Bridgewater Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.4% between Q1 2026 and Q2 2026, to $32.2M. Within Minnesota, Bridgewater Bank is 192nd of 221 on net interest margin, 3.19% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bridgewater Bank sits 0.52 points lower, at 3.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 5.89% |
| Yield on securities | 4.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.40% |
| Cost of interest-bearing liabilities | 3.37% |
| Cost of borrowings | 2.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $63.3M |
| Total interest expense | $32.2M |
| Interest expense on deposits | $29.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.16% | 3.04% | 2.45% | 5.30% | 4.44% |
| Q4 2023 | 5.24% | 3.18% | 2.40% | 5.37% | 4.69% |
| Q1 2024 | 5.23% | 3.23% | 2.33% | 5.35% | 4.78% |
| Q2 2024 | 5.36% | 3.40% | 2.33% | 5.47% | 4.92% |
| Q3 2024 | 5.49% | 3.50% | 2.36% | 5.60% | 5.05% |
| Q4 2024 | 5.40% | 3.30% | 2.42% | 5.57% | 4.89% |
| Q1 2025 | 5.33% | 3.05% | 2.56% | 5.54% | 4.75% |
| Q2 2025 | 5.52% | 3.10% | 2.71% | 5.72% | 4.87% |
| Q3 2025 | 5.67% | 3.16% | 2.80% | 5.84% | 5.31% |
| Q4 2025 | 5.61% | 2.98% | 2.90% | 5.83% | 5.03% |
| Q1 2026 | 5.57% | 2.73% | 3.09% | 5.73% | 4.95% |
| Q2 2026 | 5.68% | 2.78% | 3.19% | 5.89% | 4.90% |
Bridgewater Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bridgewater Bank, freeSource: Call Report Schedules RI and RC-K, 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)