BRIDGEWATER BANK

SAINT LOUIS PARK, MN | Large | Est. Nov. 2, 2005, midnight | FDIC #58210 | RSSD #3378773 | FDIC
Latest Report: 2025-12-31

BRIDGEWATER BANK is aln large FDIC-insured commercial bank headquartered in SAINT LOUIS PARK, MN, established in Nov. 2, 2005, midnight. As of 2025-12-31, the bank reported total assets of $5.4B and total deposits of $4.3B. Profitability stands at 1.12% ROA and 10.30% ROE, with a net interest margin of 3.04%. The bank's CET1 capital ratio is 12.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 3.38%. FDIC Certificate #58210.

Assets

$5.4B

Deposits

$4.3B

Loans

$4.3B

Equity

$595M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 10.30%
Net Interest Margin (NIM) 3.04%
Yield on Assets 5.93%
Cost of Funds 5.01%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.38%
NPA Ratio 0.41%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 12.24%
Tier 1 Capital 12.24%
Total Capital Ratio 13.49%
Leverage Ratio 10.65%
Loan-to-Deposit 99.02%

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