Bridgewater Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bridgewater Bank of Saint Louis Park, MN against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.34% | -0.16% | 41st below |
| ROAE | 10.12% | 12.40% | -2.28% | 31st below |
| Net Interest Margin | 3.19% | 3.83% | -0.64% | 21st bottom |
| Efficiency Ratio | 48.67% | 57.84% | -9.17% | 77th top |
| PPNR / Avg Assets | 1.61% | — | — | 41st below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.68% | 5.71% | -0.03% | 59th above |
| Cost of Funds | 2.78% | 2.02% | +0.76% | 12th bottom |
| Net Interest Spread | 2.31% | — | — | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.49% | 1.00% | -0.51% | 59th above |
| NPA / Total Assets | 0.40% | — | — | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 46th below |
| ACL / Total Loans | 1.30% | — | — | 69th above |
| ACL / NPLs (Coverage) | 265.23% | — | — | 66th above |
| Texas Ratio | 3.23% | 5.47% | -2.24% | 54th above |
| Provision / NCO | 205.41% | — | — | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.73% | 14.99% | -2.26% | 37th below |
| Tier 1 Ratio | 12.73% | 15.02% | -2.29% | 37th below |
| Total Capital Ratio | 13.98% | — | — | 39th below |
| Leverage Ratio | 11.65% | 11.11% | +0.54% | 72nd above |
| Equity / Assets | 11.73% | 11.02% | +0.71% | 73rd above |
| TCE / Tangible Assets | 11.43% | — | — | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.32% | 86.99% | +14.33% | 14th bottom |
| Core Deposit Ratio | 77.10% | 85.57% | -8.47% | 17th bottom |
| Uninsured Deposit Ratio | 26.16% | 33.19% | -7.03% | 68th above |
| Wholesale Funding Ratio | 6.06% | — | — | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.68% | — | — | 24th bottom |
| Loan Growth (Y/Y) | 6.76% | — | — | 56th above |
| Deposit Growth (Y/Y) | 1.91% | — | — | 28th below |
See Bridgewater Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bridgewater Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bridgewater Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bridgewater Bank peer analysis.