{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-027909","form_type":"8-K","ticker":"FNWD","cik":"0000919864","company_name":"Finward Bancorp","filed_at":"2026-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.934608+00:00","generated_at":"2026-05-15T03:38:50.335956+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Finward Bancorp reports Q1 net income $2.2M, EPS $0.52; NIM expands to 3.23%","bullets":["Net income available to common stockholders $2.2M, diluted EPS $0.52 vs. $2.0M ($0.46) in Q4 2025.","Net interest margin (tax-equivalent) 3.35%, up from 3.32% Q4, driven by lower funding costs.","Deposits $1.72B, down $7.9M; core deposits stable at $1.2B. Non-performing loans $12.4M, up $1.2M.","Commercial loan originations $37.4M in Q1, down from $45.8M Q4 due to seasonality.","Planned closure of two branch locations early Q2 as part of efficiency efforts."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-027909","json":"https://secwatch.observer/filing/0001628280-26-027909.json","markdown":"https://secwatch.observer/filing/0001628280-26-027909.md","text":"https://secwatch.observer/filing/0001628280-26-027909.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/919864/000162828026027909/0001628280-26-027909-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/919864/000162828026027909/fnwd-20260428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T03:38:50.335956+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":[{"claim_id":"6138f634a1e0c85ea3b16c1e793816e3f6864c56","claim":"Finward Bancorp reported the quarter ended March 31, 2026 results: net income $2.2 million, EPS $0.52 per diluted share.","evidence_excerpt":"Finward Bancorp (Nasdaq: FNWD) (the “Bancorp”), the holding company for Peoples Bank (the “Bank”), today announced that net income available to common stockholders was $2.2 million, or $0.52 per diluted share, for the quarter ended March 31, 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/919864/000162828026027909/0001628280-26-027909-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$2.2 million"},{"label":"EPS","value":"$0.52 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}