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BSBK on Nasdaq

Bogota Financial Corp.

Bogota Financial Corp. is a maryland corporation.1 It is headquartered in Teaneck, New Jersey.1 Its shares trade on Nasdaq under the symbol BSBK.1

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Last updated Oct 21, 2026.

Overview

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  • TickerBSBK on Nasdaq1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersTeaneck, New Jersey1
  • Business address819 Teaneck Road, Teaneck, Nj 076662
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Bogota Financial Corp. is a Maryland corporation that was formed in September 2019 to be the bank holding company of Bogota Savings Bank as part of the mutual holding company reorganization of Bogota Savings Bank. Other than holding the common stock of Bogota Savings Bank, and making a loan to the employee stock ownership plan of Bogota Savings Bank, Bogota Financial Corp. does not engage in any other business activities. Bogota Financial Corp.’s executive offices are located at 819 Teaneck Road, Teaneck, New Jersey 07666, and its telephone number is (201) 862-0660.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income5678910$2.1M in 2025−14% since 2019
-$2.5M0$2.5M$5.0M$7.5M$10.0M2019: $2.4M$2.4M20192020: $2.1M$2.1M2020−15%2021: $7.5M$7.5M2021+264%2022: $6.9M$6.9M2022−9%2023: $642.5K$642.5K2023−91%2024: -$2.2M-$2.2M20242025: $2.1M$2.1M2025
Fiscal year20192020202120222023202420252026
Interest$12.0M5$9.7M6$5.8M7$7.3M8$22.3M8
Income before tax$9.4M7$9.5M8$480.4K9-$2.5M10$2.1M10
Income tax$850.6K5$437.3K6$1.9M7$2.6M8-$162.2K9-$371.6K10-$18.3K10
Net income$2.4M5$2.1M6$7.5M7$6.9M8$642.5K9-$2.2M10$2.1M10
Earnings per share$0.176$0.557$0.518$0.059-$0.1710$0.1710
Earnings per share (diluted)$0.176$0.547$0.518$0.059-$0.1710$0.1710
Shares (weighted, basic)13.7M shares713.6M shares812.9M shares912.8M shares1012.6M shares10
Shares (weighted, diluted)13.9M shares713.6M shares812.9M shares912.8M shares1012.5M shares10

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Corporate structure

Bogota Financial Corp. sits at the top of its group. 4 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Bogota Financial Corp.

  • M3 PARTNERS LP Filed SC 13G/A on Bogota Financial Corp., latest Feb 14, 2024 (3 filings since Feb 14, 2022)
  • Bogota Financial Corp. Teaneck, New Jersey
    • Bogota Properties, LLC (Inactive) Subsidiary · New Jersey, United States
    • Bogota Savings Bank Subsidiary · New Jersey, United States
    • Bogota Securities Corp. Subsidiary · New Jersey, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Bogota Financial Corp. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$9.7M10 Dec 31, 2025$9.6M10 Dec 31, 2024+0.3%
Accumulated depreciation$5.3M10 Dec 31, 2025$4.9M10 Dec 31, 2024+7.2%
Property and equipment, net$4.4M10 Dec 31, 2025$4.7M10 Dec 31, 2024−6.9%
Operating-lease assets (leased space)$10.3M10 Dec 31, 2025$10.8M10 Dec 31, 2024−4.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$35.6M10 Dec 31, 2025$52.2M10 Dec 31, 2024−31.8%
Debt securities available for sale$140.3M9 Dec 31, 2024$68.9M9 Dec 31, 2023+103.7%
Debt securities held to maturity$09 Dec 31, 2024$72.7M8 Dec 31, 2023−100.0%
Stakes in other companies (equity method)$2.4M10 Dec 31, 2025$010 Dec 31, 2024
Loans, net of allowance$647.6M10 Dec 31, 2025$711.7M10 Dec 31, 2024−9.0%
Deposits held (banks)$652.4M10 Dec 31, 2025$642.2M10 Dec 31, 2024+1.6%

Intangibles and goodwill

ItemLatestA year beforeChange
Finite-lived intangibles, net$107.6K10 Dec 31, 2025$152.9K9 Dec 31, 2024−29.6%

Properties, in its own words

As of December 31, 2025, the net book value of our land, building and equipment was $4.4 million. The following table sets forth information regarding our offices as of December 31, 2025:

Location · Leased or Owned · Year Acquired or Leased · Net Book Value of Real Property

The rest of Item 2

Branch Offices:

