Bogota Financial Reports $1.9 Million in Nine-Month Net Income
Bogota Financial reported Q3 2026 net income of $473,000, up from $455,000 YoY. Nine-month net income rose to $1.9M, with net interest income increasing 13.9% to $12.7M. Assets and deposits declined, but the company repurchased 237,590 shares. The bank opened a new branch in Point Pleasant, NJ, and disclosed merger-related expenses.
How this was made

The 30-second read
Why it matters
Earnings are modestly better than the prior year, with net interest income up and a share buyback completed. The small scale suggests limited price movement.
Market read
Micro‑cap earnings release with modest profit growth; likely limited impact on broader market.
What to watch
Share repurchase of 237,590 shares may signal confidence in balance sheet despite declining assets.
Background
Bogota Financial Corp (BSBK) is a community bank operating eight offices in New Jersey. The filing is an 8‑K reporting Q3 2026 results.
Ticker impact
Bogota Financial reported its Q3 2026 earnings and nine‑month net income, the first public disclosure of these results.
likely limited upside as investors digest modest profit growth
Micro‑cap earnings with modest profit increase may attract some buying but the absolute numbers are small.
Market effects
Minimal effect on regional banking sector; results reflect modest growth in a niche New Jersey market.
Limited to local New Jersey banking landscape.
None
Counterpoint
Investors could view the modest earnings as a sign of limited growth potential and consider short positions.
Key entities
- companyBogota Financial Corp
Community bank based in New Jersey, ticker BSBK.

