Bogota Financial Corp. (BSBK)

AI-Powered SEC Filing Analysis

Current Report Filed: 2026-05-15

Key Insights

  • Two board directors were re-elected with strong shareholder support, with Peter T. Donnelly and John Masterson each receiving over 97% affirmative votes, indicating solid investor confidence in current leadership.
  • S.R. Snodgrass, P.C. was ratified as independent auditor with 98% approval (11.8M votes for vs. 225K against), suggesting no audit-related concerns or shareholder disputes.
  • Advisory Say-on-Pay vote passed but with a notable split on frequency: 8.97M shareholders favored triennial votes versus 2.16M for annual votes, indicating some investor preference for less frequent compensation reviews.
  • Significant broker non-votes of 844,524 shares (6.2% of votes cast) on director elections suggests some institutional shareholders abstained or lacked voting instruction, a minor governance consideration.
Filing tone (AI): Positive
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Quarterly Report Filed: 2026-05-13

Key Insights

  • Bogota Financial Corp maintains stable share structure with 12.9 million common shares outstanding as of Q1 2026, indicating no significant dilution or capital raises during the quarter.
  • The company shows consistent capitalization with stockholders' equity components including common stock, additional paid-in capital, and retained earnings, suggesting stable financial positioning without major restructuring activities.
  • Filing includes detailed loan portfolio segmentation across residential, commercial real estate, multifamily, construction, and consumer segments, reflecting a diversified lending strategy across multiple real estate and credit categories.
  • The presence of hedging instruments and derivative positions indicates active interest rate risk management, which is critical for a financial institution in a potentially volatile rate environment.
  • Year-over-year comparison data (Q1 2025 vs Q1 2026) is included, allowing for trend analysis of balance sheet metrics and equity composition over the quarterly period.
Filing tone (AI): Neutral
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Current Report Filed: 2026-05-06

Key Insights

  • Bogota Financial Corp. reported Q1 2026 earnings results on May 6, 2026, with the press release serving as the primary disclosure vehicle for financial performance metrics.
  • The filing is purely informational regarding earnings announcement with no material events such as mergers, leadership changes, or strategic initiatives disclosed in the 8-K itself.
  • As a non-emerging growth company, Bogota Financial Corp. maintains standard SEC compliance requirements without extended transition periods for new accounting standards.
Filing tone (AI): Neutral
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Current Report Filed: 2026-03-31

Key Insights

  • Bogota Financial Corp. (BSBK) has announced the retirement of its Executive Vice President and Chief Lending Officer, Robert Walsh, effective March 31, 2026.
  • The company has entered into a Retirement and Consulting Agreement with Mr. Walsh, which includes a lump sum payment, immediate vesting of his stock options, and a consulting arrangement for a fee of $10,000 per month through July 2026.
  • The agreement also includes post-employment obligations such as non-solicitation restrictions and confidentiality provisions.
Filing tone (AI): Neutral
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Annual Report Filed: 2026-03-27

Key Insights

  • Bogota Financial Corp. has a strong governance structure with the Board of Directors, CEO, and VP of IT playing an active role in overseeing the cybersecurity program.
  • The company has established a comprehensive information security program, with the Information Security Officer providing risk oversight and the internal auditors and Board of Directors providing independent assurance.
  • The company provides regular updates on cyber risks, information security projects, and the emerging threat landscape to the Board of Directors and senior management, indicating a proactive approach to cybersecurity.
Filing tone (AI): Positive
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Current Report Filed: 2026-02-13

Key Insights

  • Bogota Financial Corp. reported its financial results for the three and twelve months ended December 31, 2025, providing investors with an update on the company's recent performance.
  • The company did not provide any additional details or commentary on the financial results in the 8-K filing, which may limit the amount of insights that can be drawn from the limited information provided.
  • Investors will likely want to review the full earnings release or subsequent investor communications to gain a more comprehensive understanding of Bogota Financial's financial and operational performance during the period.
Filing tone (AI): Neutral
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Important Information

AI-generated analysis is for informational purposes only. Always read original SEC filings and consult with qualified professionals before making investment decisions.