Finward Bancorp Q3 2025 Earnings Release

Finward Bancorp reported its unaudited financial results for the third quarter of 2025, with net income available to common stockholders of $3.5 million, or $0.81 per diluted share, compared to $2.2 million, or $0.50 per diluted share, in the previous quarter. Key performance metrics showed improvement, including a return on equity of 8.96% and a return on assets of 0.68%. The net interest margin increased to 3.04%, driven by higher loan yields and customer payoffs of lower-yielding loans. Deposits remained stable at $1.8 billion, with core deposits representing 69.3% of total deposits. The Bancorp's liquidity position remained strong, with $737 million in available liquidity. Non-performing loans increased slightly to $13.9 million, but the allowance for credit losses remained adequate at 1.22% of total loans. The Bancorp's capital ratios continued to exceed regulatory requirements, with a tier 1 leverage ratio of 8.77%.