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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