Finward Bancorp Quarterly report [Sections 13 or 15(d)]

Quarterly report [Sections 13 or 15(d)]

Loans Receivable - Schedule of Credit Quality Indicators (Details)

Loans Receivable - Schedule of Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024	Dec. 31, 2024
Total Loans Receivable
2025	$ 96,295		$ 96,295		$ 124,670
2024	125,770		125,770		143,098
2023	128,741		128,741		291,855
2022	272,358		272,358		308,352
2021	271,138		271,138		211,268
Prior	474,161		474,161		324,738
Revolving	102,022		102,022		102,602
Revolving Converted to Term	1,479		1,479		0
Total	1,471,964		1,471,964		1,506,583
Total current period gross charge-off
2025			(33)		(64)
2024			0		0
2023			(44)		(1,010)
2022			0		(125)
2021			(2)		(2)
Prior			(339)		(1,267)
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	(290)	$ (47)	(418)	$ (156)	(2,468)
Residential real estate
Total Loans Receivable
2025	9,036		9,036		13,118
2024	17,218		17,218		31,857
2023	29,600		29,600		91,850
2022	85,799		85,799		101,055
2021	96,674		96,674		103,616
Prior	208,215		208,215		123,329
Revolving	3,465		3,465		2,468
Revolving Converted to Term	0		0		0
Total	450,007		450,007		467,293
Total current period gross charge-off
2025			0		0
2024			0		0
2023			0		0
2022			0		0
2021			0		0
Prior			0		(28)
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	0	(28)	0	(28)	(28)
Residential real estate \| Pass
Total Loans Receivable
2025	8,909		8,909		13,118
2024	17,218		17,218		30,947
2023	28,272		28,272		90,324
2022	82,991		82,991		99,390
2021	95,407		95,407		102,552
Prior	202,715		202,715		119,449
Revolving	3,465		3,465		2,468
Revolving Converted to Term	0		0		0
Total	438,977		438,977		458,248
Residential real estate \| Special Mention
Total Loans Receivable
2025	0		0		0
2024	0		0		371
2023	459		459		365
2022	1,324		1,324		1,064
2021	739		739		554
Prior	2,610		2,610		1,937
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	5,132		5,132		4,291
Residential real estate \| Substandard
Total Loans Receivable
2025	127		127		0
2024	0		0		539
2023	869		869		1,161
2022	1,484		1,484		601
2021	528		528		510
Prior	2,890		2,890		1,943
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	5,898		5,898		4,754
Home equity
Total Loans Receivable
2025	626		626		219
2024	122		122		200
2023	50		50		291
2022	239		239		110
2021	71		71		3
Prior	2,629		2,629		3,575
Revolving	46,597		46,597		45,360
Revolving Converted to Term	1,479		1,479		0
Total	51,813		51,813		49,758
Total current period gross charge-off
2025			0		0
2024			0		0
2023			0		0
2022			0		0
2021			0		0
Prior			0		0
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	0	0	0	0	0
Home equity \| Pass
Total Loans Receivable
2025	626		626		193
2024	94		94		68
2023	43		43		153
2022	239		239		110
2021	51		51		0
Prior	2,338		2,338		3,342
Revolving	46,043		46,043		44,943
Revolving Converted to Term	1,032		1,032		0
Total	50,466		50,466		48,809
Home equity \| Special Mention
Total Loans Receivable
2025	0		0		0
2024	28		28		132
2023	7		7		0
2022	0		0		0
2021	20		20		3
Prior	74		74		15
Revolving	145		145		309
Revolving Converted to Term	186		186		0
Total	460		460		459
Home equity \| Substandard
Total Loans Receivable
2025	0		0		26
2024	0		0		0
2023	0		0		138
2022	0		0		0
2021	0		0		0
Prior	217		217		218
Revolving	409		409		108
Revolving Converted to Term	261		261		0
Total	887		887		490
Commercial real estate
Total Loans Receivable
2025	46,065		46,065		50,835
2024	60,877		60,877		67,290
2023	66,036		66,036		124,378
2022	116,515		116,515		98,581
2021	87,714		87,714		54,734
Prior	183,984		183,984		152,855
Revolving	3,367		3,367		3,001
Revolving Converted to Term	0		0		0
Total	564,558		564,558		551,674
Total current period gross charge-off
