<SEC-DOCUMENT>0000943374-25-000313.txt : 20250630
<SEC-HEADER>0000943374-25-000313.hdr.sgml : 20250630
<ACCEPTANCE-DATETIME>20250630140328
ACCESSION NUMBER:		0000943374-25-000313
CONFORMED SUBMISSION TYPE:	11-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250630
DATE AS OF CHANGE:		20250630

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SR Bancorp, Inc.
		CENTRAL INDEX KEY:			0001951276
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		11-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-41808
		FILM NUMBER:		251090914

	BUSINESS ADDRESS:	
		STREET 1:		220 WEST UNION AVENUE
		CITY:			BOUND BROOK
		STATE:			NJ
		ZIP:			08805
		BUSINESS PHONE:		(732) 560-1700

	MAIL ADDRESS:	
		STREET 1:		220 WEST UNION AVENUE
		CITY:			BOUND BROOK
		STATE:			NJ
		ZIP:			08805
</SEC-HEADER>
<DOCUMENT>
<TYPE>11-K
<SEQUENCE>1
<FILENAME>form11k_2024.htm
<DESCRIPTION>SR BANCORP, INC. FORM 11-K DECEMBER 31, 2024
<TEXT>
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    <div style="text-align: center; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-weight: bold;">WASHINGTON, D.C. 20549</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">FORM 11-K</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS</div>
    <div style="text-align: center; font-weight: bold;">AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z2f562b73ac0e435cbfc63d4669f6ef15" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <div>ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.</div>
          </td>
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    <div><br>
    </div>
    <div style="text-align: justify;">For the fiscal year ended <u>December 31, 2024</u></div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">OR</div>
    <div><br>
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          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; text-align: center;">&#9744;</td>
          <td style="width: auto; vertical-align: top;">
            <div>TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.</div>
          </td>
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    <div><br>
    </div>
    <div>For the transition period from _______________ to _______________</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">Commission File Number <u>001-41808</u></div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">A.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>Full title of the plan and the address of the plan, if different from that of the issuer named below:</div>
    <div><br>
    </div>
    <div style="text-align: center;">Somerset Regal Bank 401(k) Savings and Investment Plan</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">B:<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>Name of issuer of the securities held pursuant to the plan and the address of its
      principal executive office:</div>
    <div><br>
    </div>
    <div style="text-align: center;">SR Bancorp, Inc.</div>
    <div style="text-align: center;">220 West Union Avenue</div>
    <div style="text-align: center;">Bound Brook, New Jersey 08805</div>
    <div><br>
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            <td style="width: 100%; vertical-align: middle;">
              <div style="text-align: center; font-size: 18pt; font-weight: bold;">Somerset Regal Bank 401(k)<br>
                Retirement Plan</div>
              <div style="text-align: center; font-size: 14pt;">Financial Statements and<br>
                Supplementary Information</div>
              <div style="text-align: center; font-size: 14pt;">December&#160;31, 2024 and 2023</div>
            </td>
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        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Table of Contents</div>
        <div>December&#160;31, 2024 and 2023</div>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z03f355102e514806a4130e1a6d72dcc9" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <td style="width: 80.29%; vertical-align: top;" rowspan="1">&#160;</td>
              <td style="width: 19.71%; vertical-align: top; text-align: center;" rowspan="1">&#160;<u><font style="font-weight: bold;">Page</font></u></td>
            </tr>
            <tr>
              <td style="width: 80.29%; vertical-align: top;">
                <div style="margin-right: 39.6pt; font-weight: bold;">Report of Independent Registered Public Accounting Firm</div>
                <div style="margin-right: 39.6pt; font-weight: bold;"> <br>
                </div>
              </td>
              <td style="width: 19.71%; vertical-align: top;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 80.29%; vertical-align: top;">
                <div style="margin-right: 39.6pt; font-weight: bold;">Financial Statements</div>
                <div style="margin-right: 39.6pt; font-weight: bold;"> <br>
                </div>
              </td>
              <td style="width: 19.71%; vertical-align: top; text-align: center;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 80.29%; vertical-align: top;">
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;">Statements of Net Assets Available for Benefits</div>
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;"> <br>
                </div>
              </td>
              <td style="width: 19.71%; vertical-align: top;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">4<br>
                </div>
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              <td style="width: 80.29%; vertical-align: top;">
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;">Statement of Changes in Net Assets Available for Benefits</div>
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;"> <br>
                </div>
              </td>
              <td style="width: 19.71%; vertical-align: top;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">5<br>
                </div>
              </td>
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            <tr>
              <td style="width: 80.29%; vertical-align: top;">
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;">Notes to Financial Statements</div>
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;"> <br>
                </div>
              </td>
              <td style="width: 19.71%; vertical-align: top;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">6<br>
                </div>
              </td>
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              <td style="width: 80.29%; vertical-align: top;">
                <div style="margin-right: 39.6pt; font-weight: bold;">Supplemental Information</div>
                <div style="margin-right: 39.6pt; font-weight: bold;"> <br>
                </div>
              </td>
              <td style="width: 19.71%; vertical-align: top; text-align: center;">&#160;</td>
            </tr>
            <tr>
              <td style="width: 80.29%; vertical-align: top;">
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;">Schedule H, Line 4(i)&#160;-&#160;Schedule of Assets (Held at End of Year)</div>
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;"> <br>
                </div>
              </td>
