---
schema_version: "secwatch.filing_event.v1"
accession: "0000943374-25-000038"
form_type: "8-K"
ticker: "SRBK"
cik: "0001951276"
company_name: "SR Bancorp, Inc."
filed_at: "2025-01-31T23:59:59+00:00"
generated_at: "2026-05-27T04:51:53.003622+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# SR Bancorp Q2 net income falls 36.5% to $1.0M; loans grow 6%, no non-performers

## Summary
- Q2 FY2025 net income $1.0M ($0.12 EPS), down from $1.6M YoY; adjusted net income $452K vs $605K.
- Net interest margin compressed 68 bps to 2.88%; net interest income fell 19.7% to $7.2M.
- Six-month net income $2.4M ($0.27 EPS) vs net loss $8.9M prior year; ex-items $1.1M vs $1.2M.
- Loans grew 6.0% to $775.8M; deposits up 2.1% to $824.1M; no non-performing loans at Dec 31, 2024.
- Repurchased 347K shares for $3.9M during six months; borrowed $30M from FHLB NY for liquidity.

## SEC filing metadata
- accession: 0000943374-25-000038
- form_type: 8-K
- ticker: SRBK
- cik: 0001951276
- company_name: SR Bancorp, Inc.
- filed_at: 2025-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1951276/000094337425000038/0000943374-25-000038-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1951276/000094337425000038/form8k_013125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-25-000038
- JSON: https://secwatch.observer/filing/0000943374-25-000038.json
- Plain text: https://secwatch.observer/filing/0000943374-25-000038.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.