FNWD

EX-99.1

2 fnwd-2026331xexx991er.htm

EX-99.1

FNWD-2026.3.31-EX-99.1 ER

1

Exhibit 99.1

April 28, 2026

Finward Bancorp Announces First Quarter 2026 Results

Munster, Indiana - Finward Bancorp (Nasdaq: FNWD) (the “Bancorp”), the holding company for Peoples Bank (the

“Bank”), today announced that net income available to common stockholders was $2.2 million, or $0.52 per diluted share,

for the quarter ended March 31, 2026, as compared to $2.0 million, or $0.46 per diluted share, for the quarter ended

December 31, 2025. Selected performance metrics are as follows for the periods presented:

Performance Ratios

Quarter ended

3/31/2026

12/31/2025

9/30/2025

6/30/2025

3/31/2025

Return on equity

5.00%

4.66%

8.96%

5.66%

1.17%

Return on assets

0.44%

0.39%

0.68%

0.42%

0.09%

Net interest margin, tax-equivalent  (non-GAAP)

3.35%

3.32%

3.18%

3.11%

2.95%

Non-interest income/average assets

0.48%

0.29%

0.57%

0.53%

0.43%

Non-interest expense/average assets

2.93%

2.90%

2.74%

2.90%

2.81%

Efficiency ratio

84.45%

89.50%

81.22%

88.92%

93.11%

“Results for the quarter reflect continued progress in our efforts to improve profitability, and confirm expected

improvement to our core earnings trajectory. Our focus on loan originations has built a solid loan pipeline, and along with

the repricing of existing loans, is expected to drive net interest margin expansion and further earnings improvement in the

coming quarters.” said Benjamin Bochnowski, Chief Executive Officer. “Actions taken over recent quarters are starting to

translate into stronger operating performance, and this has allowed for a renewed focus on customer growth and service as

the year progresses."

"As part of our efficiency efforts, we announced the planned closure of two branch locations expected to occur early in the

second quarter. Credit quality remains healthy, reserves are appropriate, and the organization remains well positioned to

continue on our path in the current operating environment.”

Highlights of the current period include:

•Net Interest Margin - The net interest margin for the quarter ended March 31, 2026 was 3.23% compared to 3.18%

for the quarter ended December 31, 2025. Net interest margin on a tax-equivalent basis (a non-GAAP measure) for the

quarter ended March 31, 2026 was 3.35%, as compared to 3.32% for the quarter ended December 31, 2025. Net

interest margin increased from the prior quarter primarily due to a favorable reduction in funding costs.

•Funding - As of March 31, 2026, deposits totaled $1.72 billion, a decrease of $7.9 million, or 0.5% compared with

December 31, 2025 balances, which totaled $1.73 billion. As of March 31, 2026, non-interest-bearing deposits totaled

$278.7 million, an increase of $11.3 million. Core deposits totaled $1.2 billion at both March 31, 2026 and

December 31, 2025. Core deposits include checking, savings, and money market accounts and represented 71.6% of

the Bancorp’s total deposits at March 31, 2026. As of March 31, 2026, balances for certificates of deposit totaled

$488.8 million, compared to $499.6 million on December 31, 2025, a decrease of $10.8 million or 2.2%. The decrease

in total portfolio deposits is primarily related to cyclical flows and continued adjustments to deposit pricing. In

addition, as of March 31, 2026, borrowings, federal funds purchased and repurchase agreements totaled $90.8 million,

an increase of $6.1 million or 7.2%, compared to December 31, 2025. The increase in borrowings was primarily

attributable to new FHLB advances during the quarter.

As of March 31, 2026, 72.0% of our deposits are fully FDIC insured, and another 7.5% are further backed by the

Indiana Public Deposit Insurance Fund. The Bancorp’s liquidity position remains strong with solid core deposit

customer relationships, excess cash, debt securities, contractual loan repayments, and access to diversified borrowing

sources. As of March 31, 2026, the Bancorp had available liquidity of $555 million including borrowing capacity from

the FHLB and Federal Reserve facilities.

2

Exhibit 99.1

•Securities Portfolio - Securities available for sale balances decreased by $8.5 million to $307.7 million as of

March 31, 2026, compared to $316.2 million as of December 31, 2025. The yield on the securities portfolio decreased

to 2.22% for the three months ended March 31, 2026 from 2.29% for the three months ended December 31, 2025. The

decrease in securities available for sale was primarily attributable to an increase in the negative fair value adjustment

to securities, as well as maturity of certain securities.  The Bank did not sell any securities during the quarter.

•Lending - The Bank’s aggregate loan portfolio totaled $1.45 billion on both March 31, 2026 and December 31, 2025.

