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Bank, Murray, UT
FinWise Bank
A bank based in Murray, UT. Its commercial book is led by owner-occupied CRE and C&I. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $318M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 235
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $915M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 833-346-9473 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.finwise.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- finwise.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 756 E Winchester St, Murray, UT 84107FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. FinWise Bank's Construction balance rose 16.2% to $58.8M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 9.0% to $58.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 25.4% to $58.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 81.6% to $37.3M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| Fiscal 2026 | The holding company reported a balance of $146.8M still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. | SEC 10-Q and 10-K filings, |
| 2023-10 to 2026-09 | Named as the lender on 29 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | New York | SBA 7(a), Car Washes | $1M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Other Accounting Services | $150K | 9.5% | 10 yr | SBA FOIA | |
| Aug 2026 | Indiana | SBA 7(a), Health Care and Social Assistance | $4.3M | 8.75% | 25 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Used Car Dealers | $1.8M | 9% | 25 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Offices of Dentists | $950K | 9% | 25 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Sign Manufacturing | $920K | 9.5% | 10 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Child Care Services | $450K | 9.5% | 10 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Retail Bakeries | $340K | 9.5% | 10 yr | SBA FOIA | |
| Jul 2026 | New Jersey | SBA 7(a), All Other Miscellaneous Retailers | $800K | 9.5% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $540K | 9.5% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Engineering Services | $150K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Educational Support Services | $3.3M | 9% | 25 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Tax Preparation Services | $1.3M | 8.75% | 25 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Child Care Services | $980K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | New Jersey | SBA 7(a), Wholesale Trade | $350K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Child Care Services | $340K | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | New York | SBA 7(a), Beer, Wine, and Liquor Retailers | $4.8M | 9% | 25 yr | SBA FOIA | |
| May 2026 | New York | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $350K | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | New York | SBA 7(a), Other Services to Buildings and Dwellings | $350K | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | New York | SBA 7(a), Other Individual and Family Services | $350K | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | New Jersey | SBA 7(a), Other Miscellaneous Nondurable Goods Merchant Wholesalers | $350K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2026 | New York | SBA 504, Other Miscellaneous Nondurable Goods Merchant Wholesalers | $2.6M | 25 yr | SBA FOIA | ||
| Apr 2025 | New York | SBA 504, Wholesale Trade | $2.7M | 25 yr | SBA FOIA | ||
| Mar 2025 | New York | SBA 504, All Other Professional, Scientific, and Technical Services | $1.8M | 25 yr | SBA FOIA | ||
| Feb 2025 | New York | SBA 504, All Other Professional, Scientific, and Technical Services | $2.1M | 25 yr | SBA FOIA | ||
| 230 SBA 7(a) loans since October 2023, net of cancelled | $223M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 29 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name FinWise Bank as the lender, totaling $54.0M.
- 8 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Mixed use | 14 | $25.2M |
| Other | 6 | $13.2M |
| Retail | 6 | $8.80M |
| Industrial | 2 | $5.80M |
| Office | 1 | $940K |
| Borough | Mortgages |
|---|---|
| Brooklyn | 28 |
| Bronx | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $3.61M | 0.5% | +101.3% |
| Construction and land development | $58.8M | 8.0% | +25.4% |
| Owner-occupied CRE | $188M | 25.5% | -17.1% |
| Non-owner-occupied CRE | $8.24M | 1.1% | -33.9% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $58.9M | 8.0% | +9.0% |
| Commercial total | $318M |
Reference only: $45.0M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $239M |
| Q4 2023 | $260M |
| Q1 2024 | $267M |
| Q2 2024 | $276M |
| Q3 2024 | $282M |
| Q4 2024 | $302M |
| Q1 2025 | $322M |
| Q2 2025 | $342M |
| Q3 2025 | $370M |
| Q4 2025 | $333M |
| Q1 2026 | $329M |
| Q2 2026 | $318M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 230 | $223M | $350K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 61 | $62.9M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 5 | $11.2M | $2.13M | $2.7M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
| Industry | Loans | Dollars |
|---|---|---|
| All Other Miscellaneous Retailers | 17 | $17.6M |
