---
schema_version: "secwatch.filing_event.v1"
accession: "0000943374-25-000457"
form_type: "8-K"
ticker: "BSBK"
cik: "0001787414"
company_name: "Bogota Financial Corp."
filed_at: "2025-11-03T23:59:59+00:00"
generated_at: "2026-05-17T00:55:25.205677+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bogota Financial Q3 net income $455K vs year-ago loss; nine-month net income $1.4M

## Summary
- Q3 2025 net income $455K ($0.04/sh) vs net loss $367K ($0.03/sh) in Q3 2024.
- Nine-month 2025 net income $1.4M ($0.11/sh) vs net loss $1.2M ($0.10/sh) YoY; includes $543K death benefit.
- Net interest margin 1.80% in Q3 2025 vs 1.15% in Q3 2024; net interest income up 46.6% to $3.9M.
- Assets down 4.7% to $925.8M; non-performing loans up to 2.21% of assets; no charge-offs.
- Regulatory approval received for repurchase of up to 237,590 shares; 4,821 shares bought to date.

## SEC filing metadata
- accession: 0000943374-25-000457
- form_type: 8-K
- ticker: BSBK
- cik: 0001787414
- company_name: Bogota Financial Corp.
- filed_at: 2025-11-03T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1787414/000094337425000457/0000943374-25-000457-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1787414/000094337425000457/form8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-25-000457
- JSON: https://secwatch.observer/filing/0000943374-25-000457.json
- Plain text: https://secwatch.observer/filing/0000943374-25-000457.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.