BWBBP / Bridgewater Bancshares, Inc. - Preferred Stock - تصريحات هيئة الأوراق المالية والبورصات، التقرير السنوي، بيان الوكيل

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 21, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSH

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 21, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.1 2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

Offer to Exchange Up to $80,000,000 aggregate principal amount of 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 7.625% Fixed-to-Floating R

Filed pursuant to Rule 424(b)(3) Registration No. 333-289375 PROSPECTUS Offer to Exchange Up to $80,000,000 aggregate principal amount of 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035 The exchange offer will expire at 11:59 p.m.,

Bridgewater Bancshares, Inc. Announces Executive Leadership Transitions and Appoints Mary Jayne Crocker to Board of Directors

Exhibit 99.1 Media Contact: Emily Karpenske | Senior Communication Specialist [email protected] | 952.653.0624 Investor Contact: Justin Horstman | VP Investor Relations [email protected] | 952.542.5169 August 19, 2025 Bridgewater Bancshares, Inc. Announces Executive Leadership Transitions and Appoints Mary Jayne Crocker to Board of Directors St. Louis Park, MN – Bridgewater Bancsha

Bridgewater Bancshares, Inc. First Amendment to Employment Agreement

Exhibit 10.1 Bridgewater Bancshares, Inc. First Amendment to Employment Agreement This First Amendment to Employment Agreement (this “Amendment”) is made and entered into as of August 18, 2025 (the “Effective Date”), by and between Bridgewater Bancshares, Inc. (the “Company”), Bridgewater Bank (the “Bank,” and together with the Company, the “Employer”), and Mary Jayne Crocker (“Executive,” and tog

Bridgewater Bancshares, Inc. First Amendment to Employment Agreement

Exhibit 10.2 Bridgewater Bancshares, Inc. First Amendment to Employment Agreement This First Amendment to Employment Agreement (this “Amendment”) is made and entered into as of August 18, 2025 (the “Effective Date”), by and between Bridgewater Bancshares, Inc. (the “Company”), Bridgewater Bank (the “Bank,” and together with the Company, the “Employer”), and Jeffrey D. Shellberg (“Executive,” and t

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 18, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSH

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 18, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

securities and exchange commission Washington, D.C. 20549 FORM T-1 Statement of Eligibility Under The Trust Indenture Act of 1939 of a Corporation Designated to Act as Trustee Check if an Application to Determine Eligibility of a Trustee Pursuant to

securities and exchange commission Washington, D.C. 20549 FORM T-1 Statement of Eligibility Under The Trust Indenture Act of 1939 of a Corporation Designated to Act as Trustee Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) o U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 91-1821036 I.R.S. Employer Ident

As filed with the Securities and Exchange Commission on August 7, 2025

As filed with the Securities and Exchange Commission on August 7, 2025 Registration No.

Security Type

Calculation of Filing Fee Tables S-4 Bridgewater Bancshares Inc Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt 7.

BRIDGEWATER BANCSHARES, INC. LETTER OF TRANSMITTAL To Tender for Exchange 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035 CUISP #108621 AM5 / ISIN# US108621AM53 and CUSIP# 108621 AN3 / ISIN# US108621AN37 (the “Old Notes”) for 7.625% Fixed-t

BRIDGEWATER BANCSHARES, INC. LETTER OF TRANSMITTAL To Tender for Exchange 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035 CUISP #108621 AM5 / ISIN# US108621AM53 and CUSIP# 108621 AN3 / ISIN# US108621AN37 (the “Old Notes”) for 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035 that have been registered under the Securities Act of 1933 (the “Securities Act”) CUSIP# 108621 AP8 / ISIN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001

Bridgewater Bancshares, Inc. Announces Second Quarter 2025 Financial Results

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | VP Investor Relations [email protected] | 952.542.5169 July 23, 2025 Bridgewater Bancshares, Inc. Announces Second Quarter 2025 Financial Results Second Quarter 2025 Highlights ● Net income of $11.5 million, or $0.38 per diluted common share; adjusted n

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 23, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHAR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 23, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Nu

2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.2 2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 June 24, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Nu

Form of Subordinated Note Purchase Agreement, dated June 24, 2025, by and among Bridgewater Bancshares, Inc. and the Purchasers.

Exhibit 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of June 24, 2025, and is made by and among Bridgewater Bancshares, Inc., a Minnesota corporation and registered bank holding company (the “Company”), and the several purchasers of the Subordinated Notes (as defined herein) identified on the signature pages hereto (each a “Purc

Forms of 7.625% Fixed-to-Floating Rate Subordinated Note due 2035 (included as Exhibit A-1 and Exhibit A-2 to the Indenture filed as Exhibit 4.1 hereto).

Exhibit 4.1 BRIDGEWATER BANCSHARES, INC. As Issuer, and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION As Trustee INDENTURE Dated as of June 24, 2025 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035 Table of Contents Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE‌1 Section 101Definitions‌1 Section 102Compliance Certificates and Opinions‌10 Section 103Form of Documents Delivered

2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.2 2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

Bridgewater Bancshares, Inc. Completes Private Placement of $80.0 Million of 7.625% Fixed-to-Floating Rate Subordinated Notes

Exhibit 99.1 Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | VP Investor Relations [email protected] | [email protected] | 952.542.5169 June 24, 2025 Bridgewater Bancshares, Inc. Completes Private Placement of $80.0 Million of 7.625% Fixed-to-Floating Rate Subordinated Notes St. Louis Park, MN – Bridgewater Bancshares, Inc. (Nasdaq: B

Form of Registration Rights Agreement, dated June 24, 2025, by and among Bridgewater Bancshares, Inc. and the Purchasers.

Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT This REGISTRATION RIGHTS AGREEMENT (this “Agreement”) is dated as of June 24, 2025, and is made by and among Bridgewater Bancshares, Inc., a Minnesota corporation and registered bank holding company (the “Company”), and the several purchasers of the Subordinated Notes (as defined below) identified on the signature pages to the Purchase Agreement (as defin

2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.1 2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 2, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Numb

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 25, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 25, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 23, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.2 2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

Bridgewater Bancshares, Inc. Announces First Quarter 2025 Financial Results

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | VP Investor Relations [email protected] | 952.542.5169 April 23, 2025 Bridgewater Bancshares, Inc. Announces First Quarter 2025 Financial Results First Quarter 2025 Highlights ● Net income of $9.6 million, or $0.31 per diluted common share; adjusted net

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confid

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ⌧ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confidential, for Use of

BOLI Supplementary Life Insurance Benefit†

‌Exhibit 10.37 Bridgewater Bank BOLI SUPPLEMENTARY LIFE INSURANCE BENEFIT SUMMARY June 2021 Bridgewater Bank (the “Bank”) has obtained Bank Owned Life Insurance ("BOLI”) for certain of the Bank’s officers, including the named executive officers of Bridgewater Bancshares, Inc. Each BOLI participant receives a supplementary life insurance benefit of $100,000 during such participant’s employment with

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38

Short Term Incentive Plan†

‌Exhibit 10.36 Bridgewater Bancshares, Inc. SHORT-TERM INCENTIVE PLAN SUMMARY February 2025 The Short-Term Incentive Plan (“STI Plan”) for the Named Executive Officers (“NEOs”) of Bridgewater Bancshares, Inc. (the “Company”) is currently based in equal part on the Company’s pre-provision, pre-tax net revenue (“PPNR”), a non-GAAP financial measure, and the individual performance goals of each NEO,

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.1 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 18, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission Fil

February 6, 2025

February 6, 2025 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

Form of Indenture.

