Risk factors
SR Bancorp (SRBK) risk factors
Item 1A of every SR Bancorp, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2026 10-K risk factors36 risks3 new1 dropped13 reworded
AI governance, fraud, and reputation threats receive new emphasis alongside community-bank cyber and compliance exposure.
Filed Sep 25, 2026 - FY2025 10-K risk factors34 risks2 new3 dropped6 reworded
The bank faces new risks from trade tariffs and third-party information security vulnerabilities.
Filed Sep 29, 2025 - FY2024 10-K risk factors35 risks
SR Bancorp faces integration and retention risks following its Regal Bank acquisition completed in September 2023. Real estate concentration in New Jersey counties represents $722.4 million or 98.3% of the loan portfolio. The adoption of the CECL accounting standard on July 1, 2023 impacts credit loss allowances.
Filed Oct 16, 2024