Bogota Financial Corp. (BSBK) Form 8-K — Oct 30, 2026
Bogota Financial Corp. (NASDAQ: BSBK) reported Q3 2026 net income of $473,000, or $0.04 per share, versus $455,000 a year ago. Nine-month net income rose 36% to $1.9 million ($0.15 per share), with net interest income up 13.9% to $12.7 million and net interest margin expanding to 2.19% in Q3. The quarter also carried warning signs: deposits fell 10.9% to $581.3 million and were replaced with FHLB borrowings, which jumped 50.8% to $140.7 million.
Key figures
- Eps
- 0.04
- Net Income
- 473000
- Revenue Yoy
- net interest income +14.9% QoQ quarter, +13.9% nine months
- Q3 eps
- $0.04 basic and diluted
- Total assets
- 881800000
- Fhlb advances
- 140700000
- Deposit change
- -10.9% from Dec 31, 2025
- Nine month eps
- $0.15 vs $0.11 prior year
- Total deposits
- 581300000
- Merger expense q3
- 311000
- Npl percent loans
- 4.37%
- Share repurchases
- 237,590 shares for $2.1 million (program completed)
- Npa percent assets
- 3.22%
- Shares outstanding
- 12757803
- Fhlb advance change
- +50.8%
- Nine month net income
- $1.9 million vs $1.4 million prior year
- Non performing assets
- 28300000
- Net interest margin q3
- 2.19% vs 1.80%
- Q3 net income prior year
- 455000
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