              <td style="width: 19.71%; vertical-align: top;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">13</div>
              </td>
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              <td style="width: 80.29%; vertical-align: top;">
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;">Schedule H, Line 4(a)&#160;-&#160;Schedule of Delinquent Participant Contributions</div>
                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;"> <br>
                </div>
              </td>
              <td style="width: 19.71%; vertical-align: top;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">14</div>
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                <div style="margin-right: 39.6pt; font-weight: bold;">Exhibit:</div>
                <div style="margin-right: 39.6pt; font-weight: bold;"> <br>
                </div>
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              <td style="width: 19.71%; vertical-align: top; text-align: center;">&#160;</td>
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                <div style="margin-right: 57.6pt; font-family: 'Times New Roman',Times,serif; margin-left: 9pt;">Consent of Independent Registered Public Accounting Firm</div>
              </td>
              <td style="width: 19.71%; vertical-align: top;">
                <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">Exhibit 23.1<br>
                </div>
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                  <div><img width="233" height="37" src="image0.jpg"></div>
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                <td style="width: 50%; vertical-align: top; padding-left: 5px; padding-right: 5px;">
                  <div style="font-weight: bold; margin-left: 333pt;">EisnerAmper LLP</div>
                  <div style="font-size: 8pt; margin-left: 333pt;">111 Wood Avenue South</div>
                  <div style="font-size: 8pt; margin-left: 333pt;">Iselin, NJ 08830-2700</div>
                  <div style="font-size: 8pt; margin-left: 333pt;"><font style="font-weight: bold;">T </font>732.243.7000</div>
                  <div style="font-size: 8pt; margin-left: 333pt;"><font style="font-weight: bold;">F </font>732.951.7400</div>
                  <div style="margin-left: 333pt;">www.eisneramper.com</div>
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          <div>
            <div style="text-align: justify; font-weight: bold;"> <br>
            </div>
            <div style="text-align: justify; font-weight: bold;">INDEPENDENT AUDITOR&#8217;S REPORT</div>
          </div>
          <div>
            <div><br>
            </div>
          </div>
          <div>
            <div style="text-align: justify;">To the Plan Administrator, Participants and Beneficiaries</div>
            <div style="text-align: justify;">of the&#160;Somerset Regal Bank 401(k) Retirement Plan</div>
          </div>
          <div>
            <div><br>
            </div>
          </div>
          <div>
            <div style="text-align: justify; font-style: italic; font-weight: bold;">Opinion</div>
          </div>
          <div>
            <div><br>
            </div>
          </div>
          <div style="text-align: justify;">We have audited the financial statements of the&#160;Somerset Regal Bank 401(k) Retirement Plan (the &#8220;Plan&#8221;),&#160; an employee benefit plan subject to the Employee Retirement Income Security Act of 1974 (&#8220;ERISA&#8221;), which
            comprise the statements of net assets available for benefits as of December 31, 2024 and 2023, the related statement of changes in net assets available for benefits for the year ended December 31, 2024, and the related notes to the financial
            statements</div>
          <div>
            <div><br>
            </div>
            <div style="text-align: justify;">In our opinion, the accompanying financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2024 and 2023, and the changes in its net
              assets available for benefits for the year ended December 31, 2024, in accordance with accounting principles generally accepted in the United States of America.</div>
          </div>
          <div>
            <div><br>
            </div>
          </div>
          <div>
            <div style="text-align: justify; font-style: italic; font-weight: bold;">Basis for Opinion</div>
          </div>
          <div>
            <div><br>
            </div>
          </div>
          <div style="text-align: justify;">We conducted our audits in accordance with auditing standards generally accepted in the United States of America (&#8220;GAAS&#8221;). Our responsibilities under those standards are further described in the Auditors&#8217;
            Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Plan and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements relating to our
            audits. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.</div>
          <div>
            <div><br>
            </div>
            <div style="text-align: justify; font-style: italic; font-weight: bold;">Responsibilities of Management for the Financial Statements</div>
            <div><br>
            </div>
          </div>
          <div style="text-align: justify;">Management is responsible for the preparation and fair presentation of the financial statements in accordance with accounting principles generally accepted in the United States of America, and for the design,
            implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error.</div>
          <div>
            <div><br>
            </div>
          </div>
          <div style="text-align: justify;">In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the Plan&#8217;s ability to continue as
            a going concern for one year after the date that the financial statements are issued.</div>
          <div>
            <div><br>
            </div>
          </div>
          <div style="text-align: justify;">Management is also responsible for maintaining a current Plan instrument, including all Plan amendments, administering the Plan, and determining that the Plan&#8217;s transactions that are presented and disclosed in
            the financial statements are in conformity with the Plan&#8217;s provisions, including maintaining sufficient records with respect to each of the participants, to determine the benefits due or which may become due to such participants.</div>
          <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
            <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">1</font></div>
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          <div><br>
          </div>
          <div>
            <div style="text-align: justify; font-style: italic; font-weight: bold;">Auditors&#8217; Responsibilities for the Audit of the Financial Statements</div>
            <div><br>
            </div>
          </div>
          <div style="text-align: justify;">Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditors&#8217; report that
            includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in accordance with GAAS will always detect a material misstatement when it exists.
