Andrew Terrell

Andrew Liesch

Joseph Yanchunis

Brett Rabatin

- FinWise Bancorp reported **net income of $4.9 million** and **diluted earnings per share of $0.34** for Q3 2025, representing a 19% and 17% increase respectively from the prior quarter.  **[0001856365_2212853_4]** 
- The company achieved **robust loan originations of $1.8 billion** in Q3 2025, a 21% increase quarter-over-quarter, and **credit-enhanced balances reached $41 million**.  **[0001856365_2212853_1]** **[0001856365_2212853_2]**  Projections indicate credit-enhanced balances will grow to approximately **$115 million by the end of Q4 2025**, with **$50 million** expected from the new Tally Technologies agreement.  **[0001856365_2212853_2]** 
- The **Net Interest Margin (NIM) expanded to 9.01%** in Q3 2025, up from 7.81% in the prior quarter, though some compression is expected in Q4 2025 due to the onboarding of the Tally Technologies program.  **[0001856365_2212853_4]** **[0001856365_2212853_5]** 
- **Tangible book value per share increased to $13.84** from $13.51 in the prior quarter, reflecting continued value creation for shareholders.  **[0001856365_2212853_1]**

FinWise Bancorp Reports Strong Q3 2025 Results with Increased Net Income, EPS, and Loan Originations

- **Net income** for Q3 2025 was **$4.9 million**, marking a **19% increase** from the prior quarter and a **42% increase** year-over-year.  **[1856365_0001856365-25-000042_finw-20250930earningsrelea.htm:0]** 
- **Diluted earnings per share** reached **$0.34** for the quarter, up from $0.29 in Q2 2025 and $0.25 in Q3 2024.  **[1856365_0001856365-25-000042_finw-20250930earningsrelea.htm:0]** 
- **Loan originations** totaled **$1.8 billion** in Q3 2025, an increase from $1.5 billion in the prior quarter and $1.4 billion in the prior year.  **[1856365_0001856365-25-000042_finw-20250930earningsrelea.htm:0]** 
- The **efficiency ratio improved** to **47.6%** in Q3 2025, compared to 59.5% in Q2 2025 and 67.5% in Q3 2024.  **[1856365_0001856365-25-000042_finw-20250930earningsrelea.htm:0]** 
- **Total assets** grew to **$899.9 million** as of September 30, 2025, reaching nearly $900 million for the first time in the Company's history.  **[1856365_0001856365-25-000042_finw-20250930earningsrelea.htm:0]** **[1856365_0001856365-25-000042_finw-20250930earningsrelea.htm:5]**

FinWise Bancorp Reports Strong Third Quarter 2025 Results

- FinWise Bancorp reported **net income of $4.9 million** for the third quarter of 2025, representing a **19% increase** from the prior quarter and a **42% increase** year-over-year.  **[1856365_067928ea7f8a4366983239ec611b067c_1]** 
- **Diluted earnings per share (EPS)** for the quarter were **$0.34**, compared to $0.29 for the quarter ended June 30, 2025, and $0.25 for the third quarter of the prior year.  **[1856365_067928ea7f8a4366983239ec611b067c_0]** **[1856365_067928ea7f8a4366983239ec611b067c_1]** 
- **Loan originations totaled $1.8 billion** in Q3 2025, an increase from $1.5 billion in the prior quarter and $1.4 billion in the third quarter of the prior year.  **[1856365_067928ea7f8a4366983239ec611b067c_0]** **[1856365_067928ea7f8a4366983239ec611b067c_1]** 
- The company's **efficiency ratio improved to 47.6%** for Q3 2025, compared to 59.5% for the quarter ended June 30, 2025, and 67.5% for the third quarter of the prior year.  **[1856365_067928ea7f8a4366983239ec611b067c_0]** **[1856365_067928ea7f8a4366983239ec611b067c_1]** 
- Total end-of-period assets reached nearly **$900 million** for the first time, specifically **$899.9 million** as of September 30, 2025.  **[1856365_067928ea7f8a4366983239ec611b067c_1]** **[1856365_067928ea7f8a4366983239ec611b067c_5]** **[1856365_067928ea7f8a4366983239ec611b067c_14]**

FinWise Bancorp Reports Third Quarter 2025 Results

- **FinWise Bancorp** has entered into an agreement with **Tallied Technologies, Inc.** to deliver credit card products and processing solutions to Fintechs.  **[1856365_0c69b428fa454b128697bc984b2a65a3_0]** 
- The partnership includes the launch of two **Mastercard co-branded credit card programs** (Consumer Rewards World Elite Mastercard and Business Rewards World Elite Mastercard) in **November 2025**.  **[1856365_0c69b428fa454b128697bc984b2a65a3_0]** 
- FinWise will serve as the **issuing bank**, providing compliance, risk management oversight, and Credit Enhanced balance sheet support for these programs.  **[1856365_0c69b428fa454b128697bc984b2a65a3_0]** 
- This collaboration is expected to **expand FinWise's cards sponsor business** and **diversify its revenue** through interest and fee-related income.  **[1856365_0c69b428fa454b128697bc984b2a65a3_0]**

Finwise Bancorp (FINW)