Bridgewater Bancshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	123.51	229.76	128.56	87.04	143.47
Investment Securities	776.44	545.53	389.09	318.5	321.3
Trading Asset Securities	-	43.16	32.59	38.12	9.71
Mortgage-Backed Securities	-	244.89	235.32	237.78	124.54
Total Investments	776.44	833.57	656.99	594.4	455.56
Gross Loans	4,310	3,869	3,724	3,569	2,819
Allowance for Loan Losses	-56.44	-52.28	-50.49	-48	-40.02
Other Adjustments to Gross Loans	-8.97	-6.8	-6.57	-9.29	-9.54
Net Loans	4,244	3,809	3,667	3,512	2,770
Property, Plant & Equipment	51.58	51.07	50.82	50.92	49.4
Goodwill	11.98	11.98	2.63	2.63	2.63
Other Intangible Assets	6.93	7.85	0.19	0.29	0.48
Accrued Interest Receivable	18.93	17.71	16.7	13.48	9.19
Long-Term Deferred Tax Assets	-	21.93	23.93	22.92	11.89
Other Long-Term Assets	152.4	63.63	47.86	42.23	29.9
Total Assets	5,407	5,066	4,612	4,346	3,478
Interest Bearing Deposits	3,397	3,131	2,815	2,440	2,012
Institutional Deposits	-	155	138.4	92.3	59.6
Non-Interest Bearing Deposits	923.07	800.76	756.96	884.27	875.08
Total Deposits	4,320	4,087	3,710	3,417	2,946
Short-Term Borrowings	-	8.21	8.6	296.54	1.57
Current Portion of Long-Term Debt	-	288	233	83	-
Current Portion of Leases	-	0.6	-	-	-
Accrued Interest Payable	3.23	4.01	5.28	2.83	1.41
Long-Term Debt	108.68	93.42	93.04	92.66	92.24
Federal Home Loan Bank Debt, Long-Term	399.5	71.5	86.5	14	42.5
Long-Term Leases	-	0.98	1.97	2.5	-
Other Long-Term Liabilities	58.13	54.82	48.13	43.53	14.44
Total Liabilities	4,890	4,608	4,186	3,952	3,098
Preferred Stock, Redeemable	66.51	66.51	66.51	66.51	66.51
Common Stock	0.28	0.28	0.28	0.28	0.28
Additional Paid-In Capital	98.29	95.09	96.32	96.53	104.12
Retained Earnings	351.46	309.42	280.65	248.69	199.35
Comprehensive Income & Other	0.56	-13.36	-18.25	-17.94	9.01
Total Common Equity	450.58	391.42	359	327.55	312.76
Shareholders' Equity	517.1	457.94	425.52	394.06	379.27
Total Liabilities & Equity	5,407	5,066	4,612	4,346	3,478
Total Debt	508.18	462.71	423.11	488.69	136.31
Net Cash (Debt)	-384.67	-185.42	-261.96	-362.35	18.76
Net Cash Growth	-	-	-	-	-9.47%
Net Cash Per Share	-13.66	-6.64	-9.25	-12.64	0.65
Filing Date Shares Outstanding	27.76	27.6	27.71	27.76	28.21
Total Common Shares Outstanding	27.76	27.55	27.75	27.75	28.21
Book Value Per Share	16.23	14.21	12.94	11.80	11.09
Tangible Book Value	431.67	371.59	356.19	324.64	309.65
Tangible Book Value Per Share	15.55	13.49	12.84	11.70	10.98

Source: S&P Global Market Intelligence. Banks template. Financial Sources.