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FinWise Bancorp (FINW) investor relations material
FinWise Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Loan originations reached $1.5B for Q2 2025, up 17% quarter-over-quarter and 27% year-over-year, driven by Strategic Programs and new products.
Net income rose to $4.1M for Q2 2025, up 28.8% year-over-year, with diluted EPS at $0.29 and tangible book value per share at $13.51.
Added to the U.S. SmallCap Russell 2000 Index, reflecting increased market recognition and early traction from new products.
Total assets grew to $842.5M as of June 30, 2025, mainly from loan and investment securities growth.
Net interest margin declined to 7.81% for Q2 2025, impacted by lower yields and higher nonaccrual reversals.
Financial highlights
Net interest income was $14.7M for Q2 2025, up from $14.3M in the prior quarter and $14.6M year-over-year.
Non-interest income doubled year-over-year to $10.3M for Q2 2025, led by Strategic Program fees and credit enhancement income.
Non-interest expense increased to $14.9M, mainly due to higher salaries and benefits.
Efficiency ratio improved to 59.5% from 64.8% sequentially and 66.8% year-over-year.
Provision for credit losses increased 98.2% year-over-year to $4.7M for Q2 2025.
Outlook and guidance
Management expects continued growth in loan originations and Strategic Program expansion, with efficiency ratio improvement and new revenue streams from credit enhanced loans and payments initiatives.
Credit enhanced assets projected to reach $50M–$100M by year-end, with strong demand and more programs launching.
Anticipate return on average equity to rebound to low-to-mid teens and return on average assets to exceed 2% by 2027.
Payments and BIN products expected to reduce funding costs and enhance profitability, with material impact in late 2026.
No material impact anticipated from recent federal tax legislation.
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Next FinWise Bancorp earnings date
Q3 202529 Oct, 2025
Next FinWise Bancorp earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
FinWise Bancorp is a bank holding company that operates through its subsidiary, FinWise Bank, providing financial products and services to consumers and businesses. The company offers commercial and consumer lending, deposit products, and banking-as-a-service (BaaS) solutions. It partners with fintech companies to deliver loan origination and payment processing services, supporting a range of industries. The company is headquartered in Murray, Utah, and its shares are listed on the NASDAQ.
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