secwatch.observer — SEC 8-K summary
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Issuer:     Bogota Financial Corp. (BSBK)
CIK:        0001787414
Form:       8-K
Filed at:   2025-11-03T23:59:59+00:00
Accession:  0000943374-25-000457
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1787414/000094337425000457/0000943374-25-000457-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1787414/000094337425000457/form8k.htm
  HTML page:      https://secwatch.observer/filing/0000943374-25-000457

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