Bank Comparison
Bogota Savings Bank vs 1st Colonial Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bogota Savings Bank | 1st Colonial Community Bank |
|---|---|---|
| CET1 Ratio | — | 15.82% |
| Tier 1 Capital Ratio | — | 15.82% |
| Total Capital Ratio | — | 17.08% |
| Tier 1 Leverage Ratio | 15.10% | 9.82% |
| Equity / Assets | 15.03% | 9.61% |
Profitability
| Metric | Bogota Savings Bank | 1st Colonial Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.29% | 1.34% |
| Return on Equity (ROE) | 1.96% | 14.04% |
| Net Interest Margin (NIM) | 2.14% | 3.43% |
| Yield on Earning Assets | 5.12% | 5.35% |
| Cost of Funds | 3.30% | 2.12% |
Asset quality
| Metric | Bogota Savings Bank | 1st Colonial Community Bank |
|---|---|---|
| Texas Ratio | 9.78% | 8.30% |
| Non-Performing Loan Ratio | 2.04% | 1.25% |
| Non-Performing Asset Ratio | 1.50% | 0.88% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 0.40% | 1.39% |
Balance sheet
| Metric | Bogota Savings Bank | 1st Colonial Community Bank |
|---|---|---|
| Total Assets | $875,154K | $881,807K |
| Total Deposits | $607,336K | $792,085K |
| Total Loans | $642,257K | $621,620K |
| Total Equity | $131,502K | $84,781K |
| Net Income (quarter) | $641 | $2,958K |
Liquidity & funding
| Metric | Bogota Savings Bank | 1st Colonial Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 105.75% | 78.48% |
| Core Deposit Ratio | 84.45% | 96.08% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bogota Savings Bank | 1st Colonial Community Bank |
|---|---|---|
| Headquarters City | TEANECK | Collingswood |
| Headquarters State | NJ | NJ |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 53 | 92 |
| Established | Jan. 1, 1893, midnight | June 29, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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