Core Insights - FinWise Bancorp reported strong financial results for the third quarter of 2025, with net income of $4.9 million, a 19% increase from the previous quarter and a 42% increase year-over-year, driven by robust loan originations and disciplined expense management [4][20]. Financial Performance - Loan originations totaled $1.8 billion, up from $1.5 billion in the prior quarter and $1.4 billion year-over-year [6][10]. - Net interest income was $18.6 million, compared to $14.7 million in the previous quarter and $14.8 million in the same quarter last year [9][6]. - Diluted earnings per share (EPS) were $0.34, an increase from $0.29 in the prior quarter and $0.25 year-over-year [6][20]. - The efficiency ratio improved to 47.6%, down from 59.5% in the previous quarter and 67.5% year-over-year, indicating better productivity [18][6]. Asset Quality - Nonperforming loans were recorded at $42.8 million, representing 7.5% of total loans held-for-investment, compared to $39.7 million (7.5%) in the previous quarter and $30.6 million (7.1%) year-over-year [30][31]. - The allowance for credit losses increased to $25.8 million, reflecting a higher provision for credit losses due to growth in the credit-enhanced loan portfolio [32][30]. Balance Sheet Highlights - Total assets reached $899.9 million, up from $842.5 million in the previous quarter and $683.0 million year-over-year [21][22]. - Total deposits increased to $682.3 million, driven by growth in brokered time certificates of deposits [26][25]. - Total shareholders' equity rose to $187.8 million, an increase of $5.8 million from the previous quarter and $17.4 million year-over-year [27][44]. Strategic Initiatives - The company announced two strategic program agreements with DreamFi Inc. and Tallied Technologies, aiming to expand its strategic initiatives [4]. - FinWise continues to focus on disciplined growth and operational excellence to drive long-term progress and sustainable value creation for shareholders [4].

Core Viewpoint - FinWise Bancorp will report its second quarter 2025 financial results and host a conference call on July 24, 2025, after market close [1]. Group 1: Conference Call Information - The conference call is scheduled for 5:00 p.m. ET, with a dial-in number of 1-877-423-9813 (toll-free) or 1-201-689-8573 (international) [2]. - Participants are advised to dial in 10 minutes prior to the scheduled start time [2]. Group 2: Webcast Information - A live webcast of the conference call will be available on the Company's website, with a replay accessible for six months following the call [3]. Group 3: Submission of Conference Call Questions - The Company will accept questions submitted via email prior to 5:00 p.m. ET on July 24, 2025, in addition to live questions from analysts during the call [4]. Group 4: About FinWise Bancorp - FinWise Bancorp provides Banking and Payments solutions to fintech brands, leveraging a scalable API-driven infrastructure for its Strategic Program Lending business [5]. - The Company offers a Credit Enhanced Balance Sheet Program to help diversify funding sources and manage capital efficiency for lending and card programs [5]. - FinWise also manages various Lending programs, including SBA 7(a), Owner Occupied Commercial Real Estate, and Leasing, to support disciplined balance sheet growth [5]. - The Company is expanding its business model by incorporating Payments (MoneyRails™) and BIN Sponsorship offerings, while maintaining a compliance oversight and risk management-first culture [5].