FinWise Bancorp Reports Second Quarter 2025 Results

About this update from Finwise Bancorp

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Nonperforming loan balances guaranteed by the Small Business Administration (“SBA”) were $21.2 million, $15.1 million, and $16.0 million as of June 30, 2025, March 31, 2025, and June 30, 2024, respectively","length":390,"tagName":"p"}]}],"tagName":"ul","bulletedList":true,"length":1204,"olType":false},{"type":"text","content":"“FinWise delivered solid operating and financial momentum coming into the second quarter, as the components of our growth strategy began to successfully come together and the team executed well,” said Kent Landvatter, Chairman and CEO of FinWise Bancorp. “We posted strong loan originations of $1.5 billion, maintained solid revenue and remained disciplined on expense management, all of which contributed to growing profitability. Tangible book value per share also continued to increase, ending the quarter at $13.51 2 . We are also encouraged by the early traction of our new products and remain highly confident that the infrastructure investments of the past two years will support strong, long-term growth and shareholder value.”","length":733,"tagName":"p"},{"type":"text","content":"_______________ 1 See “Reconciliation of Non-GAAP to GAAP Financial Measures” for a reconciliation of this non-GAAP measure. 2 See footnote 2 in the “Selected Financial and Other Data” table. 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It is anticipated that the efficiency ratio will decline further as revenues are realized in future periods from interest earned on credit enhanced loan balances as well as the BIN sponsorship and payments initiatives developed during 2023 and 2024.","length":509,"tagName":"p"},{"type":"text","content":" Tax Rate The Company’s effective tax rate was 24.5% for the second quarter of 2025, compared to 28.1% for the prior quarter and 23.9% for the prior year period. The decrease from the prior quarter was principally due to the change in estimated disallowed compensation expense relative to full year net income expectations. The increase from the prior year period was due primarily to higher estimated disallowed compensation estimates.","length":435,"tagName":"p"},{"type":"text","content":" Net Income Net income was $4.1 million for the second quarter of 2025, compared to $3.2 million for the prior quarter and $3.2 million for the prior year period. 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