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Bogota Financial Corp.
BSBKCIK 0001787414NasdaqNon-AcceleratedSmaller ReportingSavings Institutions, Not Federally CharteredFY ends Dec 31
Period
FY 2025
Revenue
—
Net Income
$2.09M
Total Assets
$904.95M
Equity
$140.91M
Shares Out
12.85M
Op. Cash Flow
$3.20M
Business
Bogota Financial Corp. is a Maryland-chartered bank holding company that owns Bogota Savings Bank, a New Jersey-chartered savings bank. The bank attracts deposits and originates one- to four-family residential real estate loans, commercial real estate and multi-family loans, and consumer loans, and invests in securities. The bank operates retail branches in Bergen, Essex, and Morris Counties, New Jersey, plus a loan production office.
Summary from 10-K filed 2026-03-27
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loans | 34 | 33 | 32 | 26 | 23 | |
| Taxable | 8 | 7 | 4 | 4 | 2 | |
| Tax-exempt | 11,571 | 50,892 | 91,428 | 161,187 | 58,888 | |
| Other interest-earning assets | 2 | 1 | 1 | 403,969 | 424,539 | |
| Total interest income | 43 | 42 | 37 | 30 | 25 | |
| Deposits | 22 | 25 | 18 | 5 | 4 | |
| FHLB of New York advances | 5 | 7 | 4 | 2 | 2 | |
| Total interest expense | 28 | 31 | 22 | — | — | |
| Net interest income | 15 | 11 | 15 | 23 | 19 | |
| Recovery of provision for credit losses | −130,000 | −148,000 | −125,000 | 425,000 | — | |
| Net interest income after recovery of provision for credit losses | 16 | 11 | 15 | 23 | 19 | |
| Fees and service charges | 230,945 | 228,685 | 206,763 | 179,734 | 136,211 | |
| Gain on sale of loans | 37,830 | 31,942 | 29,375 | 86,913 | 786,424 | |
| Gain on sale of properties | 5,973 | 9 | 0 | — | — | |
| Loss on sale of securities | 0 | −9 | 0 | — | — | |
| Bank owned life insurance | 1 | 871,753 | 781,526 | 694,900 | 1 | |
| Other | 57,330 | 141,622 | 121,371 | 162,126 | 183,454 | |
| Total non-interest income | 2 | 1 | 1 | 1 | 4 | |
| Labor and Related Expense | 8 | 9 | 10 | 9 | 8 | |
| Occupancy and equipment | 3 | 1 | 1 | 1 | 1 | |
| Federal Deposit Insurance Corporation (FDIC) insurance premiums | 403,905 | 424,090 | 418,215 | 220,210 | 217,300 | |
| Data processing | 1 | 1 | 969,398 | 1 | 1 | |
| Advertising | 172,985 | 371,790 | 465,064 | 492,859 | 276,665 | |
| Director fees | 536,191 | 622,799 | 619,650 | 800,611 | 873,008 | |
| Professional fees | 1 | 789,646 | 661,045 | 546,004 | 735,067 | |
| Other | 792,592 | 960,230 | 1 | 988,081 | 1 | |
| Total non-interest expenses | 15 | 15 | 16 | 14 | 14 | |
| Income (loss) before income taxes | 2 | −3 | 480,378 | 9 | 9 | |
| Income tax benefit | −18,278 | −371,569 | −162,157 | 3 | 2 | |
| Net income (loss) | 2 | −2 | 642,535 | 7 | 8 | |
| Earnings (loss) per share - basic (in dollars per share) | 0.17 | −0.17 | 0.05 | 0.51 | 0.55 | |
| Earnings (loss) per share - diluted (in dollars per share) | 0.17 | −0.17 | 0.05 | 0.51 | 0.54 | |
| Weighted average shares outstanding (in shares) | 13 | 13 | 13 | — | — | |
| Weighted average shares outstanding - diluted (in shares) | 13 | 13 | 13 | 14 | 14 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 12 | 18 | 14 | 8 | 14 | |
| Interest-bearing deposits in other banks | 24 | 34 | 11 | 9 | 91 | |
