Finward Bancorp Q3 2025 EPS $0.81, net interest margin expands to 3.04%

Finward Bancorp

2025-Q3 EPS reported $1.42

Net income available to common stockholders $3.5M ($0.81 diluted EPS) vs $2.2M ($0.50) in Q2 2025.
Net interest margin (tax-equivalent) 3.18% vs 3.11% Q2; net interest margin 3.04% vs 2.97%.
Non-interest expense/average assets 2.74% vs 2.90% Q2; efficiency ratio improved to 81.22% from 88.92%.
Tangible book value per share $32.77 vs $30.16 Q2; Tier 1 leverage ratio 8.77%.
Net benefit from credit loss $301k; non-performing loans $13.9M (0.94% of total loans).

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