{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-002844","form_type":"8-K","ticker":"FNWD","cik":"0000919864","company_name":"Finward Bancorp","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.804236+00:00","generated_at":"2026-05-27T08:52:27.362870+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Finward Bancorp FY2024 net income $12.1M ($2.84/share); Q4 net income $2.1M, NIM improves to 2.65%","bullets":["FY2024 net income $12.1M ($2.84 diluted EPS) vs $8.4M ($1.96) in 2023; Q4 net income $2.1M ($0.49) vs $1.5M ($0.35) a year ago.","Net interest margin improved to 2.65% in Q4 2024 from 2.51% in Q3 2024; tax-adjusted NIM was 2.79% vs 2.66%.","Recorded $1.2M one-time gain on termination of a tax credit investment; net charge-offs of $2.2M on a small number of commercial loans.","Loans flat at $1.5B; deposits up $11.8M to $1.8B; non-interest-bearing deposits decreased $21.8M to $263.3M.","Tangible book value per share $29.48 (down from $31.28); adjusted for AOCL increased to $42.94; tier 1 capital ratio improved to 8.46%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-002844","json":"https://secwatch.observer/filing/0001628280-25-002844.json","markdown":"https://secwatch.observer/filing/0001628280-25-002844.md","text":"https://secwatch.observer/filing/0001628280-25-002844.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/919864/000162828025002844/0001628280-25-002844-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/919864/000162828025002844/fnwd-20250128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:52:27.362870+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"}