Bogota Financial reports financial results for Q3 2026

Item 2.02

Results of Operation and Financial Condition

On October 30, 2026, Bogota Financial Corp., the holding company for Bogota Savings Bank, issued a press release reporting its financial results for the three and nine months ended September 30, 2026.

A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K¹ and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

Item 9.01

Financial Statements and Exhibits

Financial Statements of Businesses Acquired. Not applicable.

Pro Forma Financial Information. Not applicable.

Shell Company Transactions. Not applicable.

d.

Exhibits.

Exhibit No.

Description

99.1

Press release dated October 30, 2026.

104

Cover Page Interactive Data File (formatted in iXBRL and contained in Exhibit 101).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

BOGOTA FINANCIAL CORP.

DATE: October 30, 2026

By:

/s/ Brian McCourt

Brian McCourt

Executive Vice President and Chief Financial Officer

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 Bank (the "Bank"), reported net income for the three months ended September 30, 2026 of $473,000, or $0.04 per basic and diluted share, compared to a net income of $455,000, or $0.04 per basic and diluted share, for the comparable prior year period². The Company reported net income for the nine months ended September 30, 2026 of $1.9 million, or $0.15 per basic and diluted share³, compared to a net income of $1.4 million, or $0.11 per basic and diluted share, for the comparable prior year period.

As of September 30, 2026, 237,590 shares of the Company's common stock have been repurchased pursuant to the Company's current stock repurchase program at a cost of $2.1 million⁴ which represents all of the shares the Company was authorized to repurchase under that program.

Other Financial Highlights:

●

Total assets decreased $23.1 million, or 2.6%, to $881.8 million at September 30, 2026 from $904.9 million at December 31, 2025, due to a decrease in cash and cash equivalents and