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Finward Bancorp
Finward Bancorp (FNWD) investor relations material
Finward Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Net income for Q4 2025 was $2.0 million ($0.46 per diluted share), down from $3.5 million ($0.81 per diluted share) in Q3 2025, reflecting a securities repositioning loss and higher expenses.
Operational results for 2025 improved over 2024, driven by strategic initiatives, balance sheet optimization, and stable credit quality.
Financial highlights
Net interest margin (tax-equivalent) rose to 3.32% in Q4 2025 from 3.18% in Q3 2025, aided by higher loan yields and lower deposit costs.
Non-interest income/average assets fell to 0.29% from 0.57% sequentially, mainly due to $1.6 million in securities losses.
Non-interest expense/average assets increased to 2.90% from 2.74%, driven by higher compensation, benefits, and data processing costs.
Efficiency ratio deteriorated to 89.50% from 81.22% quarter-over-quarter.
Return on equity was 4.66% (down from 8.96% in Q3), and return on assets was 0.39% (down from 0.68%).
Outlook and guidance
Management expects actions taken in Q4, including balance sheet optimization and risk reduction, to enhance financial position and operational results in 2026.
The current rate environment is seen as supportive for continued progress.
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Next Finward Bancorp earnings date
Q1 202630 Apr, 2026
Finward Bancorp
Next Finward Bancorp earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Finward Bancorp is a financial holding company. It operates as the parent company of Peoples Bank, which provides a broad range of banking and financial services. These include personal and business banking products such as checking and savings accounts, loans, eBanking, and cash management services. Peoples Bank also offers wealth management services, retirement planning, estate administration, and various insurance products. The bank serves its customers primarily through its network of 26 locations in Northwest Indiana and the greater Chicagoland area. The company is headquartered in Munster, Indiana, and its shares are listed on the NASDAQ.
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