{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-020651","form_type":"8-K","ticker":"FNWD","cik":"0000919864","company_name":"Finward Bancorp","filed_at":"2023-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.026411+00:00","generated_at":"2026-06-13T02:38:07.837760+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Finward Bancorp Q2 net income falls to $2.4M from $4.4M YoY; NIM compresses","bullets":["Q2 2023 net income $2.4M ($0.57 diluted EPS) vs $4.4M ($1.04) in Q2 2022.","Net interest margin for H1 2023 compressed to 2.98% from 3.50% in H1 2022.","Non-performing loans fell to $12.3M (0.80% of loans) from $18.4M (1.21%) at Dec '22.","Deposits grew to $1.80B; core deposits declined 8.6% as customers sought higher yields.","Personnel reduced by 21 FTEs (7%); two banking centers sold generating $276K gain."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-020651","json":"https://secwatch.observer/filing/0001437749-23-020651.json","markdown":"https://secwatch.observer/filing/0001437749-23-020651.md","text":"https://secwatch.observer/filing/0001437749-23-020651.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/919864/000143774923020651/0001437749-23-020651-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/919864/000143774923020651/fnwd20230725_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:38:07.837760+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"dde423fa123e1ce55b07fe2a66528df2f78c9e06","claim":"Finward Bancorp reported the quarter and six months ending June 30, 2023 results: net income $4.7 million, EPS $1.09 per diluted share.","evidence_excerpt":"Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and six months ending June 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/919864/000143774923020651/0001437749-23-020651-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and six months ending June 30, 2023"},{"label":"Net income","value":"$4.7 million"},{"label":"EPS","value":"$1.09 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}