Bogota Financial Corp. is the holding company for Bogota Savings Bank, a community-oriented U.S. savings institution focused on gathering deposits and originating loans in its local market area. Its balance sheet is centered on residential real estate lending, construction lending, commercial real estate, and securities, funded primarily by customer deposits and borrowings. The company also uses Federal Home Loan Bank funding and correspondent bank lines to manage liquidity. Because it operates as a savings institution rather than a diversified financial conglomerate, its performance is closely tied to local credit conditions, deposit competition, and interest-rate movements.
| % | |
|---|---|
| Deposit funding | 25% Core deposit products used to fund lending and support liquidity, including customer deposits and municipal deposits. |
| Residential real estate lending | 45% One- to four-family mortgage loans and related residential real estate credit products. |
| Commercial and construction lending | 20% Commercial real estate and construction loans that provide higher-yielding credit exposure to local borrowers. |
| Consumer and other loans | 5% Smaller consumer and miscellaneous lending products serving local retail customers. |
| Investment securities and liquidity management | 5% Available-for-sale securities, cash management, and funding sources used to support balance-sheet liquidity. |
Bogota Financial serves households and local borrowers in its market area, with a lending mix that is heavily weighted...
Households and local savers who place checking, savings, and time deposits with the bank because of convenience, relationship banking, and perceived safety.
Individuals and families obtaining one- to four-family real estate loans for home purchase, refinance, or home equity needs.
Local property owners and small businesses that borrow against income-producing real estate or owner-occupied properties.
Developers and builders seeking short-duration financing for residential or small commercial projects.
Public-sector and other institutional customers that place deposits and require collateralized funding arrangements.
Bogota Financial’s business is concentrated in the United States and appears to be centered on a local or regional...
Bogota Financial’s strategy is centered on managing interest-rate risk while preserving liquidity and capital in a...
The bank’s assets reprice differently from its deposit and borrowing base, so managing margin sensitivity is central to earnings stability.
Stable deposits lower funding costs and reduce dependence on wholesale borrowings during periods of deposit outflow or loan growth.
A more balanced loan mix reduces exposure to local real estate cycles and improves resilience in a community banking model.
Stronger capital supports regulatory compliance, funding confidence, and the ability to absorb credit or valuation shocks.
Bogota Financial faces the classic risks of a community savings institution: credit deterioration, deposit competition,...
The company’s assets, mainly loans and securities, have longer maturities than its deposits and borrowings, which can reduce earnings and capital when rates move sharply.
A large share of lending is tied to residential, commercial, and construction real estate, making the loan book sensitive to property-market weakness.
The bank depends on customer deposits and wholesale funding, so competition for deposits or deposit runoff can raise funding costs and reduce flexibility.
The company explicitly cites cyber risk against its own systems and those of vendors, which could disrupt service or expose customer data.
As a regulated savings institution, changes in banking rules, fees, or capital standards can affect profitability and growth capacity.
BVFL · Savings Institution, Federally Chartered
CLBK · Savings Institution, Federally Chartered
BYFC · Savings Institution, Federally Chartered
Broadway Financial Corp.
PDLB · Savings Institution, Federally Chartered
MGNO · Savings Institution, Federally Chartered
TRST · State Commercial Banks
TrustCo Bank Corp NY is a U.S.
: 11/08/2026