{"schema_version":"secwatch.filing_event.v1","accession":"0001856365-25-000042","form_type":"8-K","ticker":"FINW","cik":"0001856365","company_name":"Finwise Bancorp","filed_at":"2025-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.838776+00:00","generated_at":"2026-05-17T01:43:07.804550+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FinWise Q3 net income $4.9M (+42% YoY); loan originations $1.8B; provision jumps to $12.8M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001856365-25-000042","json":"https://secwatch.observer/filing/0001856365-25-000042.json","markdown":"https://secwatch.observer/filing/0001856365-25-000042.md","text":"https://secwatch.observer/filing/0001856365-25-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1856365/000185636525000042/0001856365-25-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1856365/000185636525000042/finw-20251029.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:43:07.804550+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"}