secwatch.observer — SEC 8-K summary
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Issuer:     Bogota Financial Corp. (BSBK)
CIK:        0001787414
Form:       8-K
Filed at:   2026-02-13T23:59:59+00:00
Accession:  0000943374-26-000085
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1787414/000094337426000085/0000943374-26-000085-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1787414/000094337426000085/form8k.htm
  HTML page:      https://secwatch.observer/filing/0000943374-26-000085

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