During the three months ended March 31, 2026, the Bank originated $37.4 million in new commercial loans,

compared to $45.8 million during the three months ended December 31, 2025, l

fnwd-20260127false000091986400009198642026-01-272026-01-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2026

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana001-4099935-1927981 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

9204 Columbia Avenue Munster, Indiana 46321 (Address of principal executive offices) (Zip Code) (219) 836-4400 (Registrant's telephone number, including area code) N/A (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, no par valueFNWDThe NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company          o If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.          o

Item 2.02.         Results of Operations and Financial Condition On January 27, 2026, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter ended December 31, 2025. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.         Financial Statements and Exhibits. (d)Exhibits.

99.1Earnings release for the quarter ended December 31, 2025

104Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Date: January 27, 2026

FINWARD BANCORP

By:/s/ Benjamin L. Schmitt Name: Benjamin L. Schmitt Title: Executive Vice President, Chief Financial Officer and Treasurer

fnwd-20251028false000091986400009198642025-10-282025-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2025

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana001-4099935-1927981 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

9204 Columbia Avenue Munster, Indiana 46321 (Address of principal executive offices) (Zip Code) (219) 836-4400 (Registrant's telephone number, including area code) N/A (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, no par valueFNWDThe NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company          o If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.          o

Item 2.02.         Results of Operations and Financial Condition On October 28, 2025, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter ended September 30, 2025. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.         Financial Statements and Exhibits. (d)Exhibits.

99.1Earnings release for the quarter ended September 30, 2025

104Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Date: October 28, 2025

FINWARD BANCORP

By:/s/ Benjamin L. Schmitt Name: Benjamin L. Schmitt Title: Executive Vice President, Chief Financial Officer and Treasurer

fnwd-20250729false000091986400009198642025-07-292025-07-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2025

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana001-4099935-1927981 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

9204 Columbia Avenue Munster, Indiana 46321 (Address of principal executive offices) (Zip Code) (219) 836-4400 (Registrant's telephone number, including area code) N/A (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, no par valueFNWDThe NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company          o If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.          o

Item 2.02.         Results of Operations and Financial Condition On July 29, 2025, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter ended June 30, 2025. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.         Financial Statements and Exhibits. (d)Exhibits.

99.1Earnings release for the quarter ended June 30, 2025

104Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Date: July 29, 2025

FINWARD BANCORP

By:/s/ Benjamin L. Schmitt Name: Benjamin L. Schmitt Title: Executive Vice President, Chief Financial Officer and Treasurer

fnwd20250426_8k.htm

false 0000919864

0000919864

2025-04-30 2025-04-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 30, 2025

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana

001-40999

35-1927981

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On April 30, 2025, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter ended March 31, 2025. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter ended March 31, 2025, and Unaudited Consolidated Condensed Balance Sheets as of March 31, 2025, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter ended March 31, 2025.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 30, 2025

FINWARD BANCORP

By: /s/ Benjamin L. Schmitt

Name: Benjamin L. Schmitt

Title: Executive Vice President, Chief Financial Officer and Treasurer

fnwd-20250128false000091986400009198642025-01-282025-01-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2025

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana001-4099935-1927981 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

9204 Columbia Avenue Munster, Indiana 46321 (Address of principal executive offices) (Zip Code) (219) 836-4400 (Registrant's telephone number, including area code) N/A (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common stock, no par valueFNWDThe NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company          o If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.          o

Item 2.02.         Results of Operations and Financial Condition On January 28, 2025, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and twelve months ended December 31, 2024. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.         Financial Statements and Exhibits. (d)Exhibits.

99.1Earnings release for the quarter and twelve months ended December 31, 2024, and Unaudited Consolidated Condensed Balance Sheets as of December 31, 2024, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and twelve months ended December 31, 2024.

104Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Date: January 28, 2025

FINWARD BANCORP

By:/s/ Benjamin L. Schmitt Name: Benjamin L. Schmitt Title: Executive Vice President, Chief Financial Officer and Treasurer

fnwd20241028_8k.htm

false 0000919864

0000919864

2024-10-29 2024-10-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 29, 2024

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana

001-40999

35-1927981

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On October 29, 2024, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and nine months ended September 30, 2024. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d)

Exhibits.

99.1

Earnings release for the quarter and nine months ended September 30, 2024, and Unaudited Consolidated Condensed Balance Sheets as of September 30, 2024, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and nine months ended September 30, 2024.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 29, 2024

FINWARD BANCORP

By:

/s/ Benjamin L. Schmitt

Name: Benjamin L. Schmitt

Title: Senior Vice President, Chief Financial Officer and Treasurer

fnwd20240726_8ka.htm

Form 8-K/A date of report 07-24-24 true 0000919864

0000919864

2024-07-24 2024-07-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K/A

(Amendment No. 1)

