FinWise Bancorp 2026年季度报告

FORM 10-Q__________________________________________________ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________to ______. Commission File Number: 001-40721__________________________________________________ FINWISE BANCORP (Exact Name of Registrant as Specified in its Charter)__________________________________________________ Registrant’s telephone number, including area code: (801) 501-7200__________________________________________________ Securities registered pursuant to Section 12(b) of the Act: Name of each exchange on which registered The NASDAQ Stock Market LLC Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of theSecurities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to filesuch reports), and (2) has been subject to such filing requirements for the past 90 days. YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files). YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Accelerated filerSmaller reporting companyEmerging growth company Large accelerated filerNon-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No As of May8, 2026, the registrant had 13,706,039 shares of common stock, $0.001 par value per share, outstanding. FinWise BancorpTable of Contents PageCautionary Note Regarding Forward-Looking Statements3PART I.FINANCIAL INFORMATION5Item 1.Financial Statements (Unaudited)5Consolidated Balance Sheets5Consolidated Statements of Income6Consolidated Statements of Comprehensive Income7Consolidated Statement of Changes in Shareholders’ Equity8Consolidated Statements of Cash Flows9Notes to Consolidated Financial Statements10Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations40Item 3.Quantitative and Qualitative Disclosures About Market Risk63Item 4.Controls and Procedures65PART II.OTHER INFORMATION66Item 1.Legal Proceedings66Item 1A.Risk Factors66Item 2.Unregistered Sales of Equity Securities and Use of Proceeds66Item 3.Defaults Upon Senior Securities66Item 4.Mine Safety Disclosures66Item 5.Other Information66Item 6.Exhibits66SIGNATURES68 CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS In this Quarterly Report on Form 10-Q (this “Report”), unless we state otherwise or the context otherwise requires, references to “we,”“our,” “us,” “the Company” and “FinWise Bancorp” refer to FinWise Bancorp and its wholly owned subsidiaries, FinWise Bank(which we sometimes refer to as “FinWise Bank,” “FinWise,” “the Bank” or “our Bank,”) and FinWise Investment, LLC. This Report contains forward-looking statements made pursuant to the safe harbor provisions of the Private Securities LitigationReform Act of 1995. These forward-looking statements reflect our current views with respect to, among other things, future events andour financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,”“might,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,”“estimate,” “intend,” “plan,” “project,” “projection,” “forecast,” “budget,” “goal,” “target,” “would,” “aim” and “outlook,” or thenegative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-lookingstatements are not historical facts, and are based on current expectations, estimates and projections about our industry andmanagement’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain andbeyond our control. The inclusion of these forward-looking statements should not be regarded as a representation by us or any otherperson that such expectations, estimates and projections will be achieved. Accordingly, we caution you that any such