Bogota Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 5.09 percentage points in Q2 2026, from 105.75% to 110.84%. It was the largest change from Q1 2026 among the key lines here. Among 49 New Jersey banks, Bogota Savings Bank sits 3rd from the top on loan-to-deposit ratio, 110.84% as of Q2 2026. Bogota Savings Bank reported 110.84% on loan-to-deposit ratio for Q2 2026, 30.00 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $640.4M |
| Net loans and leases | $637.9M |
| Loans held for sale | $0 |
| Loans to total assets | 73.47% |
| Loan-to-deposit ratio | 110.84% |
| Net loans to equity capital | 4.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.28% |
| Multifamily (5+ residential) | 10.23% |
| Commercial and industrial | 0.39% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.00% |
| Construction concentration (Tier 1 capital + allowance) | 13.81% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.71% |
| Interest income on loans | $7.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $713.3M | $657.3M | 13.97% | 0.80% | 0.00% |
| Q4 2023 | $717.6M | $636.0M | 13.92% | 0.93% | 0.00% |
| Q1 2024 | $712.0M | $676.6M | 14.93% | 0.88% | 0.01% |
| Q2 2024 | $710.8M | $659.7M | 15.64% | 1.42% | 0.01% |
| Q3 2024 | $712.1M | $639.6M | 15.90% | 1.44% | 0.01% |
| Q4 2024 | $714.8M | $652.2M | 16.57% | 0.86% | 0.01% |
| Q1 2025 | $704.6M | $642.5M | 17.91% | 0.72% | 0.01% |
| Q2 2025 | $696.2M | $638.2M | 18.05% | 0.62% | 0.01% |
| Q3 2025 | $672.2M | $654.1M | 18.32% | 0.55% | 0.01% |
| Q4 2025 | $650.6M | $658.8M | 18.80% | 0.49% | 0.02% |
| Q1 2026 | $642.3M | $607.3M | 18.34% | 0.44% | 0.02% |
| Q2 2026 | $640.4M | $577.8M | 18.28% | 0.39% | 0.02% |
Bogota Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bogota Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bogota Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29941) · FFIEC NIC profile (RSSD 927479)