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Balance Sheet
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Income Overview
Net Income
$2,132K
EPS
$0.15
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
32,754
32,072
25,563*
22,532
Interest on securities
337
339
364*
360
Other interest income
888
1,130
991*
1,074
Total interest income
33,979
33,541
26,917*
23,966
Interest on deposits
5,230
5,451
4,736
5,359
Total interest expense
5,230
5,451
4,736*
5,359
Net interest income
28,749
28,090
22,181*
18,607
Provision for credit losses
22,677
10,581
12,286*
12,799
Net interest income after provision for credit losses
6,072
17,509
9,895*
5,808
Strategic program fees
5,310
5,702
4,648*
6,180
Gain on sale of loans, net
1,480
1,452
1,368*
1,854
Sba loan servicing fees, net
80
158
351*
-242
Change in fair value on investment in bfg
-200
-200
550*
200
Interchange income
679
703
-
-
Credit enhancement income
16,678
5,864
7,369*
8,762
Other miscellaneous income
1,567
948
1,615*
1,298
Total non-interest income
25,594
14,627
15,900*
18,052
Salaries and employee benefits
11,062
11,038
13,166*
10,814
Professional services
1,146
880
893*
876
Occupancy and equipment expenses
417
425
526*
456
Credit enhancement servicing expense
1,512
2,429
478*
248
Credit enhancement guarantee expense
11,774
10,098
3,373*
1,720
Other operating expenses
2,951
3,468
3,357*
3,335
Total non-interest expense
28,862
28,338
21,792*
17,449
Income before income taxes
2,804
3,798
4,003*
6,411
Provision for income taxes
672
1,063
1,394*
1,520
Net income (loss)
2,132
2,735
2,609
4,891
Basic EPS
0.16
0.21
0.203
0.36
Diluted EPS
0.15
0.2
0.192
0.34
Basic Average Shares
13,112,580
13,019,369
12,843,276
12,859,264
Diluted Average Shares
13,673,167
13,642,166
13,608,260
13,615,354
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$32,754K
(77.19%↑ Y/Y)
Other interest income
$888K
(2.42%↑ Y/Y)
Interest on securities
$337K
(-13.59%↓ Y/Y)
Total interest income
$33,979K
(72.12%↑ Y/Y)
Credit enhancement
income
$16,678K
(633.10%↑ Y/Y)
Strategic program fees
$5,310K
(-1.74%↓ Y/Y)
Other miscellaneous
income
$1,567K
(61.38%↑ Y/Y)
Gain on sale of loans,
net
$1,480K
(-0.20%↓ Y/Y)
Interchange income
$679K
Net interest income
$28,749K
(95.20%↑ Y/Y)
Sba loan servicing
fees, net
$80K
(183.33%↑ Y/Y)
Total interest
expense
$5,230K
(4.31%↑ Y/Y)
Total non-interest
income
$25,594K
(147.60%↑ Y/Y)
Net interest income
after provision for...
$6,072K
(-39.29%↓ Y/Y)
Change in fair value on
investment in bfg
-$200K
(-166.67%↓ Y/Y)
Provision for credit
losses
$22,677K
(379.83%↑ Y/Y)
Interest on deposits
$5,230K
(4.31%↑ Y/Y)
Income before income
taxes
$2,804K
(-48.33%↓ Y/Y)
Total non-interest
expense
$28,862K
(93.55%↑ Y/Y)
Net income (loss)
$2,132K
(-47.96%↓ Y/Y)
Provision for income taxes
$672K
(-49.47%↓ Y/Y)
Credit enhancement
guarantee expense
$11,774K
Salaries and employee
benefits
$11,062K
(5.44%↑ Y/Y)
Other operating
expenses
$2,951K
(0.07%↑ Y/Y)
Credit enhancement
servicing expense
$1,512K
Professional services
$1,146K
(20.76%↑ Y/Y)
Occupancy and equipment
expenses
$417K
(-6.29%↓ Y/Y)
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Finwise Bancorp (FINW)
Finwise Bancorp (FINW)