Exhibit 4.6 BRIDGEWATER BANCSHARES, INC., as Issuer and , as Trustee INDENTURE Dated as of , 20 CROSS REFERENCE SHEET* Provisions of Trust Indenture Act of 1939, as amended, and Indenture to be dated as of , 20 by and between Bridgewater Bancshares, Inc. and , as Trustee: Section of the Trust Indenture Act Section of Indenture 310(a)(1), (2) and (5) 6.09 310(a)(3) and (4) Inapplicable 310(b) 6.08

As filed with the Securities and Exchange Commission on February 3, 2025.

Table of Contents As filed with the Securities and Exchange Commission on February 3, 2025.

Filing Fee Table

Exhibit 107.1 Calculation of Filing Fee Table S-3 (Form Type) Bridgewater Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered(1) Proposed Maximum Offering Price Per Unit(1) Maximum Aggregate Offering Price Fee Rate Amount of Registrat

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Bridgewater Bancshares, Inc. Announces Fourth Quarter 2024 Financial Results

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | VP Investor Relations [email protected] | 952.542.5169 January 29, 2025 Bridgewater Bancshares, Inc. Announces Fourth Quarter 2024 Financial Results Fourth Quarter 2024 Highlights ● Net income of $8.2 million, or $0.26 per diluted common share; adjusted

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 29, 2025 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 December 16, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission Fil

Bridgewater Bancshares, Inc. Completes Acquisition of First Minnetonka City Bank

Exhibit 99.1 Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | VP Investor Relations [email protected] | [email protected] | 952.542.5169 December 16, 2024 Bridgewater Bancshares, Inc. Completes Acquisition of First Minnetonka City Bank St. Louis Park, MN – Bridgewater Bancshares, Inc. (Nasdaq: BWB) (“Bridgewater”), the parent company o

BWB / Bridgewater Bancshares, Inc. / Castle Creek Capital Partners VIII, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2430391d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3)* BRIDGEWATER BANCSHARES, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) Castle Creek Capital Partners VIII, LP 11682 El Camino Real, Suite 320

BWB / Bridgewater Bancshares, Inc. / Castle Creek Capital Partners VIII, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2428199d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2)* BRIDGEWATER BANCSHARES, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) Castle Creek Capital Partners VIII, LP 11682 El Camino Real, Suite 320

Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.1 Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 5, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

Bridgewater Bancshares, Inc. Receives Regulatory Approvals for First Minnetonka City Bank Acquisition

Bridgewater Media Contact: Bridgewater Investor Contact:First Minnetonka City Bank Contact: Jessica Stejskal | SVP MarketingJustin Horstman | VP Investor RelationsTom Rogers | Chairman jessica.

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 23, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 23, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Bridgewater Bancshares, Inc. Announces Third Quarter 2024 Net Income of $8.7 Million, $0.27 Diluted Earnings Per Common Share

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | VP Investor Relations [email protected] | 952.542.5169 October 23, 2024 Bridgewater Bancshares, Inc. Announces Third Quarter 2024 Net Income of $8.7 Million, $0.27 Diluted Earnings Per Common Share Third Quarter 2024 Highlights ● Tangible book value per

Amended and Restated Revolving Note, dated as of September 1, 2024, made by Bridgewater Bancshares, Inc., as Borrower, to and in favor of ServisFirst Bank, as Lender.

‌Exhibit 10.2 AMENDED AND RESTATED REVOLVING NOTE $40,000,000 Birmingham, Alabama ‌September 1, 2024 FOR VALUE RECEIVED, BRIDGEWATER BANCSHARES, INC., a corporation organized under the laws of the State of Minnesota (the “Borrower”), promises to pay to the order of SERVISFIRST BANK, an Alabama banking corporation (hereinafter called the “Lender” or, together with any other holder of this note, the

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 September 3, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission Fil

Third Amendment to Loan and Security Agreement, dated as of September 1, 2024, by and between Bridgewater Bancshares, Inc., as Borrower, and ServisFirst Bank, as Lender.

Exhibit 10.1 THIRD AMENDMENT TO LOAN AND SECURITY AGREEMENT This THIRD AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”) is entered into as of September 1, 2024 by and between BRIDGEWATER BANCSHARES, INC., a corporation organized under the laws of the State of Minnesota (“Borrower”), and SERVISFIRST BANK, an Alabama banking corporation (“Lender”). PRELIMINARY STATEMENTS. Borrower and Len

Bridgewater Bancshares, Inc. Announces Strategic Acquisition of First Minnetonka City Bank

Bridgewater Media Contact: Bridgewater Investor Contact:First Minnetonka City Bank Contact: Jessica Stejskal | SVP MarketingJustin Horstman | VP Investor RelationsTom Rogers | Chairman jessica.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 28, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSH

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 28, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 20, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.1 Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001

Bridgewater Bancshares, Inc. Announces Second Quarter 2024 Net Income of $8.1 Million, $0.26 Diluted Earnings Per Common Share

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | VP Investor Relations [email protected] | 952.542.5169 July 24, 2024 Bridgewater Bancshares, Inc. Announces Second Quarter 2024 Net Income of $8.1 Million, $0.26 Diluted Earnings Per Common Share Second Quarter 2024 Highlights ● Tangible book value per

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 23, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHAR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 23, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Nu

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 7, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Numb

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.1 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00

Bridgewater Bancshares, Inc. Elevates Joe Chybowski to President, Announces Strategic Leadership Transitions to Propel Future Growth

Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | VP Investor Relations jessica.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 26, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 24, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

Bridgewater Bancshares, Inc. Announces First Quarter 2024 Net Income of $7.8 Million, $0.24 Diluted Earnings Per Common Share

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | VP, Investor Relations [email protected] | 952.542.5169 April 24, 2024 Bridgewater Bancshares, Inc. Announces First Quarter 2024 Net Income of $7.8 Million, $0.24 Diluted Earnings Per Common Share First Quarter 2024 Highlights ● Tangible book value per

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ⌧ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confidential, for Use of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ⌧ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confid

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38

Bridgewater Bancshares, Inc. Clawback Policy

Exhibit 97.1 Bridgewater Bancshares, Inc. CLAWBACK POLICY 1.Introduction. The Board of Directors (the “Board”) of Bridgewater Bancshares, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (the “Policy”), which provides for the recovery of certain incentive compensation in the event of an Accounting Restatement (as defin

Subsidiaries of Bridgewater Bancshares, Inc.

