Bridgewater Bancshares (BWB) risk factors
Item 1A of every Bridgewater Bancshares Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors53 risks2 new10 dropped13 reworded
New affordable housing lending risks highlight expansion outside the Twin Cities and reliance on complex government programs. Compliance with labor laws like the FMLA is added as a specific operational and cost risk. Wholesale funding dependence, real estate collateral concentration, and local market economic conditions remain core operational focuses.
Filed Feb 26, 2026 - FY2024 10-K risk factors61 risks
Commercial real estate loans heavily concentrate in multifamily and nonfarm nonresidential properties totaling $2.65 billion. Operations focus geographically on the Twin Cities MSA. Wholesale non-core funding relies on brokered deposits and FHLB advances.
Filed Mar 06, 2025