TEANECK, N.J., Feb. 13, 2026 (GLOBE NEWSWIRE) -- Bogota Financial Corp. (NASDAQ: BSBK) (the “Company...

BSBK

Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2025

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  <section data-block="information">
    <h3>Information</h3>
    <p>TEANECK, N.J., Feb. 13, 2026 (GLOBE NEWSWIRE) -- Bogota Financial Corp. (NASDAQ: BSBK) (the “Company...</p>
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  <section data-block="ai-summary-paragraph">
    <h3>AI Summary</h3>
    <p>Bogota Financial Corp (BSBK) reported a net income of $680,000 for Q4 2025, reversing last year’s loss. Overall net income increased to $2.1 million for the year, supported by improved yields on securities and a slight rise in deposits despite a decline in total assets and loans, indicating operational resilience and a focus on growth.</p>
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  <section data-block="ai-summary-bullets">
    <h3>Key Points</h3>
    <ul><li>BSBK reported Q4 2025 net income of $680,000, up from a loss last year.</li><li>Total assets declined by 6.9% to $904.9 million; total loans down 9%.</li><li>Deposits increased 1.6% to $652.4 million, mainly in interest-bearing accounts.</li><li>Yield on securities rose to 5.31% due to previous balance sheet restructuring.</li><li>The bank plans branch expansion in New Jersey and continues stock buyback.</li></ul>
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  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>Bogota Financial Corp. (BSBK)</strong>: Continued improvements in profitability and strategic expansion positions BSBK favorably.</li></ul>
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  <section data-block="category">
    <h3>Corporate Developments</h3>
    <p>This report fits into the &#039;Corporate Developments&#039; category as it highlights financial performance and future business strategies that inform potential investors about BSBK&#039;s operational health and growth prospects.</p>
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  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>Increased profitability signals a positive trend potentially boosting BSBK&#039;s stock price.</li><li>Branch expansion may enhance future revenue streams and customer engagement.</li><li>Stock buyback program indicates commitment to shareholder value.</li><li>Rising yields on securities may improve net interest margins further.</li></ul>
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  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>Net income for Q4 2025 was $680,000, compared to a $930,000 loss last year.</li><li>Total assets decreased by $66.7 million to $904.9 million.</li><li>Total deposits were $652.4 million, up 1.6% year-over-year.</li><li>Net loans decreased 9% to $647.6 million.</li><li>Average yield on securities rose 143 basis points to 5.31%.</li></ul>
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  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>Invest in BSBK for potential upside as profitability rebounds and expansion plans unfold within 6-12 months.</p>
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<article>
    <h2>Bogota Financial Corp. Reports 2025 Financial Results</h2>
    <p>TEANECK, N.J., Feb. 13, 2026 (GLOBE NEWSWIRE) -- Bogota Financial Corp. (NASDAQ: BSBK), the holding company for Bogota Savings Bank, announced its financial results for the three and twelve months ended December 31, 2025. The Company reported a net income of <strong>$680,000</strong> or <strong>$0.05</strong> per basic and diluted share for the quarter, marking a significant recovery from a net loss of <strong>$930,000</strong> or <strong>$0.07</strong> per share during the same period in the previous year. For the full year, Bogota Financial Corp. achieved a net income of <strong>$2.1 million</strong> or <strong>$0.17</strong> per share, compared to a net loss of <strong>$2.2 million</strong> the prior year.</p>
    
    <h3>Key Financial Highlights</h3>
    <ul>
        <li>Total assets stood at <strong>$904.9 million</strong> at December 31, 2025, down <strong>$66.7 million</strong> or <strong>6.9%</strong> from <strong>$971.5 million</strong> a year earlier.</li>
        <li>Cash and cash equivalents decreased <strong>$16.6 million</strong>, or <strong>31.8%</strong>, to <strong>$35.6 million</strong>.</li>
        <li>Securities available for sale rose by <strong>$17.8 million</strong>, or <strong>12.7%</strong>, totaling <strong>$158.1 million</strong>.</li>
        <li>Net loans declined <strong>$64.1 million</strong>, or <strong>9.0%</strong>, to <strong>$647.6 million</strong>.</li>
        <li>Total deposits increased by <strong>$10.3 million</strong>, or <strong>1.6%</strong>, reaching <strong>$652.4 million</strong>.</li>
        <li>Federal Home Loan Bank advances significantly reduced by <strong>$78.9 million</strong>, or <strong>45.8%</strong>, to <strong>$93.3 million</strong>.</li>
    </ul>

    <h3>Management Insights</h3>
    <p>Kevin Pace, President and CEO of Bogota Financial Corp. (NASDAQ: BSBK), remarked, “This year’s results reflect the strength of our strategy and the disciplined execution of our team. After navigating a challenging period, we made significant strides returning to profitability with 2025 net income of <strong>$2.1 million</strong> compared to a loss of <strong>$2.2 million</strong> the prior year. This improvement showcases a more resilient balance sheet and a clear focus on responsible growth.”</p>
    
    <h3>Future Growth Plans</h3>
    <p>Looking ahead, the Company has plans for a new branch location in Central/Southern New Jersey, expected to open in early summer 2026. Additionally, Bogota Financial Corp. will continue to implement its stock buyback program, committing to enhance shareholder value.</p>

    <h3>In-Depth Income Statement Analysis</h3>
    <p>Comparing the operational results for the three months ended December 31, 2025, to December 31, 2024, net income saw an increase of <strong>$1.6 million</strong> to <strong>$681,000</strong>, recovering from a net loss of <strong>$930,000</strong> in the prior year quarter.</p>
    <p>This improvement was driven by:</p>
    <ul>
        <li>An increase of <strong>$359,000</strong> in interest income.</li>
        <li>A reduction of <strong>$1.5 million</strong> in interest expenses.</li>
        <li>A decrease in income tax expense by <strong>$460,000</strong>.</li>
    </ul>

    <h3>Interest Income and Expense Overview</h3>
    <p>Interest income rose by <strong>3.4%</strong>, totaling <strong>$11.0 million</strong> for the three months ended December 31, 2025. This was primarily due to higher yields on interest-earning assets, despite lower average balances.</p>
    <p>Interest expense decreased by <strong>$1.4 million</strong>, or <strong>17.7%</strong>, to <strong>$6.7 million</strong> for the same period, benefiting from lower costs on interest-bearing liabilities.</p>

    <h3>Conclusion</h3>
    <p>Bogota Financial Corp. (NASDAQ: BSBK) demonstrated a commendable turnaround in 2025, moving from substantial losses to achieving profitability. As the Company prepares for further expansions and refinements in its business strategy, its commitment to shareholder value remains a central focus.</p>
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Bogota Financial Corp (BSBK) reported a net income of $680,000 for Q4 2025, reversing last year’s loss. Overall net income increased to $2.1 million for the year, supported by improved yields on securities and a slight rise in deposits despite a decline in total assets and loans, indicating operational resilience and a focus on growth.

Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2025

AI Summary

Sentiment Rationale

Trading Thesis

Market-Moving

Key Facts

Companies Mentioned

Corporate Developments

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