BlastPoint's Banking Scorecard
Bridgewater Bank
Mid-Market
Specialty: Commercial
MN
FDIC cert 58210
Designations: ✓ Community bank
Saint Louis Park, MN
201
banks in Mid-Market tier nationally
1 in MN
View Mid-Market leaderboard (MN) →
Bridgewater Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.77% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
+6.7% YoY
+0.9% QoQ
|
-$5.1B |
$10.5B
+2.9% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$4.2B
+11.4% YoY
+2.3% QoQ
|
-$2.9B |
$7.1B
+4.5% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$4.3B
+5.8% YoY
+0.6% QoQ
|
-$4.2B |
$8.5B
+3.0% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.99%
+24.8% YoY
+4.7% QoQ
|
-0.17% |
1.16%
+9.4% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
2.79%
+17.5% YoY
+2.0% QoQ
|
-0.61% |
3.40%
+7.9% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
50.02%
-7.1% YoY
-1.4% QoQ
|
-6.59% |
56.60%
-3.2% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.52%
+115.6% QoQ
|
-0.17% |
0.68%
+12.0% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
97.72%
+5.3% YoY
+1.7% QoQ
|
+12.25% |
85.47%
+1.1% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
21.78%
+9.1% YoY
+10.8% QoQ
|
+1.14% |
20.64%
-0.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.41%
+118.6% QoQ
|
-0.09% |
0.50%
+7.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
12.24%
+0.1% YoY
+0.5% QoQ
|
-1.31% |
13.55%
+1.8% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.19%
+38.2% YoY
+41.1% QoQ
|
-0.77% |
0.96%
+7.1% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
0.19%
(Tier avg: 0.96%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Efficiency Ratio
Current: 50.02% · Tier avg: 56.60%
56
56th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.68%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 21.78% · Tier avg: 20.64%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
37
37th pctile
Tier 1 Capital Ratio
Current: 12.24% · Tier avg: 13.55%
37
37th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
23
23th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.40%
22
22th pctile
Total Loans
Current: $4.2B · Tier avg: $7.1B
16
16th pctile
Loan-to-Deposit Ratio
Current: 97.72% · Tier avg: 85.47%
7
7th pctile
Total Assets
Current: $5.4B · Tier avg: $10.5B
6
6th pctile
Total Deposits
Current: $4.3B · Tier avg: $8.5B
6
6th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.96%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.96%
6
6th pctile
Total Deposits
Current: $4.3B · Tier avg: $8.5B
7
7th pctile
Total Assets
Current: $5.4B · Tier avg: $10.5B
16
16th pctile
Loan-to-Deposit Ratio
Current: 97.72% · Tier avg: 85.47%
22
22th pctile
Total Loans
Current: $4.2B · Tier avg: $7.1B
23
23th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.40%
37
37th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
37
37th pctile
Tier 1 Capital Ratio
Current: 12.24% · Tier avg: 13.55%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 21.78% · Tier avg: 20.64%
56
56th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.68%
76
76th pctile
Efficiency Ratio
Current: 50.02% · Tier avg: 56.60%