What does loan discount accretion mean?

Captures the non-cash income recognized from the accretion of discounts on loans acquired at values different from their principal balances. This typically arises from business combinations or the purchase of loan portfolios at a discount. It serves as an indicator of the yield enhancement realized over the life of these specific loan assets.

Bridgewater Bancshares, Inc. BWB Loan Discount Accretion

Loan Discount Accretion at other companies

First BancorpFBNC

$1.29M-41.0%

Primis Financial Corp.FRST

$38K+143%

Bank of Marin BancorpBMRC

-$5K+88.9%

Fulton FinancialFULT

$10.31M-21.5%

Cullen/Frost BankersCFR

$9.67M+22.6%

Prosperity BancsharesPB

$3.75M+13.9%

Other financials

Income statement

See full

Revenue$46.2M+43.1%

Net income$17.4M+80.7%

EPS (diluted)$0.58+87.1%

Balance sheet

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Cash & equivalents$222.2M+33.7%

Total debt$1.4M-8.5%

Total equity$528.4M+12.7%

Total assets$5.3B+3.9%

Cash flow

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Operating cash flow$16.0M+125%

CapEx$1.8M+241%

Free cash flow$14.2M+115%

Valuation

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Market cap$574.68M+39.4%

P/E10.7×-4.7×

P/S3.7×+0.1×

Profitability

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Net margin34.2%+11.1pp

FCF margin18.8%—

Returns & leverage

See full

Return on equity10.8%+4.9pp

Debt / equity0×0.0×

Where this comes from

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

Tagged under the XBRL concept bwb:LoanDiscountAccretion.

The official record: Bridgewater Bancshares, Inc.’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bridgewater Bancshares, Inc.'s loan discount accretion?: Bridgewater Bancshares, Inc. (BWB) reported loan discount accretion of $324K in Q1 2026.
What does loan discount accretion mean?: Captures the non-cash income recognized from the accretion of discounts on loans acquired at values different from their principal balances. This typically arises from business combinations or the purchase of loan portfolios at a discount. It serves as an indicator of the yield enhancement realized over the life of these specific loan assets.