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Bridgewater Bancshares (BWB) investor relations material
Bridgewater Bancshares 16th Annual Midwest Ideas Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Company overview and market position
Focuses on entrepreneurial banking, commercial lending, and multifamily/affordable housing in the Twin Cities, with $5.3B in assets and nine branches.
Growth driven by both organic expansion and two small acquisitions, with 20% compounded asset growth over the last decade.
Second largest locally led institution in the Twin Cities, benefiting from market disruption and consolidation.
Maintains a unique, high-performance culture and efficient, branch-light business model.
Leadership team recently refreshed with three new members as two founding leaders retire.
Growth strategy and business model
Core deposit growth is a key focus, supplemented by wholesale funding; core deposits have grown at 11% over five years.
Loan growth is methodical, with a focus on high-quality, diversified portfolios, especially multifamily lending, now nearly 40% of the portfolio.
Affordable housing lending is expanding nationally, with 15% growth in the last year and very low loss history.
Revenue diversification efforts include growing fee income, especially from swap fees and investment advisory services.
No current dividend; capital is retained for growth and occasional share repurchases.
Financial performance and efficiency
Net interest margin is expanding as loans reprice at higher rates, with $600M set to reprice in the next 12 months.
Efficiency ratio target is 45–50, with potential to reach low 40s as technology investments pay off.
Overhead is well controlled, and total cost basis is lower than peers due to a smaller branch network.
Core deposit costs are in the mid-2% range, total deposit costs in the low 3% range due to wholesale funding.
Recent acquisition added a granular deposit base with minimal multifamily or CRE exposure.
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