FinWise Bancorp Reports Third Quarter 2025 Results

About this update from Finwise Bancorp

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Nonperforming loan balances guaranteed by the Small Business Administration (“SBA”) were $23.3 million, $21.2 million, and $17.8 million as of September 30, 2025, June 30, 2025, and September 30, 2024, respectively","length":408,"tagName":"p"}]}],"tagName":"ul","bulletedList":true,"length":1212,"olType":false},{"type":"text","content":"“Our strong third quarter results reflect the positive impact of the strategic investments we made over the past two years,” said Kent Landvatter, Chairman and CEO of FinWise Bancorp. “We reported net income of $4.9 million, a 19% increase from the prior quarter and a 42% increase year-over-year. This performance was driven by robust loan originations, a significant increase in credit-enhanced balances, solid revenue growth and disciplined expense management. Total end-of-period assets also reached nearly $900 million for the first time in our Company’s history. Following the end of the quarter, we announced two strategic program agreements, with DreamFi Inc. and Tallied Technologies, and we remain actively engaged in discussions with several potential strategic partners to further expand our strategic initiatives. Overall, we remain confident that our focus on disciplined growth and operational excellence will continue to drive long-term progress and sustainable value creation for our shareholders.”","length":1015,"tagName":"p"},{"type":"readMore"},{"type":"text","content":"_____________________","length":21,"tagName":"p"},{"type":"text","content":" 1 See “Reconciliation of Non-GAAP to GAAP Financial Measures” for a reconciliation of this non-GAAP measure.","length":108,"tagName":"p"},{"type":"text","content":" Selected Financial and Other Data ","length":33,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"style":"vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"colspan":"11","style":"border-bottom:solid black 1pt;text-align:center;vertical-align:middle;vertical-align:bottom;","val":[{"type":"text","content":" As of and for the Three Months Ended 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increase in non-interest expense from the prior quarter resulted primarily from increases in credit enhancement guarantee expense largely related to growth in credit enhanced loans. Additionally, other operating expenses increased due to greater servicing costs linked to the balance sheet programs, along with elevated FDIC assessments reflecting our increased deposit balances, data processing services and expenditures on computer software.","length":447,"tagName":"p"},{"type":"text","content":"The increase in non-interest expense from the prior year period was primarily due to an increase in credit enhancement guarantee expense related to growth in credit enhanced loans, salaries and employee benefits mainly from the amortization of deferred compensation awards incurred to retain and motivate our employees, and increases in other operating expenses due to greater servicing costs linked to the balance sheet programs, operating lease depreciation, elevated FDIC assessments reflecting our increased deposit balances, data processing services and expenditures on computer software.","length":593,"tagName":"p"},{"type":"text","content":"FinWise’s efficiency ratio was 47.6% for the third quarter, compared to 59.5% for the prior quarter and 67.5% for the prior year period. This reduction in the efficiency ratio was primarily from the increase in credit enhanced income previously mentioned. Looking ahead, it is anticipated that the efficiency ratio is likely to reduce further as revenues are realized in future periods from interest earned on credit enhanced loan balances, along with the contributions from BIN sponsorship offerings and payments initiatives developed throughout 2024 and 2023.","length":561,"tagName":"p"},{"type":"text","content":" Tax Rate The Company’s effective tax rate was 23.7% for the third quarter of 2025, compared to 24.5% for the prior quarter and 25.1% for the prior year period. The decrease from the prior quarter and prior year period was principally due to the increase in deferred tax assets related to restricted stock, increased allowances for credit losses, and accrued bonuses. 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The increase in total assets from June 30, 2025 was primarily due to continued growth in the Company’s net loans held-for-investment of $27.0 million, interest- bearing cash deposits of $14.6 million, loans held-for-sale portfolios of $9.4 million, and an increase in the credit enhancement asset of $8.7 million. The increase in total assets compared to September 30, 2024 was primarily due to increases in the Company’s net loans held-for-investment of $115.5 million, loans held-for-sale portfolio of $72.7 million, an increase in interest-bearing cash deposits of $17.2 million, and an increase in the credit enhancement asset of $11.1 million. 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