---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-011205"
form_type: "8-K"
ticker: "BWB"
cik: "0001341317"
company_name: "Bridgewater Bancshares Inc"
filed_at: "2022-07-28T23:59:59+00:00"
generated_at: "2026-06-24T07:23:33.472698+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# Bridgewater Bancshares Q2 net income $12.9M, EPS $0.41; loan growth 31.9% annualized

## Summary
- Net income $12.9M (+17.2% YoY); diluted EPS $0.41 (+9.2% YoY).
- Net interest margin 3.58% (3.34% core); record pre-provision net revenue $20.4M.
- Gross loans +$237.9M (31.9% annualized); deposits +$166.3M (22.0% annualized).
- Preferred Series A dividend $0.3672/depositary share, payable Sep 1, 2022.
- NPAs/total assets 0.02%; net charge-offs 0.00% annualized.

## SEC filing metadata
- accession: 0001558370-22-011205
- form_type: 8-K
- ticker: BWB
- cik: 0001341317
- company_name: Bridgewater Bancshares Inc
- filed_at: 2022-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1341317/000155837022011205/0001558370-22-011205-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1341317/000155837022011205/bwb-20220728x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-011205
- JSON: https://secwatch.observer/filing/0001558370-22-011205.json
- Plain text: https://secwatch.observer/filing/0001558370-22-011205.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.