- Finward Bancorp reported **net income available to common stockholders of $3.5 million**, or **$0.81 per diluted share**, for the quarter ended **September 30, 2025**, a significant increase from $2.2 million, or $0.50 per diluted share, in the prior quarter ended June 30, 2025.  **[919864_0c77d4ccadeb4957970c48465f51bb2c_0]** 
- The company achieved **margin expansion**, with the tax-equivalent net interest margin rising to **3.18%** for Q3 2025 from 3.11% in Q2 2025. The **efficiency ratio improved** to **81.22%** in Q3 2025 from 88.92% in Q2 2025, primarily due to lower non-interest expenses.  **[919864_0c77d4ccadeb4957970c48465f51bb2c_0]** **[919864_0c77d4ccadeb4957970c48465f51bb2c_2]** 
- Total deposits remained stable at **$1.8 billion** as of September 30, 2025, with non-interest-bearing deposits increasing by **$9.1 million**. The aggregate loan portfolio also remained stable at **$1.5 billion**.  **[919864_0c77d4ccadeb4957970c48465f51bb2c_1]** 
- Non-performing loans saw a slight increase to **$13.9 million** at September 30, 2025, from $13.5 million at June 30, 2025, resulting in a non-performing loans to total loans ratio of **0.94%**. The allowance for credit losses (ACL) on loans was **$18.0 million**, representing 1.22% of total loans receivable.  **[919864_0c77d4ccadeb4957970c48465f51bb2c_2]**

Finward Bancorp Announces Third Quarter 2025 Results

- Finward Bancorp reported **net income available to common stockholders of $3.5 million**, or **$0.81 per diluted share**, for the third quarter ended September 30, 2025, an increase from $2.2 million or $0.50 per diluted share in the prior quarter.  **[919864_0001628280-25-046848_fnwd-20250930xexx991.htm:0]** 
- Key performance ratios improved, with **Return on Equity at 8.96%** and the **Efficiency Ratio at 81.22%** for Q3 2025, compared to 5.66% and 88.92% respectively in Q2 2025.  **[919864_0001628280-25-046848_fnwd-20250930xexx991.htm:0]** 
- The net interest margin on a tax-equivalent basis expanded to **3.18%** for the quarter ended September 30, 2025, up from 3.11% in the previous quarter, driven by increased loan yields.  **[919864_0001628280-25-046848_fnwd-20250930xexx991.htm:0]** 
- Deposits totaled **$1.8 billion** as of September 30, 2025, a slight increase of $4.2 million, and the Bancorp maintained **$737 million in available liquidity**.  **[919864_0001628280-25-046848_fnwd-20250930xexx991.htm:0]** 
- Non-performing loans increased slightly to **$13.9 million** (0.94% of total loans) at September 30, 2025, but the allowance for credit losses to non-performing loans remained robust at **129.4%**.  **[919864_0001628280-25-046848_fnwd-20250930xexx991.htm:1]**

Finward Bancorp Announces Strong Third Quarter 2025 Results

- Finward Bancorp will present financial and other information to investors at the **2025 Stephens Banking Forum** in Little Rock, Arkansas.  **[919864_0000919864-25-000007_fnwd-20250917.htm:1]** 
- As of **June 30, 2025**, the company reported **Total Assets of $2,057 Million**, **Total Gross Loans of $1,484 Million**, and **Total Deposits of $1,755 Million**.  **[919864_0000919864-25-000007_fnwdex-991investorpresen.htm:4]** 
- The tax-adjusted net interest margin (NIM) for the three months ended **June 30, 2025, was 3.11%**, an increase from 2.95% for the three months ended March 31, 2025.  **[919864_0000919864-25-000007_fnwdex-991investorpresen.htm:5]** 
- Total deposits increased by **$4.5 million** during the three months ended June 30, 2025, with **72%** of deposits fully FDIC insured.  **[919864_0000919864-25-000007_fnwdex-991investorpresen.htm:7]** 
- The Bank's Tier 1 capital to adjusted average assets ratio was **8.69%** at June 30, 2025, which is considered well capitalized by regulatory definition.  **[919864_0000919864-25-000007_fnwdex-991investorpresen.htm:8]**

Finward Bancorp (FNWD)