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  <xs:element id="bwfg_MaximumPercentOfLoanInComparisonWithOriginalAppraisedValueOfProperty" abstract="false" name="MaximumPercentOfLoanInComparisonWithOriginalAppraisedValueOfProperty" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bwfg_NumberOfLoans" abstract="false" name="NumberOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bwfg_InterestIncomeLostOnNonaccrualLoansInDefault" abstract="false" name="InterestIncomeLostOnNonaccrualLoansInDefault" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableRecordedInvestmentNonaccrualWithNoAllowanceForLoanLossesStatusNonaccrualWithNoAllowanceForLoanLossesStatus" abstract="false" name="FinancingReceivableRecordedInvestmentNonaccrualWithNoAllowanceForLoanLossesStatusNonaccrualWithNoAllowanceForLoanLossesStatus" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableModificationsNumberOfNewLoans" abstract="false" name="FinancingReceivableModificationsNumberOfNewLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bwfg_FinancingReceivableModifiedNonaccrualStatusContracts" abstract="false" name="FinancingReceivableModifiedNonaccrualStatusContracts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bwfg_FinancingReceivableModifiedReDefaulted" abstract="false" name="FinancingReceivableModifiedReDefaulted" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bwfg_OtherLoansMember" abstract="true" name="OtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_FinancingReceivableAllowanceForCreditLossRecoveryNet" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_CommercialRealEstateLoansMember" abstract="true" name="CommercialRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAmortizedCost" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment" abstract="false" name="FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_LoansCollectivelyEvaluatedForImpairmentAbstract" abstract="true" name="LoansCollectivelyEvaluatedForImpairmentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bwfg_FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment" abstract="false" name="FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_LoansWithoutSpecificValuationAllowanceAbstract" abstract="true" name="LoansWithoutSpecificValuationAllowanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bwfg_FinancingReceivableWithNoRelatedAllowanceCarryingValue" abstract="false" name="FinancingReceivableWithNoRelatedAllowanceCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableWithNoRelatedAllowanceIndividuallyEvaluatedUnpaidPrincipalBalance" abstract="false" name="FinancingReceivableWithNoRelatedAllowanceIndividuallyEvaluatedUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_LoansWithSpecificValuationAllowanceAbstract" abstract="true" name="LoansWithSpecificValuationAllowanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bwfg_FinancingReceivableWithRelatedAllowanceIndividuallyEvaluatedRecordedInvestment" abstract="false" name="FinancingReceivableWithRelatedAllowanceIndividuallyEvaluatedRecordedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableWithRelatedAllowanceIndividuallyEvaluatedUnpaidPrincipalBalance" abstract="false" name="FinancingReceivableWithRelatedAllowanceIndividuallyEvaluatedUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_LoansWithAndWithOutSpecificValuationAllowanceAbstract" abstract="true" name="LoansWithAndWithOutSpecificValuationAllowanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bwfg_FinancingReceivableIndividuallyEvaluatedRecordedInvestment" abstract="false" name="FinancingReceivableIndividuallyEvaluatedRecordedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableIndividuallyEvaluatedUnpaidPrincipalBalance" abstract="false" name="FinancingReceivableIndividuallyEvaluatedUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableIndividuallyEvaluatedRelatedAllowance" abstract="false" name="FinancingReceivableIndividuallyEvaluatedRelatedAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableModifiedAverageCarryingAmountWithNoRelatedAllowance" abstract="false" name="FinancingReceivableModifiedAverageCarryingAmountWithNoRelatedAllowance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableModifiedInterestIncomeWithNoRelatedAllowance" abstract="false" name="FinancingReceivableModifiedInterestIncomeWithNoRelatedAllowance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableModifiedAverageCarryingAmountWithRelatedAllowance" abstract="false" name="FinancingReceivableModifiedAverageCarryingAmountWithRelatedAllowance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableModifiedInterestIncomeWithRelatedAllowance" abstract="false" name="FinancingReceivableModifiedInterestIncomeWithRelatedAllowance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableModifiedAverageCarryingAmount" abstract="false" name="FinancingReceivableModifiedAverageCarryingAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FinancingReceivableModifiedInPeriodInterestIncomeAmount" abstract="