Here are the 10-Q quarterly 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-Q covers the quarterly report filed between annual reports, 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 results for the three and nine months ended March 31, 2026, showing steady balance sheet growth and continued profitability. Total assets reached $1.14 billion, up from $1.08 billion at June 30, 2025, driven mainly by net loans increasing to $859.1 million.
For the quarter, net income was $886,000 with basic and diluted earnings per share of $0.12. Net interest income was $7.8 million as interest income rose faster than funding costs. Nine‑month net income was $2.4 million, or $0.32 basic and $0.31 diluted earnings per share.
Deposits totaled $894.3 million, including $484.1 million in demand accounts. Uninsured deposits were $164.6 million. Asset quality remained strong, with no non‑accrual or collateral‑dependent loans and no charge‑offs, while the allowance for credit losses stood at $5.7 million on $862.3 million of loans. Capital levels were robust, with a Tier 1 leverage ratio of 14.26%, well above the 9.0% threshold under the community bank leverage framework.
SR Bancorp, Inc. reported lower profitability for the quarter while growing its balance sheet. For the three months ended December 31, 2025, net income was $834,000 versus $1.0 million a year earlier, with basic earnings per share of $0.11 compared with $0.12. For the six-month period, net income was $1.5 million versus $2.4 million and earnings per share were $0.20 versus $0.27.
Total assets increased to $1.14 billion from $1.08 billion at June 30, 2025, driven largely by loan growth to $835.4 million and higher cash and interest-bearing deposits. Deposits rose to $891.5 million and borrowings to $50.0 million. Credit quality remained strong, with only one $176,000 commercial and industrial loan on non-accrual at December 31, 2025 that was fully repaid in January 2026 and no charge-offs reported.
The allowance for credit losses stood at $5.6 million, and the bank’s Tier 1 leverage ratio was a robust 14.85%, keeping it in the "well capitalized" category. Stock repurchases and dividends reduced stockholders’ equity to $188.5 million, while share-based compensation and ESOP activity continued under the 2024 equity plan.