            The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control.
            Misstatements are considered material if, there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a reasonable user based on the financial statements.</div>
          <div><br>
          </div>
          <div style="text-align: justify;">In performing an audit in accordance with GAAS, we:</div>
          <div><br>
          </div>
          <div>
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                    <div style="text-align: left; margin-left: 18pt;">&#8226;</div>
                  </td>
                  <td style="width: auto; vertical-align: top;">
                    <div style="text-align: justify;">Exercise professional judgment and maintain professional skepticism throughout the audit.</div>
                  </td>
                </tr>

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          </div>
          <div><br>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" id="zc429a727c8b940689bc9e847591b8775" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                  <td style="width: 36pt; vertical-align: top; text-align: right;">
                    <div style="text-align: left; margin-left: 18pt;">&#8226;</div>
                  </td>
                  <td style="width: auto; vertical-align: top;">
                    <div style="text-align: justify;">Identify and asses the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures responsive to those risks. Such procedures
                      include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.</div>
                  </td>
                </tr>

            </table>
          </div>
          <div><br>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" id="zad36a00f97c847a0a111b081f3bd900c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                  <td style="width: 36pt; vertical-align: top; text-align: right;">
                    <div style="text-align: left; margin-left: 18pt;">&#8226;</div>
                  </td>
                  <td style="width: auto; vertical-align: top;">
                    <div style="text-align: justify;">Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the
                      effectiveness of the Plan&#8217;s internal control. Accordingly, no such opinion is expressed.</div>
                  </td>
                </tr>

            </table>
          </div>
          <div><br>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" id="zc4f54853de034f849876365e7cbbd5fa" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                  <td style="width: 36pt; vertical-align: top; text-align: right;">
                    <div style="text-align: left; margin-left: 18pt;">&#8226;</div>
                  </td>
                  <td style="width: auto; vertical-align: top;">
                    <div style="text-align: justify;">Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the overall presentation of the financial
                      statements.</div>
                  </td>
                </tr>

            </table>
          </div>
          <div><br>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" id="z4b13f951f6e449ef9aef1d493cfee728" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

                <tr>
                  <td style="width: 36pt; vertical-align: top; text-align: right;">
                    <div style="text-align: left; margin-left: 18pt;">&#8226;</div>
                  </td>
                  <td style="width: auto; vertical-align: top;">
                    <div style="text-align: justify;">Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Plan&#8217;s ability to continue as a going concern for a reasonable
                      period of time.</div>
                  </td>
                </tr>

            </table>
          </div>
          <div><br>
          </div>
          <div style="text-align: justify;">We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit, significant audit findings, and certain internal control-related
            matters that we identified during the audit.</div>
          <div>
            <div><br>
            </div>
            <div style="text-align: justify; font-style: italic; font-weight: bold;">Other Matter</div>
            <div><br>
            </div>
            <div style="text-align: justify; font-style: italic; font-weight: bold;">Supplemental Schedules Required by ERISA</div>
          </div>
          <div>
            <div><br>
            </div>
          </div>
          <div style="text-align: justify;">Our audits were conducted for the purpose of forming an opinion on the financial statements as a whole. The supplemental schedules of assets held as of December 31, 2024 and of delinquent contributions for the
            year ended December 31, 2024 are presented for purposes of additional analysis and are not a required part of the financial statements but are supplementary information required by the Department of Labor&#8217;s Rules and Regulations for Reporting
            and Disclosure under ERISA. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the financial statements. The information has been
            subjected to the auditing procedures applied in the audits of the financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to
            prepare the financial statements or to the financial statements themselves, and other additional procedures in accordance with GAAS.</div>
          <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
            <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">2</font></div>
            <div class="BRPFPageBreak" style="page-break-after: always;">
              <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
          </div>
          <div><br>
          </div>
          <div>
            <div><br>
            </div>
          </div>
          <div>In forming our opinion on the supplemental schedules, we evaluated whether the supplemental schedules, including their form and content, are presented in conformity with the Department of Labor&#8217;s Rules and Regulations for Reporting and
            Disclosure under ERISA.</div>
          <div>
            <div><br>
            </div>
          </div>
          <div>In our opinion, the information in the accompanying schedules is fairly stated, in all material respects, in relation to the financial statements as a whole, and the form and content are presented in conformity with the Department of Labor&#8217;s
            Rules and Regulations for Reporting and Disclosure under ERISA.</div>
          <div>
            <div><br>
            </div>
          </div>
          <div style="margin-top: 0.3pt;"><br>
          </div>
          <div style="margin-left: 5.05pt;"><img width="210" height="39" src="image1.jpg"></div>
          <div>
            <div><br>
            </div>
            <div><br>
            </div>
          </div>
          <div>
            <div style="text-align: justify;">EISNERAMPER LLP</div>
            <div style="text-align: justify;">Iselin, New Jersey</div>
            <div style="text-align: justify;">June 27, 2025</div>
          </div>
          <div><br>
          </div>
        </div>
        <div><br>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">3</font></div>
          <div style="page-break-after: always;" class="BRPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <div>
          <div>
            <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
          </div>
          <div>Statements of Net Assets Available for Benefits</div>
          <div>December&#160;31, 2024 and 2023</div>
        </div>
        <div><br>
        </div>
        <br>
      </div>
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          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="font-weight: bold;">Assets</div>
            </td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: center;">2024</div>
            </td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: center;">2023</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Investments at fair value</div>
