---
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"
generated_at: "2026-05-15T03:38:50.335956+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Finward Bancorp reports Q1 net income $2.2M, EPS $0.52; NIM expands to 3.23%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-027909
- JSON: https://secwatch.observer/filing/0001628280-26-027909.json
- Plain text: https://secwatch.observer/filing/0001628280-26-027909.txt

## Key facts
- Earnings Releases
  Finward Bancorp reported the quarter ended March 31, 2026 results: net income $2.2 million, EPS $0.52 per diluted share.
  - Period: the quarter ended March 31, 2026
  - Net income: $2.2 million
  - EPS: $0.52 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/919864/000162828026027909/0001628280-26-027909-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.