819 Teaneck Road

Teaneck, NJ 07666 · Owned · 2004 · $1,728

60 East Main Street

Bogota, NJ 07603 · Leased · 2024 · $48

181 Boulevard

Hasbrouck Heights, NJ 07604 · Leased · 2024 · $207

1719 Route 10 East

Parsippany, NJ 07054 · Leased · 2021 · $24

5527 Berkshire Valley Road

Oak Ridge, NJ 07438 · Owned · 2021 · $387

1039 South Orange Road

Newark, NJ 07106 · Leased · 2024 · $21

558 E Crescent Avenue

Upper Saddle River, NJ 07458 · Leased · 2023 · $401

Other Offices:

510 Warren Ave

Spring Lake, NJ 07762 · Leased · 2021 · $3

(used as a loan production office)

We believe that the current facilities are adequate to meet our present and foreseeable needs, subject to possible future expansion.

Item 2 of the 10-K filed Mar 27, 2026.4

Leadership

Who has led Bogota Financial Corp., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Joseph Coccaro2020–2023
  2. Kevin Pace2024

President

  1. Joseph Coccaro2020–2023
  2. Kevin Pace2024

Chief financial officer

  1. Brian McCourt2020–2021
2025
Board members and other officers (13)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Bogota Properties, LLC (Inactive) New Jersey3
  • Bogota Savings Bank New Jersey3
  • Bogota Securities Corp. New Jersey3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Jul 30, 20268-K Results of operations27
  2. Jul 29, 20268-K Shareholder vote28
  3. Jun 1, 20268-K Entered a material agreement; Executive or director change; Other events29
  4. May 15, 20268-K Shareholder vote30
  5. May 6, 20268-K Results of operations31
  6. Mar 31, 20268-K Executive or director change32
  7. Feb 13, 20268-K Results of operations33
  8. Nov 3, 20258-K Results of operations34
  9. Aug 12, 20258-K Other events35
  10. Jul 31, 20258-K Results of operations36
  11. May 20, 20258-K Shareholder vote37
  12. May 1, 20258-K Results of operations38
  13. Mar 6, 2024New chief executive Kevin Pace becomes CEO13
  14. Jan 15, 2020New chief executive Joseph Coccaro becomes CEO14

Calendar

Coming up

  1. Nov 2, 2026Reports results for the quarter ending Sep/202639

When it reported results

  1. Jul 30, 2026Reported quarterly or annual results27
  2. May 6, 2026Reported quarterly or annual results31
  3. Feb 13, 2026Reported quarterly or annual results33
  4. Nov 3, 2025Reported quarterly or annual results34
  5. Jul 31, 2025Reported quarterly or annual results36
  6. May 1, 2025Reported quarterly or annual results38
  7. Feb 18, 2025Reported quarterly or annual results40
  8. Jan 6, 2025Reported quarterly or annual results41

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

133 filings to the SEC since October 2021: 6 annual reports, 16 quarterly reports, 45 major events, 50 insider forms, 3 large holders, 13 other. The latest 20:

  1. Aug 13, 202610-Q EDGAR
  2. Jul 30, 20268-K CURRENT REPORT FILING EDGAR
  3. Jul 29, 20268-K/A CURRENT REPORT FILING EDGAR
  4. Jul 2, 202611-K EDGAR
  5. Jun 30, 2026NT 11-K BOGOTA FINANCIAL CORP. FORM 12B-25 EDGAR
  6. Jun 1, 20268-K EDGAR
  7. May 15, 20268-K EDGAR
  8. May 13, 202610-Q EDGAR
  9. May 6, 20268-K EDGAR
  10. Apr 9, 2026DEF 14A EDGAR
  11. Mar 31, 20268-K EDGAR
  12. Mar 27, 202610-K EDGAR
  13. Feb 13, 20268-K EDGAR
  14. Dec 16, 20254 EDGAR
  15. Dec 9, 20254 EDGAR
  16. Nov 12, 202510-Q EDGAR
  17. Nov 3, 20258-K EDGAR
  18. Sep 23, 20253 EDGAR
  19. Aug 13, 202510-Q EDGAR
  20. Aug 12, 20258-K FORM 8K EDGAR

