Bridgewater Bancshares, Inc. reported strong fourth quarter 2025 financial results, with net income of $13.3 million and diluted EPS of $0.43. The company experienced significant revenue growth, well-controlled expenses, and continued momentum in core deposit and loan growth, leading to improved efficiency and tangible book value.
Net income for Q4 2025 was $13.3 million, or $0.43 per diluted common share, with adjusted net income reaching $13.5 million, or $0.44 per diluted common share.
Net interest income increased by $1.6 million, or 4.7%, from the third quarter of 2025, and net interest margin expanded to 2.75%.
Total deposits grew by $27.6 million, or 2.6% annualized, with core deposits increasing by $72.6 million, or 8.8% annualized, from the third quarter of 2025.
Gross loans increased by $95.0 million, or 8.9% annualized, from the third quarter of 2025, demonstrating strong loan originations.
Bridgewater Bancshares, Inc. is focused on driving profitable growth, gaining market share, and leveraging technology investments in 2026, with an emphasis on expanding key verticals like affordable housing.
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