Bogota Financial Corp. is classed by the SEC under Savings Institutions, Not Federally Chartered (industry code 6036), based in Teaneck, NJ. Its latest filed balance sheet (2025-12-31) shows total assets of $877 million (its filed statements).
Lending businessSavings Institutions, Not Federally CharteredTeaneck, NJfilings since 20198 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6036, Savings Institutions, Not Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.5 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.9 out of ten, present 4.8 out of ten, future 4.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 6.3 out of ten. 1 warning event since 2019; the latest 2021-06-16. 63rd percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.1 out of ten. +10.1% a year over 8 filed years; profitable in 7 of 8. 51st percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 8.9 out of ten. Share count shrank 2.7% a year. 100% of cash flow returned. Insiders: 0 sales, 3 purchases. 89th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.2 out of ten. ROE 1%: 1¢ of profit per shareholder dollar. Leverage 84%: owes 84¢ per asset dollar. 62nd percentile among 23 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 2.4 out of ten. bottom 23% of 22 in its family; net margin 4.9%. 23rd percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.4 out of ten. CrossAssetData estimate 5.4/10, confidence 20 of 100 (family median). 50th percentile among 22 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Room to expand (future): 3.4 out of ten. bottom 34% of 19 in its family for room to expand. 34th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.4 out of ten. bottom 34% of 19 in its family for growth drivers. 34th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.8 out of ten. top 42% of 17 in its family for expectations against reality. 58th percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-13 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 (on EDGAR). Newest filing: Form 10-Q, 2026-08-13. Filings on record since 2019. Read from EDGAR 2026-10-12.
Who runs it
Masterson, John J. (director); Donnelly, Peter T (director). 2 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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