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Bogota Savings Bank

Teaneck, NJ · Cert 29941 · Bogota Financial MHC

SI · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bogota Savings Bank

Teaneck, NJ · Cert 29941 · Bogota Financial MHC

SI · FDIC · 8 branches

Q2 2026

$871.8MAssets
$640.4MLoans
$577.8MDeposits
$132.5MEquity
Loan mix
100%RE $639.3M0%C&I $2.8M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $543.7M6%Noninterest $34.1MQ2 2025Q2 2026

NIM

4.18%Q2 ’244.63%Q2 ’254.67%Q2 ’26+45%+22%

Non-interest income vs. expense

1.49%Q2 ’241.66%Q2 ’251.72%Q2 ’26+2%+8%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #90 of 151 inst. · $0.6B of $2921.1B

0.7% Bergen
0.1% Morris
0.1% Passaic
0.1% Essex

Executive Summary

  • Earnings: ROA of 0.29%, up 11 bps year over year; NIM at 1.90%.
  • Asset quality: problem loans at 4.30% of loans (+231 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.54%, up 145 bps from a year ago.
  • Funding: loans stand at 110.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%+11 bps YoY

Net Interest Margin (YTD, annualized)

1.90%+35 bps YoY

Efficiency Ratio (YTD, annualized)

81.99%-1,039 bps YoY

Tier 1 Leverage Ratio

15.54%+145 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.17%0.19%0.29%0.29%+11 bps
Return on Equity1.30%1.26%1.39%1.96%1.94%+64 bps
Net Interest Margin1.55%1.58%1.66%1.99%1.90%+35 bps
Efficiency Ratio92.38%91.72%89.94%80.71%81.99%-1,039 bps
Non-Interest Burden1.42%1.44%1.48%1.59%1.52%+11 bps
Growth
Asset Growth (YoY)-5.43%-5.68%-7.16%-5.97%-5.47%-5 bps
Loan Growth (YoY)-2.06%-5.60%-8.98%-8.85%-8.01%-595 bps
Deposit Growth (YoY)-3.26%2.27%1.02%-5.47%-9.46%-620 bps
Asset Quality
Nonperforming Loans / Loans1.99%3.04%2.01%2.04%4.30%+231 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans0.37%0.38%0.39%0.40%0.40%+3 bps
Allowance Coverage of NPLs0.2x0.1x0.2x0.2x0.1x-0.1x
Capital
Tier 1 Leverage Ratio14.09%14.12%14.35%15.10%15.54%+145 bps
Total Risk-Based Capital14.09%14.12%14.35%15.10%15.54%+145 bps
Equity / Assets13.80%14.03%14.44%15.03%15.20%+140 bps
Liquidity & Funding
Loans / Deposits109.09%102.76%98.76%105.75%110.84%+175 bps
Liquid Assets / Assets1.18%2.34%2.67%1.70%2.57%+139 bps
CRE / Total Capitaln/a166.50%153.74%150.76%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bogota Savings Bank

Teaneck, NJ · Cert 29941 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Bogota Financial MHC

SI · FDIC · 8 branches

Q2 2026

$871.8MAssets
$640.4MLoans
$577.8MDeposits
$132.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 30 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.29%

Rank 17 of 31

Net Interest Margin

1.90%

Rank 30 of 31

Efficiency Ratio

82.21%

Rank 14 of 31

Equity / Assets

15.20%

Rank 9 of 31

Non-interest income vs. expense

$1.6M$14.8MINCOMEEXPENSE
Unfavorable gap of $13.2M · efficiency ratio beats 58% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 82.21%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.29%-0.02%0.39%0.84%Beats 45%17 / 31
Return on Equity1.92%-0.19%2.57%5.72%Beats 42%18 / 31
Net Interest Margin1.90%2.51%3.30%3.85%Beats 3%30 / 31
Efficiency Ratio82.21%68.41%83.66%91.76%Beats 58%14 / 31
Asset Quality
Nonperforming Loans / Loans4.30%0.18%0.47%2.65%Beats 17%26 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio15.54%13.24%15.54%26.77%Beats 48%16 / 31
Total Risk-Based Capital Ratio15.54%14.07%16.32%26.77%Beats 45%17 / 31
Equity / Assets15.20%10.38%13.26%17.83%Beats 71%9 / 31
Liquidity & Funding
Loans / Deposits110.84%84.03%94.98%103.65%87th pctl4 / 31
Loans / Assets73.47%61.61%75.31%83.78%39th pctl19 / 31
Brokered Deposits / Depositsn/aNot reported for this institution