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 24, 2024

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana

001-40999

35-1927981

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On July 24, 2024, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and six months ended June 30, 2024 (the “Original Earnings Release”).  On July 30, 2024, the Bancorp issued a revised earnings release (the “Revised Earnings Release”) to correct certain tables and figures contained in the Original Earnings Release.  Specifically, the Revised Earnings Release (i) corrects the “Performance Ratios” table set forth in the rear portion of the Original Earnings Release to include line items for return on equity, return on assets, tax adjusted net interest margin, noninterest income / average assets, noninterest expense / average assets, and efficiency ratio which were inadvertently not included in the version of the original press release issued through the Bancorp’s press release distribution service, and corrects the amounts disclosed in the line items in the table for basic earnings per share (from $0.03 to $2.21), diluted earnings per share ($0.03 to $2.21), and price to earnings per share ratio (from 730.40 to 5.54) under the column for the six months ended June 30, 2024 which were inadvertently included from a prior interim version of the press release; (ii) corrects calculations in the “Performance Ratios” and “Capital Adequacy Bank” tables for the line items common equity tier 1 capital to risk-weighted assets (from 11.23% to 10.94%), tier 1 capital to risk-weighted assets (from 11.23% to 10.94%), and total capital to risk-weighted assets (from 12.27% to 11.95%); (iii) corrects the “Balance Sheet” table set forth in the rear portion of the Original Earnings Release to include figures in the line item for Federal funds sold for the periods ended June 30, 2024, March 31, 2024, and December 31, 2023 which were inadvertently not included in the version of the original press release issued through the Bancorp’s press release distribution service; and (iv) corrects the amount listed in the “Securities Portfolio” paragraph for securities yield for the three months ended (from 2.39% to 2.37%).  No other figures in the Original Earnings Release were corrected pursuant to the Revised Earnings Release.

This Amendment No. 1 on Form 8-K/A is being furnished to report the issuance of the Revised Earnings Release which was issued through the Bancorp’s press release distribution service on July 30, 2024. A copy of the Revised Earnings Release is furnished as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d)

Exhibits.

99.1

Earnings release for the quarter and six months ended June 30, 2024, and Unaudited Consolidated Condensed Balance Sheets as of June 30, 2024, and Consolidated Condensed Statements of Income and Selected Financial Data for the

fnwd20240718_8k.htm

false 0000919864

0000919864

2024-07-24 2024-07-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 24, 2024

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana

001-40999

35-1927981

(State or other jurisdiction of

incorporation)

(Commission File Number)

(IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On July 24, 2024, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and six months ended June 30, 2024. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter and six months ended June 30, 2024, and Unaudited Consolidated Condensed Balance Sheets as of June 30, 2024, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and six months ended June 30, 2024.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: July 24, 2024

FINWARD BANCORP

By: /s/ Benjamin L. Schmitt

Name: Benjamin L. Schmitt

Title: Senior Vice President, Chief Financial Officer

and Treasurer

fnwd20240418_8k.htm

false 0000919864

0000919864

2024-04-24 2024-04-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 24, 2024

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 001-40999 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On April 24, 2024, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter ending March 31, 2024. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter ended March 31, 2024, and Unaudited Consolidated Condensed Balance Sheets as of March 31, 2024, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter ended March 31, 2024.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 24, 2024

FINWARD BANCORP

By: /s/ Benjamin J. Bochnowski

Name: Benjamin J. Bochnowski

Title: President and Chief Executive Officer

fnwd20240126_8k.htm

false 0000919864

0000919864

2024-01-30 2024-01-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 30, 2024

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 000-26128 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On January 30, 2024, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and twelve months ending December 31, 2023. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter and twelve months ended December 31, 2023, and Unaudited Consolidated Condensed Balance Sheets as of December 31, 2023, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and twelve months ended December 31, 2023.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: January 30, 2024

FINWARD BANCORP

By:

/s/ Benjamin J. Bochnowski

Name: Benjamin J. Bochnowski

Title: President and Chief Executive Officer

fnwd20231024_8k.htm

false 0000919864

0000919864

2023-10-25 2023-10-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 25, 2023

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 000-26128 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On October 25, 2023, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and nine months ending September 30, 2023. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter and nine months ended September 30, 2023, and Unaudited Consolidated Condensed Balance Sheets as of September 30, 2023, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and nine months ended September 30, 2023.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 25, 2023

FINWARD BANCORP

By: /s/ Benjamin J. Bochnowski

Name: Benjamin J. Bochnowski

Title: President and Chief Executive Officer

fnwd20230725_8k.htm

false 0000919864

0000919864

2023-07-26 2023-07-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 26, 2023

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 000-26128 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On July 26, 2023, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and six months ending June 30, 2023. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d)

Exhibits.

