---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-026591"
form_type: "8-K"
ticker: "BSBK"
cik: "0001787414"
company_name: "Bogota Financial Corp."
filed_at: "2022-02-03T23:59:59+00:00"
generated_at: "2026-06-27T11:51:31.942981+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bogota Financial Q4 net income doubles to $2.0M; FY21 net income $7.5M vs $2.1M

## Summary
- Q4 2021 net income $2.0M, up 94% YoY from $1.0M; FY21 net income $7.5M vs $2.1M.
- Net interest margin rose 57 bps to 2.50% for FY21; credit provision of $88K vs $200K provision in prior year.
- Total assets $837.4M (+13%); deposits $597.5M (+19%) driven by Gibraltar Bank acquisition.
- Non-performing assets low at $1.9M (0.23% of total assets); only one loan still on COVID deferral.
- Non-GAAP core earnings $5.9M in FY21 vs $4.3M in FY20, reflecting steady growth.

## SEC filing metadata
- accession: 0001193125-22-026591
- form_type: 8-K
- ticker: BSBK
- cik: 0001787414
- company_name: Bogota Financial Corp.
- filed_at: 2022-02-03T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1787414/000119312522026591/0001193125-22-026591-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1787414/000119312522026591/d288758d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-026591
- JSON: https://secwatch.observer/filing/0001193125-22-026591.json
- Plain text: https://secwatch.observer/filing/0001193125-22-026591.txt

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