BlastPoint's Banking Scorecard

Bridgewater Bank

$1B-$10B Specialty: Commercial MN FDIC cert 58210

Designations: ✓ Community bank

Saint Louis Park, MN

10 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
Deposits +1.9% year over year ($4.4B on the books).
Delinquency rate 0.50%.
Return on assets 1.30%.
Efficiency ratio 51.09% vs a 59.73% peer average.
Loan-to-deposit ratio 100.00% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 17 in MN

View $1B-$10B leaderboard (MN) →

Bridgewater Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 8.64% below tier average
+ Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 41.5% in tier
- Non-Interest Income / Assets 0.44% below tier average
- ROA 0.10% below tier average
- Net Interest Margin 0.78% below tier average

Get updates when Bridgewater Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$5.4B +1.7% YoY +1.0% QoQ	+$2.6B	$2.8B -0.6% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Top 12.8% in tier
Total Loans ?	$4.4B +6.8% YoY +1.4% QoQ	+$2.4B	$2.0B -0.3% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Top 10.2% in tier
Total Deposits ?	$4.4B +1.9% YoY +0.8% QoQ	+$2.0B	$2.3B -0.5% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Top 13.0% in tier
Return on Assets ?	1.30% +41.5% YoY -9.0% QoQ	-0.10%	1.39% +17.0% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	54%
Net Interest Margin ?	3.09% +15.9% YoY +2.4% QoQ	-0.78%	3.87% +6.2% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	19%
Efficiency Ratio ?	51.09% +0.5% YoY -2.9% QoQ	-8.64%	59.73% -12.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	0.50% +100.0% YoY +82.3% QoQ	-0.37%	0.87% +11.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	52%
Loan-to-Deposit Ratio ?	100.00% +4.8% YoY +0.6% QoQ	+14.97%	85.04% -0.1% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Bottom 14.1% in tier
Non-Interest-Bearing Deposit Share ?	19.38% -0.0% YoY -1.3% QoQ	-1.89%	21.27% -1.5% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	48%
Nonperforming Asset Ratio ?	0.40% +106.3% YoY +82.9% QoQ	-0.27%	0.67% +11.7% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	51%
Tier 1 Capital Ratio ?	12.73% +4.7% YoY +0.4% QoQ	-2.12%	14.84% -0.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.09% -12.8% YoY +98.4% QoQ	-0.44%	0.53% +2.5% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Bottom 7.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	19.4% 0.0pp YoY -0.3pp QoQ	-2.0pp	21.4%	21.9%	22.2%	47%
Brokered Deposits	20.4% +0.1pp YoY +0.9pp QoQ	+11.0pp	9.5%	8.3%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	13.2% +0.1pp YoY -0.1pp QoQ	-0.8pp	14.0%	14.6%	12.5%	61%
CRE	72.7% -0.2pp YoY +0.3pp QoQ	+22.7pp	50.0%	36.5%	41.4%	91%
1-4 Family	11.1% -0.5pp YoY -0.2pp QoQ	-15.3pp	26.4%	29.4%	31.3%	20%
Consumer	0.6% +0.2pp YoY +0.1pp QoQ	-4.2pp	4.7%	4.5%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	12.7% +0.6pp YoY +0.1pp QoQ	-2.9pp	15.6%	16.5%	19.7%	37%
Leverage Ratio	11.6% +1.1pp YoY +0.2pp QoQ	+0.3pp	11.3%	11.0%	12.6%	72%
Total Capital Ratio	14.0% +0.6pp YoY +0.1pp QoQ	-2.7pp	16.7%	17.6%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	355 +47 (+15.3%) YoY +18 (+5.3%) QoQ	+41	313	55	482	73%
Assets per Employee ($)	$15.1M -11.8% YoY -4.1% QoQ	+$4.7M	$10.5M	$8.6M	$8.8M	89%
Branch Count	10 +1 (+11.1%) YoY 0 QoQ	-10	20	4	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.5% +0.2pp YoY +0.2pp QoQ	-0.3pp	0.8%	1.0%	1.0%	48%
Allowance Coverage	2.65x -51.8% YoY -45.8% QoQ	-16.06x	18.71x	20.41x	20.23x	59%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	51%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	11.4% +2.6pp YoY -1.3pp QoQ	-1.2pp	12.6%	13.1%	11.6%	44%
Cost of Funds (YTD)	2.5% -0.4pp YoY 0.0pp QoQ	+0.6pp	1.9%	1.7%	1.7%	84%
Net Income ($, YTD)	$34.8M +47.2% YoY — QoQ	+$15.5M	$19.2M	$4.5M	$40.4M	86%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#168 of 402 • Bottom 41.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Total Loans

size

Value: $4.36B

Peer Median: $1.96B

#91 of 885 Top 10.2% in $1B-$10B

114

Total Assets

size

Value: $5.38B

Peer Median: $2.79B

#114 of 885 Top 12.8% in $1B-$10B

116

Total Deposits

size

Value: $4.36B

Peer Median: $2.32B

#116 of 885 Top 13.0% in $1B-$10B

Top Weaknesses (3 metrics)

820

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.53%

#820 of 885 Bottom 7.5% in $1B-$10B

761

Loan-to-Deposit Ratio

liquidity

Value: 100.00%

Peer Median: 85.04%

#761 of 885 Bottom 14.1% in $1B-$10B

722

Net Interest Margin

profitability

Value: 3.09%

Peer Median: 3.87%

#722 of 885 Bottom 18.5% in $1B-$10B