博哥塔金融公司（Bogota Financial Corp.）作为零售银行业的知名参与者，已发布其第三季度的 10-Q 报告。报告强调了财务表现的显著改善，并概述了公司面临的关键运营策略和挑战。以下部分提供了报告中财务和业务亮点的详细摘要。
财务亮点
<ul>
<li>总利息收入：3210 万美元，比去年增长 2.9%，主要由于利息收益资产的收益率提高。</li>
<li>净利息收入：1120 万美元，比去年增长 38.9%，得益于净利率差提高了 53 个基点。</li>
<li>净收入：140 万美元，相较于去年 120 万美元的净亏损有所改善，主要由于净利息收入增加和信用损失准备金减少。</li>
<li>每股收益 - 基本：0.11 美元，而去年每股亏损 0.10 美元，表明盈利能力改善。</li>
<li>每股收益 - 稀释：0.11 美元，而去年每股亏损 0.10 美元，反映出盈利能力的同样改善。</li>
</ul>
业务亮点
<ul>
<li>部门信息：博哥塔金融公司主要在零售银行领域运营，提供广泛的零售和商业银行服务。公司专注于发放住宅、商业和消费贷款，并接受新泽西州客户的存款。</li>
<li>贷款组合表现：公司净贷款减少 4250 万美元，或 6.0%，主要由于住宅房地产贷款和建筑贷款减少，反映出当前利率环境下的需求下降。</li>
<li>资产质量：逾期贷款增加至 2180 万美元，占总贷款的 3.2%，高于 2024 年底的 2.0%。这主要是由于一笔商业房地产贷款变为不计息贷款。</li>
<li>存款：存款增加 460 万美元，或 0.7%，存款证和储蓄账户显著上升，反映出公司保留高收益投资的策略。</li>
<li>借款：联邦住房贷款银行的借款减少 5280 万美元，或 30.6%，因为公司偿还了到期的预付款和借款。</li>
<li>运营策略：公司继续专注于通过现金流和公允价值对冲管理利率风险，这有效降低了利息支出。</li>
<li>未来展望：管理层预计由于经济条件和利率环境将面临持续挑战，但仍专注于战略举措以管理风险和优化运营表现。</li>
</ul>
SEC 文件：博哥塔金融公司 [ BSBK ] - 10-Q -2025 年 11 月 12 日

BSBK

Bogota Financial Corp. 发布了其第三季度的 SEC Form 10-Q 报告，显示出显著的财务改善。总利息收入上升至 3210 万美元，增长 2.9%，而净利息收入激增 38.9% 达到 1120 万美元。净收入从 120 万美元的亏损改善至 140 万美元。然而，净贷款减少了 6.0%，逾期贷款上升至总贷款的 3.2%。存款增加了 0.7%，借款减少了 30.6%。该公司旨在应对持续的经济挑战，管理利率风险

