Munster, IN · Cert 29523 · Finward Bcorp
State charter, non-member · FDIC · 24 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.3% share · #42 of 147 inst. · $1.7B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.59% | 0.09% | 0.26% | 0.40% | 0.40% | 0.45% | 0.43% | +17 bps | |
| Return on Equity | 8.99% | 8.15% | 1.27% | 3.51% | 5.31% | 5.13% | 5.27% | 5.02% | +151 bps | |
| Net Interest Margin | 2.26% | 2.28% | 2.54% | 2.61% | 2.64% | 2.72% | 2.96% | 2.97% | +36 bps | |
| Efficiency Ratio | 77.39% | 79.19% | 91.54% | 89.44% | 86.27% | 84.90% | 83.75% | 83.84% | -560 bps | |
| Non-Interest Burden | 1.52% | 1.62% | 2.29% | 2.29% | 2.22% | 2.23% | 2.39% | 2.40% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.55% | -2.20% | -1.49% | -0.98% | -1.10% | -2.04% | -1.33% | -0.87% | +11 bps | |
| Loan Growth (YoY) | -1.11% | -0.18% | -0.95% | -1.49% | -2.28% | -3.89% | -2.64% | 1.33% | +282 bps | |
| Deposit Growth (YoY) | -1.94% | -2.91% | 0.14% | -0.27% | -0.02% | -2.10% | -1.95% | -1.30% | -103 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 0.91% | 0.84% | 0.92% | 0.94% | 0.82% | 0.85% | 1.10% | +18 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.14% | 0.01% | -0.05% | -0.01% | 0.01% | 0.00% | 0.00% | +5 bps | |
| Allowance / Loans | 1.23% | 1.12% | 1.20% | 1.22% | 1.22% | 1.21% | 1.19% | 1.18% | -5 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.4x | 1.3x | 1.3x | 1.5x | 1.4x | 1.1x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.38% | 8.47% | 8.48% | 8.69% | 8.77% | 8.93% | 9.24% | 9.31% | +63 bps | |
| Total Risk-Based Capital | 12.14% | 12.19% | 12.27% | 12.55% | 12.72% | 13.09% | 13.27% | 13.03% | +48 bps | |
| Equity / Assets | 7.60% | 7.27% | 7.36% | 7.44% | 8.01% | 8.59% | 8.50% | 8.67% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.20% | 85.59% | 85.22% | 84.57% | 84.25% | 84.02% | 84.62% | 86.82% | +225 bps | |
| Liquid Assets / Assets | 2.31% | 2.52% | 2.59% | 3.89% | 4.10% | 5.02% | 5.11% | 3.74% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 453% | 439% | 440% | n/a | n/a | |