2025			0		0
2024			0		0
2023			0		0
2022			0		0
2021			0		0
Prior			0		0
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	0	0	0	0	0
Commercial real estate \| Pass
Total Loans Receivable
2025	46,040		46,040		49,861
2024	60,004		60,004		67,290
2023	63,815		63,815		123,342
2022	110,836		110,836		96,206
2021	84,291		84,291		53,864
Prior	176,061		176,061		148,529
Revolving	3,367		3,367		2,976
Revolving Converted to Term	0		0		0
Total	544,414		544,414		542,068
Commercial real estate \| Special Mention
Total Loans Receivable
2025	25		25		974
2024	873		873		0
2023	2,221		2,221		1,036
2022	4,853		4,853		2,375
2021	3,423		3,423		668
Prior	6,685		6,685		2,930
Revolving	0		0		25
Revolving Converted to Term	0		0		0
Total	18,080		18,080		8,008
Commercial real estate \| Substandard
Total Loans Receivable
2025	0		0		0
2024	0		0		0
2023	0		0		0
2022	826		826		0
2021	0		0		202
Prior	1,238		1,238		1,396
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	2,064		2,064		1,598
Construction and land development
Total Loans Receivable
2025	26,125		26,125		34,599
2024	26,218		26,218		25,378
2023	17,190		17,190		3,732
2022	3,229		3,229		10,341
2021	2,803		2,803		2,692
Prior	1,010		1,010		820
Revolving	3,103		3,103		5,312
Revolving Converted to Term	0		0		0
Total	79,678		79,678		82,874
Total current period gross charge-off
2025			0		0
2024			0		0
2023			0		0
2022			0		0
2021			0		0
Prior			0		0
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	0	0	0	0	0
Construction and land development \| Pass
Total Loans Receivable
2025	26,125		26,125		34,599
2024	26,218		26,218		24,360
2023	16,188		16,188		3,732
2022	3,165		3,165		7,867
2021	1,562		1,562		224
Prior	1,010		1,010		820
Revolving	3,103		3,103		5,312
Revolving Converted to Term	0		0		0
Total	77,371		77,371		76,914
Construction and land development \| Special Mention
Total Loans Receivable
2025					0
2024					0
2023					0
2022					1,207
2021					2,468
Prior					0
Revolving					0
Revolving Converted to Term					0
Total					3,675
Construction and land development \| Substandard
Total Loans Receivable
2025	0		0		0
2024	0		0		1,018
2023	1,002		1,002		0
2022	64		64		1,267
2021	1,241		1,241		0
Prior	0		0		0
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	2,307		2,307		2,285
Multifamily
Total Loans Receivable
2025	4,302		4,302		6,398
2024	6,317		6,317		8,923
2023	8,267		8,267		57,997
2022	55,722		55,722		79,267
2021	67,017		67,017		38,808
Prior	50,727		50,727		20,435
Revolving	346		346		627
Revolving Converted to Term	0		0		0
Total	192,698		192,698		212,455
Total current period gross charge-off
2025			0		0
2024			0		0
2023			0		0
2022			0		(125)
2021			0		0
Prior			(46)		0
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	0	0	(46)	(66)	(125)
Multifamily \| Pass
Total Loans Receivable
2025	4,040		4,040		6,398
2024	6,317		6,317		8,923
2023	8,059		8,059		56,771
2022	54,547		54,547		74,716
2021	66,642		66,642		36,075
Prior	48,206		48,206		20,066
Revolving	346		346		627
Revolving Converted to Term	0		0		0
Total	188,157		188,157		203,576
Multifamily \| Special Mention
Total Loans Receivable
2025	262		262		0
2024	0		0		0
2023	0		0		780
2022	758		758		3,332
2021	375		375		1,217
Prior	1,414		1,414		0
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	2,809		2,809		5,329
Multifamily \| Substandard
Total Loans Receivable
2025	0		0		0
2024	0		0		0
2023	208		208		446
2022	417		417		1,219
2021	0		0		1,516
Prior	1,107		1,107		369
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	1,732		1,732		3,550
Commercial business
Total Loans Receivable
2025	5,177		5,177		14,655
2024	12,623		12,623		9,287
2023	7,512		7,512		10,499
2022	8,039		8,039		6,304
2021	5,054		5,054		3,830