            </td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;$&#160;&#160; 16,457,076</div>
            </td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160;&#160; 13,212,695</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Notes receivable from participants</div>
            </td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;134,055</div>
            </td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;113,768</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Contribution Receivable:</div>
            </td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom;">
              <div style="font-family: 'Times New Roman',Times,serif; margin-left: 9pt;">&#160;&#160;&#160;&#160;&#160;Employer</div>
            </td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
            </td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,547</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="font-family: 'Times New Roman',Times,serif; margin-left: 9pt;">&#160;&#160;&#160;&#160;&#160;Participants</div>
            </td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
            </td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,769</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom; text-align: right;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 58.36%; vertical-align: bottom; padding-bottom: 4px;">
              <div style="text-indent: 50pt;">Net assets available for benefits</div>
            </td>
            <td nowrap="nowrap" style="width: 2.44%; vertical-align: bottom; padding-bottom: 4px;">&#160;</td>
            <td nowrap="nowrap" style="width: 18.4%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;$&#160;&#160; 16,591,131</div>
            </td>
            <td nowrap="nowrap" style="width: 2%; vertical-align: bottom; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td nowrap="nowrap" style="width: 18.79%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160;&#160; 13,345,779</div>
            </td>
          </tr>

      </table>
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      </div>
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      <div><br>
      </div>
      <div style="text-align: center; font-style: italic;">See notes to financial statements</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">4</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div>
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Statement of Changes in Net Assets Available for Benefits</div>
        <div>Year Ended December&#160;31, 2024</div>
      </div>
      <br>
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          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
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            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
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          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
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            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 20pt;">Net appreciation in fair value of investments</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;$&#160; &#160;&#160; 1,538,594</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
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            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;555,097</div>
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          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 50pt;">Total investment income</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,093,691</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Interest income on notes receivable from participants</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,475</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Contributions:</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 20pt;">Participants</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;698,077</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 20pt;">Employer</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;263,016</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 20pt;">Rollovers</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,084,529</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 50pt;">Total contributions</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,045,622</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 50pt;">Total additions</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,149,788</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="font-weight: bold;">Deductions</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Benefits paid to participants</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;858,368</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Administrative fees</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;46,068</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 50pt;">Total deductions</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;904,436</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 50pt;">Net increase</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,245,352</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="font-weight: bold;">Net Assets Available for Benefits</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Beginning of year</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;13,345,779</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">End of year</div>
            </td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;$&#160;&#160; 16,591,131</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 77.49%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.74%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 19.77%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center; font-style: italic;">See notes to financial statements</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">5</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div>
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Notes to Financial Statements</div>
        <div style="margin-bottom: 18pt;">December 31, 2024 and 2023</div>
      </div>
      <table cellspacing="0" cellpadding="0" id="z6f9e41c539214d72b161d57893de7f48" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

          <tr>
            <td style="width: 18pt; vertical-align: top; font-weight: bold;">1.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-weight: bold;">Description of the Plan</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">The following brief description of the Somerset Regal Bank 401(k) Retirement Plan (the&#160;Plan) is provided for general information purposes only. Participants should refer to the
        plan document for a more complete description of the Plan's provisions.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt; font-weight: bold;">General</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">The Plan, which was established by Somerset Regal Bank (the Bank, formerly known as Somerset Savings Bank, SLA), on January&#160;1, 1984, is&#160;a voluntary defined contribution plan
        which covers all eligible employees who have elected to participate.&#160; Employees are eligible to participate in the plan effective as of the first day of the month following their attainment of age 21 and six months of service. The Plan is subject
        to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). The Plan's 401(k) Committee is responsible for oversight of the Plan. This committee determines the appropriateness of the Plan's investment offerings, monitors
        investment performance and reports to the Bank.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt; font-weight: bold;">Contributions</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Each year, active participants may make voluntary contributions in an amount equal to not less than&#160;2% of the participant's eligible compensation during a plan year, as defined
        in&#160;the plan document, up to the maximum limits of the Internal Revenue Code (IRC). The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled at 2% unless an election is made otherwise.