| Offices of Lawyers | 10 | $7.65M |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 8 | $7.39M |
| All Other General Merchandise Retailers | 7 | $5.80M |
| All Other Professional, Scientific, and Technical Services | 6 | $6.95M |
| Other Miscellaneous Nondurable Goods Merchant Wholesalers | 6 | $6.38M |
| Electronics and Appliance Retailers | 6 | $5.30M |
| Child Care Services | 6 | $2.73M |
| Insurance Agencies and Brokerages | 6 | $2.25M |
| Wholesale Trade | 5 | $5.18M |
Other lenders in these fields: SBA lenders for retail stores, SBA lenders for professional services firms, SBA lenders for wholesale distributors.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- FinWise Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $21,142,000 for 1-4 family residential construction and $16,170,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $0. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 847 | $12.3M |
| Over $100,000 up to $250,000 | 106 | $4.10M |
| Over $250,000 up to $1 million | 160 | $17.3M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $100,000 up to $250,000 | 12 | $956K |
| Over $250,000 up to $1 million | 71 | $19.9M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Utah HQ | 2 | 0 | 0 | ||
| New York | 0 | 124 | 4 | ||
| New Jersey | 0 | 46 | 0 | ||
| Florida | 0 | 19 | 0 | ||
| Pennsylvania | 0 | 6 | 1 | ||
| California | 0 | 6 | 0 | ||
| Texas | 0 | 5 | 0 | ||
| Georgia | 0 | 4 | 0 | ||
| Illinois | 0 | 3 | 0 | ||
| Missouri | 0 | 3 | 0 | ||
| Maryland | 0 | 2 | 0 | ||
| Nevada | 0 | 2 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- FinWise Bank has 2 offices in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 2 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Salt Lake County, UT | 2 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $31.1M | $5.94M to $56.3M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 34.1% | 43.1% to 261.8% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 28.4% | 0.0% to 112.7% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 102.0% | 23.4% to 104.8% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $37.3M | $0 to $218M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 81.6% from a year earlier. | FDIC call report, |
| Loans to assets | 80.5% | 20.3% to 81.2% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 20 days, median of 220
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| First Utah Bank | UT | $840M | $574M |
| Quill Bank | UT | $1.56B | $953M |
| Thrivent Bank | UT | $906M | $232M |
| Grand Valley Bank | UT | $599M | $198M |
| Central Bank | UT | $2.16B | $1.07B |
| Sturgis Bank & Trust Company | MI | $1.03B | $291M |
| Column National Association | UT | $1.77B | $174M |
| Brighton Bank | UT | $322M | $186M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. FinWise Bank, FDIC certificate 35323. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $915M in total assets and $318M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 235 recorded loans from SBA files, through September 30, 2026: 230 SBA 7(a) in 36 months, 5 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to FinWise Bank]
- Phone and website. Phone 833-346-9473, from the lender's website on November 9, 2026. Website finwise.bank, from the FDIC record. [How to reach them]
- Recorded mortgages, New York City. 29 recorded mortgages in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 35323
- RSSD
- 2880019
- LEI
- 254900PUPB9S4K33G831
- The Lender Report ID
- lr_001663
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Salt Lake City, UT
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $915.5M in total assets as of June 30, 2026 (FDIC call report).
- Held $317.7M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $188.2M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $58.9M of commercial and industrial loans as of June 30, 2026, up 9.0% from a year earlier (FDIC call report).
- Held $58.8M of construction and land loans as of June 30, 2026, up 25.4% from a year earlier (FDIC call report).
- Recorded 248 SBA 7(a) approvals totaling $242.3M from October 1, 2023 to September 30, 2026, of which 18 were later cancelled (SBA).
7 more sentences
- Provided the first lien on 5 SBA 504 projects with $11.2M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 2 offices in 1 state (FDIC).
- Finwise Bancorp reported in its 10-Q for the period ended 2026-06-30 that the company and all of its subsidiaries together still held $146.8M of loans originated in fiscal 2026 (SEC filing).
- Held 1,113 commercial and industrial loans that were $1 million or less when made, with a balance of $33.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 83 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $20.9M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $21.1M for 1-4 family and $16.2M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 29 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $54M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, FinWise Bank, https://lender.report/lender/finwise-bank-ut/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- SEC 10-Q and 10-K filings, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem