Welcome to our dedicated page for Bogota Finl SEC filings (Ticker: BSBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Bogota Financial Corp. (NASDAQ: BSBK) SEC filings page provides access to the company’s official regulatory documents as filed with the U.S. Securities and Exchange Commission. Bogota Financial Corp., a Maryland corporation and the mid-tier holding company for Bogota Savings Bank, reports its financial and operational results through periodic and current reports, including Form 8-K filings that attach earnings press releases as exhibits.
In these filings, the company discloses information on net income or loss, net interest income, deposit composition and cost, loan portfolio performance, securities balances and Federal Home Loan Bank advances. Management also describes strategic actions such as balance sheet restructuring, sale-leaseback transactions involving branch offices, the sale and reinvestment of securities, and the use of cash flow and fair value hedges to manage interest rate risk.
Form 8-K current reports highlighted here include items on results of operations and financial condition and other events, such as regulatory approval of stock repurchase programs. These documents specify the scope of each repurchase authorization and reference related press releases. Investors can use this information to understand the company’s capital management approach and how repurchases affect the number of shares outstanding.
On this page, AI-powered tools summarize key points from lengthy filings, helping users identify important changes in earnings, funding costs, credit quality, hedging activity and capital actions without reading every line. Real-time updates from the SEC’s EDGAR system ensure that new Bogota Financial Corp. filings, including earnings-related 8-Ks and other required reports, are available promptly, while AI-generated highlights point to sections that may matter most to investors monitoring this savings institution.
Bogota Financial Corp., holding company for Bogota Savings Bank, operates a community banking franchise centered in northern New Jersey. The bank focuses on one- to four-family residential mortgages, which were $443.9 million or 68.3% of its $650.2 million loan portfolio at December 31, 2025.
Commercial and multi-family real estate loans totaled $180.9 million, supported by conservative loan-to-value limits and debt service coverage requirements. At year-end 2025, consolidated assets were $904.9 million, deposits $652.4 million and equity $140.9 million, with a leverage capital ratio of 15.80%, indicating a strong capital position.
Credit quality metrics show non-accrual loans of $13.3 million, or 2.04% of total loans, and an allowance for credit losses of $2.53 million, equal to 0.39% of total loans. Brokered deposits were $109.7 million, or 16.8% of total deposits. The company operates seven branches and a loan production office across several New Jersey counties.
Bogota Financial Corp. reported a clear turnaround for 2025, moving to full‑year net income of $2.1 million, or $0.17 per share, from a net loss of $2.2 million, or $(0.17) per share, in 2024. For the fourth quarter of 2025, net income was $680,000 versus a net loss of $930,000 a year earlier.
The improvement was driven mainly by stronger core banking performance. Net interest income for 2025 rose 46.6% to $15.5 million, as the net interest margin expanded to 1.80% from 1.16% and the interest rate spread widened to 1.29%. Lower funding costs on deposits and reduced Federal Home Loan Bank borrowings contributed meaningfully.
The balance sheet intentionally shrank, with total assets down to $904.9 million and net loans down 9.0%, while deposits increased modestly to $652.4 million and borrowings fell 45.8%. Asset quality remained manageable, with non‑performing assets at 1.44% of total assets and no net charge‑offs, though delinquent loans increased. Capital strengthened as stockholders’ equity rose to $140.9 million, helped by earnings and a smaller securities valuation loss, even after repurchasing 123,603 shares.
Bogota Financial Corp. director reported buying 2,200 shares of common stock at $8.21 per share on December 12, 2025. After this purchase, the director directly owns 184,695 shares, which include restricted stock that vests at 20% per year starting September 2, 2022. The director also holds stock options to purchase 32,235 shares at an exercise price of $10.45 per share, vesting 20% per year from September 2, 2022, and expiring on September 2, 2031.
Bogota Financial Corp. (BSBK) reported a return to profitability in Q3 2025. Net income was $454,625 versus a loss of $366,960 a year ago, driven by higher net interest income of $3,894,039 and a $50,000 recovery in credit losses. Earnings per share were $0.04 basic and diluted.
Total assets were $925.8 million at September 30, 2025, down from $971.5 million at year-end as loans declined to $669.2 million while securities available for sale rose to $160.7 million. Deposits edged up to $646.8 million. Long-term FHLB advances fell to $84.4 million, and stockholders’ equity increased to $140.7 million as accumulated other comprehensive loss improved. Noninterest expense rose modestly to $3.74 million, while noninterest income was $321,338.
For the nine months, net income was $1,409,967 compared with a loss of $1,240,419 in the prior-year period. Shares outstanding were 12,997,424 as of September 30, 2025.
Bogota Financial Corp. (BSBK) furnished an 8-K announcing financial results for the three and nine months ended September 30, 2025. The company issued a press release on November 3, 2025, and attached it as Exhibit 99.1. The Item 2.02 information is furnished and not deemed filed under Section 18 of the Exchange Act, nor incorporated by reference under the Securities Act.
Bogota Financial Corp. (BSBK) Form 3 reports that Peter T. Donnelly is a director of the issuer and filed an initial statement covering an event dated 03/26/2025. The filing discloses 0 shares of Common Stock beneficially owned (directly). The form was signed on behalf of the reporting person by Scott Brown pursuant to a power of attorney, dated 09/23/2025.
Bogota Financial Corp. returned to profitability for the six months ended June 30, 2025, reporting $955,342 versus a loss of $873,459 a year earlier. Net interest income improved to $7.29 million for the six-month period and net interest margin widened to 1.70%, driven by higher yields on securities and loan portfolios. Total assets declined to $921.8 million, reflecting a $31.9 million reduction in cash used to repay borrowings and an $18.5 million decrease in net loans. Deposits fell to $628.2 million. Delinquent loans increased to $20.4 million and nonperforming loans totaled $13.9 million, including a $10.9 million construction loan (99% complete) under foreclosure. The allowance for credit losses remained 0.37% of total loans.
Bogota Financial Corp. announced that regulators approved a stock repurchase program authorizing the company to buy up to 237,590 shares of its common stock, representing approximately 5% of outstanding common stock (excluding shares held by Bogota Financial, MHC). This marks the company's sixth repurchase program and may be executed through open-market purchases, private transactions or under a Rule 10b5-1 trading plan.
The filing incorporates a press release as an exhibit for additional detail. The repurchase authority provides the company flexibility to return capital to shareholders and could reduce share count if executed, but the filing does not specify timing, funding source or limits on daily/periodic purchases.