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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
SR Bancorp
SR Bancorp (SRBK) investor relations material
SR Bancorp Q1 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2027 earnings summary12 Nov, 2026
Executive summary
Q1 FY2027 net income rose 54.1% YoY to $1.068M; loan growth supported higher interest income, while increased deposit costs lifted interest expense.
Assets rose 2.0% QoQ to $1.216B, led by $46.2M net loan growth; deposits increased $52.8M while borrowings fell $30.0M.
Financial highlights
Net interest income increased 9.3% YoY to $8.302M; provision for credit losses was $177K versus $171K, leaving $8.125M after provision.
Interest income rose 14.8% YoY to $13.7M and interest expense rose 24.3% to $5.4M; net income was $1.068M versus $693K.
Noninterest income increased 6.5% to $602K, including a $42K realized gain on loan sales; noninterest expense rose 2.9% to $7.297M.
Basic and diluted EPS were both $0.15, versus $0.09 YoY.
Outlook and guidance
Strategy remains focused on growing commercial and multifamily originations through broker relationships and competitive pricing in the primary market.
Management said liquidity sources were sufficient for short- and long-term needs; liquid assets were 6.1% of deposits against a 4%–15% target range.
Funding plans account for $270.5M of certificates of deposit due within one year; management expects a significant portion to remain and can adjust offered deposit rates.
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Latest events from SR Bancorp
- Three director elections and auditor ratification headline the annual meeting; related-party leases totaled $240,000.SRBK
Proxy filing - Net income fell on higher expenses and absence of one-time gains, but loan growth remained robust.SRBKQ4 2026
- Quarterly net income surged 65% year-over-year, driven by robust loan and deposit growth.SRBKQ3 2026
- Net income fell as expenses rose, but loan growth and strong capital supported asset expansion.SRBKQ2 2026
- Annual meeting to elect directors, ratify auditor, and review governance and compensation.SRBKProxy Filing
- Shareholders to vote on director elections, a new equity plan, and auditor ratification.SRBKProxy Filing
- Net income fell 49% year-over-year as higher expenses offset loan-driven asset growth.SRBKQ3 2025
- Net income fell, but asset and loan growth continued as expenses and share buybacks reduced equity.SRBKQ4 2025
- Returned to profitability in FY 2025 with strong loan growth and improved efficiency.SRBKQ2 2025
Next SR Bancorp earnings date
Q2 202726 Jan, 2027
SR Bancorp
Next SR Bancorp earnings date
Q2 202726 Jan, 2027
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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.