Bogota Financial Corp. is a bank holding company that owns Bogota Savings Bank, a New Jersey-chartered savings bank serving individual depositors, small businesses, and municipalities across northern New Jersey through multiple branch offices. The bank generates revenue primarily through residential and commercial real estate lending, using customer deposits and borrowings from the Federal Home Loan Bank to fund its loan portfolio, which includes one- to four-family mortgages, commercial and multi-family real estate loans, construction financing, and smaller commercial and consumer credit products. The bank competes with larger regional and national banking institutions in its local market and maintains capital levels that meet federal regulatory standards for well-capitalized institutions.