‌Exhibit 21.1 LIST OF SUBSIDIARIES OF BRIDGEWATER BANCSHARES, INC. Subsidiary Organized Under Laws of Bridgewater Bank Minnesota Subsidiaries of Bridgewater Bank: Bridgewater Investment Management, Inc. Minnesota BWB Holdings, LLC Minnesota

Form of Restricted Stock Unit Award Agreement under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan†

Exhibit 10.36 Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan Restricted Stock unit Award Agreement The Participant specified below is hereby granted a restricted stock unit award (the “Award”) by Bridgewater Bancshares, Inc., a Minnesota corporation (the “Company”), under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (the “Plan”). The Award shall be subject to the terms of t

Insider Trading Policy

Exhibit 19.1 Insider Trading Policy of Bridgewater Bancshares, Inc. This Insider Trading Policy (this “Policy”) provides guidelines to directors, officers, employees and other related parties of Bridgewater Bancshares, Inc. and its subsidiaries (collectively, the “Company”). I.Applicability of Policy This Policy applies to all transactions in the Company’s securities, including, without limitation

Form of Restricted Stock Unit Award Agreement under the Bridgewater Bancshares, Inc. 2019 Equity Incentive Plan†

‌Exhibit 10.17 Bridgewater Bancshares, Inc. 2019 Equity Incentive Plan Restricted Stock unit Award Agreement The Participant specified below is hereby granted a restricted stock unit award (the “Award”) by Bridgewater Bancshares, Inc., a Minnesota corporation (the “Company”), under the Bridgewater Bancshares, Inc. 2019 Equity Incentive Plan (the “Plan”). The Award shall be subject to the terms of

POWER OF ATTORNEY

POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Joe Chybowski and Ben Klocke, each with full power and authority to act alone, as the undersigned’s true and lawful attorney-in-fact to: (1) prepare, execute for and on behalf of the undersigned, and submit to the United States Securities and Exchange Commission (the “Commission”) a Form ID,

POWER OF ATTORNEY

POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Joe Chybowski and Ben Klocke, each with full power and authority to act alone, as the undersigned’s true and lawful attorney-in-fact to: (1) prepare, execute for and on behalf of the undersigned, and submit to the United States Securities and Exchange Commission (the “Commission”) a Form ID,

BWB / Bridgewater Bancshares, Inc. / Baack Jerry J. - SC 13G/A Passive Investment

SC 13G/A 1 tm245675d2sc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 1) Bridgewater Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement

BWB / Bridgewater Bancshares, Inc. / Juran David B. - SC 13G/A Passive Investment

SC 13G/A 1 tm245675d1sc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 3) Bridgewater Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement

BWB / Bridgewater Bancshares, Inc. / THRIVENT FINANCIAL FOR LUTHERANS Passive Investment

SC 13G/A 1 tfl13ga4bridgewater.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* Bridgewater Bancshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 108621103 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to desi

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 February 6, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.1 Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 24, 2024 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Bridgewater Bancshares, Inc. Announces Fourth Quarter 2023 Net Income of $8.9 Million, $0.28 Diluted Earnings Per Common Share

Exhibit 99.1 Investor Contact: Justin Horstman | Vice President, Investor Relations [email protected] | 952.542.5169 January 24, 2024 Bridgewater Bancshares, Inc. Announces Fourth Quarter 2023 Net Income of $8.9 Million, $0.28 Diluted Earnings Per Common Share Fourth Quarter 2023 Highlights ● Deposit growth of $34.4 million, or 3.7% annualized, from the third quarter of 2023, exceeded gros

Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without

Exhibit 99.1 Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 November 13, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission Fil

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

Joint Filing Agreement, dated as of October 26, 2023, by and between Castle Creek Capital Partners VIII, LP, Castle Creek Capital VIII LLC, Castle Creek Capital Partners V, LP and Castle Creek Capital V LLC.

EX-99.1 2 tm2329197d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13D, dated October 26, 2023, with respect to the common stock, par value $0.01 per share, of Bridgewater Bancshares, Inc., a Minnesota corporation, is, and any amendments hereto signed by each of the undersigned shall be, filed on behalf of each of us pursuant to and in

BWB / Bridgewater Bancshares Inc / Castle Creek Capital Partners V, LP - SC 13D/A Activist Investment

SC 13D/A 1 tm2329197d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* BRIDGEWATER BANCSHARES, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) Castle Creek Capital Partners VIII, LP 11682 El Camino Real, Suite 320

Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without l

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 25, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Bridgewater Bancshares, Inc. Announces Third Quarter 2023 Net Income of $9.6 Million, $0.30 Diluted Earnings Per Common Share

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | Director of Investor Relations [email protected] | 952.542.5169 October 25, 2023 Bridgewater Bancshares, Inc. Announces Third Quarter 2023 Net Income of $9.6 Million, $0.30 Diluted Earnings Per Common Share Third Quarter 2023 Highlights ● Annualized ret

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 4, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 4, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

The Finest Entrepreneurial Bank 3 Company Overview Branch-Light Model in Attractive Twin Cities Market Twin Cities Name: Bridgewater Bancshares, Inc. Headquarters: St. Louis Park, MN Ticker: NASDAQ: BWB; BWBBP Assets: $4.6 Billion Loans: $3.7 Billion

Exhibit 99.1 Disclaimer 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perfo

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001

0.02% 2Q23 Earnings Highlights 3 • Deposit balances up $166.8 million, or 19.6% annualized, from 1Q23 • Core deposit2 growth of 7.4% annualized from 1Q23 outpaced loan growth of 5.6% annualized • Borrowings declined $176.9 million, or 24.3%, from 1Q2

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Bridgewater Bancshares, Inc. Announces Second Quarter 2023 Net Income of $9.8 Million, $0.31 Diluted Earnings Per Common Share

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | Director of Investor Relations [email protected] | 952.542.5169 July 26, 2023 Bridgewater Bancshares, Inc. Announces Second Quarter 2023 Net Income of $9.8 Million, $0.31 Diluted Earnings Per Common Share Second Quarter 2023 Highlights ● Annualized retu

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 26, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHAR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 26, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Nu

The Finest Entrepreneurial Bank 3 Company Overview Branch-Light Model in Attractive Twin Cities Market Twin Cities Name: Bridgewater Bancshares, Inc. Headquarters: St. Louis Park, MN Ticker: NASDAQ: BWB; BWBBP Assets: $4.6 Billion Loans: $3.7 Billion

Exhibit 99.1 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 May 12, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Num

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00

Form of Nonqualified Stock Option Award Agreement under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (incorporated herein by reference to Exhibit 4.6 on Form S-8 filed on April 28, 2023)†

Exhibit 4.6 Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan Nonqualified Stock Option Award Agreement The Participant specified below is hereby granted a nonqualified stock option (the “Option”) by Bridgewater Bancshares, Inc., a Minnesota corporation (the “Company”), under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (the “Plan”). The Option shall be subject to the terms of

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables Form S-8 (Form Type) Bridgewater Bancshares, Inc.

As filed with the Securities and Exchange Commission on April 28, 2023

As filed with the Securities and Exchange Commission on April 28, 2023 Registration No.

Form of Restricted Stock Unit Award Agreement under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan

Exhibit 4.5 Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan Restricted Stock unit Award Agreement The Participant specified below is hereby granted a restricted stock unit award (the “Award”) by Bridgewater Bancshares, Inc., a Minnesota corporation (the “Company”), under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (the “Plan”). The Award shall be subject to the terms of the

Form of Incentive Stock Option Award Agreement under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (incorporated herein by reference to Exhibit 4.7 on Form S-8 filed on April 28, 2023)†

Exhibit 4.7 bridgewater bancshares, inc. 2023 Equity Incentive Plan INCENTIVE Stock Option Award Agreement The Participant specified below is hereby granted an incentive stock option (the “Option”) by Bridgewater Bancshares, Inc., a Minnesota corporation (the “Company”), under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (the “Plan”). The Option shall be subject to the terms of the

Form of Restricted Stock Award Agreement under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (incorporated herein by reference to Exhibit 4.4 on Form S-8 filed on April 28, 2023)†

Exhibit 4.4 Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan Restricted Stock Award Agreement The Participant specified below is hereby granted a restricted stock award (the “Award”) by Bridgewater Bancshares, Inc., a Minnesota corporation (the “Company”), under the Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (the “Plan”). The Award shall be subject to the terms of the Plan and

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 27, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

Third Amended and Restated Articles of Incorporation of Bridgewater Bancshares, Inc. (incorporated herein by reference to Exhibit 3.1 on Form 8-K filed on April 27, 2023)

EXHIBIT 3.1 Third Amended and Restated Articles of Incorporation of Bridgewater Bancshares, Inc. (Original Articles of Incorporation filed April 21, 2005; Amendment to the Articles of Incorporation filed August 31, 2015; Amended and Restated Articles of Incorporation filed February 28, 2018; Second Amended and Restated of Articles of Incorporation filed April 24, 2019) Bridgewater Bancshares, Inc.

