Welcome to our dedicated page for Finward Bancorp SEC filings (Ticker: FNWD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Finward Bancorp (NASDAQ: FNWD) SEC filings page provides access to the company’s official reports filed with the U.S. Securities and Exchange Commission. Finward Bancorp is a financial holding company based in Munster, Indiana, whose activities are primarily limited to holding the stock of Peoples Bank, an Indiana state-chartered commercial bank. Through these filings, investors can review how the company reports its financial condition, results of operations, capital position, and material events.
Recent Form 8-K filings show that Finward Bancorp uses current reports to disclose quarterly financial results, dividend declarations, investor presentations, and regulatory developments. For example, the company has filed 8-Ks to furnish press releases reporting unaudited quarterly results, to announce cash dividends on common stock, and to describe the termination of a Consent Order relating to Peoples Bank’s Bank Secrecy Act and anti-money laundering compliance program. Another 8-K notes that Finward presented financial and other information to investors at a banking forum.
In addition to current reports, investors can review Finward Bancorp’s periodic reports such as Forms 10-K and 10-Q, which provide more detailed discussions of earnings, funding, asset quality, allowance for credit losses, and regulatory capital. The company also explains in its disclosures how it uses non-GAAP measures, including net interest margin on a tax-equivalent basis, tangible common equity, tangible book value per share, and efficiency ratio, alongside GAAP results.
On Stock Titan, these filings are supplemented with AI-powered summaries that highlight key points from lengthy documents, helping users quickly identify important changes in performance, capital, liquidity, and regulatory matters. The platform also surfaces real-time updates from EDGAR, making it easier to track new 8-Ks, 10-Qs, 10-Ks, and other submissions for FNWD without manually searching the SEC’s database.
For users interested in topics such as dividend policy, non-GAAP metrics, regulatory actions involving Peoples Bank, or management’s discussion of asset quality and capital adequacy, this page offers a structured view of Finward Bancorp’s SEC reporting history with AI-generated context.
Finward Bancorp is asking shareholders to vote at its virtual annual meeting on May 21, 2026. Holders of 4,330,486 common shares as of March 20, 2026 can vote online.
Shareholders will elect three Class II directors through 2029, ratify Forvis Mazars, LLP as 2026 auditors, and cast an advisory vote on executive pay. The proxy details board refresh actions, including director Danette Garza’s planned retirement and Jennifer Evans becoming chair, governance policies on risk oversight, hedging and clawbacks, and 2025 compensation, with CEO Benjamin Bochnowski earning $480,686 and a 2025 Omnibus equity plan covering up to 270,727 shares.
Garza Danette reported acquisition or exercise transactions in this Form 4 filing.
Finward Bancorp director Danette Garza received a grant of 434 FNWD common shares on July 11, 2025 at a reported value of $27.63 per share. Following this award, she directly holds 6,453 shares and also has an additional 600 shares held indirectly through an IRA.
Scheub Todd M. reported open-market purchase transactions in this Form 4 filing.
Finward Bancorp Executive Vice President Todd M. Scheub increased his stake through the company’s dividend reinvestment plan. On the transaction date, a profit-sharing account associated with him acquired 38.2979 shares of common stock at $36.50 per share. After this reinvestment, that indirect profit-sharing account held 11,687.7222 shares, and he also reported 7,078 common shares held directly. This type of dividend reinvestment is a routine, automatic way to accumulate additional stock rather than an active open-market trade.
Bochnowski Benjamin J reported open-market purchase transactions in this Form 4 filing.
Finward Bancorp President and CEO Benjamin J. Bochnowski increased his indirect stake in the company through its Dividend Reinvestment Plan. On the transaction date, a profit sharing account associated with him acquired 6.102 shares of common stock at $36.50 per share. After this reinvestment, indirect holdings in this account totaled 1,862.1488 shares, while his direct ownership stood at 30,686 shares of common stock.
Lowry Robert T reported open-market purchase transactions in this Form 4 filing.
Finward Bancorp Executive Vice President Robert T. Lowry increased his stake in the company. On the reported date, he acquired 49.786 shares of common stock at $36.50 per share through a Dividend Reinvestment Plan in an indirect profit-sharing account.
Following this transaction, the profit-sharing account held 15,193.5493 shares. Additional holdings reported as of the same date included 11,215.7252 shares held directly, 2,478.0000 shares held indirectly in an IRA, and 755.0000 shares held indirectly through a spouse.
Finward Bancorp, parent of Peoples Bank in northwest Indiana and the Chicago suburbs, reports a traditional community‑bank model focused on real estate, commercial and consumer lending funded mainly by core deposits.
Total loans receivable were $1.45 billion at December 31, 2025, down modestly from 2024, with real estate loans comprising the bulk of the portfolio. Nonaccrual loans were $11.2 million, or 0.77% of total loans, while the allowance for credit losses was $17.5 million, equal to 1.21% of loans and about 156.8% of nonperforming loans.
The available‑for‑sale securities portfolio totaled $316.2 million, largely municipal and mortgage‑related securities, plus $6.5 million in FHLB stock. Average deposits were about $1.75 billion in 2025, and approximately $503 million of deposits were estimated to be uninsured as of year‑end.
Net interest margin improved to 3.00% on average interest‑earning assets of $1.89 billion. Return on average assets was 0.39% and return on average equity 5.10%, reflecting moderate profitability. Regulatory capital ratios significantly exceeded “well capitalized” thresholds, with a total risk‑based capital ratio of 13.09% and a Tier 1 leverage ratio of 8.93%.
Evans Jennifer reported acquisition or exercise transactions in this Form 4 filing.
Finward Bancorp director Jennifer Evans reported receiving a grant of common stock. She was awarded 434 shares of Finward Bancorp common stock on July 11, 2025 at a stated price of $27.63 per share. Following this compensation-related award, she directly holds 434 common shares.
Finward Bancorp, the holding company for Peoples Bank, announced that its Board of Directors declared a cash dividend of $0.12 per share on its common stock. The dividend is payable on March 31, 2026 to shareholders of record as of the close of business on March 16, 2026.
The company reiterates extensive risk factors and notes a previously disclosed memorandum of understanding between Peoples Bank, the FDIC, and the Indiana Department of Financial Institutions, under which the Bank agreed to refrain from paying cash dividends without prior regulatory approval. Finward also cautions that any future dividends or share repurchases will depend on capital position, financial performance, market conditions, regulatory and accounting considerations, and other factors, so there is no assurance of future dividends or buybacks.
Finward Bancorp Executive Vice President Robert T. Lowry reported multiple holdings updates in the company’s common stock. On February 25, 2026, he acquired 369 shares as a grant or award at $36.60 per share, bringing his direct holdings to 11,215.7252 shares.
On December 30, 2025, he also bought 50.9367 shares of common stock at $35.56 per share through an indirect profit-sharing arrangement, with that account holding 15,143.7633 shares after the transaction. Additional indirect holdings on that date included 2,478 shares in an IRA and 755 shares held by his spouse. A footnote notes that certain shares were acquired through a dividend reinvestment plan.