# BOGOTA SAVINGS BANK
TEANECK, NJ · FDIC certificate 29941 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $871.8M | |
| Deposits | $577.8M | |
| Loans and leases | $640.4M | |
| Total equity | $132.5M | |
| Loans / deposits | 110.40% (p97 of band) | 82.04% |
| Liquid assets / assets | 19.54% (p30 of band) | |
| Uninsured deposits / deposits | 12.50% (p8 of band) | 25.97% |
| Brokered deposits | 11.00% | |
| Wholesale funding | 27.71% (p97 of band) | |
| FHLB advances / assets | 16.18% | |
| Tier 1 leverage | 15.54% (p92 of band) | 10.81% |
| Unrealized securities loss / equity | -2.01% (p79 of band) | -8.10% |
| AOCI / equity | 0.29% (p89 of band) | |
| ROA (annualized) | 0.29% (p7 of band) | 1.28% |
| Net interest margin | 2.02% (p1 of band) | 3.91% |
| Efficiency ratio | 81.99% (p90 of band) | |
| Noncurrent loans | 4.30% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 9.38% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 14.24% (p19 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -9.5% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2011-09 | 2 |  | loans exceed deposits |
| 2011-12 | 3 | loans exceed deposits |  |
| 2012-03 | 2 |  | loans exceed deposits |
| 2012-06 | 3 | loans exceed deposits |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 | capital falling | loans exceed deposits |
| 2013-03 | 3 | loans exceed deposits | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 | uninsured deposits leaving | capital falling |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | uninsured deposits leaving |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | NIM <2.5% |  |
| 2016-06 | 5 | capital falling |  |
| 2016-09 | 3 |  | reserve under noncurrent, capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | reserve under noncurrent |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | capital falling | loans exceed deposits |
| 2018-06 | 2 |  | reserve under noncurrent, capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | loans exceed deposits |  |
| 2019-03 | 4 | expense ratio p90 |  |
| 2019-06 | 3 |  | expense ratio p90 |
| 2019-09 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 3 |  | loans exceed deposits, deposits shrinking |
| 2020-03 | 5 | loans exceed deposits, losing money, expense ratio p90 | uninsured deposits leaving |
| 2020-06 | 5 |  |  |
| 2020-09 | 5 | capital falling | losing money |
| 2020-12 | 4 |  | capital falling |
| 2021-03 | 3 |  | expense ratio p90 |
| 2021-06 | 2 |  | loans exceed deposits |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 3 | reserve under noncurrent | capital falling |
| 2022-03 | 1 |  | NIM <2.5%, reserve under noncurrent |
| 2022-06 | 3 | loans exceed deposits, capital falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 5 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2023-06 | 6 | uninsured deposits leaving |  |
| 2023-09 | 7 | expense ratio p90 |  |
| 2023-12 | 8 | deposits shrinking |  |
| 2024-03 | 9 | capital falling, losing money | deposits shrinking |
| 2024-06 | 9 |  |  |
| 2024-09 | 10 | brokered >10% |  |
| 2024-12 | 8 |  | uninsured deposits leaving, expense ratio p90 |
| 2025-03 | 7 | deposits shrinking | capital falling, losing money |
| 2025-06 | 8 | expense ratio p90, assets shrinking | deposits shrinking |
| 2025-09 | 8 |  |  |
| 2025-12 | 6 |  | loans exceed deposits, noncurrent p90 |
