---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-035927"
form_type: "8-K"
ticker: "FINW"
cik: "0001856365"
company_name: "Finwise Bancorp"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:33:54.501529+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FinWise Q2 net income $4.1M, EPS $0.29; loan originations $1.5B

## Summary
- Net income of $4.1M ($0.29 diluted EPS), up from $3.2M ($0.23) in Q1 2025 and $3.2M ($0.24) in Q2 2024.
- Loan originations totaled $1.48B, up from $1.26B in Q1 and $1.17B in Q2 2024.
- Net interest income $14.7M, net interest margin 7.81% vs 10.31% a year ago due to lower-yielding higher-quality loans.
- Nonperforming loans rose to $39.7M (7.5% of HFI) from $29.9M (6.1%) at Q1, partly SBA-guaranteed.
- Efficiency ratio improved to 59.5% from 64.8% in Q1; tangible book value per share $13.51.

## SEC filing metadata
- accession: 0001628280-25-035927
- form_type: 8-K
- ticker: FINW
- cik: 0001856365
- company_name: Finwise Bancorp
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1856365/000162828025035927/0001628280-25-035927-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1856365/000162828025035927/finw-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035927
- JSON: https://secwatch.observer/filing/0001628280-25-035927.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035927.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.