{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-23-002736","form_type":"8-K","ticker":"FINW","cik":"0001856365","company_name":"Finwise Bancorp","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.194031+00:00","generated_at":"2026-06-20T09:47:20.818007+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"FinWise Q4 net income $6.5M ($0.49 EPS), down 35% YoY; loan originations fall to $1.2B","bullets":["Net income $6.5M ($0.49 diluted EPS) vs $10.1M ($0.90) in Q4 2021, a 35% decline.","Loan originations $1.2B, down from $2.3B YoY and $1.5B in Q3 2022.","Net interest margin narrowed to 14.27% from 16.62% YoY; cost of deposits rose to 1.98%.","Allowance for loan losses to total loans at 4.6%; net charge-offs $3.2M vs $2.3M YoY.","Nonperforming loans minimal at 0.1% of total loans; tangible book value $10.95/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-23-002736","json":"https://secwatch.observer/filing/0001140361-23-002736.json","markdown":"https://secwatch.observer/filing/0001140361-23-002736.md","text":"https://secwatch.observer/filing/0001140361-23-002736.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1856365/000114036123002736/0001140361-23-002736-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1856365/000114036123002736/brhc10046916_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T09:47:20.818007+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}