$BSBK

Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2026

Bogota Financial Corp. (BSBK) filed an SEC Form 8-K — Results of Operations and Financial Condition. Exhibit 99.1 Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2026 NEWS PROVIDED BY Bogota Financial Corp. Teaneck, New Jersey, October 30, 2026 – Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company for Bogota Savings

Original reporting
Published Oct 30, 2026, 8:30 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Oct 30, 2026, 8:32 PM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
AlphAI market briefEarnings
Primary signal
$BSBK
Neutral
medium confidence
Mentioned
$BSBK
Relevance
7/10
AlphAI data visualization · based on SEC EDGAR 8-K
Decision brief

The 30-second read

$BSBKNeutralMed
01

Why it matters

The modest earnings beat is offset by a shrinking asset base and significant deposit withdrawals, likely leading to a muted or slightly negative market reaction.

02

Market read

Primary earnings disclosure for a micro‑cap bank; relevance mainly to investors in BSBK and peers in the regional banking sector.

03

What to watch

FHLB advances rose 51%, providing liquidity; hedging activity increased, which could mitigate interest‑rate risk.

Relevance 7/10Novelty 6/10Timing: post‑market filing

Background

The filing is a standard 8‑K Item 2.02 earnings release for a small community bank, providing the first public disclosure of its Q3 2026 results.

Company-level read

Ticker impact

$BSBKNeutralMedium confidence
Context

Bogota Financial Corp. filed an 8‑K reporting Q3 2026 earnings: net income $473k (up 4%), net income $1.9M for nine months (up 36%), assets down 2.6% and deposits down 10.9%.

Expected impact

likely slight downside as investors digest lower asset base and deposit outflows

Evidence & confidence

Small profit increase does not offset the notable balance‑sheet contraction; market may price in modest pressure.

Market effects

Highlights pressure on regional community banks facing deposit outflows and higher funding costs.

May weigh on other New Jersey‑based or small‑cap banks with similar balance‑sheet profiles.

Limited; primarily a micro‑cap US bank story.

Counterpoint

If the new location in Point Pleasant drives future loan growth, the short‑term dip could be an entry point.

Key entities

  • Bogota Financial Corp.

    Holding company for Bogota Savings Bank, NASDAQ: BSBK.

  • Kevin Pace

    President and CEO of Bogota Financial Corp.

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