- Bogota Financial Corp. reported **net income of $455,000**, or **$0.04 per basic and diluted share**, for the three months ended September 30, 2025, compared to a net loss of $367,000 for the comparable prior year period.  **[1787414_0000943374-25-000457_ex99-1.htm:0]**  For the nine months ended September 30, 2025, net income was **$1.4 million**, or **$0.11 per basic and diluted share**, which included a one-time death benefit of approximately $543,000.  **[1787414_0000943374-25-000457_ex99-1.htm:0]** 
- Total assets decreased **4.7%**, or **$45.7 million**, to **$925.8 million** at September 30, 2025, from $971.5 million at December 31, 2024, primarily due to decreases in cash and cash equivalents and net loans.  **[1787414_0000943374-25-000457_ex99-1.htm:1]** **[1787414_0000943374-25-000457_ex99-1.htm:7]** 
- Net loans decreased **6.0%** to **$669.2 million** at September 30, 2025, from $711.7 million at December 31, 2024, while total deposits increased **0.7%** to **$646.8 million** over the same period.  **[1787414_0000943374-25-000457_ex99-1.htm:1]** **[1787414_0000943374-25-000457_ex99-1.htm:7]** 
- Non-performing assets increased to **$20.5 million**, representing **2.21% of total assets**, at September 30, 2025, compared to $14.0 million at December 31, 2024.  **[1787414_0000943374-25-000457_ex99-1.htm:7]** 
- The company received regulatory approval for a share repurchase program of up to **237,590 shares** and had repurchased **4,821 shares** as of September 30, 2025.  **[1787414_0000943374-25-000457_ex99-1.htm:0]**

Bogota Financial Corp. Reports Q3 2025 Results

- Bogota Financial Corp. reported **net income of $455,000**, or **$0.04 per basic and diluted share**, for the three months ended September 30, 2025, compared to a net loss of $367,000 in the prior year period.  **[1787414_14d698bb4a8b48ba81799950a4c13639_0]**  For the nine months ended September 30, 2025, net income was **$1.4 million**, or **$0.11 per basic and diluted share**, up from a $1.2 million net loss in the comparable prior year period, which included a **one-time death benefit of approximately $543,000**.  **[1787414_14d698bb4a8b48ba81799950a4c13639_0]** 
- **Net interest income significantly increased**, rising **46.6% to $3.9 million** for the three months ended September 30, 2025, and **38.9% to $11.2 million** for the nine months ended September 30, 2025, compared to the respective prior year periods.  **[1787414_14d698bb4a8b48ba81799950a4c13639_4]** **[1787414_14d698bb4a8b48ba81799950a4c13639_6]** 
- As of September 30, 2025, **total assets decreased by $45.7 million (4.7%) to $925.8 million** from December 31, 2024, primarily due to a **$42.5 million (6.0%) decrease in net loans** and a **$21.0 million (40.2%) decrease in cash and cash equivalents**, partially offset by a **$20.4 million (14.6%) increase in securities**.  **[1787414_14d698bb4a8b48ba81799950a4c13639_0]** **[1787414_14d698bb4a8b48ba81799950a4c13639_7]** 
- The company initiated a **share repurchase program** for up to **237,590 shares** of its common stock, and as of September 30, 2025, **4,821 shares** have been repurchased for **$42,000**.  **[1787414_14d698bb4a8b48ba81799950a4c13639_0]**

Bogota Financial (BSBK)