{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-023345","form_type":"8-K","ticker":"FNWD","cik":"0000919864","company_name":"Finward Bancorp","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.352241+00:00","generated_at":"2026-05-31T17:43:59.405839+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 plunges to $0.03 EPS from $0.57 YoY","bullets":["Net income $143k ($0.03 diluted EPS) vs $2.4M ($0.57) in Q2 2023; six-month net income $9.4M ($2.21).","Tax-adjusted NIM improved to 2.67% from 2.57% QoQ; asset yields increasing as loans reprice higher.","Deposits grew to $1.8B (+$9.2M QoQ); BTFP balance reduced to $60M from $65M.","Non-performing loans fell to $11.4M (0.75% of loans); ACL coverage ratio 161.2%.","Tangible book value per share $28.67 (down from $29.30); Bank remains well capitalized."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-023345","json":"https://secwatch.observer/filing/0001437749-24-023345.json","markdown":"https://secwatch.observer/filing/0001437749-24-023345.md","text":"https://secwatch.observer/filing/0001437749-24-023345.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/919864/000143774924023345/0001437749-24-023345-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/919864/000143774924023345/fnwd20240718_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T17:43:59.405839+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}