TellerScore

Bogota Savings Bank is a si headquartered in Teaneck, New Jersey, in business for about 133 years. At the end of Q2 2026 it reported $871.8M in total assets and $577.8M in deposits, with 9 offices.

Bogota Savings Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 48th. Capital cushion contributes the most (100/100, 15.54%); loan quality contributes the least (0/100, 4.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.54%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.30%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 110.4% · 12.5% uninsured
Problem-loan coverage59/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 20.37%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (57 → 50), mostly because the loan quality component weakened by 34 points.

TellerScore
435261Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202452
Q4 202443
Q1 202556
Q2 202557
Q3 202548
Q4 202559
Q1 202661
Q2 202650
Tier 1 leverage ratio
5.00%10.27%15.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.22%
Q3 202413.19%
Q4 202413.08%
Q1 202513.55%
Q2 202514.09%
Q3 202514.12%
Q4 202514.35%
Q1 202615.10%
Q2 202615.54%
Noncurrent loans
1.79%3.04%4.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.79%
Q3 20241.89%
Q4 20242.72%
Q1 20251.92%
Q2 20251.99%
Q3 20253.04%
Q4 20252.01%
Q1 20262.04%
Q2 20264.30%
Return on assets
-0.26%0.02%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.22%
Q3 2024-0.20%
Q4 2024-0.26%
Q1 20250.28%
Q2 20250.17%
Q3 20250.17%
Q4 20250.19%
Q1 20260.29%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$871.8M15.54%4.30%0.29%110.4%
Q1 202661$875.2M15.10%2.04%0.29%105.3%
Q4 202559$902.5M14.35%2.01%0.19%98.4%
Q3 202548$923.7M14.12%3.04%0.17%102.4%
Q2 202557$922.2M14.09%1.99%0.17%108.7%
Q1 202556$930.7M13.55%1.92%0.28%109.3%
Q4 202443$972.1M13.08%2.72%-0.26%109.2%
Q3 202452$979.3M13.19%1.89%-0.20%110.9%
Q2 202453$975.1M13.22%1.79%-0.22%107.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.54%
89th
Total risk-based capital0.00%
24th
Problem loans4.30%
3rd
Net charge-offs0.00%
68th
Return on assets0.29%
7th
Net interest margin2.02%
1st
Efficiency ratio82.0%
12th
Loans to deposits110.4%
3rd
Uninsured deposits12.5%
89th
Loan-loss reserves0.40%
2nd
Texas ratio20.4%
6th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Newfield National BankBank Newfield, NJ72 out of 100, Strong$889.1M10.1%0.02%vs
New Millennium BankBank Fort Lee, NJ79 out of 100, Strong$899.1M14.6%0.58%vs
Freedom BankBank Maywood, NJ63 out of 100, Moderate$838.3M9.8%0.28%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs
Cenlar FSBBank Ewing, NJ71 out of 100, Strong$782.0M16.6%0.21%vs
Haven Savings BankBank Hoboken, NJ53 out of 100, Below average$986.9M8.7%0.40%vs

Deposit insurance

Is my money safe at Bogota Savings Bank?

Yes. Bogota Savings Bank is an FDIC-insured institution (FDIC certificate #29941). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.5% of deposits ($72.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Bogota Savings Bank lists 8 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bogota Savings Bank reported 85 home-loan applications under HMDA (LEI 5493008RQ8SRLTLRWX62): 54 originated ($16,960,000 total), 15 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bogota Savings Bank
Former names
Bogota Savings and Loan Association
Type
SI
FDIC certificate #
29941
RSSD ID
927479
Primary regulator
FDIC
Holding company
Bogota Financial Mhc
Established
January 1, 1893
Headquarters
819 Teaneck Rd, Teaneck, NJ 07666
Employees
59

Quick answers

Bogota Savings Bank: common questions

Is Bogota Savings Bank FDIC insured?

Yes. Bogota Savings Bank is an FDIC-insured institution (FDIC certificate #29941). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bogota Savings Bank's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bogota Savings Bank ever failed?

There is no failure record for FDIC certificate #29941 in the FDIC failed bank list.

How many branches does Bogota Savings Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Teaneck

InstitutionScoreAssetsCapitalProblem loansCompare
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