| Cash Flow | 2025-06-30 |
|---|---|
| Provision for credit losses | 133 |
| Income from cash surrender value of bank owned life insurance | -1,043 |
| Unrealized gain on equity securities | -13 |
| Gain on sale of loans held for sale | -51 |
| Net income (loss) | 5,136 |
| Depreciation | 910 |
| Deferred income tax benefit | -298 |
| Accretion of acquisition fair value adjustments, net | -4,257 |
| Amortization of core deposit intangible asset | 1,433 |
| Net amortization of premiums and discounts on securities | 731 |
| Net amortization of deferred loan fees, costs and discounts | 269 |
| Amortization of right to use asset | - |
| Stock-based compensation expense | 1,106 |
| Loss on sale of investments, net | - |
| Proceeds from sales of loans held for sale | 575 |
| Originations of loans held for sale | -524 |
| Gain on sale of premises and equipment | - |
| Noncash expense of common shares contributed to somerset regal bank charitable foundation | - |
| Accrued interest receivable | -555 |
| Other assets | 2,316 |
| Decrease in other liabilities | -1,203 |
| Net cash provided by (used in) operating activities | 4,665 |
| Proceeds from sales, maturities, and principal repayments of securities available-for-sale | - |
| Proceeds from maturities, calls and principal repayments of securities held-to-maturity | 14,001 |
| Proceeds from sale of securities available-for-sale | - |
| Proceeds from sale of time deposits in other financial institutions | - |
| Net increase in loans receivable | -61,324 |
| Purchase of premises and equipment | -433 |
| Proceeds from sale of premises and equipment | - |
| Purchase of restricted equity securities | -2,727 |
| Cash paid for acquistion | - |
| Cash received from acquisition | - |
| Net cash provided by (used in) investing activities | -50,483 |
| Net increase (decrease) in interest bearing deposits | 32,712 |
| Net increase (decrease) in non-interest bearing deposits | 6,081 |
| Net increase in advance payments by borrowers for taxes and insurance | 663 |
| Net increase in short-term borrowings | 30,000 |
| Repayment of short-term borrowings | - |
| Dividends paid | -444 |
| Cash proceeds from issuance of common stock | - |
| Repurchase of common stock | -11,324 |
| Net cash provided by (used in) financing activities | 57,688 |
| Net increase (decrease) in cash and cash equivalents | 11,870 |
| Cash and cash equivalents at beginning of period | 45,909 |
| Cash and cash equivalents at end of period | 57,779 |
SR Bancorp, Inc. (SRBK)
SR Bancorp, Inc. (SRBK)