secwatch.observer — SEC 8-K summary
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Issuer:     Finward Bancorp (FNWD)
CIK:        0000919864
Form:       8-K
Filed at:   2025-07-29T23:59:59+00:00
Accession:  0001628280-25-036462
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/919864/000162828025036462/0001628280-25-036462-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/919864/000162828025036462/fnwd-20250729.htm
  HTML page:      https://secwatch.observer/filing/0001628280-25-036462

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer