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Bogota Savings Bank

$100M-$1B Specialty: Mortgage NJ FDIC cert 29941

Teaneck, NJ

8 branches across NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
  • Deposits -9.5% year over year ($577.8M on the books).
  • Delinquency rate 4.31%.
  • Return on assets 0.29%.
  • Efficiency ratio 81.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 110.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

Bogota Savings Bank faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 13.8% in tier
  • - Liquidity Strain: Bottom 19.2% in tier
  • - Efficiency Drag: Bottom 36.0% in tier
  • - Capital Constraint: Bottom 77.6% in tier
  • - Return on Assets 1.03% below tier average
  • - Net Interest Margin 1.97% below tier average
  • - Delinquency Rate 3.40% above tier average
  • - Non-Interest-Bearing Deposit Share 16.14% below tier average
Get updates when Bogota Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $871.8M
-5.5% YoY -0.4% QoQ
+$485.2M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
Top 4.8% in tier
Total Loans ? $637.9M
-8.0% YoY -0.3% QoQ
+$379.5M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
Top 4.5% in tier
Total Deposits ? $577.8M
-9.5% YoY -4.9% QoQ
+$251.1M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
Top 13.7% in tier
Return on Assets ? 0.29%
+65.5% YoY +0.0% QoQ
-1.03% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 7.1% in tier
Net Interest Margin ? 2.02%
+21.5% YoY -6.4% QoQ
-1.97% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 0.9% in tier
Efficiency Ratio ? 81.99%
-11.2% YoY +1.6% QoQ
+17.51% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
Bottom 11.8% in tier
Delinquency Rate ? 4.31%
+115.8% YoY +110.6% QoQ
+3.40% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
Bottom 3.3% in tier
Loan-to-Deposit Ratio ? 110.40%
+1.6% YoY +4.8% QoQ
+32.44% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
Bottom 2.8% in tier
Non-Interest-Bearing Deposit Share ? 5.89%
-7.4% YoY +1.1% QoQ
-16.14% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 4.6% in tier
Nonperforming Asset Ratio ? 3.16%
+110.0% YoY +110.8% QoQ
+2.49% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
Bottom 2.9% in tier
Tier 1 Capital Ratio ? 15.54%
+10.3% YoY +2.9% QoQ
-0.37% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.09%
-21.6% YoY +222.3% QoQ
-0.47% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 5.9%
-0.5pp YoY
+0.1pp QoQ
 -16.3pp 22.1% 16.6% 22.2% 4%
Brokered Deposits 16.6%
-0.3pp YoY
+1.9pp QoQ
 +8.7pp 7.9% 10.1% 8.5% 87%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 0.4%
-0.2pp YoY
0.0pp QoQ
 -11.2pp 11.6% 6.5% 12.5% 2%
CRE 31.6%
-2.1pp YoY
+0.2pp QoQ
 -8.0pp 39.5% 56.3% 41.4% 37%
1-4 Family 68.4%
+2.3pp YoY
-0.1pp QoQ
 +35.8pp 32.6% 39.4% 31.3% 94%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.3% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.8% 19.7% n/a
Leverage Ratio 15.5%
+1.4pp YoY
+0.4pp QoQ
 +3.4pp 12.2% 13.4% 12.6% 89%
Total Capital Ratio n/a n/a 19.9% 19.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 59
+1 (+1.7%) YoY
+6 (+11.3%) QoQ
 +0 58 336 482 62%
Assets per Employee ($) $14.8M
-7.1% YoY
-10.5% QoQ
 +$7.3M $7.5M $11.2M $8.8M 97%
Branch Count 8
0 YoY
0 QoQ
 +3 4 20 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 4.3%
+2.3pp YoY
+2.3pp QoQ
 +3.4pp 0.9% 0.8% 1.0% 97%
Allowance Coverage 0.09x
-49.8% YoY
-52.4% QoQ
 -24.06x 24.15x 6.57x 20.23x 0%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 1.9%
+0.6pp YoY
0.0pp QoQ
 -10.3pp 12.2% 6.4% 11.6% 6%
Cost of Funds (YTD) 3.0%
-0.4pp YoY
-0.1pp QoQ
 +1.2pp 1.7% 1.9% 1.7% 97%
Net Income ($, YTD) $1.3M
+55.2% YoY
— QoQ
 -$1.3M $2.6M $19.8M $40.4M 35%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Deposit Outflow

decline
#75 of 535 • Bottom 13.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#134 of 691 • Bottom 19.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 110.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#131 of 361 • Bottom 36.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.99%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

Capital Constraint

risk
#84 of 107 • Bottom 77.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 110.40%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.54%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

121
Total Loans
size
Value: $637.87M
Peer Median: $258.35M
#121 of 2643 Top 4.5% in $100M-$1B
127
Total Assets
size
Value: $871.76M
Peer Median: $386.57M
#127 of 2643 Top 4.8% in $100M-$1B
364
Total Deposits
size
Value: $577.80M
Peer Median: $326.73M
#364 of 2643 Top 13.7% in $100M-$1B

Top Weaknesses (8 metrics)

2620
Net Interest Margin
profitability
Value: 2.02%
Peer Median: 3.99%
#2620 of 2643 Bottom 0.9% in $100M-$1B
2571
Loan-to-Deposit Ratio
liquidity
Value: 110.40%
Peer Median: 77.95%
#2571 of 2643 Bottom 2.8% in $100M-$1B
2567
Nonperforming Asset Ratio
credit_quality
Value: 3.16%
Peer Median: 0.67%
#2567 of 2643 Bottom 2.9% in $100M-$1B
2546
Delinquency Rate
credit_quality
Value: 4.31%
Peer Median: 0.92%
#2546 of 2633 Bottom 3.3% in $100M-$1B
2523
Non-Interest-Bearing Deposit Share
funding
Value: 5.89%
Peer Median: 22.03%
#2523 of 2643 Bottom 4.6% in $100M-$1B
2456
Return on Assets
profitability
Value: 0.29%
Peer Median: 1.32%
#2456 of 2643 Bottom 7.1% in $100M-$1B
2332
Efficiency Ratio
profitability
Value: 81.99%
Peer Median: 64.48%
#2332 of 2643 Bottom 11.8% in $100M-$1B
2198
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2198 of 2643 Bottom 16.9% in $100M-$1B
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