Bridgewater Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Common stock surplus: 17.2% higher than in Q1 2026, at $348.6M. Within Minnesota, Bridgewater Bank is 106th of 162 on CET1 ratio, 12.73% as of Q2 2026. Bridgewater Bank reported 12.73% on CET1 ratio for Q2 2026, 0.77 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.73% |
| Tier 1 risk-based capital ratio | 12.73% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 11.65% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $616.0M |
| Tier 1 capital | $616.0M |
| Total risk-based capital | $676.5M |
| Total equity capital | $631.1M |
| Risk-weighted assets | $4.84B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.73% |
| Tangible equity to tangible assets | 11.43% |
| Equity capital to average assets | 11.90% |
| Internal capital growth rate | 10.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $348.6M |
| Retained earnings | $283.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$593K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.08% | 12.08% | 13.33% | 10.88% | $4.08B |
| Q4 2023 | 12.34% | 12.34% | 13.58% | 10.95% | $4.08B |
| Q1 2024 | 12.48% | 12.48% | 13.73% | 11.12% | $4.12B |
| Q2 2024 | 12.82% | 12.82% | 14.01% | 11.22% | $4.09B |
| Q3 2024 | 13.06% | 13.06% | 14.27% | 11.12% | $4.02B |
| Q4 2024 | 12.24% | 12.24% | 13.49% | 10.86% | $4.25B |
| Q1 2025 | 12.17% | 12.17% | 13.42% | 10.49% | $4.37B |
| Q2 2025 | 12.16% | 12.16% | 13.41% | 10.58% | $4.50B |
| Q3 2025 | 12.18% | 12.18% | 13.43% | 10.43% | $4.61B |
| Q4 2025 | 12.24% | 12.24% | 13.49% | 10.65% | $4.72B |
| Q1 2026 | 12.67% | 12.67% | 13.92% | 11.45% | $4.72B |
| Q2 2026 | 12.73% | 12.73% | 13.98% | 11.65% | $4.84B |
Bridgewater Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bridgewater Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bridgewater Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58210) · FFIEC NIC profile (RSSD 3378773)