---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-050219"
form_type: "8-K"
ticker: "FNWD"
cik: "0000919864"
company_name: "Finward Bancorp"
filed_at: "2026-07-28T20:50:07+00:00"
generated_at: "2026-07-28T20:51:11.446838+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Finward Bancorp Q2 2026 EPS $0.48, down from $0.52 QoQ; NIM expands to 3.37%

## Summary
- Net income available to common stockholders $2.1M ($0.48 diluted EPS) vs $2.2M ($0.52) in prior quarter.
- Net interest margin (tax-equivalent) improved to 3.37% from 3.35% QoQ; loan portfolio grew to $1.50B.
- Non-performing loans rose to $16.5M (1.10% of loans) from $12.4M (0.85%) QoQ; provision for credit losses $264K.
- Deposits increased $13.5M to $1.73B; core deposits stable at $1.2B; liquidity available $604M.
- CEO highlighted planned merger with First Financial, positioning for stronger combined organization.

## SEC filing metadata
- accession: 0001628280-26-050219
- form_type: 8-K
- ticker: FNWD
- cik: 0000919864
- company_name: Finward Bancorp
- filed_at: 2026-07-28T20:50:07+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/919864/000162828026050219/0001628280-26-050219-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/919864/000162828026050219/fnwd-20260728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-050219
- JSON: https://secwatch.observer/filing/0001628280-26-050219.json
- Plain text: https://secwatch.observer/filing/0001628280-26-050219.txt

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