        Effective January 1, 2025, all newly eligible employees are automatically enrolled at 3% unless an election is made otherwise. The Plan also includes an&#160;automatic escalation feature. Salary deferral contributions will be automatically increased by
        1% on January&#160;1 of each year until they reach a 10% salary deferral contribution rate, unless an election is made otherwise. Such contributions may not exceed $23,000 during calendar year ended December 31, 2024. Employees 50 years of age&#160;or older
        who have deferred the maximum amount of $23,000, may make additional catch-up contributions, not to exceed $7,500 for the year ended December 31, 2024. Participants may also contribute amounts representing distributions from other qualified defined
        benefit or defined contribution plans (rollover). The Bank contributes 3% of eligible compensation as a safe harbor contribution.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt; font-weight: bold;">Participant Accounts</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Each participant's account is credited with the participant's contribution and allocations of (a)&#160;the&#160;Bank's safe harbor contribution and (b) the Plan's earnings, and charged
        with an allocation of&#160;administrative expenses paid by the Plan. Allocations are based on participant earnings or account balances, or&#160;specific participant transactions, as defined. The benefit to which a participant is entitled is the&#160;benefit that
        can be provided from the participant's vested account.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt; font-weight: bold;">Vesting</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Participants are vested immediately in their contributions and the Bank's contributions plus actual earnings thereon regardless of periods of service.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Notes Receivable From Participants</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">Participants may borrow from their accounts a minimum of $1,000 up to a maximum amount equal&#160;to&#160;the lesser of $50,000 reduced by the highest outstanding loan balance during the
        one-year period&#160;ending on the day before the date the loan is granted, or 50% of the amount to which the participant would be vested under this Plan had the participant's employment with the&#160;Bank&#160;been terminated on the date the loan is granted. The
        loans are secured by the balance in the participant's account and bear interest at rates that range from 4.25% to 10.00% at December&#160;31, 2024 and from 4.25% to 9.50% at December 31, 2023, which are commensurate with local prevailing rates as
        determined by the plan administrator. Interest on the loan will be based on the rates available for similar</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">6</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="margin-bottom: 10pt;">
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Notes to Financial Statements</div>
        <div style="margin-bottom: 18pt;">December 31, 2024 and 2023</div>
      </div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">loans from commercial lending institutions. Principal and interest is paid ratably through bi-weekly payroll deductions. The loan and accrued interest shall be repaid over a
        term of not more than five years, unless the purpose of the loan is for the purchase of a primary residence. In such case, the loan term may exceed five years. Loan transactions are treated as transfers between investment funds and notes receivable
        from participants.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Payment of Benefits</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">On termination of service, due to death, disability, retirement or other reasons, participants may request payment of their vested account in a lump sum or may defer payment
        until reaching age 70&#189;.&#160; Effective January 1, 2025, the age requirement for a lump sum payment request had been increased from 70 &#189; to 72 years. In addition, participants may withdraw part of their vested interest in their elective contribution
        accounts at age 59 &#189;. Distributions may be made either in cash, subject to applicable income tax withholding requirements, or rolled over to another qualified plan or individual retirement account. In addition, the Plan allows for hardship
        distributions if certain criteria are met.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Forfeitures</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">Forfeited accounts totaled $0 and $0 at December&#160;31, 2024 and 2023, respectively. Forfeitures will be used to reduce future Bank contributions.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="ze678381a9535411a9e3fc4d18fe5f83d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt;">

          <tr>
            <td style="width: 18pt; vertical-align: top; font-weight: bold;">2.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-weight: bold;">Summary of Significant Accounting Policies</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Basis of Accounting</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">The financial statements of the Plan are prepared on the accrual basis of accounting in accordance with accounting principles generally accepted in the United States of America
        (&#8220;U.S. GAAP&#8221;).</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Use of Estimates</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">The preparation of financial statements in conformity with U.S. GAAP require management to make estimates and assumptions that affect the reported amounts of assets and
        liabilities and changes therein, and disclosure of contingent assets and liabilities. Actual results could differ from those estimates.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Investment Valuation and Income Recognition</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">Investments are reported at fair value. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market
        participants at the measurement date. See Note&#160;3 for a discussion of fair value measurements.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Net
        (depreciation) appreciation includes the Plan's net gains and losses on investments bought and sold as well as held during the year.</div>
      <div style="margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Notes Receivable From Participants</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest. Related fees are recorded as administrative expenses and
        are expensed when they are incurred. Interest income is recorded on the accrual basis. If a participant ceases to make loan repayments and the plan administrator deems the participant loan to be in default, the participant loan balance is reduced
