{"schema_version":"secwatch.filing_event.v1","accession":"0001856365-26-000004","form_type":"8-K","ticker":"FINW","cik":"0001856365","company_name":"Finwise Bancorp","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.570884+00:00","generated_at":"2026-05-16T06:33:55.349548+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FinWise Bancorp reports FY2025 net income $16.1M, up 26%; Q4 originations $1.6B exceed guidance","bullets":["Q4 diluted EPS $0.27 vs $0.20 YoY; net interest margin 11.42% vs 10.00% YoY.","Full year loan originations $6.1B (+22% YoY); credit enhanced loans reached $118M at year end, ahead of guidance.","Provision for credit losses jumped to $17.7M in Q4 from $3.9M a year ago; net charge-offs $6.7M vs $3.2M.","Efficiency ratio improved to 50.5% from 64.2% a year ago; tangible book value per share $14.15 vs $13.15.","Nonperforming loans $43.7M (7.3% of held-for-investment loans) vs $36.5M (7.8%) a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001856365-26-000004","json":"https://secwatch.observer/filing/0001856365-26-000004.json","markdown":"https://secwatch.observer/filing/0001856365-26-000004.md","text":"https://secwatch.observer/filing/0001856365-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1856365/000185636526000004/0001856365-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1856365/000185636526000004/finw-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:33:55.349548+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"}