---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-189496"
form_type: "8-K"
ticker: "SRBK"
cik: "0001951276"
company_name: "SR Bancorp, Inc."
filed_at: "2024-07-31T23:59:59+00:00"
generated_at: "2026-05-31T14:33:23.436939+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# SR Bancorp reports FY2024 net loss of $10.9M; Q4 net loss $3.0M on securities sale

## Summary
- FY2024 net loss of $10.9M vs net income of $1.6M prior year; includes $4.4M merger costs, $5.4M charitable donation, $4.4M securities loss.
- Q4 FY2024 net loss of $3.0M vs Q3 net income of $1.1M; loss driven by $4.4M loss on securities sale.
- Total assets $1.02B (+56.7% YoY); loans $731.9M (+102%) due to Regal Bancorp acquisition.
- Balance sheet repositioning sold $35.4M securities, loss recouped in ~3.27 years via loan yields.
- IPO and merger with Regal Bancorp completed Sep 2023; 9.5M shares outstanding, $86.9M net proceeds.

## SEC filing metadata
- accession: 0001193125-24-189496
- form_type: 8-K
- ticker: SRBK
- cik: 0001951276
- company_name: SR Bancorp, Inc.
- filed_at: 2024-07-31T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1951276/000119312524189496/0001193125-24-189496-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1951276/000119312524189496/d874615d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-189496
- JSON: https://secwatch.observer/filing/0001193125-24-189496.json
- Plain text: https://secwatch.observer/filing/0001193125-24-189496.txt

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