        and a benefit payment is recorded. No allowance for credit losses has been recorded as of December&#160;31, 2024 and 2023.</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">7</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div>
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Notes to Financial Statements</div>
        <div style="margin-bottom: 18pt;">December 31, 2024 and 2023</div>
      </div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Expenses</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">Certain expenses of maintaining the Plan are paid by the Plan, unless otherwise paid by the Bank. Expenses that are paid by the Bank are excluded from these financial
        statements. Fees related to the administration of notes receivable from participants are charged directly to the participant's account and are included in administrative expenses. Investment related expenses are included in net appreciation in fair
        value of investments.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">Payment of Benefits</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 10pt;">Benefit payments are recorded when paid.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z2e3173f6484447208ab770bdcf1efd27" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt;">

          <tr>
            <td style="width: 18pt; vertical-align: top; font-weight: bold;">3.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Fair Value Measurements</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt;">The FASB&#8217;s Accounting Standards Codification (&#8220;ASC&#8221;) 820, <font style="font-style: italic;">Fair Value Measurements and Disclosures</font>, provides the framework for
        measuring fair value. The framework for measuring fair value provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in
        active markets for identical assets or liabilities (Level&#160;1) and the lowest priority to unobservable inputs (Level&#160;3). The three levels of the fair value hierarchy under authoritative guidance are described as follows:</div>
      <div style="margin-left: 36pt; margin-bottom: 10pt;">Level&#160;1&#160;-&#160;Inputs to the valuation methodology are unadjusted quoted prices for identical assets or liabilities in active markets that the Plan has the ability to access.</div>
      <div style="margin-left: 36pt;">Level&#160;2&#160;-&#160;Inputs other than quoted prices included within Level&#160;1 that are observable for the asset or&#160;liability, either directly or indirectly, such as:</div>
      <div style="margin-left: 36pt;"> <br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z906e57fa46b146db871f6ba0f23e354c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>quoted prices for similar assets or liabilities in active markets;</div>
                <div> <br>
                </div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zec319606540842b4a73a7acc453bac7a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>quoted prices for identical or similar assets or liabilities in inactive markets;</div>
                <div> <br>
                </div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z9c2701fd8adf4095862ceb1f0d816c9b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>inputs other than quoted prices that are observable for the asset or liability;</div>
                <div> <br>
                </div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zffd4a11d91cc47208b29ca1c6ce332b5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>inputs that are derived principally from or corroborated by observable market data by correlation or other means.</div>
                <div> <br>
                </div>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-left: 36pt; margin-bottom: 12pt;">If the asset or liability has a specified (contractual) term, the Level&#160;2 input must be observable for substantially the full term of the asset or liability.</div>
      <div style="margin-left: 36pt; margin-bottom: 12pt;">Level&#160;3&#160;-&#160;Inputs to the valuation methodology are unobservable and significant to the fair value measurement.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">The asset or liability's fair value measurement level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value
        measurement. Valuation techniques maximize the use of relevant observables and minimize the use of unobservable inputs.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">Following is a description of the valuation methodologies used for assets measured at fair value.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Mutual funds are valued at the daily closing price as reported by the fund. Mutual funds held by the&#160;Plan are open-end mutual funds that are registered with the U.S. Securities
        and Exchange Commission. These funds are required to publish their daily net asset value (NAV) and to transact at&#160;that price. The mutual funds held by the Plan are deemed to be actively traded.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Common stock is valued at the closing price reported on the active market on which the individual securities are traded.</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">8</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="margin-bottom: 12pt;">
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Notes to Financial Statements</div>
        <div style="margin-bottom: 18pt;">December 31, 2024 and 2023</div>
      </div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">The collective trust fund is valued at the NAV of units held in the common collective trust. The NAV, as provided by the trustee, is used as a practical expedient to estimate
        fair value. The NAV is based on the fair value of the underlying investments held by the Plan less its liabilities. This practical expedient is not used when it is determined to be probable that the fund will sell the investment for an&#160;amount
        different than the reported NAV. Participant transactions (purchases and sales) may occur&#160;daily. This common collective trust imposes a 90-day &#8220;equity wash&#8221; restriction on all participant-directed transfers to competing investment options. Under
        this restriction, any such transfer must first be directed to a non-competing investment option and remain there for a minimum of 90 days before being transferred to a competing option. In the event the Plan were to initiate a full redemption of
        the collective trust, the investment advisor reserves the right to temporarily delay withdrawal from the trust in order to ensure that securities liquidations will be carried out in an orderly business manner. Returns are derived from income earned
        less expenses. Individual investment contracts are held within the portfolio and represent credit obligations of the issuer, units of the portfolio are not guaranteed by the trustee, the Bank or any federal or state agency. The portfolio includes
