---
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"
generated_at: "2026-05-27T05:48:06.284918+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# FinWise Bancorp Q4 2024 net income $2.8M ($0.20 EPS); full year EPS $0.93; NPLs rise to 7.8%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001856365-25-000003
- JSON: https://secwatch.observer/filing/0001856365-25-000003.json
- Plain text: https://secwatch.observer/filing/0001856365-25-000003.txt

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