Second Amended and Restated Bylaws of Bridgewater Bancshares, Inc. (incorporated herein by reference to Exhibit 3.2 on Form 8-K filed on April 27, 2023)

EXHIBIT 3.2 Second Amended and Restated Bylaws of Bridgewater Bancshares, Inc. a Minnesota corporation Dated: April 26, 2023 Second Amended and Restated Bylaws of Bridgewater Bancshares, Inc. Article I Offices Section 1.Registered Office. The registered office of Bridgewater Bancshares, Inc. (the “Corporation”) shall be an actual office located within Minnesota as set forth in the Corporation’s Ar

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 26, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

A Local, Relationship-Focused Bank 3 • Local bank with local clients • Focus on commercial real estate and small business clients • No cryptocurrency exposure Simple and Consistent Business Model Strong Deposit Relationships Ample Liquidity and Borro

Exhibit 99.2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

Bridgewater Bancshares, Inc. Announces First Quarter 2023 Net Income of $11.6 Million, $0.37 Diluted Earnings Per Common Share

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | Director of Investor Relations [email protected] | 952.542.5169 April 26, 2023 Bridgewater Bancshares, Inc. Announces First Quarter 2023 Net Income of $11.6 Million, $0.37 Diluted Earnings Per Common Share Bridgewater Bancshares, Inc. (Nasdaq: BWB) (the

Bridgewater Bancshares, Inc. 2023 Equity Incentive Plan (incorporated herein by reference to Appendix C to the Registrant's definitive proxy statement filed on March 13, 2023)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ⌧ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confid

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ⌧ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confidential, for Use of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38

Letter of CliftonLarsonAllen LLP, dated March 7, 2023 (incorporated herein by reference to Exhibit 16.1 on Form 8-K filed on March 7, 2023)

EXHIBIT 16.1 March 7, 2023 Securities and Exchange Commission Washington, D.C. 20549 We have read the statements made by Bridgewater Bancshares, Inc. pursuant to Item 4.01(a) of the Current Report on Form 8-K dated March 7, 2023, which we understand will be filed with the Securities and Exchange Commission. We agree with the statements concerning our firm in such Form 8-K. /s/ CliftonLarsonAllen L

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Jeffrey Shellberg (incorporated herein by reference to Exhibit 10.30 on Form 10-K filed on March 7, 2023)†

Exhibit 10.30 Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (“Agreement”) is made and entered into as of January 1, 2022 (the “Effective Date”), by and among Bridgewater Bancshares, Inc. (the “Company”), Bridgewater Bank (the “Bank” and together with the Company, the “Employer”) and Jeffrey D. Shellberg (“Executive,” and together with the Company, the “Parties”). Reci

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Nicholas Place (incorporated herein by reference to Exhibit 10.31 on Form 10-K filed on March 7, 2023)†

‌Exhibit 10.31 Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (“Agreement”) is made and entered into as of January 1, 2022 (the “Effective Date”), by and among Bridgewater Bancshares, Inc. (the “Company”), Bridgewater Bank (the “Bank” and together with the Company, the “Employer”) and Nicholas Place (“Executive,” and together with the Company, the “Parties”). Recitals

Description of the Company’s Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 (incorporated herein by reference to Exhibit 4.1 on Form 10-K filed on March 7, 2023)

Exhibit 4.1 DESCRIPTION OF THE COMPANY’S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 The common stock and depositary shares, each representing a 1/100th interest in a share of the Company’s 5.875% Non-Cumulative Perpetual Preferred Stock, Series A, $0.01 par value per share (the “Depositary Shares”) of Bridgewater Bancshares, Inc. (the “Company,” which is al

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Mary Jayne Crocker (incorporated herein by reference to Exhibit 10.28 on Form 10-K filed on March 7, 2023)†

Exhibit 10.28 Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (“Agreement”) is made and entered into as of January 1, 2022 (the “Effective Date”), by and among Bridgewater Bancshares, Inc. (the “Company”), Bridgewater Bank (the “Bank” and together with the Company, the “Employer”) and Mary Jayne Crocker (“Executive,” and together with the Company, the “Parties”). Recita

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Jerry Baack (incorporated herein by reference to Exhibit 10.27 on Form 10-K filed on March 7, 2023)†

Exhibit 10.27 Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (“Agreement”) is made and entered into as of January 1, 2022 (the “Effective Date”), by and among Bridgewater Bancshares, Inc. (the “Company”), Bridgewater Bank (the “Bank” and together with the Company, the “Employer”) and Jerry Baack (“Executive,” and together with the Company, the “Parties”). Recitals A.Th

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 7, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHAR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 7, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Nu

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Joseph Chybowski (incorporated herein by reference to Exhibit 10.29 on Form 10-K filed on March 7, 2023)†

Exhibit 10.29 Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (“Agreement”) is made and entered into as of January 1, 2022 (the “Effective Date”), by and among Bridgewater Bancshares, Inc. (the “Company”), Bridgewater Bank (the “Bank” and together with the Company, the “Employer”) and Joseph Mark Chybowski (“Executive,” and together with the Company, the “Parties”). Rec

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 6, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHAR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 March 6, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Nu

The Finest Entrepreneurial Bank Company Overview Branch-Light Model in Attractive Twin Cities Market Twin Cities MSA Name: Bridgewater Bancshares, Inc. Headquarters: St. Louis Park, MN Ticker: NASDAQ: BWB; BWBBP Assets: $4.3 Billion Loans: $3.6 Billi

Exhibit 99.1 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future perform

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ⌧ Filed by a Party other than the Registrant ◻ Check the appropriate box: ⌧ Preliminary Proxy Statement ◻ Confid

BWB / Bridgewater Bancshares Inc / THRIVENT FINANCIAL FOR LUTHERANS Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

BWB / Bridgewater Bancshares Inc / Juran David B. - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 2) Bridgewater Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate

BWB / Bridgewater Bancshares Inc / Baack Jerry J. - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Bridgewater Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

1 Represents a Non - GAAP financial measure. See Appendix for Non - GAAP reconciliation 3 • Gross loan balances up $750.0 million, or 26.6%, from 2021 • Investment securities balances up $109.3 million, or 24.9%, from 2021 • Deposit balances up $470.

