secwatch.observer — SEC 8-K summary
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Issuer:     Finward Bancorp (FNWD)
CIK:        0000919864
Form:       8-K
Filed at:   2026-04-28T23:59:59+00:00
Accession:  0001628280-26-027909
Event type: earnings
Sentiment:  neutral
Materiality: 0.50
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/919864/000162828026027909/0001628280-26-027909-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/919864/000162828026027909/fnwd-20260428.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-027909

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