FinWise Bancorp (FINW) Balance Sheet: Assets & Liabilities

FinWise Bancorp (FINW) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), FinWise Bancorp reported total assets of $977.13M and total liabilities of $783.94M. Shareholders' equity was $193.19M, up 11.2% from $173.72M a year earlier. Total debt stood at $4.41M against $163.40M in cash and short-term investments, a net cash position of $158.99M. That puts debt-to-equity at 0.02, compared with 0.03 a year earlier.

FinWise Bancorp Balance Sheet Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for FinWise Bancorp (FINW) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Current Assets
Cash and Cash Equivalents	163.40	106.06	116.98	100.57	85.75	94.36	34.78
Cash & Short-Term Investments	163.40	106.06	116.98	100.57	85.75	47.38	34.78
Accounts Receivable	3.71	82.59	44.08	11.07	1.55	1.63	0.94
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	167.11	188.65	161.06	111.64	87.30	49.01	35.72
Non-Current Assets
Property, Plant & Equipment (Net)	18.08	19.89	18.92	14.52	3.29	1.26	0.93
Long-Term Investments	618.28	476.95	387.55	257.65	276.25	3.77	3.46
Other Non-Current Assets	171.32	60.49	18.69	15.81	11.55	8.19	5.53
Total Non-Current Assets	810.03	557.33	425.16	289.14	292.91	268.50	141.34
Total Assets	977.14	745.98	586.22	400.78	380.21	317.52	177.06
Current Liabilities
Accounts Payable	2.63	1.49	0.62	0.05	0.05	0.20	0.06
Accrued Liabilities	3.47	5.92	2.49	1.13	0.28	0.90	0.23
Other Current Liabilities	755.40	540.53	404.83	241.92	251.89	164.48	142.02
Total Current Liabilities	758.03	546.45	407.33	243.05	252.17	165.38	142.25
Non-Current Liabilities
Long-Term Debt	4.41	5.37	6.49	7.33	1.05	101.01	0.00
Deferred Tax Liabilities	0.00	0.90	0.75	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	21.50	19.55	16.61	9.94	11.55	5.26	1.71
Total Non-Current Liabilities	25.91	25.81	23.84	17.27	12.60	106.26	1.71
Total Liabilities	783.94	572.26	431.17	260.32	264.77	271.64	143.97
Stockholders' Equity
Common Stock	0.01	0.01	0.01	0.01	0.01	0.02	0.01
Retained Earnings	132.20	116.59	103.84	85.83	60.59	29.01	17.81
Accumulated Other Comprehensive Income	0.03	0.19	0.00	0.00	0.00	0.00	0.00
Additional Paid-in Capital	60.96	56.93	51.20	54.61	54.84	16.85	15.27
Shares Outstanding	13.66	13.21	12.49	12.83	12.77	-	-
Total Stockholders' Equity	193.20	173.72	155.06	140.46	115.44	45.88	33.10
Total Liabilities & Equity	977.14	745.98	586.22	400.78	380.21	317.52	177.06

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About FinWise Bancorp Balance Sheet

How much debt does FinWise Bancorp have?

FinWise Bancorp had total debt of $4.41M as of Dec 31, 2025, against $163.40M in cash and short-term investments. Its debt-to-equity ratio was 0.02. Total debt was $5.37M a year earlier.

What are FinWise Bancorp's total assets?

FinWise Bancorp reported total assets of $977.13M as of Dec 31, 2025, up 31.0% from $745.98M a year earlier. Total liabilities were $783.94M.

What is FinWise Bancorp's shareholders' equity?

FinWise Bancorp's shareholders' equity was $193.19M as of Dec 31, 2025, or about $14.15 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition