SR Bancorp, Inc.

Proxy Statement and S&P Global Market Intelligence as of 9/30/25. Market information as of 11/14/25. *Includes 9.78% of the shares of common stock outstanding owned by the ESOP and the 401(k) Plan. 1) Tangible book value per share is calculated based on total stockholders’ equity, excluding intangible assets (goodwill and core deposit intangibles), divided by total shares outstanding as of the periods indicated. Goodwill and core deposit intangibles were $26,393 at Q1 2026. Book value and book value per share at Q1 2026 were $191,933 and $22.12, respectively. Dollars in thousands. Page 14

Tangible Book Value Growth 50.0% 53.5% 52.6% 51.3% 61.4% 64.6% 65.2% 72.3% 79.1% P/TBV $16.00 $19.50 $15.00 $19.00 $14.00 $13.00 $18.50 $12.00 $18.00 $11.00 $10.00 $17.50 $9.00 $8.00 $17.00 9/30/23 12/31/23 3/31/24 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 TBV Stock Price Source: S&P Global Market Intelligence. Page 15 Stock Price TBV

Creating Shareholder Value Since IPO – September 20, 2023 Price on 11/14/25 - $15.15 70.0% S&P 500 60.0% 53.0% 50.0% SRBK 51.5% 40.0% Nasdaq Bank 40.9% 30.0% KRX 32.5% 20.0% 10.0% 0.0% -10.0% -20.0% -30.0% SRBK (51.5%) Nasdaq Bank (40.9%) KBW Nasdaq Regional Bank (32.5%) S&P 500 (53.0%) Source: S&P Global Market Intelligence as of 11/14/25. Page 16

Charitable Foundation • Somerset Regal Bank has taken an active role in improving the quality of life for families and businesses in the communities we serve. • The Somerset Regal Charitable Foundation has strengthened our commitment to building a long-term partnership with the community while continuously supporting development in four primary areas: Health and Youth Affordable Human Education Programs Housing Services For 2025, the Foundation made 23 grants totaling $355,000 in donations. Page 17

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220 W. Union Avenue Bound Brook, NJ 08805 somersetregalbank.com