---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-258476"
form_type: "8-K"
ticker: "SRBK"
cik: "0001951276"
company_name: "SR Bancorp, Inc."
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:26:02.716882+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# SR Bancorp posts Q1 fiscal 2026 net income of $693K, down 49% YoY; EPS $0.09

## Summary
- Net income $693K ($0.09 diluted EPS) vs $1.4M in prior-year quarter; adjusted net income $475K excluding $303K acquisition accretion.
- Total loans grew 3.7% to $826.4M led by residential mortgage ($12.5M) and commercial ($16.0M); deposits up 2.8% to $869.6M.
- Net interest margin compressed 16 bps to 3.05%; provision for credit losses of $171K vs recovery of $154K a year ago.
- Noninterest income fell 29.5% to $565K; noninterest expense rose 4% to $7.1M due to stock-based compensation.
- Company repurchased 198,310 shares for $2.9M during the quarter; no non-performing loans at Sep 30, 2025.

## SEC filing metadata
- accession: 0001193125-25-258476
- form_type: 8-K
- ticker: SRBK
- cik: 0001951276
- company_name: SR Bancorp, Inc.
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1951276/000119312525258476/0001193125-25-258476-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1951276/000119312525258476/srbk-20251030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-258476
- JSON: https://secwatch.observer/filing/0001193125-25-258476.json
- Plain text: https://secwatch.observer/filing/0001193125-25-258476.txt

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