{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-013920","form_type":"8-K","ticker":"FNWD","cik":"0000919864","company_name":"Finward Bancorp","filed_at":"2025-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.816171+00:00","generated_at":"2026-05-23T01:44:51.481662+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 Q1 net income drops to $456K ($0.11 EPS) from $9.3M a year ago","bullets":["Net income available to common stockholders $456K ($0.11 diluted EPS) vs $2.1M ($0.49) in Q4 2024 and $9.3M ($2.17) in Q1 2024.","Tax-adjusted net interest margin expanded to 2.95% from 2.79% in Q4 2024, driven by lower deposit and borrowing costs.","Non-performing loans improved to $12.5M (0.84% of total loans) from $13.7M (0.91%) at December 31, 2024.","Provision for credit loss expense totaled $454K; net charge-offs $32.7K, down sharply from $2.2M in Q4 2024.","Tangible book value per share rose to $29.55 from $29.48; Tier 1 capital ratio of 8.48%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-013920","json":"https://secwatch.observer/filing/0001437749-25-013920.json","markdown":"https://secwatch.observer/filing/0001437749-25-013920.md","text":"https://secwatch.observer/filing/0001437749-25-013920.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/919864/000143774925013920/0001437749-25-013920-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/919864/000143774925013920/fnwd20250426_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T01:44:51.481662+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"}