SR Bancorp Q3 net income falls 49.5% to $537K; nine-month earnings swing to $2.9M

SR Bancorp, Inc.

2025-Q3 EPS reported $0.34

Net income of $537K ($0.06/sh) for Q3 FY2025 vs $1.1M in prior year; ex-accretion income was $124K.
Nine-month net income $2.9M ($0.34/sh) vs $7.8M net loss year ago; benefited from absence of $5.4M charitable contribution and merger costs.
Net loans $780.8M (+6.7% from June 30, 2024); total assets $1.07B; deposits $835.6M (+3.5%).
Net interest margin fell 49bps to 2.82% for Q3; net interest income down 13.1% YoY to $7.2M.
No non-performing loans at March 31, 2025; allowance for credit losses at 0.65% of loans.

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