The 133 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

76 open-market trades by officers, directors and large owners since October 2021: 76 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Dec 12, 2025Masterson John J.DirectorBuy2,200$8.21$18.1KForm 4
Dec 8, 2025Masterson John J.DirectorBuy600$8.22$4.9KForm 4
Dec 5, 2025Masterson John J.DirectorBuy1,000$8.40$8.4KForm 4
Jun 18, 2025Masterson John J.DirectorBuy1,200$7.55$9.1KForm 4
May 23, 2025Masterson John J.DirectorBuy1,400$7.05$9.9KForm 4
Aug 5, 2024Masterson John J.DirectorBuy1,800$7.10$12.8KForm 4
Aug 2, 2024Masterson John J.DirectorBuy2,511$7.26$18.2KForm 4
Jun 7, 2024Pace KevinPresident and CEOBuy100$6.70$670Form 4
Jun 5, 2024Pace KevinPresident and CEOBuy12$6.72$81Form 4
May 28, 2024Masterson John J.DirectorBuy208$6.78$1.4KForm 4
May 2, 2024Masterson John J.DirectorBuy1,192$6.70$8.0KForm 4
Apr 9, 2024Walsh Robert C.Executive Vice PresidentBuy250$6.84$1.7KForm 4
Mar 15, 2024Pace KevinPresident and CEOBuy125$7.30$912Form 4
Mar 15, 2024Masterson John J.DirectorBuy1,400$7.30$10.2KForm 4
Mar 14, 2024Masterson John J.DirectorBuy1,929$7.30$14.1KForm 4
Mar 8, 2024Pace KevinPresident and CEOBuy75$7.37$552Form 4
Mar 7, 2024Pace KevinPresident and CEOBuy100$7.41$741Form 4
Mar 7, 2024Masterson John J.DirectorBuy2,000$7.40$14.8KForm 4
Mar 6, 2024Masterson John J.DirectorBuy2,300$7.51$17.3KForm 4
Mar 5, 2024Pace KevinPresident and CEOBuy100$7.60$760Form 4

All 76 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Kevin Pace$400.0K$759.0K43
2025Brian McCourt$292.5K$439.1K43
2025Robert Walsh$220.0K$306.7K43
2024President and ChiefExecutive Officer$380.0K$677.8K43
2024Executive VicePresident and Chief Financial Officer$278.5K$373.4K43

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Vanguard Capital Management LLC181,061$1.6M0.0%+9,196
Renaissance Technologies LLC60,851$549.5K0.0%+29,600
Geode Capital Management, LLC48,877$441.5K0.0%−1,619
Bank Of America Corp /de/29,038$262.2K0.0%−1,737
Vanguard Fiduciary Trust Co22,936$207.1K0.0%+156
Citadel Advisors LLC21,732$196.2K0.0%New
BlackRock, Inc.15,747$142.2K0.0%+3,669
Cetera Investment Advisers15,000$135.4K0.0%No change
Northwestern Mutual Wealth Management Co2,965$26.8K0.0%−250
UBS Group AG2,670$24.1K0.0%−9
Vanguard Global Advisers, LLC2,300$20.8K0.0%No change
Tower Research Capital LLC (TRC)523$4.7K0.0%+246
Citigroup Inc16$1440.0%+15
Barclays PLC7$630.0%New

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Bogota Financial Corp. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARBogota Financial Corp.1
  • CIK0001787414
  • Employer ID (EIN)84-35012314
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inMaryland4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address819 Teaneck Road, Teaneck, NJ 076661
  • Phone201-862-06601
  • Shares outstanding12,761,313 as of Aug 13, 202612
  • Public float$50.0M as of Jun 30, 20254
  • AuditorS. R. Snodgrass P.C., Cranbury Township, PA PCAOB ID 74; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceSep 9, 20191
  • Filings222 in all: 4 (76), 8-K (60), 10-Q (21), 3 (15), 10-K (7), DEF 14A (7), 11-K (6), 8-K/A (3)1
    All 25 form types

    CORRESP (3), SC 13G/A (3), 10-K/A (2), 10-Q/A (2), 424B3 (2), NT 11-K (2), S-1/A (2), S-8 (2), 4/A (1), 8-A12B (1), ARS (1), CERT (1), EFFECT (1), S-1 (1), SC 13D (1), SC 13G (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 27, 2026
    Quarterly report (10-Q) Aug 13, 2026
    Proxy statement (DEF 14A) Apr 9, 2026
    Latest 8-K (8-K) Jul 30, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 par value per shareBSBKNasdaq

From the cover page of the 10-K filed Mar 27, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks Bogota Financial Corp. names in Item 1A of its 10-K filed Mar 27, 2026: 37 risks under these headings, as written.4

