Bridgewater Bancshares, Inc. (BWB) Q2 2026 Earnings Call Transcript

Bridgewater Bancshares, Inc. ( BWB ) Q2 2026 Earnings Call July 22, 2026 9:00 AM EDT

Company Participants Justin Horstman - Director of Investor Relations Gerald Baack - CEO, Founder & Non Independent Executive Chairman Joseph Chybowski - President & CFO Nicholas Place - Chief Banking Officer Katie Morrell - Chief Credit Officer

Conference Call Participants Jeff Rulis - D.A. Davidson & Co., Research Division Nathan Race - Piper Sandler & Co., Research Division Matthew Braver - Stephens Inc., Research Division Brendan Nosal - Hovde Group, LLC, Research Division

Presentation Operator Good morning, and welcome to the Bridgewater Bancshares 2026 Second Quarter Earnings Call. My name is Nick, and I will be your conference operator today. [Operator Instructions]. Please note that today's call is being recorded. At this time, I would like to introduce Justin Horstman, Vice President of Investor Relations to begin the conference call. Please go ahead.

Justin Horstman Director of Investor Relations Thank you, Nick, and good morning, everyone. Joining me on today's call are Jerry Baack, Chairman and Chief Executive Officer; Joe Chybowski, President and Chief Financial Officer; Nick Place, Chief Banking Officer; and Katie Morrell, Chief Credit Officer. In just a few moments, we will provide an overview of our 2026, second quarter financial results. We will be referencing a slide presentation that is available on the Investor Relations section of Bridgewater's website, investors.bridgewaterbankmn.com. Following our opening remarks, we will open the call for questions. During today's presentation, we may make projections or other forward-looking statements regarding future events or the future financial performance of the company. We caution that such statements are predictions and that actual results may differ materially. Please see the forward-looking statement disclosure in the slide presentation in our 2026, second quarter earnings release for more information about risks and uncertainties, which may affect us. The information we will provide today is as of and for