| 2026-03 | 7 | loans exceed deposits, deposits shrinking | expense ratio p90 |
| 2026-06 | 9 | expense ratio p90, noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-02 [Bogota Savings Bank to merge with GSL Savings Bank - ROI-NJ](https://news.google.com/rss/articles/CBMimAFBVV95cUxPcTNqclpwOEFsWExhQV9LUDRRNTYyZFZBMzdRajg2aU1tZVhwN0Jic0t1cW51NUxRMWdQR2MyNkxLRDAyVGh1bXNHTjNBWHd6OFNXc0hjemk2YVhha0dGcjFOWmdTQ0dnQkxDYmNZakI3aDZKTmpJcWpwSmRaZ0l4aTk5Qzl3aHRjRzB5d0hfaXFRNkttSGlETQ?oc=5) · ROI-NJ
- 2026-06-02 [Bogota, GSL set merger to establish $1B bank - NJBIZ](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5wdEtrN2ZMM2JFbDZBY1BfcE8tRF9uVllodUtaZFBhajJMNE1xc1BOZTVaaVV1RFRuZGJtNk15cjg5MDFwdFpTblAxRkJ4cHZFMi1NTTRTUQ?oc=5) · NJBIZ
- 2026-06-01 [Bogota Savings Bank to Merge With GSL Savings Bank, Crossing $1 Billion in Assets - citybiz](https://news.google.com/rss/articles/CBMiugFBVV95cUxQT1lCNDFkbEF2M011aGxGdVFWdm5sWS15TDIyU0dOZl9HX21XbWs2aV84STNpb3QtbnFXRnhuY3ZOazBjTEtZSWNNM1hGU2t4S3cyTjYxN0ttakx1LWhVWmo0MzhzbFM5VTJtbHNBWlFYX185ZW5JamFmOUdTVnZNQXhva1N4d0d3YlZ3RGFSN3FPMG5BUmRlNE1XNUtEc2VPX2wxb25Ya29mLVVtNjFIbUhFT2Nrb0VDRmc?oc=5) · citybiz
- 2026-06-01 [Bogota Financial to acquire New Jersey-chartered GSL (BSBK:NASDAQ) - Seeking Alpha](https://news.google.com/rss/articles/CBMilAFBVV95cUxNOHJjbllWT1lLaWExZ2diYXNibVF3ZU5WVzJhcXR1Y0VBWHNISlNWSmdxRTRmSGs4Mnl2SWJGSDJXU2dpWUU0ZTRqSk5neGdPN2dKSnFuQklWT0FRZzMzbV8zSnM4dF9sOUE1ODZMN3NHa1JEWWtfOVBMYlFxc05zV1E3NDMwR0lUdlctUDFZczhqX1Vt?oc=5) · Seeking Alpha
- 2026-09-02 [Manhattanville vs Fairleigh Dickinson Knights | December 29, 2026 | NCAAB Matchup - theScore](https://news.google.com/rss/articles/CBMicEFVX3lxTE53VnZMellpaEdqX0NMRDZlNFEtazI0YWhCV0w1X193MGtUTFg5anhWTnNTNk11cEExWkF6R1ljeE0xSlZ4VDJWeG9DX1F0THlYYTd2dHlaR0M0cWtTZXV0eXV3VGhTVUNiaVNHQ0U3M3o?oc=5) · theScore
- 2026-02-09 [St. Mary tops Hackensack in Bergen Jamboree: Photos - Bergen Record](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOSWdRQWwzYk53UnU5c0tyTlRaQ2w2ZHlpSDYxQlVZU2ptVG1BbDU2cUNLNWhZUmxNRUVtSzF4a0ExdHJ0ekJGYXdOSk5nLXlHYlY0VGZZR0o4RG1rV3FNOWstRE84Tm9xT3ltNDNKRjFPYjJrRnRIV3BHdTdPSDA5VDNiT21qZWJ6elpOQVRTem02dnRqV3kxSVVubUhTd2dFNU5jWXdJc3JuVGl0UHVmZXpvUWUxcV90SHFPejJ3WUc5YVZOQVU1eXJkZTZscENMVkQtTjVHV2I4R24yVC1obS1ObkRlNlE?oc=5) · Bergen Record
- 2021-03-01 [Bogota Savings Bank Completes Acquisition of Gibraltar Bank - Business Wire](https://news.google.com/rss/articles/CBMitwFBVV95cUxNdVRMeEZBTU9vYnJuZmpkUFoxekZVX3JBX2F4aTc5N2tOU0E3elc3dkxBa3E2Ynd4YzYxMWRpdGg2aDVIOWRlYlRCb2hnRkpQLWY2RXZfZTRRLU8zY2dMalpNQmtabmpsRWpjak1PWEY5bTVHaXBocUdNVm5YWWl2YWVLMmpSbHBlTzhxLTBUeXRyeFBfamdtT1JJU24xbG80M2YxSWZrLV9tMjlVaUowRUl6LXplOEk?oc=5) · Business Wire
- 2026-02-09 [Unbeaten Tenafly beats Don Bosco in the Jamboree quarterfinals - Bergen Record](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQWWlidG5rT3FtalltRXF4eVNMOUVUYnM2ZEtzQmVkTWM2U1ZGWEx3b3JDb01oMXV3aWk0N3FXNWJOTmNyOU81X2xyWDExZldFT3laS3JMVUxwNUkyaVg4MTVzZzNGaXRJSWZiVTBvbjM1V1NNUEZuOGR3bWRTb1ptYjQ5Y0J3LUVoa01kdmk2TUFETFpfM3cweG85LTJ1MGJpMXRYVnpvVUdkQmlmMHZ0clo1NXVQdC1tS3RROV9nQ1VDV2lfeUtKRlZHV2pHbzM4MmhkX094UlN4YW90dlloVG90S0I3ck96c3BN?oc=5) · Bergen Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29941 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "29941", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide