{"schema_version":"secwatch.filing_event.v1","accession":"0001856365-24-000063","form_type":"8-K","ticker":"FINW","cik":"0001856365","company_name":"Finwise Bancorp","filed_at":"2024-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.095277+00:00","generated_at":"2026-05-30T02:14:55.390578+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"medium","headline":"FinWise Bancorp expands fintech offerings; signs 4 new lending programs in 2024","bullets":["During 2024, signed four new Strategic Lending Programs, a Payments program, a credit card program, and a credit-enhanced balance sheet program.","Launched Payments (MoneyRails) and BIN Sponsorship services under development; aims to diversify revenue and drive growth.","3Q24 non-interest expense included a one-time bonus accrual catch-up of ~$400,000; expects expense growth to decelerate in 4Q24.","Early in 4Q24, began calling callable CDs and replacing with lower-rate wholesale funding to improve NIM.","Portfolio mix shifted to lower risk: 46.0% SBA guaranteed and Strategic Program HFS as of 3Q24, up from 41.3% a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001856365-24-000063","json":"https://secwatch.observer/filing/0001856365-24-000063.json","markdown":"https://secwatch.observer/filing/0001856365-24-000063.md","text":"https://secwatch.observer/filing/0001856365-24-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1856365/000185636524000063/0001856365-24-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1856365/000185636524000063/finw-20241112.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T02:14:55.390578+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"}