Finwise Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 49.61 percentage points in Q2 2026, from 76.32% to 125.94%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Finwise Bank is 29th of 44 on return on assets, 1.34% as of Q2 2026. Finwise Bank reported 1.34% on return on assets for Q2 2026, 0.08 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.05% |
| Equity capital to assets | 17.92% |
| Tangible equity to tangible assets | 17.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.11% |
| Non-performing assets ratio | 4.12% |
| Net charge-off ratio | 8.33% |
| Texas ratio | 9.03% |
| Allowance for credit losses to loans | 6.43% |
| Reserve coverage of non-performing loans | 125.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 7.31% |
| Net interest margin | 13.64% |
| Efficiency ratio | 51.40% |
| Yield on earning assets | 16.13% |
| Cost of funds | 3.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.96% |
| Core deposits to total deposits | 36.72% |
| Brokered deposits to total deposits | 61.65% |
| Deposits to assets | 78.97% |
| Securities to assets | 3.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 22.12% | 4.83% | 11.87% | 2.81% | 2.73% |
| Q4 2023 | 20.72% | 3.53% | 10.58% | 6.43% | 3.66% |
| Q1 2024 | 20.61% | 3.07% | 10.07% | 5.79% | 3.48% |
| Q2 2024 | 20.81% | 2.98% | 10.25% | 5.64% | 1.89% |
| Q3 2024 | 20.28% | 3.01% | 9.60% | 5.82% | 2.18% |
| Q4 2024 | 20.58% | 2.39% | 10.00% | 6.49% | 2.83% |
| Q1 2025 | 18.80% | 1.87% | 8.05% | 4.88% | 1.81% |
| Q2 2025 | 17.97% | 2.22% | 7.76% | 5.86% | 2.00% |
| Q3 2025 | 17.19% | 2.43% | 8.97% | 5.92% | 2.10% |
| Q4 2025 | 16.90% | 1.88% | 11.40% | 5.87% | 4.21% |
| Q1 2026 | 16.81% | 1.53% | 12.59% | 7.00% | 5.83% |
| Q2 2026 | 18.05% | 1.34% | 13.64% | 5.11% | 8.33% |
Finwise Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Finwise Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Finwise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35323) · FFIEC NIC profile (RSSD 2880019)