Bridgewater Bancshares, Inc.
NASDAQ Capital MarketCapital Structure
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in mil. unless spec.Working Capital
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Quarterly Dividends Per Share
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in mil. unless spec.- CEO
- Gerald John Baack
- Full Time Employees
- 337
- Sector
- Financial Services
- Industry
- Banks - Regional
- Address
- 4450 Excelsior Boulevard Saint Louis Park MN United States of America 55416
- IPO Date
- Mar 14, 2018
- CIK
- 0001341317
- Website
- bridgewaterbankmn.com
- Similar Companies
- Business
- Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank, a full-service financial institution headquartered in St. Louis Park, Minnesota, founded in 2005. The company provides a comprehensive range of banking products and services primarily in the United States, focusing on the Twin Cities Metropolitan Statistical Area. Its main offerings include commercial loans—such as loans secured by nonfarm, nonresidential properties; multifamily residential properties; nonowner-occupied single-family residential properties; construction, land development, and commercial and industrial loans—and commercial real estate loans for owner and nonowner-occupied properties. The company also provides paycheck protection program loans, and deposit products including savings and money market accounts, demand deposits, time and brokered deposits, certificates of deposit, and both interest and noninterest-bearing transaction accounts. Additionally, Bridgewater Bancshares offers online, mobile, and direct banking services along with treasury management solutions targeting commercial real estate investors, small business entrepreneurs, and high-net-worth individuals. Recent company developments include the successful acquisition and systems conversion of First Minnetonka City Bank, supporting Bridgewater's strategic priority of expanding its loan and deposit market share. In 2025, Bridgewater Bancshares reported robust loan growth, particularly in affordable housing financing, growing its portfolio to $611 million with a 27% annualized pace year-to-date, reflecting a national shortage of affordable housing. The company launched a new retail and small business online banking platform enhancing its digital service offerings. Additionally, Bridgewater completed a private placement of $80 million of subordinated notes in mid-2025, strengthening its capital base. The company projects to grow into a $10 billion bank by 2030, expecting mid- to high-single-digit loan growth and net interest margin expansion in a rates-down macroeconomic environment. It operates nine branches and manages total assets of approximately $5.3 billion as of mid-2025. Bridgewater Bancshares targets commercial clients, small businesses, entrepreneurs, and affluent individual customers, emphasizing loan and deposit products designed to support real estate investment, business growth, and wealth management within its regional market. The company continues to leverage merger and acquisition opportunities, especially in the Twin Cities area, to expand its footprint and customer base, positioning itself as one of Minnesota's largest locally-led banks focused on entrepreneurial banking and affordable housing finance. Its strategic focus on loan growth, deposit acquisition, and digital banking service enhancements underline its commitment to sustained profitable expansion and operational efficiency.
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