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SR Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $693,000 ($0.09 per share), down 49.3% year-over-year, primarily due to lower accretion income and higher noninterest expense.
Adjusted net income excluding acquisition-related accretion was $475,000, compared to $627,000 in Q3 2024.
Total assets increased 2.4% to $1.11 billion from June 30, 2025, driven by strong loan growth and higher cash balances.
The loan portfolio grew 3.7% to $826.4 million, with commercial loans comprising 45.3% and residential mortgages 53.0% of total loans.
Financial highlights
Interest income rose 4.1% year-over-year to $11.9 million, mainly from higher loan balances despite lower yields.
Interest expense increased 12.1% to $4.3 million due to higher deposit and borrowing costs.
Net interest income was flat at $7.6 million; net interest margin declined to 3.05% from 3.21% year-over-year.
Noninterest income fell 29.5% to $565,000, mainly due to lower service charges and other income.
Noninterest expense increased 4.0% to $7.1 million, driven by higher salaries and stock-based compensation.
Provision for credit losses was $171,000, reflecting loan growth, compared to a $154,000 recovery in the prior year.
Outlook and guidance
Management plans to focus on expanding commercial lending and maintaining competitive deposit rates.
The company expects to maintain strong capital and liquidity positions, with no material impact anticipated from upcoming accounting standards.
Management highlights competitive pressures, interest rate environment, and economic conditions as key uncertainties.
What factors impacted core profitability YoY?
Impact of deposit rate hikes on NIM and funding?
How do cost savings offset compensation increase?
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Next SR Bancorp earnings date
Q2 202629 Jan, 2026
Next SR Bancorp earnings date
Q2 202629 Jan, 2026
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Frequently asked questions
SR Bancorp, Inc. is the holding company for Somerset Regal Bank, which provides a range of retail and commercial banking services. The company offers deposit products such as noninterest-bearing and interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. It also provides various loan services, including residential mortgage loans, home equity loans, lines of credit, unsecured personal loans, and rehabilitation loans. Additionally, SR Bancorp is involved in investment activities and offers bill payment services. The company primarily serves individuals, businesses, and municipalities in Somerset, Middlesex, Hunterdon, and Essex counties in New Jersey. The company is headquartered in Bound Brook, New Jersey, and its shares are listed on the NASDAQ.
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