Every 10-Q that FinWise Bancorp (FINW) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow FINW and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FINW filings page.
FinWise Bancorp reported lower profitability for the three and six months ended June 30, 2026, while remaining well capitalized and growing fee-based activities. Net income was $2.1 million for the quarter and $4.9 million year-to-date, down from $4.1 million and $7.3 million in the prior-year periods, as a sharp increase in the provision for credit losses offset strong revenue growth.
Total assets were $925.3 million, down from $977.1 million at December 31, 2025, with deposits declining to $693.8 million. Net interest income nearly doubled year-over-year for the quarter to $28.7 million, and non-interest income rose significantly, driven by credit enhancement income and Strategic Program activities. The allowance for credit losses increased to $47.4 million, reflecting higher charge-offs and retained Strategic Program exposures, while the Bank’s community bank leverage ratio was a strong 18.1%, above the 9.0% well-capitalized threshold. The company also initiated a 685,000-share stock repurchase program and had repurchased 29,736 shares by June 30, 2026.
FinWise Bancorp reported first-quarter 2026 net income of $2.7 million, down from $3.2 million a year earlier, as higher credit costs offset strong interest revenue growth.
Total interest income rose to $33.5 million from $18.5 million, driven mainly by higher interest and fees on loans. However, the provision for credit losses increased to $10.6 million from $3.3 million, reflecting a larger allowance tied to its loan portfolio, including Strategic Program loans.
Non-interest income nearly doubled to $14.6 million, helped by $5.9 million of credit enhancement income and higher gain-on-sale and interchange revenue. Non-interest expenses also doubled to $28.3 million, led by credit enhancement servicing and guarantee expenses and higher compensation costs. Diluted earnings per share were $0.20 versus $0.23 in 2025. Total assets declined to $899.4 million, and deposits fell to $674.9 million, while the bank maintained a strong community bank leverage ratio of 16.8%, well above the 9.0% well-capitalized threshold.
FinWise Bancorp reported Q3 2025 results showing higher earnings and strong fee momentum alongside elevated credit costs. Net income was $4.9 million versus $3.5 million a year ago, with diluted EPS of $0.34 versus $0.25. Net interest income rose to $18.6 million from $14.8 million, while the provision for credit losses increased to $12.8 million from $2.2 million, reflecting loan growth and credit dynamics.
Non-interest income expanded to $18.1 million from $6.1 million, led by credit enhancement income $8.8 million, Strategic Program fees $6.2 million, and gain on sale of loans $1.9 million. Non-interest expense was $17.4 million versus $14.0 million. On the balance sheet, total assets reached $899.9 million (from $746.0 million at December 31, 2024), loans held-for-investment, net were $533.5 million (from $447.8 million), and deposits were $682.3 million (from $545.0 million). Shares outstanding were 13,586,921 as of November 7, 2025.
FinWise Bancorp's unaudited quarterly report shows growth across balance sheet and earnings metrics for the quarter ended June 30, 2025 (amounts presented in thousands). Total assets increased to $842,488 from $745,976 and total deposits rose to $635,174 from $544,952. Loans held-for-investment, net were $506,503 versus $447,812 at year-end 2024, while Strategic Program loans (retained plus held-for-sale) rose to $177,981 from $111,710.
Profitability improved year-over-year for the quarter: net income was $4,097 versus $3,180 and basic EPS was $0.31 versus $0.25. However, credit-related costs increased: provision for credit losses for the quarter was $4,726 versus $2,385 and the allowance for credit losses rose to $16,247 from $13,176. Net interest income was roughly stable at $14,728 for the quarter, while non-interest income benefited from higher Strategic Program fees and gains on loan sales.