Prior	12,643		12,643		13,837
Revolving	45,144		45,144		45,834
Revolving Converted to Term	0		0		0
Total	96,192		96,192		104,246
Total current period gross charge-off
2025			0		0
2024			0		0
2023			(44)		(1,010)
2022			0		0
2021			0		0
Prior			(293)		(1,239)
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	(276)		(337)	(2)	(2,249)
Commercial business \| Pass
Total Loans Receivable
2025	4,972		4,972		14,655
2024	12,472		12,472		8,123
2023	6,226		6,226		9,441
2022	7,795		7,795		6,094
2021	4,902		4,902		3,653
Prior	11,562		11,562		11,416
Revolving	43,819		43,819		44,046
Revolving Converted to Term	0		0		0
Total	91,748		91,748		97,428
Commercial business \| Special Mention
Total Loans Receivable
2025	47		47		0
2024	64		64		25
2023	326		326		978
2022	65		65		39
2021	24		24		0
Prior	0		0		800
Revolving	1,234		1,234		1,686
Revolving Converted to Term	0		0		0
Total	1,760		1,760		3,528
Commercial business \| Substandard
Total Loans Receivable
2025	158		158		0
2024	87		87		1,139
2023	960		960		80
2022	179		179		171
2021	128		128		177
Prior	1,081		1,081		1,621
Revolving	91		91		102
Revolving Converted to Term	0		0		0
Total	2,684		2,684		3,290
Consumer
Total Loans Receivable
2025	154		154		301
2024	65		65		163
2023	86		86		34
2022	22		22		51
2021	21		21		0
Prior	0		0		2
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	348		348		551
Total current period gross charge-off
2025			(33)		(64)
2024			0		0
2023			0		0
2022			0		0
2021			(2)		(2)
Prior			0		0
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	(14)	(17)	(35)	(60)	(66)
Consumer \| Pass
Total Loans Receivable
2025	154		154		301
2024	65		65		163
2023	86		86		34
2022	22		22		51
2021	21		21		0
Prior	0		0		2
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	348		348		551
Consumer \| Substandard
Total Loans Receivable
2025					0
2024					0
2023					0
2022					0
2021					0
Prior					0
Revolving					0
Revolving Converted to Term					0
Total					0
Manufactured homes
Total Loans Receivable
2025	0		0		0
2024	0		0		0
2023	0		0		1,634
2022	1,749		1,749		11,388
2021	10,707		10,707		7,585
Prior	11,916		11,916		6,101
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	24,372		24,372		26,708
Total current period gross charge-off
2025			0		0
2024			0		0
2023			0		0
2022			0		0
2021			0		0
Prior			0		0
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	0	0	0	0	0
Manufactured homes \| Pass
Total Loans Receivable
2025	0		0		0
2024	0		0		0
2023	0		0		1,634
2022	1,749		1,749		11,360
2021	10,707		10,707		7,559
Prior	11,826		11,826		6,101
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	24,282		24,282		26,654
Manufactured homes \| Special Mention
Total Loans Receivable
2025	0		0
2024	0		0
2023	0		0
2022	0		0
2021	0		0
Prior	90		90
Revolving	0		0
Revolving Converted to Term	0		0
Total	90		90
Manufactured homes \| Substandard
Total Loans Receivable
2025	0		0		0
2024	0		0		0
2023	0		0		0
2022	0		0		28
2021	0		0		26
Prior	0		0		0
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	0		0		54
Government
Total Loans Receivable
2025	4,810		4,810		4,545
2024	2,330		2,330		0
2023	0		0		1,440
2022	1,044		1,044		1,255
2021	1,077		1,077		0
Prior	3,037		3,037		3,784
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	12,298		12,298		11,024
Total current period gross charge-off
2025			0		0
2024			0		0
2023			0		0
2022			0		0
2021			0		0
Prior			0		0
Revolving			0		0
Revolving Converted to Term			0		0
Charge-offs	0	$ 0	0	$ 0	0
Government \| Pass
Total Loans Receivable
2025	4,810		4,810		4,545
2024	2,330		2,330		0
2023	0		0		1,440
2022	1,044		1,044		1,255
2021	1,077		1,077		0
Prior	3,037		3,037		3,784
Revolving	0		0		0
Revolving Converted to Term	0		0		0
Total	$ 12,298		$ 12,298		$ 11,024