---
schema_version: "secwatch.filing_event.v1"
accession: "0000943374-26-000085"
form_type: "8-K"
ticker: "BSBK"
cik: "0001787414"
company_name: "Bogota Financial Corp."
filed_at: "2026-02-13T23:59:59+00:00"
generated_at: "2026-05-16T02:48:23.615017+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Bogota Financial reports FY2025 net income $2.1M vs prior year loss $2.2M

## Summary
- Q4 2025 net income $680K ($0.05 EPS) vs net loss $930K ($0.07 EPS) in Q4 2024.
- Full-year net interest income rose 46.6% to $15.5M on lower deposit costs and reduced borrowings.
- Total assets fell 6.9% to $904.9M; net loans decreased 9.0% to $647.6M.
- Deposit costs dropped 43 bps to 3.30% for 2025; FHLB advances down 45.8% to $93.3M.
- Company repurchased 123,603 shares in FY2025 for $1.1M; new branch planned in Central/Southern NJ by early summer 2026.

## SEC filing metadata
- accession: 0000943374-26-000085
- form_type: 8-K
- ticker: BSBK
- cik: 0001787414
- company_name: Bogota Financial Corp.
- filed_at: 2026-02-13T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1787414/000094337426000085/0000943374-26-000085-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1787414/000094337426000085/form8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-26-000085
- JSON: https://secwatch.observer/filing/0000943374-26-000085.json
- Plain text: https://secwatch.observer/filing/0000943374-26-000085.txt

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