Water-lubricated bearings are widely used in marine equipment, and the lubricating water often contains hard particles. Once these particles enter the gap between the bearing and the shaft, they can scratch the smooth surfaces of the shaft and bearing, influencing the working performance of the bearing system. To investigate the effect of scratch parameters on tribological performance, this paper conducts multiple block-on-ring experiments and constructs a mixed-lubrication model under water-lubrication conditions. The results show that among the three commonly used bearing materials, the tribological performance of graphite block is the most sensitive to scratches on the test ring surface. Under the condition of one scratch (N = 1), the loading area of water film pressure is divided into two separate zones (a trapezoidal pressure zone and an extremely low-pressure zone). In addition, the variation of maximum water film pressure is determined by the positive effect (hydrodynamic pressure effect of fluid) and negative effect (“piercing effect” of the asperities). Compared with the scratch depth and scratch location, the scratch width has the most significant effect on the tribological performance of the block-on-ring system. The maximum contact pressure is located at both edges of the scratch due to the formation of a water sac structure. The scratch has a great influence on the transition of the lubrication state of the block-on-ring system. The existence of scratches increases the critical speed at which the lubrication state transits from mixed-lubrication to elastohydrodynamic lubrication, and the critical speed is directly proportional to the scratch width.