{"schema_version":"secwatch.filing_event.v1","accession":"0001856365-23-000037","form_type":"8-K","ticker":"FINW","cik":"0001856365","company_name":"Finwise Bancorp","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.131176+00:00","generated_at":"2026-06-09T08:49:44.933605+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FinWise Q3 net income $4.8M ($0.37 EPS); NPL ratio jumps to 3.2% from 0.7%","bullets":["Net income $4.8M ($0.37 diluted EPS) vs $3.7M ($0.27) a year ago; net interest income $14.4M (+15% YoY).","Non-performing loans to total loans ratio rose to 3.2% from 0.7% in Q2 and 0% in Q3 2022, driven by SBA 7(a) loans.","Loan originations $1.1B, down from $1.2B QoQ and $1.5B YoY; management expects slowdown to persist into 2024.","Definitive agreement to acquire additional 10% of BFG for 372,132 shares; regulatory approval pending."],"urls":{"canonical":"https://secwatch.observer/filing/0001856365-23-000037","json":"https://secwatch.observer/filing/0001856365-23-000037.json","markdown":"https://secwatch.observer/filing/0001856365-23-000037.md","text":"https://secwatch.observer/filing/0001856365-23-000037.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1856365/000185636523000037/0001856365-23-000037-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1856365/000185636523000037/finw-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T08:49:44.933605+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":[{"claim_id":"c7ca3c639617c3919a2a5909799f8006ef61a63c","claim":"Finwise Bancorp reported fiscal quarter ended September 30, 2023 results: net income $4.8 million, EPS $0.37.","evidence_excerpt":"Net income was $4.8 million for the third quarter of 2023, compared to $4.6 million for the second quarter of 2023 and $3.7 million for the third quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1856365/000185636523000037/0001856365-23-000037-index.htm","confidence":0.85,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fiscal quarter ended September 30, 2023"},{"label":"Net income","value":"$4.8 million"},{"label":"EPS","value":"$0.37"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}