the Issuer's Common Stock.

Risks

• A reduction in beneficial ownership below the 5% threshold by significant trusts could signal a lack of confidence or a strategic shift away from the company by key stakeholders.
• While not explicitly stated as a risk, a decrease in a significant shareholder's stake can sometimes precede further selling pressure.

Future Outlook

No specific future outlook or guidance is provided in this filing, as it is a disclosure of beneficial ownership.

Management Comments

• Karen Hale Young, as trustee of each of the trusts, may be deemed to have voting, investment, and dispositive power with respect to the securities.
• Young owns no other shares of the Issuer's Common Stock outside of her trustee capacity.
• The Reporting Person has ceased to be the beneficial owner of more than 5 percent of the Issuer's Common Stock.

Industry Context

StockSavvy.ai notes that Schedule 13G filings are routine disclosures for significant shareholders and do not typically indicate strategic shifts unless a substantial change in ownership percentage is reported. This filing indicates a reduction in stake below a key reporting threshold.

Stakeholder Impact

• Shareholders: A reduction in a significant shareholder's stake might be interpreted negatively, potentially impacting market sentiment, though the total ownership remains substantial.
• Management: The filing confirms the role of Karen Hale Young as trustee and her control over the shares held by the trusts.

Next Steps

• The reporting persons will continue to file amendments to Schedule 13G as required by SEC regulations if their beneficial ownership changes significantly.

Key Dates

Keywords

FirstSun Capital Bancorp, Schedule 13G, Beneficial Ownership, Trusts, Karen Hale Young, Common Stock, Ownership Threshold