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FNWD • CIK 0000919864
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases Held-in-portfolio | $74,762 | $77,515 | $80,337 | $81,081 |
| Interest and Dividend Income, Securities, Operating | $9,118 | $8,658 | $7,819 | $7,106 |
| Other Interest and Dividend Income | $1,903 | $3,005 | $3,607 | $4,351 |
| Interest and Dividend Income, Operating | $85,783 | $89,178 | $91,763 | $92,538 |
| Interest Expense, Deposits | $25,438 | $35,162 | $31,426 | $29,719 |
| Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase | — | — | $1,430 | $1,217 |
| Interest Expense, Long-term Debt and Capital Securities | — | — | $2,164 | $1,866 |
| InterestExpenseOperating | — | $40,731 | $35,020 | $32,802 |
| Interest Income (Expense), Net | $54,555 | $48,447 | $56,743 | $59,736 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | — | — | $-205 | $-66 |
| Interest Income (Expense), after Provision for Loan Loss | $52,530 | $48,950 | $56,948 | $59,802 |
| Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions | — | — | $2,733 | $2,827 |
| Debt and Equity Securities, Gain (Loss) | $-48 | $-531 | $-1,577 | $-1,577 |
| Life Insurance, Corporate or Bank Owned, Change in Value | $766 | $812 | $1,379 | $1,385 |
| Gain (Loss) on Disposition of Property Plant Equipment | — | — | $-55 | $-235 |
| Noninterest Income, Other | — | — | $122 | $108 |
| Noninterest Income | $10,746 | $22,647 | $9,298 | $9,201 |
| Labor and Related Expense | $27,655 | $27,737 | $29,588 | $30,527 |
| Occupancy, Net | $6,557 | $8,250 | $8,161 | $7,847 |
| Marketing Expense | $840 | $799 | $787 | $1,340 |
| Federal Deposit Insurance Corporation Premium Expense | $2,003 | $1,790 | $1,720 | $1,544 |
| Professional Fees | $1,603 | $5,405 | $4,226 | $4,241 |
| Other Noninterest Expense | $12,115 | $7,246 | $6,624 | $6,048 |
| Noninterest Expense | $55,231 | $58,142 | $58,136 | $58,503 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $8,045 | $13,455 | $8,110 | $10,500 |
| Income Tax Expense (Benefit) | $-335 | $1,325 | $23 | $684 |
| Net Income (Loss) Attributable to Parent | $8,380 | $12,130 | $8,087 | $9,816 |
| Weighted Average Number of Shares Outstanding, Basic | 4,273,824 | 4,259,570 | 4,271,350 | 4,280,571 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 8,458 | 15,063 | 20,708 | 39,377 |
| Weighted Average Number of Shares Outstanding, Diluted | 4,282,282 | 4,274,633 | 4,292,058 | 4,319,948 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $17,942 | $17,883 | $18,265 | $17,384 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $67,647 | $52,047 | $101,382 | $76,270 |
| Federal Funds Sold | $419 | $654 | $0 | $988 |
| Cash, Cash Equivalents, and Federal Funds Sold | $86,008 | $70,584 | $119,647 | $94,642 |
| Debt Securities, Available-for-sale | $371,374 | $333,554 | $316,227 | $310,198 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $340 | $1,253 | $1,096 | $1,083 |
| Financing Receivable, before Allowance for Credit Loss | $1,512,595 | $1,508,976 | $1,450,387 | $1,503,793 |
| Financing Receivable, Allowance for Credit Loss | $18,768 | $16,911 | $17,506 | $17,694 |
| Financing Receivable, after Allowance for Credit Loss | $1,493,827 | $1,492,065 | $1,432,881 | $1,486,099 |
| Federal Home Loan Bank Stock | $6,547 | $6,547 | $6,547 | $6,547 |
| Interest Receivable | $8,045 | $7,721 | $7,781 | $7,671 |
| Property, Plant and Equipment, Net | $38,436 | $47,259 | $44,976 | $43,932 |
| Bank Owned Life Insurance | $32,702 | $33,514 | $33,586 | $34,010 |
| Goodwill | $22,395 | $22,395 | $22,395 | $22,395 |
| Intangible Assets, Net (Excluding Goodwill) | $3,272 | $1,860 | $1,172 | $984 |
| Other Assets | $45,262 | $43,947 | $34,873 | $33,145 |
| Assets | $2,108,279 | $2,060,699 | $2,021,181 | $2,040,706 |
| Noninterest-bearing Deposit Liabilities | $295,594 | $263,324 | $267,441 | $270,682 |
| Interest-bearing Deposit Liabilities | $1,517,827 | $1,497,242 | $1,459,530 | $1,461,862 |
| Deposits | $1,813,421 | $1,760,566 | $1,726,971 | $1,732,544 |
| Federal Funds Purchased and Securities Sold under Agreements to Repurchase | — | — | $39,703 | $30,301 |
| Advances from Federal Home Loan Banks | $80,000 | $65,000 | $45,000 | $65,000 |
| Accrued Liabilities and Other Liabilities | $29,389 | $43,603 | $34,844 | $34,574 |
| Liabilities | $1,960,934 | $1,909,285 | $1,846,518 | $1,862,419 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Additional Paid in Capital, Common Stock | $69,555 | $70,034 | $70,331 | $70,530 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-51,613 | $-58,084 | $-41,662 | $-41,532 |
| Retained Earnings (Accumulated Deficit) | $129,403 | $139,464 | $145,994 | $149,289 |
| Stockholders' Equity Attributable to Parent | $147,345 | $151,414 | $174,663 | $178,287 |
| Preferred Stock, Shares Authorized | 10,000,000 | 10,000,000 | 10,000,000 | 10,000,000 |
| Preferred Stock, Shares Outstanding | 0 | 0 | 0 | 0 |
| Common Stock, Shares, Issued | 4,298,773 | 4,313,698 | 4,326,747 | 4,333,002 |
| Common Stock, Shares, Outstanding | 4,298,773 | 4,298,773 | 4,326,747 | 4,333,002 |
| Dividends Payable | $517 | $518 | $0 | $0 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $8,380 | $12,130 | $8,087 | $9,816 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $54,726 | $-15,424 | $49,063 | $-8,772 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Including Disposal Group and Discontinued Operations | $86,008 | $70,584 | $119,647 | $166,035 |
| Payments for Origination and Purchases of Loans Held-for-sale | $37,939 | $36,779 | $40,875 | $37,972 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $14,332 | $12,653 | $11,431 | $11,292 |
| Proceeds from Loans | $40,217 | $36,955 | $42,275 | $38,818 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $476 | $14,697 | $24,519 | $24,519 |
| Depreciation, Amortization and Accretion, Net | $7,163 | $7,291 | $6,191 | $5,313 |
| Payments for (Proceeds from) Loans and Leases | $6,378 | $-764 | $-57,654 | $10,327 |
| Deferred Income Tax Expense (Benefit) | $-673 | $645 | $-556 | $-556 |
| Payments to Acquire Property, Plant, and Equipment | $1,148 | $3,074 | $853 | $761 |
| Share-based Payment Arrangement, Noncash Expense | $719 | $565 | $447 | $492 |
| Proceeds from Sale of Property, Plant, and Equipment | $799 | $17,677 | $819 | $819 |
| Operating Lease, Payments | — | $1,360 | $1,603 | $1,617 |
| Proceeds from Sale of Foreclosed Assets | $77 | $72 | $0 | $18 |
| Debt and Equity Securities, Gain (Loss) | $-48 | $-531 | $-1,577 | $-1,577 |
| Proceeds from Life Insurance Policy | $0 | — | $1,307 | $1,307 |
| Net Cash Provided by (Used in) Investing Activities | $15,021 | $42,789 | $94,877 | $16,555 |
| Gain (Loss) on Sales of Loans, Net | $1,084 | $1,091 | $1,252 | $1,098 |
| Gain (Loss) on Disposition of Property Plant Equipment | — | — | $-55 | $-235 |
| Gains (Losses) on Sales of Other Real Estate | $-13 | $1 | $0 | $1 |
| Gain (Loss) on Sale of Derivatives | $-3 | $47 | $-33 | $-2 |
| Provision for Loan, Lease, and Other Losses | — | $-503 | $-205 | $-66 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $-2,105 | $-324 | $60 | $20 |
| Increase (Decrease) in Interest Payable, Net | — | $-2,445 | $-337 | $93 |
| Increase (Decrease) in Other Operating Assets | $-3,002 | $-3,502 | $-3,425 | $-2,950 |
| Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities | $1,274 | $3,797 | $-5,832 | $820 |
| Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities | $15,831 | $-2,325 | $1,814 | $7,495 |
| Net Cash Provided by (Used in) Operating Activities | $24,211 | $9,805 | $9,901 | $17,311 |
| Increase (Decrease) in Deposits | $38,404 | $-52,855 | $-33,595 | $-22,306 |
| Proceeds from FHLBank Borrowings, Financing Activities | $80,000 | $150,000 | $40,000 | $55,000 |
| Payments of FHLBank Borrowings, Financing Activities | $120,000 | $165,000 | $60,000 | $55,000 |
| Payments of Ordinary Dividends, Common Stock | $5,335 | $2,069 | $1,557 | $2,077 |
| Net Cash Provided by (Used in) Financing Activities | $15,494 | $-68,018 | $-55,715 | $-42,638 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $28,528 | $43,178 | $35,303 | $34,474 |
| Income Taxes Paid | $241 | $415 | $150 | $430 |
| Dividends Payable | $517 | $518 | $0 | $0 |
| Right-of-Use Asset Obtained in Exchange for Finance Lease Liability | — | — | $0 | $0 |
| Real Estate Owned, Transfer to Real Estate Owned | $135 | $0 | $89 | $89 |