FINWISE BANK

MURRAY, UT | Medium | Est. July 25, 2000, midnight | FDIC #35323 | RSSD #2880019 | FDIC
Latest Report: 2025-12-31

FINWISE BANK is amn medium FDIC-insured commercial bank headquartered in MURRAY, UT, established in July 25, 2000, midnight. As of 2025-12-31, the bank reported total assets of $967M and total deposits of $780M. Profitability stands at 1.83% ROA and 11.00% ROE, with a net interest margin of 11.45%. The bank's CET1 capital ratio is 15.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.85% and a Texas Ratio of 22.12%. FDIC Certificate #35323.

Assets

$967M

Deposits

$780M

Loans

$735M

Equity

$158M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 11.00%
Net Interest Margin (NIM) 11.45%
Yield on Assets 14.09%
Cost of Funds 3.02%

Asset Quality

NPL Ratio 5.85%
Net Charge-Off Ratio 2.02%
Texas Ratio 22.12%
NPA Ratio 4.44%
ACL / Loans 5.01%

Capital & Liquidity

CET1 Ratio 15.91%
Tier 1 Capital 15.91%
Total Capital Ratio 16.71%
Leverage Ratio 16.90%
Loan-to-Deposit 94.16%

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