Here are the 10-K annual reports from SR Bancorp, Inc. (SRBK) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow SRBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SRBK filings page.
SR Bancorp, Inc. reported total assets of $1.19 billion, deposits of $926.4 million and stockholders’ equity of $181.8 million at June 30, 2026. Its primary business is ownership of Somerset Regal Bank, which operates 14 branches in northern and central New Jersey. The Bank had $65.0 million of Federal Home Loan Bank of New York borrowings, compared with $30.0 million at June 30, 2025.
Total loans were $904.5 million; residential mortgage loans represented 52.6% and commercial loans 45.7% of the loan portfolio. The Bank reported no non-performing assets at June 30, 2026, and was classified as “well capitalized” under prompt corrective action standards, exceeding each capital requirement. Its held-to-maturity securities had amortized cost of $131.2 million and fair value of $113.6 million. Uninsured deposits were $191.6 million at June 30, 2026, compared with $145.3 million at June 30, 2025.
SR Bancorp, Inc. (SRBK) completed a merger on September 19, 2023 and recorded acquisition accounting under ASC 805. Upon completion of a conversion and offering, 9,507,930 shares of common stock were outstanding. The company finalized purchase accounting adjustments by June 30, 2024, reducing goodwill slightly from $20.5 million to $20.4 million and recording a core deposit intangible of $9.1 million.
The filing describes the firm as a single operating segment with the CEO as the chief operating decision maker using consolidated net income to assess performance. Key policy notes include measurement of net interest-earning assets and net interest margin, fair-value adjustments to loans and time deposits related to the acquisition, lease terms of five to ten years (excluding short-term leases), and standard disclosures on investment securities, deposits, borrowings, benefit plans, income taxes, and regulatory capital. As of June 30, 2025, the company reported 8,875,170 and 9,507,930 shares issued and outstanding (two figures appear in the text), and 266,286 shares available for future equity grants.