  • Risks Related to our Lending Activities
  • The geographic concentration of our loan portfolio makes us vulnerable to a downturn in the local economy.
  • Our strategy emphasis on commercial and multi-family real estate loans may expose us to increased lending risks.
  • Our non-owner occupied commercial real estate loans may expose us to increased credit risk.
  • Our allowance for credit losses may not be sufficient to cover actual credit losses.
  • Our concentrations of loans in certain industries could have adverse effects on credit quality.
  • We are subject to environmental liability risk associated with lending activities.
  • Changes in interest rates may reduce our profits.
  • Changes in the estimated fair value of debt securities may reduce stockholders’ equity and net income.
  • Risks Related to Economic Conditions
  • Inflation can have an adverse impact on our business and on our customers.
  • Changes to trade policies and tariffs can have an adverse impact on our business and our customers.
The other 27 risks
  • Interruption of our customers' supply chains could negatively impact their business and operations and impact their ability to repay their loans.
  • A deterioration in economic conditions could reduce demand for our products and services and/or result in a decrease in our asset quality, which could have an adverse effect on our results of operations.
  • Risks Related to Our Funding
  • Our inability to generate core deposits could have an adverse effect on our net interest margin and profitability or may cause us to rely more heavily on wholesale funding strategies for liquidity needs.
  • If our banking deposits that we receive from municipalities were lost within a short period of time, it could negatively impact our liquidity and earnings.
  • Risks Related to Our Business Strategy
  • Building market share through de novo branching may cause our expenses to increase faster than revenues.
  • Our business strategy contemplates moderate organic growth, and our financial condition and results of operations may be adversely affected if we fail to grow or fail to manage our growth effectively.
  • Acquisitions may disrupt our business and dilute shareholder value.
  • Risks Related to Our Securities Portfolio
  • Our investments in corporate and municipal debt securities obligations expose us to additional credit risks, which could adversely affect our financial condition and results of operations.
  • Changes in the valuation of our securities portfolio may reduce our profits and our capital levels.
  • Risks Related to Our Operations
  • We are a community bank and our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our performance.
  • Our success depends on retaining certain key personnel.
  • Systems failures or breaches of our network security could adversely affect our financial condition and results of operation and subject us to increased operating costs as well as litigation and other liabilities.
  • The failure to maintain current technologies, and the costs to update technology, could negatively impact the Corporation's business and financial results.
  • While our Board of Directors takes an active role in cybersecurity risk tolerance, we rely to a large degree on management and outside consultants in overseeing cybersecurity risk management.
  • Natural disasters, acts of terrorism, global market disruptions and other external events could harm our business.
  • Our risk management framework may not be effective in mitigating risk and reducing the potential for significant losses.
  • Risks Related to Competition
  • Strong competition within our market area may reduce our profits and slow growth.
  • Risks Related to Laws and Regulations and Their Enforcement
  • Changes in laws and regulations and the cost of regulatory compliance with new laws and regulations may adversely affect our operations and/or increase our costs of operations.
  • The fiscal, monetary and regulatory policies of the federal government and its agencies could adversely affect our business, financial condition and results of operations.
  • We are subject to stringent capital requirements, which may adversely impact our return on equity, require us to raise additional capital, or restrict us from paying dividends or repurchasing shares.
  • Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
  • We are a smaller reporting company and any decision on our part to comply only with certain reduced reporting and disclosure requirements applicable to smaller reporting companies could make our common stock less attractive to investors.
  • Changes in accounting standards could affect reported earnings.
  • Risks Related to Ownership of Our Common Stock
  • Federal Reserve Board regulations and policy effectively prohibit Bogota Financial, MHC from waiving the receipt of dividends, which will likely preclude us from paying any dividends on our common stock.
  • Our common stock is not heavily traded, and the stock price may fluctuate significantly.
  • Bogota Financial, MHC’s majority control of our common stock enables it to exercise voting control over most matters put to a vote of stockholders and will prevent stockholders from forcing a sale or a second-step conversion transaction you may find advantageous.
  • Various factors may make takeover attempts more difficult to achieve.

Legal proceedings

We are not involved in any pending legal proceedings as a defendant other than routine legal proceedings in the ordinary course of business. At December 31, 2025, we were not involved in any legal proceedings the outcome of which management believes would be material to our financial condition or results of operations.

The opening of Item 3, Legal Proceedings.4

Sources

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    SEC EDGAROther events
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