[8-K] Bridgewater Bancshares Inc Reports Material Event

Rhea-AI Filing Summary

Bridgewater Bancshares, Inc. (BWB) furnished its Q3 2025 results via a press release and provided an updated investor presentation. The materials were furnished, not filed, under the Exchange Act.

The company also announced a dividend on its 5.875% Non-Cumulative Perpetual Preferred Stock, Series A (Nasdaq: BWBBP). The dividend is $36.72 per preferred share, equivalent to $0.3672 per depositary share (each representing a 1/100th interest), payable on December 1, 2025 to shareholders of record at the close of business on November 14, 2025.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

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FORM 8-K
CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934

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October 21, 2025

Date of Report

(Date of earliest event reported)

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BRIDGEWATER BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

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Minnesota (State or other jurisdiction of incorporation)	001-38412 (Commission File Number)	26-0113412 (I.R.S. Employer Identification No.)
​	4450 Excelsior Boulevard, Suite 100 St. Louis Park, Minnesota (Address of principal executive offices)	55416 (Zip Code)

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Registrant’s telephone number, including area code: (952) 893-6868

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Not Applicable
(Former name or former address, if changed since last report.)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Act:

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Title of each class:		Trading Symbol		Name of each exchange on which registered:
Common Stock, $0.01 Par Value Depositary Shares, each representing a 1/100th interest in a share of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A		BWB BWBBP		The NASDAQ Stock Market LLC The NASDAQ Stock Market LLC

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 2.02           Results of Operations and Financial Condition.

On October 21, 2025, Bridgewater Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the three months ended September 30, 2025. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

The information furnished in this item of this Form 8-K, and the related exhibits, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 7.01           Regulation FD Disclosure.

The Company hereby furnishes the Investor Presentation attached hereto as Exhibit 99.2.

The information furnished in this item of this Form 8-K, and the related exhibits, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 8.01           Other Events.

On October 21, 2025, in its 2025 third quarter earnings release, the Company announced that its Board of Directors had declared a quarterly cash dividend on its 5.875% Non-Cumulative Perpetual Preferred Stock, Series A (“Series A Preferred Stock”). The quarterly cash dividend of $36.72 per share, equivalent to $0.3672 per depository share, each representing a 1/100^th interest in a share of the Series A Preferred Stock (Nasdaq: BWBBP), is payable on December 1, 2025, to shareholders of record of the Series A Preferred Stock at the close of business on November 14, 2025. 

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Item 9.01           Financial Statements and Exhibits.

(d)          Exhibits

Exhibit 99.1 Press Release of Bridgewater Bancshares, Inc., dated October 21, 2025, regarding third quarter 2025 financial results

Exhibit 99.2 Earnings Presentation dated October 21, 2025

Exhibit 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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​	Bridgewater Bancshares, Inc.
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Date: October 21, 2025	​
​	By: /s/ Jerry Baack
​	Name: Jerry Baack
​	Title: Chairman and Chief Executive Officer

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FAQ

What did Bridgewater Bancshares (BWB) announce in this 8-K?

The company furnished its Q3 2025 earnings press release (Exhibit 99.1) and an investor presentation (Exhibit 99.2), and declared a Series A preferred dividend.

What is the BWBBP preferred dividend amount and equivalent per depositary share?

The dividend is $36.72 per share of Series A preferred, equivalent to $0.3672 per depositary share.

When are the record and payment dates for the BWBBP dividend?

The record date is November 14, 2025, and the payment date is December 1, 2025.

Which security receives the dividend mentioned by Bridgewater Bancshares?

The dividend applies to the 5.875% Non-Cumulative Perpetual Preferred Stock, Series A (depositary shares trading as BWBBP), each representing a 1/100th interest.

Were the Q3 2025 materials filed or furnished by BWB?

They were furnished, not filed, under the Exchange Act, as stated in the 8-K.

Does the 8-K mention a common stock dividend for BWB?

No. It only announces a dividend on the Series A preferred stock (BWBBP).