false" name="FinancingReceivableModifiedInPeriodInterestIncomeAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_PriorPlanMember" abstract="true" name="PriorPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_A2024ShareRepurchasePlanMember" abstract="true" name="A2024ShareRepurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_WeightedAveragePriceOfStockRepurchasedDuringPeriodPerShares" abstract="false" name="WeightedAveragePriceOfStockRepurchasedDuringPeriodPerShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="bwfg_AccumulatedOtherComprehensiveIncomeLossRollForward" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bwfg_DividendsToParticipatingSecurities" abstract="false" name="DividendsToParticipatingSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_BankwellFinancialGroupIncMember" abstract="true" name="BankwellFinancialGroupIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_BankingRegulationTierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer" abstract="false" name="BankingRegulationTierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_BankingRegulationsTierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets" abstract="false" name="BankingRegulationsTierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bwfg_TimeDepositMaturitiesAfterYearFour" abstract="false" name="TimeDepositMaturitiesAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_BrokerageCertificateOfDeposits" abstract="false" name="BrokerageCertificateOfDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_BrokeredMoneyMarketAccounts" abstract="false" name="BrokeredMoneyMarketAccounts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_InterestExpenseDepositLiabilitiesNoticeOfWithdrawalAndMoneyMarket" abstract="false" name="InterestExpenseDepositLiabilitiesNoticeOfWithdrawalAndMoneyMarket" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_BncFinancialGroupIncStockOptionPlan2012Member" abstract="true" name="BncFinancialGroupIncStockOptionPlan2012Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_PercentageOfGrantAsShareQuantityForWhichPerformanceMetricIsMet" abstract="false" name="PercentageOfGrantAsShareQuantityForWhichPerformanceMetricIsMet" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bwfg_RollingPeriodOfFederalHomeLoanBankAdvancesConvertedToFixedRates" abstract="false" name="RollingPeriodOfFederalHomeLoanBankAdvancesConvertedToFixedRates" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bwfg_AccruedInterestReceivableExcludedFromFairValueOfDerivativeAssets" abstract="false" name="AccruedInterestReceivableExcludedFromFairValueOfDerivativeAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_AccruedInterestReceivableIncludedInFairValueOfDerivativeAssets" abstract="false" name="AccruedInterestReceivableIncludedInFairValueOfDerivativeAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_AccruedInterestPayableExcludedFromFairValueOfDerivativeAssets" abstract="false" name="AccruedInterestPayableExcludedFromFairValueOfDerivativeAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_AccruedInterestPayableIncludedInFairValueOfDerivativeAssets" abstract="false" name="AccruedInterestPayableIncludedInFairValueOfDerivativeAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_FairValueSwapMember" abstract="true" name="FairValueSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_AccruedInterestPayableIncludedInFairValueOfDerivativeLiability" abstract="false" name="AccruedInterestPayableIncludedInFairValueOfDerivativeLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_AccruedInterestReceivableFairValueDisclosure" abstract="false" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_SavingsFairValueDisclosure" abstract="false" name="SavingsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_TimeDepositsFairValueDisclosure" abstract="false" name="TimeDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_DebtSecuritiesHeldToMaturityMeasurementInput" abstract="false" name="DebtSecuritiesHeldToMaturityMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="bwfg_IndividuallyEvaluatedLoans" abstract="false" name="IndividuallyEvaluatedLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bwfg_SecuritiesReceivedOnIndividuallyEvaluatedFinancingReceivablesFairValueDisclosureMember" abstract="true" name="SecuritiesReceivedOnIndividuallyEvaluatedFinancingReceivablesFairValueDisclosureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_ValuationCashSurrenderValueMember" abstract="true" name="ValuationCashSurrenderValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_A325SubordinatedNoteDue2031Member" abstract="true" name="A325SubordinatedNoteDue2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_A600SubordinatedNoteDue2032Member" abstract="true" name="A600SubordinatedNoteDue2032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bwfg_DebtInstrumentNonCallablePeriod" abstract="false" name="DebtInstrumentNonCallablePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
</xs:schema>
