---
title: "BWB: Margin expansion and balance-sheet growth lifted Q3 earnings as credit costs increased"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/302463417.md"
description: "Q3 net income rose to $15.0 million, with NIM at 3.09% and efficiency improving to 48.8%. Loans and core deposits expanded, while credit provisions and net charge-offs increased Qoriginal document: Bridgewater Bancshares, Inc. [BWB] SEC 8-K Current Report — Oct. 21 2026DisclaimerThis is an AI-generated summary and may contain inaccuracies. Please verify any important information with the original source."
datetime: "2026-10-20T20:20:51.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/302463417.md)
  - [en](https://longbridge.com/en/news/302463417.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/302463417.md)
generator: "portal-rs"
---

# BWB: Margin expansion and balance-sheet growth lifted Q3 earnings as credit costs increased

Q3 net income rose to $15.0 million, with NIM at 3.09% and efficiency improving to 48.8%. Loans and core deposits expanded, while credit provisions and net charge-offs increased QoQ.

Original document: Bridgewater Bancshares, Inc. \[BWB\] SEC 8-K Current Report — Oct. 21 2026

**Disclaimer**

This is an AI-generated summary and may contain inaccuracies. Please verify any important information with the original source.

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**