---
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"
generated_at: "2026-05-16T06:33:55.349548+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FinWise Bancorp reports FY2025 net income $16.1M, up 26%; Q4 originations $1.6B exceed guidance

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001856365-26-000004
- JSON: https://secwatch.observer/filing/0001856365-26-000004.json
- Plain text: https://secwatch.observer/filing/0001856365-26-000004.txt

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