        contracts issued by insurance companies and other financial institutions, fixed income securities and money market funds.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">The objective of the collective trust fund is to provide preservation of capital, relatively stable returns consistent with its comparatively low risk profile, and liquidity
        for benefit-responsive payments. The fund seeks to achieve this objective by investing primarily in a variety of high quality stable value investment contracts, as well as cash and cash equivalents. The fund's stable value investment contracts will
        maintain a minimum weighted average credit quality rating of "A" or better. The underlying fixed income securities of the fund must be rated investment grade and meet diversification guidelines. The fund is designed for long-term retirement
        investing.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Principal Life Insurance Company offers separate accounts as investment options for retirement benefits plans through a group annuity contract. The following operational
        information is pertinent to the non-registered separate accounts made available by Principal Life Insurance Company.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Pooled Separate Accounts (PSA) are accounts maintained by an insurance company that are used for the collective investment of plan funds from multiple employee benefit plans.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">Separate accounts are credited with the income, gains, or losses resulting from the assets allocated to that specific account only. The return on separate accounts in not
        guaranteed-the value of an interest in a separate account increases or decreases based on the value of the assets held in the separate account. Each plan that invests in the PSAs obtains units of participation in the pooled account and through
        those units of participation share in the gains and losses of al investments in the pooled account.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">The plan holds an interest in the PSA&#8217;s represented in units credited to the account and the number of units allocated or withdrawn from the account. The participation unit
        value represents the NAV and is adjusted periodically to reflect investment results under the separate account. The NAV is used as a practical expedient to estimate fair value.</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">The preceding methods described may produce a fair value calculation that many not be indicative of net realizable value or reflective of future fair values. Furthermore,
        although the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a
        different fair value measurement at the reporting date.</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">9</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div>
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Notes to Financial Statements</div>
        <div style="margin-bottom: 18pt;">December 31, 2024 and 2023</div>
      </div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 10pt;">The following tables set forth by level, within the fair value hierarchy, the Plan's investment assets at fair value as of December&#160;31, 2024 and 2023:</div>
      <table cellspacing="0" cellpadding="0" id="z07a5ff3eda254408ad6106a9e3d87dd2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 30.71%; vertical-align: bottom;">&#160;</td>
            <td style="width: 0.81%; vertical-align: bottom;">&#160;</td>
            <td style="width: 68.49%; vertical-align: bottom; border-bottom: 2px solid #000000;" colspan="7">
              <div>
                <div style="text-align: center; font-weight: bold;">Assets at Fair Value as of December&#160;31, 2024</div>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 30.71%; vertical-align: bottom;">&#160;</td>
            <td style="width: 0.81%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.88%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 1</div>
              </div>
            </td>
            <td style="width: 0.8%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.23%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 2</div>
              </div>
            </td>
            <td style="width: 2.76%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.12%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 3</div>
              </div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.22%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>
                <div style="text-align: center; font-weight: bold;">Total</div>
              </div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zb3462bf17dbb440d8ef8864e5b0b7535" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Mutual funds</div>
            </td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">14,407,740</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.25%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 12.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.25%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">14,407,740</div>
            </td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Common Stock</div>
            </td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">1,119,175</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">1,119,175</div>
            </td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Investments measured at net asset value (a)</div>
            </td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">930,161</div>
            </td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 43.2pt;">Total investments at<br>
                fair value</div>
            </td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom; border-bottom: #000000 4px double;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">15,526,915</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom; border-bottom: #000000 4px double;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom; border-bottom: #000000 4px double;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom; border-bottom: #000000 4px double;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.25%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">16,457,076</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z4652ea1a9eac44ec886c452584efa955" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 30.71%; vertical-align: bottom;">&#160;</td>
            <td style="width: 0.81%; vertical-align: bottom;">&#160;</td>
            <td style="width: 68.49%; vertical-align: bottom; border-bottom: 2px solid #000000;" colspan="7">
              <div>
                <div style="text-align: center; font-weight: bold;">Assets at Fair Value as of December&#160;31, 2023</div>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 30.71%; vertical-align: bottom;">&#160;</td>
            <td style="width: 0.81%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.88%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 1</div>
