{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-003599","form_type":"8-K","ticker":"FNWD","cik":"0000919864","company_name":"Finward Bancorp","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.031299+00:00","generated_at":"2026-05-16T07:48:19.090237+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Finward Bancorp reports Q4 2025 net income of $2.0 million, down from $3.5 million in prior quarter","bullets":["Net income available to common stockholders was $2.0 million, or $0.46 per diluted share for Q4 2025, compared to $3.5 million, or $0.81 per diluted share in Q3 2025.","The securities repositioning involved selling $26.6 million in municipal securities, resulting in a $1.6 million pre-tax loss.","Net interest margin (tax-equivalent) increased to 3.32% from 3.18% in the prior quarter due to higher loan yields and lower deposit costs.","Non-performing loans decreased to $11.9 million (0.82% of total loans) from $13.9 million (0.94%) at September 30, 2025.","Tangible book value per share rose to $34.92 from $32.77 in the prior quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-003599","json":"https://secwatch.observer/filing/0001628280-26-003599.json","markdown":"https://secwatch.observer/filing/0001628280-26-003599.md","text":"https://secwatch.observer/filing/0001628280-26-003599.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/919864/000162828026003599/0001628280-26-003599-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/919864/000162828026003599/fnwd-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-16T07:48:19.090237+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"}