HIGHBuilt-inLoan_portfolio
85.8%
real estate as primary collateral
“10-K Item 1A: 'approximately 85.8% of our total gross loan portfolio was comprised of loans with real estate as a primary component of collateral'”
BWB · Concentration risk · 10-K extracted
Bridgewater Bancshares (BWB) concentration risks
Updated
The most significant concentration Bridgewater Bancshares discloses is real estate as primary collateral at 85.8%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Bridgewater Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 5 disclosed concentrations
HIGH2
MEDIUM1
LOW2
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
69.9%
commercial real estate secured loans
“10-K Item 1A: 'Commercial real estate secured loans represented 69.9% of our total gross loan portfolio and 473.1% of the Bank's total risk-based capital at December 31, 2025'”
MEDIUMBuilt-inGeographic
Twin Cities MSA
“10-K Item 1A: 'Unlike larger banks that are more geographically diversified, we conduct our operations primarily in the Twin Cities MSA.'”
LOWOutside partyCustomer
16.2%
10 largest depositor relationships
“10-K Item 1A: 'As of December 31, 2025, our 10 largest depositor relationships accounted for approximately 16.2% of our total deposits.'”
LOWOutside partyCustomer
15.3%
10 largest borrowing relationships
“10-K Item 1A: 'As of December 31, 2025, our 10 largest borrowing relationships accounted for approximately 15.3% of our total gross loan portfolio.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Bridgewater Bancshares' concentration risks are dominated by structural, asset-class exposures rather than counterparty dependencies. Real estate collateral underpins approximately 85.8% of the total gross loan portfolio, and within that, commercial real estate alone represents 69.9% of gross loans — equal to 473.1% of the Bank's total risk-based capital. Both are structural features of a commercial-real-estate-focused community bank rather than reliance on any single borrower, but the risk-based-capital ratio underscores how much a CRE downturn could strain capital adequacy. Layered on top is a geographic concentration: unlike larger, more diversified banks, Bridgewater conducts its operations primarily in the Twin Cities MSA, tying loan performance to a single regional economy. By contrast, funding and borrower concentration are comparatively modest: the ten largest depositor relationships account for approximately 16.2% of total deposits, and the ten largest borrowing relationships for approximately 15.3% of the total gross loan portfolio — both low-band dependency exposures. On net, the bank's risk is more about what it lends against (CRE, in one metro market) than about who it lends to or takes deposits from.
For the engine’s reasoning on BWB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| BWB● | Bridgewater Bancshares, Inc. | 2 | 1 | 2 | 5 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.