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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.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.
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