BWB Bridgewater Bancshares (BWB) Q3 FY26 earnings call
Bridgewater Bancshares delivered a strong quarter driven by disciplined execution of its strategic growth plan, leading to record revenue and improved profitability. The company successfully aligned loan and core deposit growth, expanded net interest margin, and enhanced its balance sheet positioning for a rising rate environment, while actively managing specific credit challenges within its portfolio.
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BWB operating KPIs by quarter
| KPI | Jun 2026 Q2 FY26 | This call 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.