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Finward Bancorp (FNWD) investor relations material
Finward Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.2 million ($0.50 per diluted share), up from $143,000 in Q2 2024 and $455,000 in Q1 2025, reflecting improved core operating results and expanded net interest margin.
Return on average assets (ROA) for Q2 2025 was 0.42%; return on equity (ROE) was 5.66%, both up sequentially.
For the six months ended June 30, 2025, net income was $2.6 million ($0.61 per diluted share), down 72% year-over-year.
Regulatory consent order was terminated in August 2025; MOU remains in effect, restricting dividends and expansion.
Management highlighted stable asset quality, strong net recoveries, and improved Tier 1 capital above internal targets.
Financial highlights
Net interest income for Q2 2025 rose 15.7% to $13.9 million year-over-year; net interest margin (tax-equivalent) was 3.11%, up from 2.95% sequentially.
Non-interest income for Q2 2025 increased 4.3% to $2.7 million, driven by higher fees and loan sale gains.
Non-interest expense for Q2 2025 rose 2.6% to $14.8 million, mainly due to higher compensation and data processing costs.
Efficiency ratio improved to 88.92% from 93.11% sequentially.
For the six months, net interest income was $27.3 million, up 14.4% year-over-year; net interest margin (tax-equivalent) was 3.03%.
Outlook and guidance
Management expects sufficient liquidity and capital to meet operational needs for the next twelve months.
Management sees continued opportunity to improve operating expense and non-interest income as the year progresses.
The impact of the new OBBBA tax law is under evaluation; long-term effects on operations are uncertain.
MOU with regulators may limit or delay expansion and acquisitions.
Forward-looking statements caution on risks from regulatory compliance, market conditions, and capital management activities.
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Next Finward Bancorp earnings date
Q3 202528 Oct, 2025
Next Finward Bancorp earnings date
Q3 202528 Oct, 2025
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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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