FinWise Q3 net income $4.9M (+42% YoY); loan originations $1.8B; provision jumps to $12.8M

Finwise Bancorp

2025-Q3 EPS reported $0.86

Diluted EPS $0.34 vs $0.29 QoQ and $0.25 YoY; net interest income $18.6M.
Loan originations $1.8B, up 20% QoQ and 24% YoY; efficiency ratio improved to 47.6%.
Provision for credit losses surged to $12.8M from $4.7M prior quarter; net charge-offs $3.1M.
Nonperforming loans $42.8M (7.5% of HFI) vs $39.7M; allowance/loans ratio rose to 4.5%.
Total assets hit record $899.9M; post-quarter strategic agreements with DreamFi and Tallied announced.

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