BlastPoint's Banking Scorecard
Bogota Savings Bank
Teaneck, NJ
10 branches across NJ
Bogota Savings Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 12.7% in tier
- - Liquidity Strain: Bottom 17.1% in tier
- - Efficiency Drag: Bottom 21.3% in tier
- - Capital Constraint: Bottom 73.2% in tier
- - Return on Assets 0.98% below tier average
- - Net Interest Margin 1.77% below tier average
- - Non-Interest-Bearing Deposit Share 16.19% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$875.2M
-6.0% YoY
-3.0% QoQ
|
+$489.1M |
$386.1M
+0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
Top 4.8% in tier |
| Total Loans ? |
$639.7M
-8.9% YoY
-1.3% QoQ
|
+$384.0M |
$255.7M
+1.1% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
Top 4.5% in tier |
| Total Deposits ? |
$607.3M
-5.5% YoY
-7.8% QoQ
|
+$279.4M |
$328.0M
+0.1% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Top 11.9% in tier |
| Return on Assets ? |
0.29%
+3.3% YoY
+50.8% QoQ
|
-0.98% |
1.27%
+12.9% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.6% in tier |
| Net Interest Margin ? |
2.16%
+32.9% YoY
+20.8% QoQ
|
-1.77% |
3.93%
+6.0% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio ? |
80.71%
-7.9% YoY
-10.3% QoQ
|
+15.43% |
65.29%
-4.5% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate ? |
2.05%
+6.5% YoY
+1.7% QoQ
|
+1.16% |
0.89%
+18.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.1% in tier |
| Loan-to-Deposit Ratio ? |
105.33%
-3.6% YoY
+7.1% QoQ
|
+28.69% |
76.64%
+0.8% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.83%
-11.8% YoY
+11.2% QoQ
|
-16.19% |
22.02%
-1.0% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.5% in tier |
| Nonperforming Asset Ratio ? |
1.50%
+3.2% YoY
+3.5% QoQ
|
+0.86% |
0.64%
+19.7% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.5% in tier |
| Tier 1 Capital Ratio ? |
15.10%
+11.4% YoY
+5.2% QoQ
|
-0.73% |
15.83%
+1.5% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.03%
-67.4% YoY
-83.8% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.8% in tier |
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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 (0)
Concerns (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.