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
How this was made
The 30-second read
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.
Market read
Primary earnings disclosure for a micro‑cap bank; relevance mainly to investors in BSBK and peers in the regional banking sector.
What to watch
FHLB advances rose 51%, providing liquidity; hedging activity increased, which could mitigate interest‑rate risk.
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.
Ticker impact
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%.
likely slight downside as investors digest lower asset base and deposit outflows
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
- CompanyBogota Financial Corp.
Holding company for Bogota Savings Bank, NASDAQ: BSBK.
- ExecutiveKevin Pace
President and CEO of Bogota Financial Corp.