| Cash and cash equivalents | 36 | 52 | 25 | 17 | 105 | |
| Securities available for sale | 158 | 140 | — | — | — | |
| Loans, net of allowance $2,529,949 and $2,620,949, at December 31, 2025 and 2024, respectively | 648 | 712 | — | — | — | |
| Premises and equipment, net | 4 | 5 | 8 | 8 | 8 | |
| Regulatory stock | 5 | 9 | 9 | 5 | — | |
| Interest Receivable | 4 | 4 | 4 | 4 | 3 | |
| Core deposit intangibles | 107,604 | 152,893 | 206,116 | 267,272 | 336,364 | |
| Bank owned life insurance | 32 | 32 | 31 | 30 | 25 | |
| Right-of-use asset | 10 | 11 | 0 | — | — | |
| Investment in limited partnership | 2 | 0 | — | — | — | |
| Other assets | 5 | 7 | 7 | 5 | 4 | |
| Total assets | 905 | 971 | 939 | 951 | 837 | |
| Non-interest bearing | 28 | 33 | 31 | 39 | 39 | |
| Interest bearing | 624 | 610 | 595 | 663 | 558 | |
| Total deposits | 652 | 642 | 625 | 701 | 597 | |
| FHLB advances-short term | 20 | 30 | 38 | 59 | — | |
| FHLB advances-long term | 73 | 143 | 130 | 43 | — | |
| Advance payments by borrowers for taxes and insurance | 3 | 3 | 3 | 3 | 3 | |
| Present value of net future minimum lease payments | 10 | 11 | 0 | — | — | |
| Other liabilities | 5 | 6 | 6 | 5 | 4 | |
| Total liabilities | 764 | 834 | 802 | 811 | 690 | |
| Preferred stock $0.01 par value 1,000,000 shares authorized, none issued and outstanding at December 31, 2025 and 2024 | 0 | 0 | 0 | 0 | — | |
| Common stock $0.01 par value, 30,000,000 shares authorized, 12,925,572 issued and outstanding at December 31, 2025 and 13,059,175 at December 31, 2024 | 129,255 | 130,592 | 132,792 | 136,989 | 146,057 | |
| Additional Paid-In capital | 55 | 55 | 56 | 59 | 68 | |
| Retained earnings | 92 | 90 | 92 | 92 | 85 | |
| Unearned ESOP shares (356,188 shares at December 31, 2025 and 382,933 shares at December 31, 2024) | −4 | −5 | −5 | −5 | — | |
| Accumulated other comprehensive loss | −2 | −4 | −6 | −6 | −272,656 | |
| Total stockholders' equity | 141 | 137 | 137 | 140 | 148 | |
| Total liabilities and stockholders' equity | 905 | 971 | 939 | 951 | 837 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Amortization of intangible assets | 99,409 | −7,288 | −56,583 | −229,718 | — | |
| Depreciation of premises and equipment | 398,468 | 496,984 | 514,983 | 485,118 | — | |
| Amortization (accretion) of deferred loan (fees) costs, net | 179,929 | 302,034 | 141,459 | −147,240 | 555,721 | |
| Amortization of premiums and accretion of discounts on securities, net | −46,759 | −71,420 | 30,933 | 155,525 | 161,191 | |
| Deferred income tax benefit expense | −8,693 | −457,536 | −624,390 | 503,307 | 261,277 | |
| Proceeds from sale of loans | −2 | −1 | 2 | — | — | |
| Origination of loans held for sale | 2 | 1 | −2 | — | — | |
| Loss on sale of securities | 0 | 9 | 0 | — | — | |
| Gain on sale of premises and equipment | 0 | −9 | 0 | — | — | |
| Increase in cash surrender value of bank owned life insurance | −1 | −871,753 | −781,526 | −682,204 | — | |
| Employee stock ownership plan | 208,183 | 193,210 | 224,870 | 280,792 | 258,247 | |
| Stock based compensation | 897,485 | 921,273 | 932,772 | 932,772 | 310,924 | |
| Accrued interest receivable | −28,847 | −299,778 | 33,866 | −1 | 445,747 | |
