Bridgewater Bancshares, Inc., headquartered in Bridgewater, South Dakota, is the bank holding company for Bridgewater State Bank. The company provides a full range of retail and commercial banking services to individuals, small businesses, farmers and nonprofit organizations across eastern South Dakota.
Bridgewater State Bank’s product offerings include a variety of deposit accounts—such as checking, savings, money market and certificate of deposit accounts—alongside commercial real estate, agricultural and consumer lending solutions. The bank also participates in government-guaranteed lending programs and delivers digital banking services, including online and mobile access, to enhance customer convenience and streamline financial management.
Rooted in its community banking heritage, Bridgewater Bancshares places strong emphasis on local decision-making and personalized customer service. The company supports regional economic growth by financing small business ventures, residential real estate projects and agricultural operations, while maintaining a focus on credit quality and prudent risk management.
Bridgewater Bancshares is regulated by both state and federal banking authorities, and its deposits are insured by the Federal Deposit Insurance Corporation. Governance is provided by a board of directors composed of community business leaders, ensuring that the company’s strategy aligns with the needs and opportunities of the region it serves.
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