Welcome to our dedicated page for Finwise Bancorp SEC filings (Ticker: FINW), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
FinWise Bancorp filings document the public-company record for the holding company of FinWise Bank, including results releases, investor presentation materials, executive leadership changes, and annual-meeting governance. Form 8-K reports cover quarterly operating results, Regulation FD materials, and officer appointments tied to the holding company and bank.
Proxy filings describe shareholder meeting matters, board and governance information, executive compensation, voting procedures, and ownership-related disclosures. The filings also frame the bank's Strategic Program Lending, credit-enhanced loan balances, deposit funding, SBA 7(a), commercial real estate, leasing, payments and BIN Sponsorship activities through formal risk and financial disclosure.
FinWise Bancorp filed a Form 8-K to furnish an investor presentation outlining fourth quarter and full-year 2025 results and its fintech-focused banking strategy. For 2025, total operating revenue was $130.7 million, with net income of $16.1 million and diluted earnings per share of $1.13. Return on average assets was 1.9% and return on average equity was 8.9%, while the efficiency ratio improved to 53.8%. Total assets reached $977.1 million and deposits were $754.6 million as of December 31, 2025. Tangible book value per share rose to $14.15. The presentation highlights rapid growth in strategic program and credit enhanced lending to fintech partners, a diversified loan portfolio with significant SBA exposure, and a strong capital position well above regulatory requirements. Management notes higher 4Q25 credit loss provision, including a $1.1 million after-tax impact from refined servicing and administration standards, and emphasizes continued investment in compliance, risk management and payments infrastructure.
FinWise Bancorp reported solid 2025 growth with rising credit costs. Net income increased to $16.1 million from $12.7 million as total loan originations rose to $6.1 billion. Net interest income grew to $72.2 million, though net interest margin slipped to 9.23% from 9.99% as the mix shifted toward lower‑risk, lower‑yield loans.
Total assets expanded 31% to $977.1 million, driven by Strategic Program loans held‑for‑sale, credit‑enhanced Strategic Program loans held‑for‑investment, and higher cash at banks. Deposits grew 38.5% to $754.6 million, largely in time deposits and noninterest‑bearing demand accounts from strategic partners.
Credit performance became a bigger focus. The allowance for credit losses rose from $13.2 million to $36.8 million, reflecting portfolio growth and a sharp increase in credit‑enhanced Strategic Program balances to $108.1 million. Provision expense climbed to $38.6 million, while non‑interest income more than doubled to $58.5 million on higher Strategic Program fees, credit enhancement income and gains on SBA loan sales.
Wasatch Advisors filed an amended Schedule 13G reporting its ownership in Finwise Bancorp. The firm beneficially owns 602,116 shares, representing 4.4% of the company’s common stock as of the reported date. Wasatch has sole voting power over 532,286 shares and sole dispositive power over all 602,116 shares.
The filing states these securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of Finwise Bancorp.
FinWise Bancorp filed a Form 8-K to furnish its latest financial update. The company attached a press release dated January 29, 2026 reporting financial results for the fiscal quarter ended December 31, 2025 as Exhibit 99.1.
The 8-K also furnishes an investor presentation dated January 2026 as Exhibit 99.2 under Regulation FD, providing additional information for investors. Both exhibits are designated as “furnished,” not “filed,” which limits their use for certain securities law purposes.
FinWise Bancorp has filed a universal shelf registration statement on Form S-3 to register up to $150,000,000 of securities. The shelf covers common stock, preferred stock, debt securities, depositary shares, warrants, units and subscription rights that may be offered in one or more future transactions. Specific terms, including pricing and structure, will be detailed in individual prospectus supplements. The company’s common stock trades on NASDAQ under the symbol FINW, and the shelf may be used for general corporate purposes described in future supplements.
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 (FINW) reported an insider trade on Form 4. Director Howard I. Reynolds purchased 2,297 shares of common stock on October 31, 2025 at $18.95 per share.
Following this transaction, Reynolds beneficially owned 38,105 shares, held directly.
FinWise Bancorp (FINW) insider filed a Form 4 reporting an open-market sale. On 11/03/2025, the reporting person sold 1,500 shares of common stock at $19.48 per share.
Following the transaction, the reporting person beneficially owns 56,428 shares held directly. The filing is signed by Robert Keil.
FinWise Bancorp filed a Form 8-K announcing it has furnished a press release reporting financial results for the fiscal quarter ended September 30, 2025, attached as Exhibit 99.1. The company also furnished an investor presentation as Exhibit 99.2 under Regulation FD.
The materials in Items 2.02 and 7.01 are designated as “furnished,” not “filed,” which means they are not incorporated into other filings unless specifically referenced. FinWise’s common stock trades on NASDAQ under the symbol FINW.
Finwise Bancorp director James N. Giordano reported buying shares of the company’s common stock. On September 5, 2025, he made an open‑market purchase of 2,500 shares at $19.32 per share through an account held in joint ownership with his spouse.
After this transaction, he directly owned 396,428 shares and indirectly held 2,500 jointly owned shares, indicating a relatively small additional purchase compared with his existing position.