Short answer
Bridgewater Bancshares Inc (BWB) filed an 8-K current report with the SEC on July 21, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item 8.01 (Other Events), Item EX-99.1 (Exhibit EX-99.1). Q2 2026 financial results covered the three months ended June 30, 2026.
Bridgewater Bancshares Inc 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Q2 2026 financial results covered the three months ended June 30, 2026
- Results announced July 21, 2026 through Exhibit 99.1 press release
- Investors should review Exhibit 99.1 for operating performance and financial metrics
Item 7.01 · Regulation FD Disclosure
- Earnings Presentation furnished as Exhibit 99.2 under Regulation FD
- Investor-relevant operating and financial details contained in the attached presentation
- Disclosure furnished, not filed, limiting automatic Exchange Act liability and incorporation by reference
Item 8.01 · Other Events
- Series A preferred dividend declared at $36.72 per share, or $0.3672 per depositary share
- 5.875% non-cumulative perpetual preferred stock dividend payable September 1, 2026
- Record date August 14, 2026 for BWBBP holders
- Dividend announcement confirms scheduled income distribution, with non-cumulative terms limiting recovery of missed payments
Item EX-99.1 · Exhibit EX-99.1
- Q2 2026 net income $14.0M, or $0.45 diluted EPS, up from $11.5M year over year but below $17.4M in Q1
- Net interest income rose $1.9M sequentially to $38.6M as margin expanded to 3.07% and loan yield reached 5.91%
- Gross loans grew $58.3M to $4.43B, led by multifamily lending, supporting revenue growth but increasing CRE concentration exposure
- Funding quality weakened: core deposits fell $29.9M while brokered deposits rose $45.2M, lifting the loan-to-deposit ratio to 101.8%
- Credit remains manageable but warrants monitoring: nonperforming assets increased to 0.40% from 0.22%, while charge-offs stayed low at 0.04% of average loans
- Capital strengthened with CET1 at 9.61%, tangible book value $16.61, and $700,000 of share repurchases at $18.12 per share
Generated from the filing text and exhibits; verify against the original. What 8-K item codes mean
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