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Bridgewater Bancshares, Inc. BWB Provision for Credit Losses

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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:ProvisionForLoanLeaseAndOtherLosses.

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
Subordinated Debentures1,8661,1213,7152,104
Total Interest Expense34,09036,74667,40872,246
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

Item 1. Consolidated Financial Statements (unaudited)

FAQ

What is Bridgewater Bancshares, Inc.'s provision for credit losses?
Bridgewater Bancshares, Inc. (BWB) reported provision for credit losses of $550K in Q2 2026.
How has Bridgewater Bancshares, Inc.'s provision for credit losses changed year-over-year?
Bridgewater Bancshares, Inc.'s provision for credit losses decreased by 72.5% year-over-year, from $2M to $550K.
What is the long-term trend for Bridgewater Bancshares, Inc.'s provision for credit losses?
Over 4 years (2021 to 2025), Bridgewater Bancshares, Inc.'s provision for credit losses has grown at a 4.1% compound annual growth rate (CAGR), from $5.15M to $6.05M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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