Performance Ratios (%) BWB Peer Median Peer Average
ROAA 1.49 1.23 1.17
ROAE 13.28 11.73 11.27
Net Interest Margin 3.61 3.63 3.57
Efficiency Ratio 48.64 58.75 61.72
Loans / Deposits 104.74 95.08 93.70
Asset Quality Ratios (%)
NPAs / Assets 0.09 0.87 1.10
NCOs / Avg Loans (0.03) 0.06 0.11
Reserves / Loans 1.20 1.04 1.06
Reserves / NPAs NA 70.63 109.51
Capital Ratios (%)
Tier 1 Capital 11.48 10.49 11.26
Tangible Equity / Tangible Assets 10.64 9.00 9.46
Total Equity / Total Assets 10.79 10.55 10.79
Market Ratios
Price / Earnings (x) 12.13 12.12 12.05
Price / Book (%) 145.73 122.06 125.71
Dividend Yield (%) 0.00 2.14 2.01
Data for trailing four quarters

Bridgewater Bancshares, Inc.'s peer group consists of the following: Alerus Financial Corporation (ALRS), Ames National Corporation (ATLO), Bank First Corporation (BFC), Citizens Community Bancorp, Inc. (CZWI), County Bancorp, Inc. (ICBK), First Business Financial Services, Inc. (FBIZ), HMN Financial, Inc. (HMNF), MidWestOne Financial Group, Inc. (MOFG), Nicolet Bankshares, Inc. (NCBS), West Bancorporation, Inc. (WTBA)

Bridgewater Bancshares, Inc.'s financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019