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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.
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Q4 2025 earnings summary29 Sep, 2025

Executive summary

  • Completed mutual-to-stock conversion and acquired Regal Bancorp, expanding market presence and capabilities in New Jersey; total assets reached $1.08 billion, deposits $846.0 million, and equity $193.8 million as of June 30, 2025.

  • Net income for FY2025 was $5.1 million, a significant turnaround from a $10.9 million net loss in FY2024, driven by higher net interest income, lower noninterest expenses, and absence of prior year one-time charges.

  • The company repurchased 936,991 shares for $11.3 million and paid $444,000 in dividends; regulatory capital ratios remain strong, with the bank classified as "well capitalized."

Financial highlights

  • Net income increased to $5.1 million in FY2025 from a $10.9 million loss in FY2024; EPS was $0.61.

  • Net interest income rose slightly to $29.6 million, while net interest margin decreased to 2.93% from 3.19% year-over-year.

  • Loans receivable, net, grew 8.9% to $797.2 million, with residential mortgages and multi-family loans driving growth.

  • Deposits increased 4.8% to $846.0 million; borrowings rose to $30.0 million.

  • Allowance for credit losses was 0.67% of total loans, with no non-performing loans at year-end.

Outlook and guidance

  • Focus on expanding commercial and SBA lending, leveraging increased capital and diversified loan portfolio post-merger.

  • Plans to enhance technology offerings and grow core deposits, especially through commercial relationships.

  • Management expects continued loan growth and stable asset quality, with ongoing investment in digital banking and operational efficiency.

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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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