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Bridgewater Bancshares, Inc. BWB Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

U.S. Bancorp logo
U.S. BancorpUSB
$3.82B+7.7%
Huntington Bancshares logo
Huntington BancsharesHBAN
$1.92B+40.8%
Old National Bancorp logo
Old National BancorpONB
$542.78M+33.0%
Great Southern Bancorp logo
Great Southern BancorpGSBC
$49.49M-3.1%
PCB Bancorp logo
PCB BancorpPCB
$26.57M+9.8%
Equity Bancshares logo
Equity BancsharesEQBK
$72.57M+45.8%

Other financials

Income statement

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Revenue$40.9M+13.3%
Net income$14.0M+21.6%
EPS (diluted)$0.45+18.4%

Balance sheet

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Cash & equivalents$169.8M-21.9%
Total debt$1.4M-8.5%
Total equity$547.9M+15.0%
Total assets$5.4B+1.8%

Cash flow

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Operating cash flow$10.0M+149%
CapEx$638.0K-45.3%
Free cash flow$9.3M+229%

Valuation

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Market cap$598.39M+39.1%
P/E10.6×-3.6×
P/S3.7×+0.3×

Profitability

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Net margin34.8%+10.6pp
FCF margin22%

Returns & leverage

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Return on equity11%+4.4pp
Debt / equity0.0×

Where this comes from

Reported directly by Bridgewater Bancshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Bridgewater Bancshares, Inc.’s 10-Q, filed July 30, 2026.

Filed
Jul 30, 2026, 7:06 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-088454
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
NET INTEREST INCOME38,56632,45275,21362,660
Provision for Credit Losses5502,0001,7503,500
NET INTEREST INCOME AFTER
PROVISION FOR CREDIT LOSSES38,01630,45273,46359,160
NONINTEREST INCOME
Customer Service Fees5204961,047991
Net Gain on Sales of Available for Sale Securities4747,251475
Letter of Credit Fees304323489778

Item 1. Consolidated Financial Statements (unaudited)

FAQ

What is Bridgewater Bancshares, Inc.'s net interest income (after provisions)?
Bridgewater Bancshares, Inc. (BWB) reported net interest income (after provisions) of $38.02M in Q2 2026.
How has Bridgewater Bancshares, Inc.'s net interest income (after provisions) changed year-over-year?
Bridgewater Bancshares, Inc.'s net interest income (after provisions) increased by 24.8% year-over-year, from $30.45M to $38.02M.
What is the long-term trend for Bridgewater Bancshares, Inc.'s net interest income (after provisions)?
Over 4 years (2021 to 2025), Bridgewater Bancshares, Inc.'s net interest income (after provisions) has grown at a 4.9% compound annual growth rate (CAGR), from $104.36M to $126.39M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for loan and lease losses, which represents the bank's estimate of potential future credit defaults. This metric provides a more accurate view of the bank's net earnings power after accounting for inherent credit risk in the loan portfolio.

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