---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-033517"
form_type: "8-K"
ticker: "SRBK"
cik: "0001951276"
company_name: "SR Bancorp, Inc."
filed_at: "2026-10-26T20:00:48+00:00"
generated_at: "2026-10-26T20:02:09.118662+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# SR Bancorp Q1 net income up 54.1% to $1.1M ($0.15/sh); loans +5.1% and deposits +5.7% from June 30

## Summary
- Net income $1.1M, or $0.15 per basic and diluted share, vs $693K ($0.09) a year earlier; excluding $47K net accretion income, net income would have been $1.0M.
- Net interest income rose 9.3% to $8.3M; net interest margin slipped 2 bp to 3.03% while the net interest rate spread edged up 1 bp to 2.57%.
- Total assets $1.22B (+2.0% from June 30); net loans $947.4M (+5.1%) on $32.3M commercial and $13.9M residential growth; deposits $979.2M (+5.7%).
- Raised $50.0M of brokered CDs in the quarter and cut borrowings to $35.0M from $65.0M; uninsured deposits were $193.9M, or 19.8% of total.
- Provision for credit losses $177K with no charge-offs or non-performing loans; ACL 0.64% of loans; repurchased 17,127 shares for $328K.

## SEC filing metadata
- accession: 0001437749-26-033517
- form_type: 8-K
- ticker: SRBK
- cik: 0001951276
- company_name: SR Bancorp, Inc.
- filed_at: 2026-10-26T20:00:48+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1951276/000143774926033517/0001437749-26-033517-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1951276/000143774926033517/srbk20260921c_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-033517
- JSON: https://secwatch.observer/filing/0001437749-26-033517.json
- Plain text: https://secwatch.observer/filing/0001437749-26-033517.txt

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