Bogota Financial Corp. (BSBK) Latest Filing Signal

Based on earningsVibe SuperAnalyst™ synthesis of the latest 10-K, Bogota Financial Corp.'s filing signal continuing positive.

Bogota Financial Corp. operates as a bank holding company for Bogota Savings Bank, a New Jersey-chartered savings bank founded in 1893. The bank's primary business involves attracting deposits from the public and municipalities, and using these funds, along with Federal Home Loan Bank advances, to originate loans. Its loan portfolio is concentrated in one- to four-family residential real estate loans (68.3% of total loans as of December 31, 2025), with significant portions also in commercial and multi-family real estate loans (27.8%). Bogota Savings Bank operates seven offices across New Jersey and a loan production office, serving a market area encompassing Bergen, Morris, and Essex Counties, and extending to Monmouth and Ocean Counties.

The company's primary source of income is net interest income, derived from the difference between interest earned on loans and investments and interest paid on deposits and borrowings. Non-interest income is generated from banking fees and service charges.