---
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"
generated_at: "2026-05-17T01:43:07.804550+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001856365-25-000042
- JSON: https://secwatch.observer/filing/0001856365-25-000042.json
- Plain text: https://secwatch.observer/filing/0001856365-25-000042.txt

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