Every 10-Q that Bogota Financial Corp. (BSBK) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow BSBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full BSBK filings page.
Bogota Financial Corp. reported stronger profitability while facing funding and credit pressures for the quarter ended June 30, 2026. Quarterly net income rose to $747,522 from $224,395 a year earlier, and six‑month net income increased to $1.45 million from $955,342. Net interest income improved modestly and the net interest margin expanded to 1.94% for the quarter and 2.06% year‑to‑date, helped by lower deposit and borrowing costs. Non‑interest income nearly doubled, largely due to a $300,000 insurance recovery on a prior fraud loss.
The balance sheet contracted, with total assets down 3.3% to $875.0 million. Loans fell 1.6% to $637.3 million and securities declined 11.2%, while deposits dropped 12.0% to $574.2 million, led by runoff in certificates of deposit. The company replaced a portion of these outflows with 51.1% higher FHLB borrowings, lifting advances to $141.0 million. Asset quality weakened: non‑performing loans more than doubled to $27.8 million, or 3.2% of total assets, mainly from one large construction credit and two commercial real estate loans, all described as well‑secured and without specific reserves. The allowance for credit losses stood at 0.40% of loans and covered 9.29% of non‑performing loans.
Stockholders’ equity increased to $142.0 million, supported by earnings and positive other comprehensive income, with an average equity‑to‑assets ratio of 16.20%. The company also highlighted a pending acquisition of GSL Savings Bank, which had $151.2 million of assets, $119.7 million of loans and $120.4 million of deposits as of June 30, 2026; the merger is expected to close in the second half of 2026, subject to regulatory and member approvals.
Bogota Financial Corp. reported essentially flat profitability for the three months ended March 31, 2026, with net income of $705,946 and basic and diluted EPS of $0.06, compared to $730,947 and $0.06 a year earlier. Net interest income rose to $4.4 million, and the net interest margin improved to 2.20% from 1.66%, as funding costs declined and securities yields increased.
Total assets fell 3.1% to $877.2 million, driven by lower cash and cash equivalents, loans and securities. Deposits declined 7.9% to $600.9 million, mainly from certificates of deposit, while savings, money market, NOW and noninterest-bearing accounts increased. Federal Home Loan Bank borrowings rose 24.2% to $115.9 million to help offset deposit outflows.
Asset quality metrics were stable: non-performing assets were $13.4 million, or 1.5% of total assets, and the allowance for credit losses was 0.40% of total loans and 19.69% of non-performing loans. Capital remained strong, with stockholders’ equity at $142.1 million and a Community Bank Leverage Ratio of 16.39%.
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. 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.