Saint Louis Park, MN · Cert 58210 · Bridgewater Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
51
Profitability
42
Liquidity
1
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Louis Park, MN · Cert 58210 · Bridgewater Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 1.7% share · #9 of 125 inst. · $4.4B of $253.2B
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 | 0.81% | 0.79% | 0.85% | 0.92% | 0.95% | 0.99% | 1.42% | 1.30% | +38 bps | |
| Return on Equity | 7.48% | 7.42% | 8.14% | 8.78% | 9.02% | 9.35% | 12.68% | 11.37% | +258 bps | |
| Net Interest Margin | 2.23% | 2.24% | 2.48% | 2.53% | 2.51% | 2.56% | 2.94% | 2.98% | +46 bps | |
| Efficiency Ratio | 54.10% | 53.83% | 52.20% | 50.81% | 50.73% | 50.02% | 52.62% | 51.09% | +28 bps | |
| Non-Interest Burden | 1.15% | 1.14% | 1.23% | 1.20% | 1.20% | 1.20% | 1.48% | 1.45% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 9.78% | 8.68% | 12.99% | 14.23% | 6.73% | 3.83% | 1.68% | -1,131 bps | |
| Loan Growth (YoY) | -0.95% | 3.87% | 6.22% | 9.07% | 14.30% | 11.36% | 8.64% | 6.76% | -231 bps | |
| Deposit Growth (YoY) | 1.77% | 9.85% | 9.17% | 11.93% | 14.55% | 5.78% | 3.52% | 1.91% | -1,002 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.01% | 0.26% | 0.24% | 0.24% | 0.51% | 0.27% | 0.49% | +25 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.00% | 0.00% | 0.01% | 0.03% | 0.05% | 0.04% | +4 bps | |
| Allowance / Loans | 1.39% | 1.35% | 1.34% | 1.35% | 1.34% | 1.31% | 1.31% | 1.30% | -5 bps | |
| Allowance Coverage of NPLs | 6.1x | 173.7x | 5.2x | 5.5x | 5.6x | 2.6x | 4.9x | 2.7x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.12% | 10.86% | 10.49% | 10.58% | 10.43% | 10.65% | 11.45% | 11.65% | +106 bps | |
| Total Risk-Based Capital | 14.27% | 13.49% | 13.42% | 13.41% | 13.43% | 13.49% | 13.92% | 13.98% | +57 bps | |
| Equity / Assets | 11.03% | 10.38% | 10.51% | 10.39% | 10.71% | 11.02% | 11.44% | 11.73% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.61% | 94.06% | 96.02% | 96.72% | 97.40% | 99.02% | 100.77% | 101.32% | +460 bps | |
| Liquid Assets / Assets | 3.79% | 4.17% | 2.93% | 3.71% | 2.12% | 1.96% | 3.88% | 2.85% | -86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 541% | 535% | 520% | n/a | n/a | |
Saint Louis Park, MN · Cert 58210 · Peer group: banks $1B-$10B in assets (n=322-328) · Bridgewater Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.29%
Rank 135 of 328
Net Interest Margin
2.98%
Rank 253 of 328
Efficiency Ratio
51.63%
Rank 84 of 328
Equity / Assets
11.73%
Rank 92 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.91% | 1.22% | 1.52% | Beats 59% | 135 / 328 | ||
| Return on Equity | 11.02% | 8.43% | 11.45% | 14.43% | Beats 45% | 180 / 328 | ||
| Net Interest Margin | 2.98% | 3.03% | 3.45% | 3.83% | Beats 23% | 253 / 328 | ||
| Efficiency Ratio | 51.63% | 51.61% | 59.56% | 67.53% | Beats 75% | 84 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.24% | 0.51% | 1.03% | Beats 52% | 156 / 322 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 50% | 161 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.73% | 11.75% | 13.15% | 15.47% | Beats 44% | 183 / 328 | ||
| Total Risk-Based Capital Ratio | 13.98% | 12.63% | 14.15% | 16.46% | Beats 48% | 171 / 328 | ||
| Equity / Assets | 11.73% | 9.15% | 10.33% | 12.01% | Beats 72% | 92 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.32% | 76.63% | 87.92% | 95.36% | 89th pctl | 35 / 323 | ||
| Loans / Assets | 82.15% | 65.18% | 74.15% | 79.98% | 82nd pctl | 59 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||