Management repeatedly emphasized core deposit growth as central to the profitability gains. Robbins said Valley grew core deposits by nearly $4 billion, or 9%, year over year, driven by deeper customer engagement and operating account wins tied to prior investments in talent and technology.Robbins noted the company’s adjusted return on average assets was 1.14%, its highest level since the fourth quarter of 2022. For full-year 2025, Valley produced $598 million of net income, or $585 million on an adjusted b ...

Bridgewater Bancshares (NasdaqCM:BWB) Q4 2025 Earnings call January 28, 2026 09:00 AM ET Company ParticipantsJerry Baack - Chairman and CEOJoseph Chybowski - President and CFOJustin Horstman - VP of Investor RelationsKatie Morrell - Chief Credit OfficerNick Place - Chief Banking OfficerConference Call ParticipantsBrendan Nosal - AnalystJeff Rulis - AnalystNathan Race - AnalystOperatorGood morning, and welcome to the Bridgewater Bancshares 2025 fourth quarter earnings call. My name is Betsy, and I will be yo ...