Exhibit 99.2 EARNINGS PRESENTATION FOURTH QUARTER 2022 2 Forward - Looking Statements This presentation contains “forward - looking statements” within the meaning of the safe harbor provisions of the U.S. Private Sec urities Litigation Reform Act of 1995. Forward - looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projectio ns with

Bridgewater Bancshares, Inc. Announces Fourth Quarter 2022 Net Income of $13.7 Million, $0.45 Diluted Earnings Per Common Share

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | Director of Investor Relations [email protected] | 952.542.5169 January 25, 2023 Bridgewater Bancshares, Inc. Announces Fourth Quarter 2022 Net Income of $13.7 Million, $0.45 Diluted Earnings Per Common Share Bridgewater Bancshares, Inc. (Nasdaq: BWB) (

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 25, 2023 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? December 22, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

Letter of CliftonLarsonAllen LLP, dated December 22, 2022 (incorporated herein by reference to Exhibit 16.1 on Form 8-K filed on December 22, 2022)

? EXHIBIT 16.1 ? ? ? CliftonLarsonAllen LLP CLAconnect.com ? ? ? ? ? December 22, 2022 ? ? Securities and Exchange Commission Washington, D.C. 20549 ? We have read the statements made by Bridgewater Bancshares, Inc. pursuant to Item 4.01(a) of the Current Report on Form 8-K dated December 22, 2022, which we understand will be filed with the Securities and Exchange Commission. We agree with the sta

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

The Finest Entrepreneurial Bank in the Twin Cities Company Overview Branch - Light Model in Attractive Twin Cities Market Twin Cities MSA Name: Bridgewater Bancshares, Inc. Headquarters: St. Louis Park, MN Ticker: NASDAQ: BWB; BWBBP Assets: $4.1 Bill

Exhibit 99 Disclaimer Forward - Looking Statements This presentation contains ?forward - looking statements? within the meaning of the safe harbor provisions of the U.

Regulation FD Disclosure, Financial Statements and Exhibits

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? November 1, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

1 Represents a Non - GAAP financial measure. See Appendix for Non - GAAP reconciliation 3 • Gross loan balances up $154.2 million, or 19.0% annualized, from 2Q22 • Investment securities balances up $59.4 million, or 48.9% annualized, from 2Q22 • Depo

Exhibit 99.2 EARNINGS PRESENTATION THIRD QUARTER 2022 2 Forward - Looking Statements This presentation contains “forward - looking statements” within the meaning of the safe harbor provisions of the U.S. Private Sec urities Litigation Reform Act of 1995. Forward - looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with re

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 27, 2022 Date of Report (Date of earliest event reported) BRIDGEWATER BANCS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 27, 2022 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Bridgewater Bancshares, Inc. Announces Record Third Quarter 2022 Net Income of $14.5 Million, $0.47 Diluted Earnings Per Common Share

Exhibit 99.1 Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | Director of Investor Relations [email protected] | 952.542.5169 October 27, 2022 Bridgewater Bancshares, Inc. Announces Record Third Quarter 2022 Net Income of $14.5 Million, $0.47 Diluted Earnings Per Common Share Bridgewater Bancshares, Inc. (Nasdaq:

Amended and Restated Revolving Note, dated as of September 1, 2022, made by Bridgewater Bancshares, Inc. to and in favor of ServisFirst Bank (incorporated herein by reference to Exhibit 10.2 on Form 8-K filed on September 1, 2022)

? Exhibit 10.2 ? AMENDED AND RESTATED REVOLVING NOTE ? $40,000,000 Birmingham, Alabama ? ? September 1, 2022 ? FOR VALUE RECEIVED, BRIDGEWATER BANCSHARES, INC., a corporation organized under the laws of the State of Minnesota (the ?Borrower?), promises to pay to the order of SERVISFIRST BANK, an Alabama banking corporation (hereinafter called the ?Lender? or, together with any other holder of this

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? September 1, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

Second Amendment to Loan and Security Agreement, dated as of September 1, 2022, by and between Bridgewater Bancshares, Inc. and ServisFirst Bank (incorporated herein by reference to Exhibit 10.1 on Form 8-K filed on September 1, 2022)

Exhibit 10.1 ? SECOND AMENDMENT TO LOAN AND SECURITY AGREEMENT ? This SECOND AMENDMENT TO LOAN AND SECURITY AGREEMENT (this ?Amendment?) is entered into as of September 1, 2022 by and between BRIDGEWATER BANCSHARES, INC., a corporation organized under the laws of the State of Minnesota (?Borrower?), and SERVISFIRST BANK, an Alabama banking corporation (?Lender?). ? PRELIMINARY STATEMENTS. Borrower

Financial Statements and Exhibits, Other Events

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? August 17, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) 0

Bridgewater Bancshares, Inc. Announces New Stock Repurchase Program

? ? ? ? ? Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | Director of Investor Relations jessica.

The Finest Entrepreneurial Bank in the Twin Cities Company Overview Branch - Light Model in Attractive Twin Cities Market Twin Cities MSA Name: Bridgewater Bancshares, Inc. Headquarters: St. Louis Park, MN Ticker: NASDAQ: BWB; BWBBP Assets: $3.9 Bill

Exhibit 99.1 Disclaimer Forward - Looking Statements This presentation contains ?forward - looking statements? within the meaning of the safe harbor provisions of the U.S. Private Sec urities Litigation Reform Act of 1995. Forward - looking statements include, without limitation, statements concerning plans, esti mates, calculations, forecasts and projections with respect to the anticipated future

Regulation FD Disclosure, Financial Statements and Exhibits

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? August 8, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) 00

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

1 Represents a Non - GAAP financial measure. See Appendix for Non - GAAP reconciliation 3 • Gross loan balances up $237.9 million, or 31.9% annualized, from 1Q22 • Investment securities balances up $23.5 million, or 20.5% annualized, from 1Q22 • Depo

Exhibit 99.2 EARNINGS PRESENTATION SECOND QUARTER 2022 2 Forward - Looking Statements This presentation contains ?forward - looking statements? within the meaning of the safe harbor provisions of the U.S. Private Sec urities Litigation Reform Act of 1995. Forward - looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with r

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 July 28, 2022 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File Nu

Bridgewater Bancshares, Inc. Announces Second Quarter 2022 Net Income of $12.9 Million, $0.41 Diluted Earnings Per Common Share

Exhibit 99.1 ? ? ? Media Contact: Jessica Stejskal | SVP Marketing [email protected] | 952.893.6860 Investor Contact: Justin Horstman | Director of Investor Relations [email protected] | 952.542.5169 ? July 28, 2022 ? Bridgewater Bancshares, Inc. Announces Second Quarter 2022 Net Income of $12.9 Million, $0.41 Diluted Earnings Per Common Share ? Bridgewater Bancshares, Inc. (Nasda

May 10, 2022

? ? May 10, 2022 ? VIA EDGAR ? United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

Exhibit 99.1

Exhibit 99.1

Regulation FD Disclosure, Financial Statements and Exhibits

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? May 4, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) 001-3

1 Represents a Non - GAAP financial measure. See Appendix for Non - GAAP reconciliation 3 • Gross loan balances up $168.5 million, or 24.2% annualized, from 4Q21 (26.5% ex. PPP) • Cash balances declined $71.6 million from 4Q21 as excess liquidity hel

Exhibit 99.2 EARNINGS PRESENTATION FIRST QUARTER 2022 2 Forward - Looking Statements This presentation contains ?forward - looking statements? within the meaning of the safe harbor provisions of the U.S. Private Sec urities Litigation Reform Act of 1995. Forward - looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with re

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? April 28, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) ?

