secwatch.observer — SEC 8-K summary
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Issuer:     Finwise Bancorp (FINW)
CIK:        0001856365
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001856365-26-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1856365/000185636526000004/0001856365-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1856365/000185636526000004/finw-20260129.htm
  HTML page:      https://secwatch.observer/filing/0001856365-26-000004

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