| Net changes in other assets | 1 | −397,027 | −1 | 2 | −827,519 | |
| Net changes in other liabilities | −342,592 | 24,217 | 2 | 617,367 | 201,487 | |
| Net cash provided by operating activities | 3 | −3 | 1 | 11 | 6 | |
| Purchases of securities available for sale | −60 | −77 | 0 | −67 | −34 | |
| Purchases of securities held to maturity | 0 | −11 | −9 | −25 | −44 | |
| Maturities, calls, and repayments of securities available for sale | 45 | 22 | 16 | 15 | 4 | |
| Maturities, calls, and repayments of securities held to maturity | 0 | 7 | 13 | 22 | 34 | |
| Proceeds from sale of securities | 0 | 54 | 0 | — | — | |
| Proceeds from sale of premises and equipment | 0 | 12 | 0 | — | — | |
| Net decrease (increase) in loans | 64 | 25,585 | 4 | −149 | 63 | |
| Proceeds from sale of loans from portfolio | 0 | 3 | — | — | — | |
| Purchase of equity investment | −3 | 0 | — | — | — | |
| Purchases of premises and equipment | −70,368 | −594,787 | −318,035 | −241,474 | −1 | |
| Purchase of FHLB stock | −4 | −8 | −9 | −8 | −733,900 | |
| Redemption of FHLB stock | 7 | 7 | 6 | 8 | 2 | |
| Net cash provided by investing activities | 50 | 10 | 22 | −211 | 35 | |
| Net increase (decrease) in deposits | 10 | 17 | −76 | 104 | 14 | |
| Net decrease in short-term FHLB advances | −10 | −8 | −22 | 53 | — | |
| Proceeds of long-term FHLB non-repo advances | −69 | 13 | 87 | −36 | — | |
| Net increase (decrease) in advance payments from borrowers for taxes and insurance | −218,197 | 75,496 | −440,952 | 318,541 | −350,631 | |
| Repurchase of common stock | −1 | −2 | −4 | −10 | −481,468 | |
| Net cash provided (used in) by financing activities | −70 | 20 | −15 | 112 | −16 | |
| Net increase in cash and cash equivalents | −17 | 27 | 8 | −88 | — | |
| Income taxes paid | 100,000 | 40,000 | 1 | 2 | 2 | |
| Interest paid | 28 | 31 | 22 | 7 | 6 | |
| Fair value change in derivatives | 315,633 | 411,830 | 239,510 | — | — | |
| Fair value change in fair value hedges | −1 | −109,594 | 0 | — | — | |
| Right of use asset | 10 | 11 | 233,448 | — | — | |
| Lease liability | 10 | 11 | 236,957 | — | — | |
| Transfer of held to maturity securities to available for sale | 0 | 54 | 0 | — | — |
Filings
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Frequently asked questions
What is Bogota Financial Corp.'s CIK number?
Bogota Financial Corp.'s SEC CIK number is 0001787414 (1787414). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Bogota Financial Corp.'s SEC filings?
All of Bogota Financial Corp.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Bogota Financial Corp. last report earnings?
Bogota Financial Corp. (BSBK) most recently filed an earnings 8-K with the SEC on May 6, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000943374-26-000189). This is Bogota Financial Corp.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is Bogota Financial Corp.'s most recent earnings 8-K?
Bogota Financial Corp.'s latest earnings 8-K (Item 2.02) was filed May 6, 2026 under accession 0000943374-26-000189. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Bogota Financial Corp.'s latest earnings 8-K →
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