---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-024660"
form_type: "8-K"
ticker: "SRBK"
cik: "0001951276"
company_name: "SR Bancorp, Inc."
filed_at: "2026-07-28T20:00:38+00:00"
generated_at: "2026-07-28T20:02:12.138974+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SR Bancorp reports Q4 net income $940K, down 57%; full year $3.4M

## Summary
- Net income Q4 $940K ($0.13/sh) vs $2.2M ($0.28/sh) YoY; full year $3.4M ($0.45/sh) vs $5.1M.
- Adjusted net income Q4 $867K vs $412K; full year $2.8M vs $1.6M (excl fair value accretion and life insurance proceeds).
- Total assets $1.19B (+9.7%), net loans $901.2M (+13.0%), deposits $926.4M (+9.5%).
- No non-performing loans; allowance for credit losses 0.65% of loans.
- Repurchased 978,778 shares for $16.0M during fiscal year; equity decreased $12M to $181.8M.

## SEC filing metadata
- accession: 0001437749-26-024660
- form_type: 8-K
- ticker: SRBK
- cik: 0001951276
- company_name: SR Bancorp, Inc.
- filed_at: 2026-07-28T20:00:38+00:00
- event_type: earnings
- sentiment: negative
- 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/1951276/000143774926024660/0001437749-26-024660-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1951276/000143774926024660/srbk20260331_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024660
- JSON: https://secwatch.observer/filing/0001437749-26-024660.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024660.txt

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