PPNR ROA (1)

Exhibit 99.1 Bridgewater Bancshares, Inc. Announces First Quarter 2022 Net Income of $12.3 Million, $0.39 Diluted Earnings Per Common Share ? Bridgewater Bancshares, Inc. (Nasdaq: BWB) (the Company), the parent company of Bridgewater Bank (the Bank), today announced net income of $12.3 million for the first quarter of 2022, a 2.0% decrease over net income of $12.5 million for the fourth quarter of

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? April 28, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) 00

Filing Fee Table

Exhibit 107.1 ? Calculation of Filing Fee Table ? S-3 (Form Type) ? Bridgewater Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) ? Table 1: Newly Registered Securities ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered (a) Proposed Maximum Offering Price Per Unit (a) Maximum Aggregate Offering Price Fee Ra

Form of Indenture.

? Exhibit 4.6 BRIDGEWATER BANCSHARES, INC., as Issuer and , as Trustee INDENTURE Dated as of , 20 ? ? ? ? CROSS REFERENCE SHEET* Provisions of Trust Indenture Act of 1939, as amended, and Indenture to be dated as of , 20 by and between Bridgewater Bancshares, Inc. and , as Trustee: ? ? ? Section of the Trust Indenture Act Section of Indenture ? ? 310(a)(1), (2) and (5) 6.09 ? ? 310(a)(3) and (4) I

As filed with the Securities and Exchange Commission on April 27, 2022.

Table of Contents As filed with the Securities and Exchange Commission on April 27, 2022.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 ? ? Filed by the Registrant ? Filed by a Party other than the Registrant ? ? Check the appropriate box: ? Preliminary Proxy Statement ?

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 ? ? Filed by the Registrant ? Filed by a Party other than the Registrant ? ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, fo

Description of the Company’s Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934

Exhibit 4.1 DESCRIPTION OF THE COMPANY?S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 ? The common stock and depositary shares, each representing a 1/100th interest in a share of the Company?s 5.875% Non-Cumulative Perpetual Preferred Stock, Series A, $0.01 par value per share (the ?Depositary Shares?) of Bridgewater Bancshares, Inc. (the ?Company,? which is

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Joseph Chybowski†

Exhibit 10.29 ? Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (?Agreement?) is made and entered into as of January 1, 2022 (the ?Effective Date?), by and among Bridgewater Bancshares, Inc. (the ?Company?), Bridgewater Bank (the ?Bank? and together with the Company, the ?Employer?) and Joseph Mark Chybowski (?Executive,? and together with the Company, the ?Parties?). R

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Mary Jayne Crocker†

Exhibit 10.28 ? Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (?Agreement?) is made and entered into as of January 1, 2022 (the ?Effective Date?), by and among Bridgewater Bancshares, Inc. (the ?Company?), Bridgewater Bank (the ?Bank? and together with the Company, the ?Employer?) and Mary Jayne Crocker (?Executive,? and together with the Company, the ?Parties?). Reci

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Jeffrey Shellberg†

Exhibit 10.30 ? Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (?Agreement?) is made and entered into as of January 1, 2022 (the ?Effective Date?), by and among Bridgewater Bancshares, Inc. (the ?Company?), Bridgewater Bank (the ?Bank? and together with the Company, the ?Employer?) and Jeffrey D. Shellberg (?Executive,? and together with the Company, the ?Parties?). Re

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

Executive Employment Agreement, dated January 1, 2022 between Bridgewater Bancshares, Inc. and Jerry Baack†

Exhibit 10.27 ? Bridgewater Bancshares, Inc. Employment Agreement This Employment Agreement (?Agreement?) is made and entered into as of January 1, 2022 (the ?Effective Date?), by and among Bridgewater Bancshares, Inc. (the ?Company?), Bridgewater Bank (the ?Bank? and together with the Company, the ?Employer?) and Jerry Baack (?Executive,? and together with the Company, the ?Parties?). Recitals A.

BWB / Bridgewater Bancshares Inc / THRIVENT FINANCIAL FOR LUTHERANS - AMENDMENT TO CORRECT TABLE FIELD 9 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

Investor Presentation Fourth Quarter 2021 The Finest Entrepreneurial Bank in the Twin Cities Company Overview Branch - Light Model in Attractive Twin Cities Market Twin Cities MSA Name: Bridgewater Bancshares, Inc. Headquarters: St. Louis Park, MN Ti

Exhibit 99.2 Investor Presentation Fourth Quarter 2021 Disclaimer Forward - Looking Statements This presentation contains ?forward - looking statements? within the meaning of the safe harbor provisions of the U.S. Private Sec urities Litigation Reform Act of 1995. Forward - looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projectio

Regulation FD Disclosure, Financial Statements and Exhibits

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? February 24, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

BWB / Bridgewater Bancshares Inc / THRIVENT FINANCIAL FOR LUTHERANS Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

BWB / Bridgewater Bancshares Inc / Juran David B. - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 1) Bridgewater Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? January 25, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

PPNR ROA (1)

Exhibit 99.1 Bridgewater Bancshares, Inc. Announces Record Fourth Quarter 2021 Net Income of $12.5 Million, $0.39 Diluted Earnings Per Common Share ? Bridgewater Bancshares, Inc. (Nasdaq: BWB) (the Company), the parent company of Bridgewater Bank (the Bank), today announced net income of $12.5 million for the fourth quarter of 2021, an 8.7% increase over net income of $11.5 million for the third q

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? January 27, 2022 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

1 Includes a $0.04 negative impact related to the payment of BWB’s first preferred stock quarterly dividend in 4Q21 2 Represents a Non - GAAP financial measure. See Appendix for Non - GAAP reconciliation 3 • Gross loan balances up $107.5 million, or

Exhibit 99.2 2 Forward - Looking Statements This presentation contains ?forward - looking statements? within the meaning of the safe harbor provisions of the U.S. Private Sec urities Litigation Reform Act of 1995. Forward - looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with res pect to the anticipated future performa

1 Investor Presentation Third Quarter 2021 The Finest Entrepreneurial Bank in the Twin Cities Company Overview Branch-Light Model in Attractive Twin Cities Market Twin Cities MSA Name: Bridgewater Bancshares, Inc. Headquarters: St. Louis Park, MN Tic

Exhibit 99.1 1 Investor Presentation Third Quarter 2021 Disclaimer Forward-Looking Statements This presentation contains ?forward-looking statements? within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections wit

Regulation FD Disclosure, Financial Statements and Exhibits

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? November 8, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

1 Represents a Non-GAAP financial measure. See Appendix for Non-GAAP reconciliation 3 $0.40 Reported • Gross loan balances up $117.8 million, or 18.0% annualized from 2Q21 (25.9% ex. PPP) • Deposit balances up $133.3 million, or 19.4% annualized from

Exhibit 99.2 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of t

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 28, 2021 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

PPNR ROA (1)

? Exhibit 99.1 Bridgewater Bancshares, Inc. Announces Record Third Quarter 2021 Net Income of $11.5 Million, $0.40 Diluted Earnings Per Common Share ? Bridgewater Bancshares, Inc. (Nasdaq: BWB) (the Company), the parent company of Bridgewater Bank (the Bank), today announced net income of $11.5 million for the third quarter of 2021, a 4.7% increase over net income of $11.0 million for the second q

Bridgewater Bancshares, Inc. Declares Preferred Stock Dividend

? ? ? ? ? Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | Director of Investor Relations jessica.

Financial Statements and Exhibits, Other Events

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? October 26, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

Offer to Exchange Up to $30,000,000 aggregate principal amount of 3.250% Fixed-to-Floating Rate Subordinated Notes due 2031 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 3.250% Fixed-to-Floating R

? Filed pursuant to Rule 424(b)(3) Registration No. 333-259456 ? PROSPECTUS ? Offer to Exchange Up to $30,000,000 aggregate principal amount of 3.250% Fixed-to-Floating Rate Subordinated Notes due 2031 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 3.250% Fixed-to-Floating Rate Subordinated Notes due 2031 The exchange offer will expire at 11:59

September 22, 2021

September 22, 2021 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of U.S. Bank National Association (filed herewith).

EX-25.1 4 tmb-20210909xex25d1.htm EX-25.1 Exhibit 25.1 securities and exchange commission Washington, D.C. 20549 FORM T-1 Statement of Eligibility Under The Trust Indenture Act of 1939 of a Corporation Designated to Act as Trustee Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) U.S. BANK NATIONAL ASSOCIATION (Exact name of Trustee as specified in its cha

As filed with the Securities and Exchange Commission on September 10, 2021

As filed with the Securities and Exchange Commission on September 10, 2021 Registration No.

Form of Letter of Transmittal (filed herewith).

Exhibit 99.1 ? BRIDGEWATER BANCSHARES, INC. LETTER OF TRANSMITTAL To Tender for Exchange 3.250% Fixed-to-Floating Rate Subordinated Notes due 2031 CUISP #108621 AF0 / ISIN# US108621AF03 and CUSIP #108621 AG8 / ISIN# US108621AG85 (the ?Old Notes?) for 3.250% Fixed-to-Floating Rate Subordinated Notes due 2031 that have been registered under the Securities Act of 1933 (the ?Securities Act?) CUSIP #10

Bridgewater Bancshares, Inc. Announces Exercise and Closing of Over-Allotment for Depositary Shares Offering

? ? ? ? ? Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | Director of Investor Relations jessica.

Financial Statements and Exhibits, Other Events

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? August 20, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) 0

Deposit Agreement, dated as of August 17, 2021, among Bridgewater Bancshares, Inc., Computershare Inc. and Computershare Trust Company, N.A., jointly as depositary, and the holders from time to time of the depositary receipts issued thereunder (incorporated herein by reference to Exhibit 4.1 on Form 8-K filed on August 17, 2021)

Exhibit 4.1 ? DEPOSIT AGREEMENT ? among ? BRIDGEWATER BANCSHARES, INC., ? COMPUTERSHARE INC. AND COMPUTERSHARE TRUST COMPANY, N.A., as Depositary ? and ? COMPUTERSHARE TRUST COMPANY, N.A., AS REGISTRAR AND TRANSFER AGENT ? and ? THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN ? Dated as of August 17, 2021 ? ? ? ? TABLE OF CONTENTS ? ? ? ? Page ARTICLE I DEFINED TERMS 1 Se

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Bridgewater Bancshares, Inc. (Exact name of reg

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Bridgewater Bancshares, Inc. (Exact name of registrant as specified in its charter) ? ? Minnesota (State or other jurisdiction of incorporation or organization) 26-0113412 (I.R.S. Employer Identi

Statement of Designation of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A (incorporated herein by reference to Exhibit 3.1 on Form 8-K filed on August 17, 2021)

Exhibit 3.1 STATEMENT OF DESIGNATION OF 5.875% NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A OF BRIDGEWATER BANCSHARES, INC. The undersigned, Jerry Baack, does hereby certify that: 1. He is the duly elected and acting Chairman, Chief Executive Officer and President of Bridgewater Bancshares, Inc., a Minnesota corporation (the ?Company?). 2. In accordance with Section 302A.401, Subd. 3 of the

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Financial Statements and Exhibits, Other Events

? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? August 17, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation)

Underwriting Agreement, dated as of August 11, 2021, by and between Bridgewater Bancshares, Inc. and D.A. Davidson & Co., as Representative of the several underwriters named therein

EX-1.1 2 bwb-20210817xex1d1.htm EX-1.1 Exhibit 1.1 Execution Version 2,400,000 Depositary Shares Each Representing a 1/100th Interest in a Share of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A Bridgewater Bancshares, Inc. UNDERWRITING AGREEMENT August 11, 2021 D.A. DAVIDSON & CO. As representative of the several Underwriters named in Schedule I hereto 8 Third Street North, Davidson Bu

Bridgewater Bancshares, Inc. Announces Closing of $60.0 Million Depositary Shares Offering

? ? ? ? ? Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | Director of Investor Relations jessica.

Financial Statements and Exhibits, Other Events

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? August 11, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) ?

Pricing Term Sheet Bridgewater Bancshares, Inc. 2,400,000 Depositary Shares, Each Representing a 1/100th Interest in a Share of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A Term Sheet

Filed pursuant to Rule 433 Issuer Free Writing Prospectus, dated August 11, 2021 Supplementing the Preliminary Prospectus Supplement, dated August 9, 2021 Registration No.

2,400,000 Depositary Shares, Each Representing a 1/100th Interest in a Share of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A

Table of Contents Filed Pursuant to Rule 424(b)(5) File No. 333-230533 ? Prospectus Supplement (To prospectus dated April 4, 2019) 2,400,000 Depositary Shares, Each Representing a 1/100th Interest in a Share of 5.875% Non-Cumulative Perpetual Preferred Stock, Series A We are offering to sell 2,400,000 depositary shares, each representing a 1/100th ownership interest in a share of our 5.875% Non-Cu

Bridgewater Bancshares, Inc. Announces Pricing of $60.0 Million Depositary Shares Offering

? ? ? ? ? Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | Director of Investor Relations jessica.

Financial Statements and Exhibits, Other Events

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? August 9, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) ?

SUBJECT TO COMPLETION, DATED AUGUST 9, 2021

Table of Contents Filed Pursuant to Rule 424(b)(5) File No. 333-230533 The information in this preliminary prospectus supplement is not complete and may be changed. A registration statement relating to these securities has been declared effective by the Securities and Exchange Commission. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these securiti

Bridgewater Bancshares, Inc. Announces Offering of Depositary Shares

? ? ? ? ? Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | Director of Investor Relations jessica.

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 August 9, 2021 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

Filed pursuant to Rule 433 Issuer Free Writing Prospectus Dated August 9, 2021 Registration No. 333-230533 INVESTOR PRESENTATION AUGUST 2021

? Filed pursuant to Rule 433 Issuer Free Writing Prospectus Dated August 9, 2021 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

PPNR ROA (1)

EX-99.1 2 bwb-20210729xex99d1.htm EX-99.1 Exhibit 99.1 Bridgewater Bancshares, Inc. Announces Record Second Quarter 2021 Net Income of $11.0 Million, $0.38 Diluted Earnings Per Common Share Bridgewater Bancshares, Inc. (Nasdaq: BWB) (the Company), the parent company of Bridgewater Bank (the Bank), today announced net income of $11.0 million for the second quarter of 2021, a 3.0% increase over net

Investor Presentation Fourth Quarter 2019 2 Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-look

Exhibit 99.2 Investor Presentation Fourth Quarter 2019 2 Forward-Looking Statements This presentation contains ?forward-looking statements? within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? July 29, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) ? 0

Investor Presentation Fourth Quarter 2019 INVESTOR PRESENTATION SUBORDINATED NOTES OFFERING Strictly Private & Confidential Forward-Looking Statements This Confidential Investor Presentation contains “forward-looking statements” within the meaning of

Exhibit 99.2 Investor Presentation Fourth Quarter 2019 INVESTOR PRESENTATION SUBORDINATED NOTES OFFERING Strictly Private & Confidential Forward-Looking Statements This Confidential Investor Presentation contains ?forward-looking statements? within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without lim

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? July 8, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) ? 00

Form of Registration Rights Agreement, dated July 8, 2021, by and among Bridgewater Bancshares, Inc. and the Purchasers.

