Bridgewater Bancshares Inc (BWB) Form 8-K — Oct 20, 2026

Key figures

Eps

0.49

Net Income

15028000

Roa

1.08%

Cet1 ratio

9.94%

Loan yield

5.96% (up 5 bps from 2Q26)

Diluted eps

$0.49

Total assets

$5.62B (approximately, from TCE reconciliation total assets of $5,615,482 thousand)

Loan growth qoq

$80M, or 7.2% annualized

Ppnr qoq growth

$2.9M, or 60.4% annualized

Efficiency ratio

48.8% (down from 53.0% in 2Q26)

Deposit growth qoq

$127M, or 11.6% annualized

Liquidity capacity

$2.656B

Net interest margin

3.09% (up 2 bps from 2Q26)

Npa to total assets

0.37% (down from 0.40% in 2Q26)

Adjusted diluted eps

$0.49

Tier 1 leverage ratio

8.16%

Variable rate loan mix

26%

Core deposit growth qoq

$165M, or 19.6% annualized

Allowance to total loans

1.28%

Brokered deposit decline

$96M in 3Q26

Total revenue qoq growth

$2.3M, or 22.7% annualized

Net charge offs annualized

0.21% (up from 0.04% in 2Q26)

Uninsured deposit coverage

1.9x

Preferred dividend per share

$36.72

Tangible common equity ratio

8.16%

Tangible book value per share

$16.33 (up 9.4% YoY)

Net interest income qoq growth

$2.1M, or 21.5% annualized

Noninterest expense qoq change

decreased $0.6M, or 10.0% annualized

Total risk based capital ratio

10.02%

Provision for credit losses 3q26

$2.75M

Noninterest bearing deposit growth

$63M in 3Q26

Watch special mention loan decline

$14.9M, or 38.6% QoQ

Return on avg tangible common equity

11.91%

Preferred dividend per depository share

$0.3672

Remaining share repurchase authorization

$12.4M