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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