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Bridgewater Bank
Saint Louis Park, MN·FDIC Cert #58210·Charter: STATE·Est. 20051102.0·HC: BRIDGEWATER BANCSHARES INC
Total Assets
$5.4B
Q4 2025
Return on Assets
0.99%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.02%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.99%+0.04
ROE
9.35%+0.33
Efficiency
50.02%-0.71
Equity/Assets
0.00%+0.00
NPL Ratio
0.52%+0.28
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
97.72%+1.63
Charge-offs
0.04%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.9 | 0.9 | 1.0 |
| ROE | 7.3 | 7.4 | 7.5 | 7.4 | 8.1 | 8.8 | 9.0 | 9.3 |
| Efficiency | 53.7 | 54.1 | 54.1 | 53.8 | 52.2 | 50.8 | 50.7 | 50.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.2 | 0.0 | 0.3 | 0.2 | 0.2 | 0.5 |
| Charge-offs | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 97.3 | 97.9 | 96.3 | 92.8 | 94.7 | 95.4 | 96.1 | 97.7 |
Balance Sheet
Total Assets$5.4B
Total Deposits$4.3B
Total Loans$4.2B
Total Equity$595.0M
Profitability
ROA0.99%
ROE9.35%
Efficiency Ratio50.02%
Net Income$52.0M
Risk & Asset Quality
NPL Ratio0.52%
Charge-off Rate0.04%
Loan/Deposit97.72%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans