🏦Bank Scorer

BRIDGEWATER BANK

SAINT LOUIS PARK, MN · Supervised by FDIC

Est. 2005FDIC #58,210RSSD: FDIC-58210
Part ofBRIDGEWATER BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.42%

Institution Profile

FDIC BankFind

Address

4450 Excelsior Blvd, SAINT LOUIS PARK, MN

County

Hennepin County

Established

November 2, 2005

Total Assets

$5.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.3B

Total Deposits

$4.3B

Net Loans

$4.3B

Net Income

$19M

ROA

1.42%

ROE

12.68%

Risk-Based Capital

13.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate2.89%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$4.3B

1-Year Change

+2

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202424271.49%2.89%
202329879.53%2.01%
202256876.58%1.76%
202156687.28%0.71%
202052485.11%0.95%
201951290.23%0.78%
201847692.65%0.42%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

5 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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