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Bridgewater Bank
Saint Louis Park, MN · FDIC Certificate #58210 · Chartered 11/0
Total assets
$5.38B
Total deposits
$4.36B
Total equity
$631.07M
Net loans
$4.36B
Branches (offices)
10
Net income (YTD)
$34.76M
Rank: #274 of 4,213 U.S. banks by assets · #2 of 221 in Minnesota. Assets changed 1.7% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 11.37% |
| Net interest margin (YTD) | 3.09% |
| Equity to assets | 11.73% |
| Tier 1 leverage ratio | 11.65% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 100.0% |
| Real estate loans (share of loans) | 83.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.66B | 83.8% | |
| Commercial & industrial | $576.75M | 13.2% | |
| Consumer / individual | $24.46M | 0.6% | |
| Construction & development | $228.29M | 5.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.88B | $3.24B | $26.61M | $421.04M |
| Jun 2023 | $4.59B | $3.61B | $22.98M | $463.40M |
| Jun 2024 | $4.68B | $3.82B | $18.43M | $511.78M |
| Jun 2025 | $5.29B | $4.28B | $23.62M | $549.68M |
| Jun 2026 | $5.38B | $4.36B | $34.76M | $631.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $4.36B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.36B.
Similar-sized banks
City Bank ($5.39B) · Five Star Bank ($5.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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