---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-060999"
form_type: "8-K"
ticker: "SRBK"
cik: "0001951276"
company_name: "SR Bancorp, Inc."
filed_at: "2025-04-30T23:59:59+00:00"
generated_at: "2026-05-23T02:45:32.375663+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-25-060999
- form_type: 8-K
- ticker: SRBK
- cik: 0001951276
- company_name: SR Bancorp, Inc.
- filed_at: 2025-04-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1951276/000095017025060999/0000950170-25-060999-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1951276/000095017025060999/srbk-20250430.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-060999
- JSON: https://secwatch.observer/filing/0000950170-25-060999.json
- Plain text: https://secwatch.observer/filing/0000950170-25-060999.txt

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