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FinWise Bancorp (FINW) investor relations material

FinWise Bancorp Registration Filing summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Registration Filing summary18 Nov, 2025

Company overview and business model

  • Operates as a Utah-based bank holding company with a single full-service banking location and nationwide lending operations.

  • Focuses on leveraging technology and strategic partnerships to expand loan origination and deposit solutions.

  • Main lending areas include Strategic Programs, SBA 7(a) loans, residential and commercial real estate, and equipment financing.

  • Holds a 20% interest in Business Funding Group, a key SBA loan referral source, with options to increase ownership.

  • Relies on wholesale and core deposits, as well as borrowings, to fund lending activities.

Risk factors and disclosures

  • Faces risks from regulatory changes, fintech and BaaS industry evolution, and oversight of third-party service providers.

  • Exposed to cybersecurity, fraud, and technology implementation risks.

  • Subject to credit, interest rate, liquidity, and operational risks, as well as economic and competitive pressures.

  • Dependent on management team, regulatory compliance, and ability to maintain strong funding sources.

  • Risks are detailed in incorporated SEC filings, including annual and quarterly reports.

Use of proceeds and capital allocation

  • Net proceeds from securities sales will be used for purposes specified in future prospectus supplements, potentially including general corporate purposes.

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Q4 202529 Jan, 2026
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Q4 202529 Jan, 2026

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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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