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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Bogota Savings Bank

Teaneck, New Jersey · $872M in assets · beside the 11 other New Jersey banks between $300M and $1B

The filing

110.8%
Loans / deposits
11th of 12
4.30%
NPA / loans
11th of 12
-8.0%
Loans, year over year
11th of 12, largest first

Bogota Savings Bank is the fourth largest of the 12 New Jersey banks nearest its size between $300M and $1B, with $872M in assets at 30 June 2026. Loans are 110.8% of deposits, 11th of 12 against a median of 87.5%, and equity is 15.2% of assets, 4th of 12. Loans grew -8.0% in the year, 11th of 12, and deposits fell 9.5%; the cohort's median loan growth is +1.5%.

Noncurrent loans are 4.30% of the book, 11th of 12 against a median of 0.23%; 0.16% is 30 to 89 days past due, and the allowance covers them 0.1 times. Commercial real estate is 27.7% of loans, 4th of 12 against a median of 35.8%, and 132% of capital, below the 300% screen, with construction at 14% against the 100% screen.

Return on assets is 0.30%, 9th of 12 against a median of 0.60%, on an efficiency ratio of 82.2%, 9th of 12. Five years ago it was 1.16%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 87.5% CF Cenlar FSB 45.7% NN Newfield National Bank 59.1% CS Century Savings Bank 68.8% FH First Hope Bank A National Bank Association 75.5% HS Haddon Savings Bank 75.9% CS Crest Savings Bank 87.5% HB Hana Bank USA National Association 87.5% HS Haven Savings Bank 90.8% NM New Millennium Bank 102.8% FB Freedom Bank 103.6% BS Bogota Savings Bank 110.8% CB Crown Bank 122.4%
Loans, year over yearNJ banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.5% HS Haddon Savings Bank +11.2% HB Hana Bank USA National Association +9.6% FB Freedom Bank +8.2% FH First Hope Bank A National Bank Association +6.0% CS Century Savings Bank +4.1% NN Newfield National Bank +2.5% CB Crown Bank +0.5% CS Crest Savings Bank -1.3% NM New Millennium Bank -5.2% HS Haven Savings Bank -6.0% BS Bogota Savings Bank -8.0% CF Cenlar FSB -12.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, Bogota Savings Bank among them; owner-occupied excluded; bold marks a screen met
Bogota Savings BankRankCohort median
Total CRE against capital, the 300% screen132%3rd of 12171%
Construction against capital, the 100% screen14%5th of 1222%
Construction and land development, share of loans2.9%6th of 123.7%
Non-owner-occupied nonfarm nonresidential, share of loans14.6%4th of 1222.6%
Total CRE, the guidance definition, share of loans27.7%4th of 1235.8%
CRE growth over 36 months, the third prong-5.4%1st of 11+23.4%
Commercial real estate against capital, the 300% screenNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 171% CF Cenlar FSB 0% CS Century Savings Bank 131% BS Bogota Savings Bank 132% HB Hana Bank USA National Association 145% CS Crest Savings Bank 149% NM New Millennium Bank 168% NN Newfield National Bank 174% HS Haddon Savings Bank 192% CB Crown Bank 197% FH First Hope Bank A National Bank Association 229% HS Haven Savings Bank 398% FB Freedom Bank 575%
CRE growth over 36 months, the guidance's third prongNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +23.4% BS Bogota Savings Bank -5.4% HS Haven Savings Bank -2.7% CS Crest Savings Bank +3.1% CB Crown Bank +14.7% FH First Hope Bank A National Bank Association +20.1% NN Newfield National Bank +23.4% CS Century Savings Bank +27.8% NM New Millennium Bank +38.6% FB Freedom Bank +39.8% HB Hana Bank USA National Association +127.9% HS Haddon Savings Bank +258.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Haven Savings Bank$987M-0.4%116.0%0.40%0.04%0.8%90.8%8.8%
New Millennium Bank$899M1.3%49.5%0.58%-0.06%1.4%102.8%14.6%
Newfield National Bank$889M0.7%73.5%0.02%0.00%1.3%59.1%7.7%
Bogota Savings Bank$872M0.3%82.2%4.30%0.00%0.4%110.8%15.2%
Freedom Bank$838M0.9%63.1%0.28%0.00%0.6%103.6%9.9%
Hana Bank USA National Association$835M2.8%55.5%0.00%-0.04%0.8%87.5%26.9%
Cenlar FSB$782M-1.3%104.2%0.21%0.00%0.0%45.7%17.8%
First Hope Bank A National Bank Association$657M0.8%78.3%0.00%0.02%1.3%75.5%9.4%
Century Savings Bank$635M0.5%53.3%0.00%-0.01%1.5%68.8%10.1%
Crown Bank$614M2.3%44.9%5.77%0.00%0.9%122.4%26.7%
Crest Savings Bank$594M0.4%81.0%0.01%0.00%0.7%87.5%8.6%
Haddon Savings Bank$421M-0.1%106.8%0.24%-0.02%0.5%75.9%5.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bogota Savings BankCohort median
20212026Change20212026Change
Loans$587M$640M+9%$410M$489M+19%
Deposits$594M$578M-3%$517M$582M+12%
NPA / loans0.12%4.30%+4.18 pts0.34%0.23%-0.11 pts
Efficiency54.8%82.2%+27.4 pts75.8%75.9%+0.1 pts
ROA1.16%0.30%-0.87 pts0.55%0.60%+0.05 pts

This read was prepared for Bogota Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bogota Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $300M to $1B
Institution www.bogotasavingsbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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