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SR Bancorp
SR Bancorp (SRBK) investor relations material
SR Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net income for the quarter was $834,000 ($0.11 per share), down 18.3% year-over-year; adjusted net income was $689,000, up from $452,000 after excluding acquisition-related accretion income.
Net income for the six months was $1.5 million ($0.20 per share), down 36.1% year-over-year; adjusted net income was $1.2 million, up from $1.1 million.
Financial highlights
Total assets grew 5.4% to $1.14 billion at December 31, 2025, from $1.08 billion at June 30, 2025.
Net loans increased 4.8% to $835.4 million; deposits rose 5.4% to $891.5 million.
Net interest income for the quarter rose 7.6% to $7.8 million; for six months, up 3.7% to $15.4 million.
Noninterest income for the quarter fell 7.3% to $581,000; noninterest expense rose 11.2% to $7.2 million.
Efficiency ratio increased to 86.4% for the quarter from 82.8% a year ago.
Outlook and guidance
Management notes forward-looking statements are subject to risks including economic conditions, interest rates, and competitive pressures.
Clarify core earnings trend excluding accretion
How was NIM improved despite rising deposit costs?
Assess credit risk with new NPL and higher provision
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Next SR Bancorp earnings date
Q2 202612 Feb, 2026
SR Bancorp
Next SR Bancorp earnings date
Q2 202612 Feb, 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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