Bogota Financial reports Q2 net income $224k vs year-ago loss; NIM expands 53 bps

Bogota Financial Corp.

2025-Q2 EPS reported $0.08

Net income of $224k ($0.02 per share) for Q2 2025 vs net loss of $432k ($0.03) in Q2 2024; net interest margin rose 53 bps to 1.74%.
Six-month net income $955k ($0.08) vs net loss $873k ($0.07) in prior year; includes $543k one-time death benefit from BOLI.
Total assets down 5.1% to $921.8M; loans decreased 2.6%, deposits down 2.2%; FHLB advances cut 21%.
Completed 5th stock buyback; tangible book value per minority share rose to $29.10 from $22.04 at IPO.
Delinquent loans increased $6.1M to $20.4M due to one CRE loan of $7.1M; no loan charge-offs during period.

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