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Sep 30, 2025
Bridgewater Bank Q3 2025 Earnings Report
Bridgewater Bancshares, Inc. announced its third quarter 2025 financial results, reporting net income of $11.6 million and diluted earnings per common share of $0.38.
Key Takeaways
Bridgewater Bancshares, Inc. reported a strong third quarter in 2025, with net income of $11.6 million and diluted EPS of $0.38. The company experienced growth in net interest income, loans, and core deposits, alongside stable asset quality and an increase in tangible book value per share.
Net income for the third quarter of 2025 was $11.6 million, or $0.38 per diluted common share.
Net interest income increased by $1.6 million, or 5.1%, from the second quarter of 2025.
Gross loans increased by $68.8 million, or 6.6% annualized, and total deposits increased by $56.0 million, or 5.2% annualized, from the second quarter of 2025.
Tangible book value per share increased by 20.0% annualized from the second quarter of 2025, reaching $14.93.
Revenue by Segment
Forward Guidance
Bridgewater Bancshares, Inc. anticipates continued balance sheet growth and net interest margin expansion, positioning the company for improved profitability trends.
Positive Outlook
- Continued strong net interest income growth is expected due to strategic focus on gaining loan and deposit market share.
- Robust core deposit growth is anticipated to support strong loan growth.
- Loan pipelines are expected to remain near three-year highs.
- The liability-sensitive balance sheet is well positioned to benefit from a rates-down environment.
- Improved profitability trends are expected moving forward due to favorable outlook for balance sheet growth and net interest margin expansion.
Challenges Ahead
- The company did not repurchase any shares of its common stock during the third quarter of 2025.
- The linked-quarter increase in the cost of interest bearing liabilities was primarily due to higher interest bearing deposit balances and higher balances and rates paid on subordinated debentures.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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