{"schema_version":"secwatch.filing_event.v1","accession":"0001856365-24-000057","form_type":"8-K","ticker":"FINW","cik":"0001856365","company_name":"Finwise Bancorp","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.094815+00:00","generated_at":"2026-05-30T10:38:15.052170+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FinWise Q3 net income $3.5M ($0.25 EPS) down from $4.8M; originations $1.4B, NPLs surge to $30.6M","bullets":["Net income $3.5M ($0.25 diluted EPS), down from $4.8M ($0.37) in Q3 2023; net interest income rose to $14.8M.","Loan originations increased to $1.4B, up from $1.1B YoY and $1.2B in prior quarter.","Nonperforming loans $30.6M (7.1% of HFI loans) vs $10.7M (3.2%) a year ago; SBA-guaranteed portion $17.8M.","Efficiency ratio 67.5% vs 50.4% YoY; annualized ROE fell to 8.3% from 12.8%.","Provision for credit losses $2.2M vs $3.1M YoY; net charge-offs $2.4M, slightly up from $2.2M."],"urls":{"canonical":"https://secwatch.observer/filing/0001856365-24-000057","json":"https://secwatch.observer/filing/0001856365-24-000057.json","markdown":"https://secwatch.observer/filing/0001856365-24-000057.md","text":"https://secwatch.observer/filing/0001856365-24-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1856365/000185636524000057/0001856365-24-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1856365/000185636524000057/finw-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:38:15.052170+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"}