Execution Version REGISTRATION RIGHTS AGREEMENT This REGISTRATION RIGHTS AGREEMENT (the ?Agreement?) is dated as of July 8, 2021 and is made by and among Bridgewater Bancshares, Inc.

Forms of 3.25% Fixed-to-Floating Rate Subordinated Note due July 15, 2031 (included as Exhibit A-1 and Exhibit A-2 to the Indenture filed as Exhibit 4.1 hereto).

Exhibit 4.1 BRIDGEWATER BANCSHARES, INC. As Issuer, and U.S. BANK NATIONAL ASSOCIATION As Trustee INDENTURE Dated as of July 8, 2021 3.250% Fixed-to-Floating Rate Subordinated Notes due 2031 ? Table of Contents ? Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE?1 Section 101Definitions?1 Section 102Compliance Certificates and Opinions?10 Section 103Form of Documents Delivered to Trustee?1

Bridgewater Bancshares, Inc. Completes Private Placement of $30.0 Million of 3.25% Fixed-to-Floating Rate Subordinated Notes

? ? ? ? ? Media Contact: Investor Contact: Jessica Stejskal | SVP MarketingJustin Horstman | Director of Investor Relations jessica.

Form of Subordinated Note Purchase Agreement, dated July 8, 2021 by and among Bridgewater Bancshares, Inc. and the Purchasers.

Execution Version SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of July 8, 2021, and is made by and among Bridgewater Bancshares, Inc.

Quarterly Report - 10-Q

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

PPNR ROA (1)

Exhibit 99.1 Bridgewater Bancshares, Inc. Announces Record First Quarter 2021 Net Income of $10.7 Million, $0.37 Diluted Earnings Per Share ? Bridgewater Bancshares, Inc. (Nasdaq: BWB) (the Company), the parent company of Bridgewater Bank (the Bank), today announced net income of $10.7 million for the first quarter of 2021, a 43.4% increase over net income of $7.4 million for the first quarter of

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? April 29, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) ?

Investor Presentation Fourth Quarter 2019 2 Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. F

Exhibit 99.2 Investor Presentation Fourth Quarter 2019 2 Disclaimer Forward-Looking Statements This presentation contains ?forward-looking statements? within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections wi

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 April 29, 2021 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File N

- DEF 14A

DEF 14A 1 tmb-20210427xdef14a.htm DEF 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ⌧ Filed by a Party other than the Registrant ◻ Check the appropriate b

Annual Report - 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

Pledge Agreement, dated as of March 1, 2021, by and between Bridgewater Bancshares, Inc., as Borrower, and ServisFirst Bank, as Lender.

?Exhibit 10.3 ? PLEDGE AGREEMENT THIS PLEDGE AGREEMENT is made and entered into as of March 1, 2021, by and between BRIDGEWATER BANCSHARES, INC., a corporation organized under the laws of the State of Minnesota (?Borrower?), and SERVISFIRST BANK, an Alabama banking corporation (?Lender?). W I T N E S S E T H: Borrower has executed and delivered to Lender a certain Revolving Note (the ?Note?) and a

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ? FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? March 1, 2021 Date of Report (Date of earliest event reported) ? BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) ? ? ? ? ? ? ? ? ? Minnesota (State or other jurisdiction of incorporation) ? 0

Loan and Security Agreement, dated as of March 1, 2021, by and between Bridgewater Bancshares, Inc., as Borrower, and ServisFirst Bank, as Lender.

?Exhibit 10.1 ? ? ? ? ? ? ? ? ? ? ???????????????????????????????????????????????????????????????? ? ? LOAN AND SECURITY AGREEMENT ? By and Between ? ? BRIDGEWATER BANCSHARES, INC. ? and ? SERVISFIRST BANK ? March 1, 2021 ? ? ???????????????????????????????????????????????????????????????? ? ? ?? LOAN AND SECURITY AGREEMENT THIS LOAN AND SECURITY AGREEMENT (this ?Agreement?) is made and entered in

Revolving Note, dated as of March 1, 2021, made by Bridgewater Bancshares, Inc., as Borrower, to and in favor of ServisFirst Bank, as Lender.

?Exhibit 10.2 ? ? REVOLVING NOTE ? $25,000,000Birmingham, Alabama ?March 1, 2021 ? FOR VALUE RECEIVED, BRIDGEWATER BANCSHARES, INC., a corporation organized under the laws of the State of Minnesota (the ?Borrower?), promises to pay to the order of SERVISFIRST BANK, an Alabama banking corporation (hereinafter called the ?Lender? or, together with any other holder of this note, the ?Holder?), the pr

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )*

SC 13G 1 tfl13gbridgewater.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Bridgewater Bancshares Inc (Name of Issuer) Common Stock (Title of Class of Securities) 108621103 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate

SCHEDULE 13G Under the Securities Exchange Act of 1934 Bridgewater Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Bridgewater Bancshares, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 108621103 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

POWER OF ATTORNEY

EX-1 2 tm215347d1ex1.htm EXHIBIT A Exhibit 1 POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints each of Joe Chybowski and Ben Klocke, each with full power and authority to act alone, as the undersigned’s true and lawful attorney-in-fact to: (1)           prepare, execute for and on behalf of the undersigned, and submit to the United States Securities

Investor Presentation Fourth Quarter 2019 2 Why Bridgewater Bank? Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation

Exhibit 99.2 Investor Presentation Fourth Quarter 2019 2 Why Bridgewater Bank? Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, foreca

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 January 28, 2021 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

PPNR ROA (1)

Exhibit 99.1 Bridgewater Bancshares, Inc. Announces Fourth Quarter 2020 Financial Results Bridgewater Bancshares, Inc. (Nasdaq: BWB) (the Company), the parent company of Bridgewater Bank (the Bank), today announced net income of $5.0 million, or $0.17 per diluted common share, for the fourth quarter of 2020, compared to net income of $7.2 million, or $0.25 per diluted common share, for the third q

Quarterly Report - 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Numbe

Investor Presentation Fourth Quarter 2019 2 Why Bridgewater Bank? Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation

Exhibit 99.2 Investor Presentation Fourth Quarter 2019 2 Why Bridgewater Bank? Disclaimer Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, foreca

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 October 27, 2020 Date of Report (Date of earliest event reported) BRIDGEWATER BANCSHARES, INC. (Exact name of registrant as specified in its charter) Minnesota (State or other jurisdiction of incorporation) 001-38412 (Commission File

Bridgewater Bancshares Announces Changes to Stock Repurchase Program

For Immediate Release Contact: Jerry Baack President & CEO Bridgewater Bancshares, Inc.

Tangible common equity

Exhibit 99.1 Bridgewater Bancshares, Inc. Announces Third Quarter 2020 Net Income of $7.2 Million, $0.25 Diluted Earnings Per Share Bridgewater Bancshares, Inc. (Nasdaq: BWB) (the Company), the parent company of Bridgewater Bank (the Bank), today announced net income of $7.2 million, or $0.25 per diluted common share, for the third quarter of 2020, compared to net income of $7.6 million, or $0.26