Bridgewater Bank: how it compares with its peers
Against 332 U.S. banks with half to twice its assets, Bridgewater Bank's strongest measure in Q2 2026 is assets per employee ($15.1M vs. a $9.7M peer median). Its weakest relative measure is net interest margin (3.09% vs. 3.67%).
| Measure | Bridgewater Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.32% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.09% | 3.67% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.09% | 56.19% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.1M | $9.7M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.00% | 88.24% | Context |
What it means for lending operations
Its efficiency ratio of 51.09% is better than the 56.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Five Star Bank Roseville, CA · $5.38B
- City Bank Lubbock, TX · $5.39B
- Morton Community Bank Morton, IL · $5.35B
- The Canandaigua National Bank and Trust Company Canandaigua, NY · $5.41B
- Stride Bank, National Association Enid, OK · $5.42B
- Celtic Bank Salt Lake City, UT · $5.33B
Questions about Bridgewater Bank
How big is Bridgewater Bank?
Bridgewater Bank, established in 2005, is headquartered in Saint Louis Park, MN. It reported $5.38B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Bridgewater Bank's return on assets?
1.30% annualized in Q2 2026, against a 1.32% median for 332 U.S. banks with half to twice its assets, ahead of 47% of them.
What is Bridgewater Bank's efficiency ratio?
51.09% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 56.19%, and lower is better.
Is Bridgewater Bank growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits grew 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.