99.1

Earnings release for the quarter and six months ended June 30, 2023, and Unaudited Consolidated Condensed Balance Sheets as of June 30, 2023, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and six months ended June 30, 2023.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: July 26, 2023

FINWARD BANCORP

By:

/s/ Peymon S. Torabi

Name: Peymon S. Torabi

Title: Executive Vice President, Chief

Financial Officer and Treasurer

fnwd20230425_8k.htm

false 0000919864

0000919864

2023-04-26 2023-04-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 26, 2023

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 001-40999 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.        Results of Operations and Financial Condition

On April 26, 2023, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter ending March 31, 2023. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.         Financial Statements and Exhibits.

(d)

Exhibits.

99.1

Earnings release for the quarter ended March 31, 2023, and Unaudited Consolidated Condensed Balance Sheets as of March 31, 2023, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter ended March 31, 2023.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 26, 2023

FINWARD BANCORP

By:

/s/ Peymon S. Torabi

Name: Peymon S. Torabi

Title: Executive Vice President, Chief

Financial Officer and Treasurer

fnwd20230124_8k.htm

false 0000919864

0000919864

2023-01-25 2023-01-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 25, 2023

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 001-40999 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On January 25, 2023, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and twelve months ending December 31, 2022. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter and twelve months ended December 31, 2022, and Unaudited Consolidated Condensed Balance Sheets as of December 31, 2022, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and twelve months ended December 31, 2022.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: January 25, 2023

FINWARD BANCORP

By:

/s/ Peymon S. Torabi

Name: Peymon S. Torabi

Title: Executive Vice President, Chief

Financial Officer and Treasurer

fnwd20221024_8k.htm

false 0000919864

0000919864

2022-10-25 2022-10-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 25, 2022

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana

000-26128

35-1927981

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On October 25, 2022, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and nine months ending September 30, 2022. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter and nine months ended September 30, 2022, and Unaudited Consolidated Condensed Balance Sheets as of September 30, 2022, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and nine months ended September 30, 2022.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 25, 2022

FINWARD BANCORP

By:

/s/ Peymon S. Torabi

Name: Peymon S. Torabi

Title: Executive Vice President, Chief

Financial Officer and Treasurer

fnwd20220725_8k.htm

false 0000919864

0000919864

2022-07-27 2022-07-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 27, 2022

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 000-26128 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.        ☐

Item 2.02.

Results of Operations and Financial Condition

On July 27, 2022, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and six months ending June 30, 2022. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter and six months ended June 30, 2022, and Unaudited Consolidated Condensed Balance Sheets as of June 30, 2022, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and six months ended June 30, 2022.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: July 27, 2022

FINWARD BANCORP

By:

/s/ Peymon S. Torabi

Name: Peymon S. Torabi

Title: Executive Vice President, Chief

Financial Officer and Treasurer

fnwd20220426_8k.htm

false 0000919864

0000919864

2022-04-27 2022-04-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 27, 2022

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 000-26128 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None.

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.        ☐

Item 2.02.

Results of Operations and Financial Condition

On April 27, 2022, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the three months ending March 31, 2022. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the three months ended March 31, 2022, and Unaudited Consolidated Condensed Balance Sheets as of March 31, 2022, and Consolidated Condensed Statements of Income and Selected Financial Data for the three months ended March 31, 2022.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: April 27, 2022

FINWARD BANCORP

By:

/s/ Peymon S. Torabi

Name: Peymon S. Torabi

Title: Executive Vice President, Chief

Financial Officer and Treasurer

fnwd20220124_8k.htm

false 0000919864

0000919864

2022-01-26 2022-01-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 26, 2022

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 000-26128 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On January 26, 2022, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and twelve months ending December 31, 2021. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter and twelve months ended December 31, 2021, and Unaudited Consolidated Condensed Balance Sheets as of December 31, 2021, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and twelve months ended December 31, 2021.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: January 26, 2022

FINWARD BANCORP

By:

/s/ Peymon S. Torabi

Name: Peymon S. Torabi

Title: Executive Vice President, Chief

Financial Officer and Treasurer

fnwd20211107_8k.htm

false 0000919864

0000919864

2021-11-09 2021-11-09

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): November 9, 2021

FINWARD BANCORP

(Exact name of registrant as specified in its charter)

Indiana 000-26128 35-1927981

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

9204 Columbia Avenue

Munster, Indiana 46321

(Address of principal executive offices) (Zip Code)

(219) 836-4400

(Registrant's telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

FNWD

The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company         ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.         ☐

Item 2.02.

Results of Operations and Financial Condition

On November 9, 2021, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter and nine months ending September 30, 2021. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.

99.1

Earnings release for the quarter and nine months ended September 30, 2021, and Unaudited Consolidated Condensed Balance Sheets as of September 30, 2021, and Consolidated Condensed Statements of Income and Selected Financial Data for the quarter and nine months ended September 30, 2021.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: November 9, 2021

FINWARD BANCORP

By:

/s/ Peymon S. Torabi

Name: Peymon S. Torabi

Title: Executive Vice President, Chief

Financial Officer and Treasurer