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Dec 31, 2025
Bridgewater Bank Q4 2025 Earnings Report
Bridgewater Bancshares, Inc. announced its financial results for the fourth quarter of 2025, reporting a net income of $13.3 million and diluted EPS of $0.43.
Key Takeaways
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.
Revenue by Segment
Forward Guidance
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.
Positive Outlook
- Focused on driving profitable growth and gaining market share.
- Continuing to leverage technology investments to support future growth.
- Plans to expand key verticals, including affordable housing, which was a significant growth driver in 2025.
- Anticipates continued growth and net interest margin expansion.
- Strong credit culture is expected to contribute to improving profitability and growing tangible book value.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- Potential for inherent uncertainties, risks, and changes in circumstances that are difficult to predict.
- Exposure to interest rate risk and its effects on interest rates.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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