Bridgewater Bank
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
$5.4BAssets
$4.4BLoans
$4.4BDeposits
$631.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 75% of banks $1B-$10B in assets (rank 84 of 328).
- Widest gap: net interest margin trails 77% of banks $1B-$10B in assets (rank 253 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $77.0M · efficiency ratio beats 75% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |