{"schema_version":"secwatch.filing_event.v1","accession":"0001856365-25-000003","form_type":"8-K","ticker":"FINW","cik":"0001856365","company_name":"Finwise Bancorp","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.339548+00:00","generated_at":"2026-05-27T05:48:06.284918+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"FinWise Bancorp Q4 2024 net income $2.8M ($0.20 EPS); full year EPS $0.93; NPLs rise to 7.8%","bullets":["Net income $2.8M in Q4 2024, down from $4.2M in Q4 2023; diluted EPS $0.20 vs $0.32.","Full year 2024 net income $12.7M ($0.93 EPS) vs $17.5M ($1.33 EPS) in 2023.","Loan originations $1.3B in Q4, $5.0B for 2024; net interest margin 10.0% up from 9.7% prior quarter.","Nonperforming loans totaled $36.4M (7.8% of loans HFI) vs $30.6M (7.1%) in Q3; net charge-offs $3.2M.","Announced four new lending programs and two new payments/credit card programs to diversify revenue."],"urls":{"canonical":"https://secwatch.observer/filing/0001856365-25-000003","json":"https://secwatch.observer/filing/0001856365-25-000003.json","markdown":"https://secwatch.observer/filing/0001856365-25-000003.md","text":"https://secwatch.observer/filing/0001856365-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1856365/000185636525000003/0001856365-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1856365/000185636525000003/finw-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:48:06.284918+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"}