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Bridgewater Bancshares (BWB) investor relations material
Bridgewater Bancshares Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Company overview and market position
Headquartered in St. Louis Park, MN, with $5.4B in assets, $4.3B in loans, and $4.3B in deposits as of December 31, 2025.
Operates a branch-light model focused on the Twin Cities, serving a commercial-focused client base.
Second largest locally-led bank in the Twin Cities, with consistent market share gains and strong local brand presence.
Emphasizes commercial real estate (CRE), multifamily, and affordable housing lending.
Completed the acquisition of First Minnetonka City Bank in December 2024, supporting further growth.
Strategic direction and leadership
Led by a seasoned executive team with deep industry experience and strong shareholder alignment.
Maintains a disciplined growth strategy, balancing organic expansion with opportunistic M&A.
Focuses on professional development, employee retention, and a transparent, entrepreneurial culture.
Strategic priorities for 2026 include optimizing profitable growth, expanding affordable housing, leveraging technology, and maintaining strong credit quality.
Financial performance and efficiency
Achieved 19% CAGR in asset growth since 2015, with 11% YoY loan growth in 2025.
Efficiency ratio consistently outperforms peers, supported by a branch-light, CRE-focused model.
Net interest income grew 5% in 4Q25, with net interest margin expanding 12 bps to 2.75%.
Revenue model is 92% spread-based, with increasing noninterest income from swap and advisory fees.
Maintains stable capital and liquidity positions, with CET1 ratio at 9.08% and 1.9x coverage of uninsured deposits.
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