BWB Bridgewater Bancshares (BWB) Q2 FY26 earnings call
Bridgewater Bancshares delivered a strong second quarter, driven by significant net interest margin expansion and robust net interest income growth, which propelled profitability above 1% ROA. The company strategically leveraged market disruption to add key talent, front-loading expenses but positioning for future scalability. While loan growth was disciplined due to deposit trends and competitive pricing, management remains focused on profitable expansion and expects continued margin and NII growth in the second half of the year.
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BWB operating KPIs by quarter
| KPI | This call Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 3.07%We reported a second quarter margin of 3.07%, which exceeds the 3% goal we set at the end of 2026.Source: earnings call transcript | 3.09%As expected, the pace of net interest margin expansion slowed from the second quarter, but was still up 2 basis points to 3.09% as the loan portfolio continued to reprice higher, while deposit costs remained relatively stable.Source: earnings call transcript | 0 pt |
| Common equity tier 1 ratio (CET1) | 9.61%We continue to build capital through retained earnings during the second quarter as our CET1 ratio increased 8 basis points to 9.61% and is now 58 basis points year-over-year.Source: earnings call transcript | 9.63%Notably, our CET1 ratio has increased 55 basis points year-over-year to 9.63%.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.