Bogota Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which fell 0.55 percentage points to 5.19%. Bogota Savings Bank has the 5th lowest net interest margin of the 49 banks headquartered in New Jersey, at 1.89% as of Q2 2026. Bogota Savings Bank's net interest margin of 1.89% is well below the 3.95% median for banks in the $100M-1B asset tier, a gap of 2.06 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.80% |
| Yield on loans | 4.71% |
| Yield on securities | 5.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.26% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.37% |
| Cost of borrowings | 4.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.89% |
| Yield to cost spread | 1.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.5M |
| Total interest expense | $5.8M |
| Interest expense on deposits | $4.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.24% | 3.07% | 1.44% | 4.51% | 2.72% |
| Q4 2023 | 4.37% | 3.39% | 1.31% | 4.61% | 2.88% |
| Q1 2024 | 4.46% | 3.57% | 1.14% | 4.62% | 3.47% |
| Q2 2024 | 4.55% | 3.72% | 1.16% | 4.69% | 3.80% |
| Q3 2024 | 4.59% | 3.77% | 1.12% | 4.73% | 3.87% |
| Q4 2024 | 4.60% | 3.88% | 1.06% | 4.77% | 3.61% |
| Q1 2025 | 4.93% | 3.63% | 1.59% | 4.90% | 4.86% |
| Q2 2025 | 4.86% | 3.55% | 1.68% | 4.77% | 5.32% |
| Q3 2025 | 4.93% | 3.52% | 1.78% | 4.83% | 5.30% |
| Q4 2025 | 5.14% | 3.49% | 1.98% | 5.10% | 5.15% |
| Q1 2026 | 5.12% | 3.30% | 2.14% | 4.96% | 5.74% |
| Q2 2026 | 4.80% | 3.26% | 1.89% | 4.71% | 5.19% |
Bogota Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bogota Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)