secwatch.observer — SEC 8-K summary
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Issuer:     Finward Bancorp (FNWD)
CIK:        0000919864
Form:       8-K
Filed at:   2025-10-28T23:59:59+00:00
Accession:  0001628280-25-046848
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/919864/000162828025046848/0001628280-25-046848-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/919864/000162828025046848/fnwd-20251028.htm
  HTML page:      https://secwatch.observer/filing/0001628280-25-046848

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