---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-036462"
form_type: "8-K"
ticker: "FNWD"
cik: "0000919864"
company_name: "Finward Bancorp"
filed_at: "2025-07-29T23:59:59+00:00"
generated_at: "2026-05-17T23:59:41.106076+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Finward Bancorp Q2 net income $2.2M ($0.50 EPS), up from $0.5M; NIM expands to 2.97%

## Summary
- Net income available to common stockholders $2.2M ($0.50 diluted EPS) vs $455K ($0.11) in Q1.
- Net interest margin (tax-equivalent) rose to 3.11% from 2.95% QoQ; loan yields improved.
- Non-performing loans $13.5M (0.91% of loans); net loan recoveries of $414K in Q2.
- Tier 1 leverage ratio improved to 8.69% from 8.48%; tangible book value $30.16 per share.
- Deposits stable at $1.8B; commercial loan originations increased to $46.1M from $36.7M.

## SEC filing metadata
- accession: 0001628280-25-036462
- form_type: 8-K
- ticker: FNWD
- cik: 0000919864
- company_name: Finward Bancorp
- filed_at: 2025-07-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/919864/000162828025036462/0001628280-25-036462-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/919864/000162828025036462/fnwd-20250729.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-036462
- JSON: https://secwatch.observer/filing/0001628280-25-036462.json
- Plain text: https://secwatch.observer/filing/0001628280-25-036462.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.