Bogota Financial Corp., a prominent player in the retail banking sector, has released its Form 10-Q report for the third quarter. The report highlights significant improvements in financial performance and outlines key operational strategies and challenges faced by the company. The following sections provide a detailed summary of the financial and business highlights from the report.
<div class="lb-trans">博哥塔金融公司（Bogota Financial Corp.）作为零售银行业的知名参与者，已发布其第三季度的 10-Q 报告。报告强调了财务表现的显著改善，并概述了公司面临的关键运营策略和挑战。以下部分提供了报告中财务和业务亮点的详细摘要。
</div>Financial Highlights
<div class="lb-trans">财务亮点
</div><ul>
<li>Total Interest Income: $32.1 million, reflecting a 2.9% increase from the previous year due to higher yields on interest-earning assets.</li>
<li>Net Interest Income: $11.2 million, a 38.9% increase from the previous year, driven by a 53 basis point increase in net interest rate spread.</li>
<li>Net Income: $1.4 million, an improvement from a net loss of $1.2 million in the prior year, primarily due to increased net interest income and a decrease in the provision for credit losses.</li>
<li>Earnings Per Share - Basic: $0.11, compared to a loss of $0.10 per share in the previous year, indicating improved profitability.</li>
<li>Earnings Per Share - Diluted: $0.11, compared to a loss of $0.10 per share in the previous year, reflecting the same improvement in profitability.</li>
</ul>
<div class="lb-trans"><ul>
<li>总利息收入：3210 万美元，比去年增长 2.9%，主要由于利息收益资产的收益率提高。</li>
<li>净利息收入：1120 万美元，比去年增长 38.9%，得益于净利率差提高了 53 个基点。</li>
<li>净收入：140 万美元，相较于去年 120 万美元的净亏损有所改善，主要由于净利息收入增加和信用损失准备金减少。</li>
<li>每股收益 - 基本：0.11 美元，而去年每股亏损 0.10 美元，表明盈利能力改善。</li>
<li>每股收益 - 稀释：0.11 美元，而去年每股亏损 0.10 美元，反映出盈利能力的同样改善。</li>
</ul>
</div>Business Highlights
<div class="lb-trans">业务亮点
</div><ul>
<li>Segment Information: Bogota Financial Corp. operates primarily in the retail banking segment, providing a broad range of retail and commercial banking services. The company focuses on originating residential, commercial, and consumer loans, and accepting deposits from customers in New Jersey.</li>
<li>Loan Portfolio Performance: The company experienced a decrease in net loans by $42.5 million, or 6.0%, primarily due to a reduction in residential real estate loans and construction loans, reflecting decreased demand in the current interest rate environment.</li>
<li>Asset Quality: Delinquent loans increased to $21.8 million, representing 3.2% of total loans, up from 2.0% at the end of 2024. This was mainly due to a single commercial real estate loan that became nonaccrual.</li>
<li>Deposits: Deposits increased by $4.6 million, or 0.7%, with a notable rise in certificates of deposit and savings accounts, reflecting the company's strategy to retain higher-yielding investments.</li>
<li>Borrowings: Federal Home Loan Bank borrowings decreased by $52.8 million, or 30.6%, as the company repaid advances and borrowings that matured during the period.</li>
<li>Operational Strategy: The company continues to focus on managing interest rate risk through the use of cash flow and fair value hedges, which have effectively reduced interest expenses.</li>
<li>Future Outlook: Management anticipates continued challenges due to economic conditions and interest rate environments but remains focused on strategic initiatives to manage risk and optimize operational performance.</li>
</ul>
<div class="lb-trans"><ul>
<li>部门信息：博哥塔金融公司主要在零售银行领域运营，提供广泛的零售和商业银行服务。公司专注于发放住宅、商业和消费贷款，并接受新泽西州客户的存款。</li>
<li>贷款组合表现：公司净贷款减少 4250 万美元，或 6.0%，主要由于住宅房地产贷款和建筑贷款减少，反映出当前利率环境下的需求下降。</li>
<li>资产质量：逾期贷款增加至 2180 万美元，占总贷款的 3.2%，高于 2024 年底的 2.0%。这主要是由于一笔商业房地产贷款变为不计息贷款。</li>
<li>存款：存款增加 460 万美元，或 0.7%，存款证和储蓄账户显著上升，反映出公司保留高收益投资的策略。</li>
<li>借款：联邦住房贷款银行的借款减少 5280 万美元，或 30.6%，因为公司偿还了到期的预付款和借款。</li>
<li>运营策略：公司继续专注于通过现金流和公允价值对冲管理利率风险，这有效降低了利息支出。</li>
<li>未来展望：管理层预计由于经济条件和利率环境将面临持续挑战，但仍专注于战略举措以管理风险和优化运营表现。</li>
</ul>
</div>SEC Filing: Bogota Financial Corp. [ BSBK ] - 10-Q - Nov. 12, 2025
<div class="lb-trans">SEC 文件：博哥塔金融公司 [ BSBK ] - 10-Q -2025 年 11 月 12 日
</div>

Bogota Financial Corp. 美国证券交易委员会 10-Q 报告