Bogota Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Bogota Savings Bank is an FDIC-insured savings bank headquartered in Teaneck, NJ, established in 1893 (FDIC certificate 29941), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $871.8M, down 5.5% from Q2 2025, the 27th largest of 49 banks headquartered in New Jersey. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29941
- Headquarters
- Teaneck, NJ
- Established
- 1893
- Total assets, Q2 2026
- $871.8M
- Assets vs Q2 2025
- -5.5%
- Tier 1 leverage ratio, Q2 2026
- 15.54%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 221270198
- Latest call report
- Q2 2026, FFIEC 051 · Bogota Savings Bank call report
- Holding company
- BOGOTA FINANCIAL CORP.
- Asset rank in state
- 27th of 49 in New Jersey
Problem loans are rising at Bogota Savings Bank. Its balance sheet stood at $872 million at June 30, 2026, down 5.5% from a year earlier; it is based in Teaneck, New Jersey. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.30% of loans from 1.99% a year earlier. It earns about $0.29 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The non-owner-occupied commercial real estate book ($93 million) is worsening: 15.76% of it is past due or on nonaccrual, up from 7.35% a year earlier. Its margin is thin by comparison: it keeps 1.89 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
As of June 30, 2026, Bogota Savings Bank reported a return on assets of 0.29%, a nonperforming-loan ratio of 4.30% and a Texas ratio of 20.38%. The figures come from its call report filed with the FFIEC.
Of the 49 banks headquartered in New Jersey, Bogota Savings Bank is the 27th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $871.8M, loans fell 0.3% and deposits fell 4.9%. 1-4 family residential loans made up 68.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 14.6%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in NJ; its Teaneck 2 offices book 47% of its branch deposits. Judged on its Q2 2026 call report, Bogota Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 819 Teaneck Rd, Teaneck, NJ 07666
- County
- Bergen
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1893
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $577.8M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $863.1M
- Average total loans
- $640.4M
- Average interest-bearing deposits
- $563.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29941
- Fed RSSD
- 927479
- SEC CIK
- 1787414 → filed by BOGOTA FINANCIAL CORP.
- Parent Holding Company
- BOGOTA FINANCIAL CORP. (RSSD 5423510) · BSBK
- Ultimate Parent
- BOGOTA FINANCIAL, MHC (RSSD 5423547)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kevin Pace | CEO | President and CEO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bogota Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bogota Savings Bank's total assets ranged from $871.8M (Q2 2026) to $979.3M (Q3 2024), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$871.8M total assets against $922.2M; $739.2M total liabilities against $795.0M.
$637.9M net loans and leases against $693.6M; $577.8M total deposits against $638.2M.
$140.4M securities against $144.6M; $29.9M cash and balances due against $20.3M.
$9.6M total interest income against $10.5M; $5.8M total interest expense against $6.9M.
$3.8M net interest income against $3.6M.
$568K total noninterest income against $275K; $3.6M total noninterest expense against $3.8M.
$0 provision for credit losses against $0.
$633K net income against $157K.
0.29% return on assets against 0.07%; 1.89% net interest margin against 1.68%.
15.54% tier 1 leverage ratio against 14.09%.
Inside the full Bogota Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bogota Savings Bank rankings
Its closest position to the top of a national ranking is 162 of 3,640, for Texas Ratio; its furthest is 3,402 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.41% (Q4 2024) to 0.29% (Q2 2026) and its net interest margin ran from 1.06% (Q4 2024) to 2.14% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.54% | 0.29% | 4.30% | 20.38% | 1.89% |
| Q1 2026 | 15.10% | 0.29% | 2.04% | 9.78% | 2.14% |
| Q4 2025 | 14.35% | 0.25% | 2.01% | 9.84% | 1.98% |
| Q3 2025 | 14.12% | 0.17% | 3.04% | 15.50% | 1.78% |
| Q2 2025 | 14.09% | 0.07% | 1.99% | 10.69% | 1.68% |
| Q1 2025 | 13.55% | 0.28% | 1.92% | 10.42% | 1.59% |
| Q4 2024 | 13.08% | -0.41% | 2.72% | 15.15% | 1.06% |
| Q3 2024 | 13.19% | -0.18% | 1.89% | 10.51% | 1.12% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bogota Savings Bank (main office) | Teaneck , NJ | 07666 | $262.7M |
| Bogota Branch | Bogota , NJ | 07603 | $126.2M |
| Hasbrouck Heights Branch | Hasbrouck Heights , NJ | 07604 | $91.8M |
| Gibraltar Parsippany Branch | Parsippany , NJ | 07054 | $31.2M |
| 5527 Berkshire Valley Road Branch | Oak Ridge , NJ | 07438 | $28.6M |
| 1039 So Orange Ave Branch | Newark , NJ | 07106 | $15.6M |
| Usr Branch | Upper Saddle River , NJ | 07458 | $15.2M |
| Www.Bogotasavingsbank.Com Branch | Teaneck , NJ | 07666 | $6.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2021 | Structure Change | Acquired Gibraltar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NJ, rank 49 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 54 loans originated, $17.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bogota Savings Bank
What are Bogota Savings Bank's total assets?
As of the Q2 2026 filing, Bogota Savings Bank reported total assets of $871.8 million in its FFIEC call report.
Where is Bogota Savings Bank headquartered?
It is headquartered in Teaneck, NJ, United States.
When was Bogota Savings Bank founded?
It was established in 1893, per the FDIC institution directory.
Is Bogota Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29941). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bogota Savings Bank?
Bogota Savings Bank's primary federal regulator is the FDIC.
How many branches does Bogota Savings Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bogota Savings Bank's Texas Ratio?
Its Texas Ratio is 20.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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