BlastPoint's Banking Scorecard
Bogota Savings Bank
Community
Specialty: Mortgage
NJ
FDIC cert 29941
Teaneck, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Bogota Savings Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1% in Community
- - Liquidity Strain: Bottom 4% in Community
- - Return on Assets 0.97% below tier
- - Net Interest Margin 1.88% below tier
- - Efficiency Ratio 27.30% above tier
- - Delinquency Rate 1.39% above tier
- - Non-Interest-Bearing Deposit Share 15.80% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$902.5M
-7.2% YoY
-2.3% QoQ
|
-$488.9M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$648.1M
-9.0% YoY
-3.2% QoQ
|
-$327.4M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$658.8M
+1.0% YoY
+0.7% QoQ
|
-$505.8M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.19%
+174.3% YoY
+11.2% QoQ
|
-0.97% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
1.78%
+54.9% YoY
+4.5% QoQ
|
-1.88% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
89.94%
+26.3% YoY
-1.9% QoQ
|
+27.30% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
2.01%
-26.2% YoY
-34.1% QoQ
|
+1.39% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
98.37%
-9.9% YoY
-3.9% QoQ
|
+15.31% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
5.24%
-19.8% YoY
-6.3% QoQ
|
-15.80% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
1.45%
-27.7% YoY
-34.7% QoQ
|
+0.95% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.18%
-82.5% YoY
+21.8% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (8)
Capital Thin
risk
#3 of 432 · Bottom 1% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#21 of 513 · Bottom 4% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.37%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.19%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.78%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
89.94%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 10%
in Community
Why this stands out
Current:
2.01%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.24%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
45
45th pctile
Total Loans
Current: $648.1M · Tier avg: $975.5M
43
43th pctile
Total Assets
Current: $902.5M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $658.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.37% · Tier avg: 83.06%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.50%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
10
10th pctile
Delinquency Rate
Current: 2.01% · Tier avg: 0.63%
5
5th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.24% · Tier avg: 21.05%
3
3th pctile
Efficiency Ratio
Current: 89.94% · Tier avg: 62.63%
1
1th pctile
Net Interest Margin
Current: 1.78% · Tier avg: 3.66%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.78% · Tier avg: 3.66%
3
3th pctile
Efficiency Ratio
Current: 89.94% · Tier avg: 62.63%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.24% · Tier avg: 21.05%
5
5th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
10
10th pctile
Delinquency Rate
Current: 2.01% · Tier avg: 0.63%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.50%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.37% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Deposits
Current: $658.8M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $902.5M · Tier avg: $1.4B
45
45th pctile
Total Loans
Current: $648.1M · Tier avg: $975.5M