| Metric | Bogota Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +4.9% | -10.4 pts |
| Deposit growth (YoY) | -9.5% | +4.3% | -13.8 pts |
| Loan growth (YoY) | -8.0% | +5.3% | -13.4 pts |
| ROA | 0.29% | 1.28% | -1.0 pts |
| ROE | 1.9% | 12.4% | -10.5 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $871.8M | $577.8M | $637.9M | $132.5M | $1.3M | 0.29% | 2.02% | 3.16% |
| Q1 2026 | $875.2M | $607.3M | $639.7M | $131.5M | $641K | 0.29% | 2.16% | 1.50% |
| Q4 2025 | $902.5M | $658.8M | $648.1M | $130.3M | $1.8M | 0.19% | 1.78% | 1.45% |
| Q3 2025 | $923.7M | $654.1M | $669.7M | $129.6M | $1.2M | 0.17% | 1.71% | 2.21% |
| Q2 2025 | $922.2M | $638.2M | $693.6M | $127.3M | $821K | 0.17% | 1.66% | 1.50% |
| Q1 2025 | $930.7M | $642.5M | $702.0M | $127.2M | $664K | 0.28% | 1.62% | 1.45% |
| Q4 2024 | $972.1M | $652.2M | $712.2M | $125.9M | $-2.5M | -0.26% | 1.15% | 2.00% |
| Q3 2024 | $979.3M | $639.6M | $709.3M | $125.3M | $-1.5M | -0.20% | 1.17% | 1.37% |
Loan mix (Q2 2026): real estate $637.8M · commercial $2.5M · consumer $115K · securities $140.4M
| Ratio | Bogota Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 1.28% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 12.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 61.2% | 91st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bogota Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bogota Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bogota Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bogota Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bogota Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
8 branches in 4 counties across 1 state (-2 vs 2024) · $638.2M branch deposits. Biggest market: Bergen, NJ, ranked 20th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bergen, NJ | 5 | $560.0M | 0.82% | 20th |
| Morris, NJ | 1 | $32.9M | 0.11% | 31st |
| Passaic, NJ | 1 | $29.6M | 0.11% | 24th |
| 1 more county with Pro → | ||||
New Jersey: 51st with 0.14% · New York-Newark-Jersey City metro: 102nd, 0.02% ·
Branch count: 2022 8 · 2023 8 · 2024 10 · 2025 8