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  <xsd:element name="BridgewaterBancsharesInc2017CombinedIncentiveAndNonStatutoryStockOptionPlanMember" id="bwb_BridgewaterBancsharesInc2017CombinedIncentiveAndNonStatutoryStockOptionPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BridgewaterBancsharesInc2012CombinedIncentiveAndNonStatutoryStockOptionPlanMember" id="bwb_BridgewaterBancsharesInc2012CombinedIncentiveAndNonStatutoryStockOptionPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExcessCommonEquityTierOneCapitalRequiredForCapitalAdequacy" id="bwb_ExcessCommonEquityTierOneCapitalRequiredForCapitalAdequacy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ExcessCommonEquityTierOneCapitalRatioRequiredForCapitalAdequacyToRiskWeightedAssets" id="bwb_ExcessCommonEquityTierOneCapitalRatioRequiredForCapitalAdequacyToRiskWeightedAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="TwoThousandNineteenEquityIncentivePlanMember" id="bwb_TwoThousandNineteenEquityIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SubordinatedDebtDue2030Member" id="bwb_SubordinatedDebtDue2030Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeWeightedAverageStrikeRate" id="bwb_DerivativeWeightedAverageStrikeRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfCommonStockSharesEntitledUponVesting" id="bwb_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfCommonStockSharesEntitledUponVesting" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="AmortizationOfPremiumsDerivativeInstruments" id="bwb_AmortizationOfPremiumsDerivativeInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LoanAndSecurityAgreementMember" id="bwb_LoanAndSecurityAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SubordinatedDebtDue2031Member" id="bwb_SubordinatedDebtDue2031Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DepositarySharesMember" id="bwb_DepositarySharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OneToFourFamilyConstructionMember" id="bwb_OneToFourFamilyConstructionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableNonaccrualWithAllowance" id="bwb_FinancingReceivableNonaccrualWithAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IndividuallyEvaluatedLoansMember" id="bwb_IndividuallyEvaluatedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherCollateralMember" id="bwb_OtherCollateralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivablesIndividuallyEvaluatedForImpairment" id="bwb_FinancingReceivablesIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="FinancingReceivablesAllowanceForCreditLossIndividuallyEvaluatedForImpairment" id="bwb_FinancingReceivablesAllowanceForCreditLossIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="SummaryOfAmortizedCostBasisOfCollateralDependentLoansIndividuallyEvaluatedAndRelatedAclAllocatedTableTextBlock" id="bwb_SummaryOfAmortizedCostBasisOfCollateralDependentLoansIndividuallyEvaluatedAndRelatedAclAllocatedTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OffsettingAssetsAndLiabilitiesTableTextBlock" id="bwb_OffsettingAssetsAndLiabilitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OffBalanceSheetAllowanceForCreditLossTableTextBlock" id="bwb_OffBalanceSheetAllowanceForCreditLossTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositionsPercentage" id="bwb_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositionsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TwoThousandTwentyThreeEquityIncentivePlanMember" id="bwb_TwoThousandTwentyThreeEquityIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="JerryBaackMember" id="bwb_JerryBaackMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NoninterestIncomeLettersOfCreditFees" id="bwb_NoninterestIncomeLettersOfCreditFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NoninterestIncomeDebitCardInterchangeFees" id="bwb_NoninterestIncomeDebitCardInterchangeFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NoninterestIncomeSwapFees" id="bwb_NoninterestIncomeSwapFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NoninterestIncomePrepaymentFeesOnFederalHomeLoanBank" id="bwb_NoninterestIncomePrepaymentFeesOnFederalHomeLoanBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NoninterestExpenseDerivativeInstrumentCollateralFee" id="bwb_NoninterestExpenseDerivativeInstrumentCollateralFee" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableModificationsNumberOfContracts1" id="bwb_FinancingReceivableModificationsNumberOfContracts1" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FairValueAssetsMeasuredOnNonrecurringBasisObservableInputDiscountingCriteriaPercentage" id="bwb_FairValueAssetsMeasuredOnNonrecurringBasisObservableInputDiscountingCriteriaPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StockRepurchaseProgram2022Member" id="bwb_StockRepurchaseProgram2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfBankBranches" id="bwb_NumberOfBankBranches" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FirstMinnetonkaCityBankMember" id="bwb_FirstMinnetonkaCityBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LeasePortfolioSegmentMember" id="bwb_LeasePortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NoninterestIncomeInvestmentAdvisoryFees" id="bwb_NoninterestIncomeInvestmentAdvisoryFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SubordinatedDebtDue2035Member" id="bwb_SubordinatedDebtDue2035Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="O2025Q3DividendsMember" id="bwb_O2025Q3DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NorthAmericaOtherStatesMember" id="bwb_NorthAmericaOtherStatesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfCreditRiskParticipationAgreementDerivativesTableTextBlock" id="bwb_ScheduleOfCreditRiskParticipationAgreementDerivativesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentDebtIssuanceCostAmortizationPeriod" id="bwb_DebtInstrumentDebtIssuanceCostAmortizationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtInstrumentIssuedPricePercentageOfPrincipalAmount" id="bwb_DebtInstrumentIssuedPricePercentageOfPrincipalAmount" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AmountsReclassifiedFromAociIntoEarningsRelatedToHedgeIneffectiveness" id="bwb_AmountsReclassifiedFromAociIntoEarningsRelatedToHedgeIneffectiveness" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableModificationsLoanExtensionTerm" id="bwb_FinancingReceivableModificationsLoanExtensionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
