Risk factors

Finward Bancorp (FNWD) risk factors

Item 1A of every Finward Bancorp 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    34 risks, 3 new, 8 dropped, 7 reworded since the prior year. Finward Bancorp faces heightened regulatory oversight and emerging deposit competition from alternative fintech platforms and digital assets like stablecoins. The bank updated its portfolio metrics, showing commercial real estate loans at $555.6 million and fixed-rate loans at $636.9 million.

    Filed Mar 25, 2026
  • FY2024 10-K risk factors

    39 risks. Finward Bancorp faces concentrated geographic and lending risks in Indiana and Illinois markets. Regulatory oversight and compliance under a Consent Order dominate operations. Fixed-rate loans and investment portfolio unrealized losses strain liquidity and capital.

    Filed Mar 31, 2025