secwatch.observer — SEC 8-K summary
======================================

Issuer:     Finward Bancorp (FNWD)
CIK:        0000919864
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0001628280-26-003599
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud

Finward Bancorp reports Q4 2025 net income of $2.0 million, down from $3.5 million in prior quarter
--------------------------------------------------------------------------------

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/919864/000162828026003599/0001628280-26-003599-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/919864/000162828026003599/fnwd-20260127.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-003599

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