              </div>
            </td>
            <td style="width: 0.8%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.23%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 2</div>
              </div>
            </td>
            <td style="width: 2.76%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.12%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>
                <div style="text-align: center; font-weight: bold;">Level 3</div>
              </div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.22%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>
                <div style="text-align: center; font-weight: bold;">Total</div>
              </div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z758bb35c3e2a4ffa83897b3e0aa068d8" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Mutual funds</div>
            </td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">11,688,346</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.25%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 12.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.25%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">11,688,346</div>
            </td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Common Stock</div>
            </td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">871,781</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">871,781</div>
            </td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Investments measured at net asset value (a)</div>
            </td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">652,568</div>
            </td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 30.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 43.2pt;">Total investments at<br>
                fair value</div>
            </td>
            <td style="width: 1.44%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.91%; vertical-align: bottom; border-bottom: #000000 4px double;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">12,560,127</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom; border-bottom: #000000 4px double;">&#160;</td>
            <td style="width: 13.25%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 2.57%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.8%; vertical-align: bottom; border-bottom: #000000 4px double;">&#160;</td>
            <td style="width: 12.39%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#8212;</div>
            </td>
            <td style="width: 1.45%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.92%; vertical-align: bottom; border-bottom: #000000 4px double;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.25%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">13,212,695</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zd97323b44c09443f9f8dc697f6ec1aef" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">(a)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify; text-indent: 18pt; margin-bottom: 12pt;">In accordance with FAS ASC 820-10, certain investments that are measured at fair value using the NAV value per share (or its equivalent) practical expedient have not
                  been classified in the fair value hierarchy. The fair value amounts presented in this table are intended to permit reconciliation of the fair value hierarchy to&#160;the line items presented in the Statements of Net Assets Available for
                  Benefits.</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-bottom: 12pt;"> <br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">10</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div>
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Notes to Financial Statements</div>
        <div style="margin-bottom: 18pt;">December 31, 2024 and 2023</div>
      </div>
      <div style="text-align: justify; margin-bottom: 12pt;">Investments Measured Using NAV per Share Practical Expedient</div>
      <div style="text-align: justify; margin-left: 36pt; margin-bottom: 12pt;">The following tables summarize investments for which fair value is measured using NAV per share&#160;practical expedient as of December&#160;31, 2024 and 2023, respectively. There are no
        participant redemption restrictions for these investments; the redemption notice period is applicable only to the Plan.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z9f837f9fb10a4f9abc87080bcd653219" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 69.12%; vertical-align: bottom; border-bottom: 2px solid #000000;" colspan="8">
              <div>
                <div style="text-align: center; font-weight: bold;">December&#160;31, 2024</div>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom; border-bottom: 2px solid #000000;" colspan="2">
              <div>
                <div style="text-align: center; font-weight: bold;">Fair Value</div>
              </div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom; border-bottom: 2px solid #000000;">
              <div>
                <div style="text-align: center; font-weight: bold;">Unfunded Commitments</div>
              </div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom; border-bottom: 2px solid #000000;">
              <div>
                <div style="text-align: center; font-weight: bold;">Redemption Frequency<br>
                  (if Currently Eligible)</div>
              </div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom; border-bottom: 2px solid #000000;">
              <div>
                <div style="text-align: center; font-weight: bold;">Redemption Notice Period</div>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Common collective trust fund:</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -39.6pt; margin-left: 46.8pt;">Morley Stable Value Fund</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">740,356</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">Daily</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">30 days</div>
            </td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Pooled separate accounts:</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -39.6pt; margin-left: 46.8pt;">Principal MidCap S&amp;P 400</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">112,979</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -39.6pt; margin-left: 46.8pt;">Principal SmallCap S&amp;P 600</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">76,826</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z9c8db8fb954b4d90b780c464021237c3" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 69.12%; vertical-align: bottom; border-bottom: 2px solid #000000;" colspan="8">
              <div>
                <div style="text-align: center; font-weight: bold;">December&#160;31, 2023</div>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom; border-bottom: 2px solid #000000;" colspan="2">
              <div>
                <div style="text-align: center; font-weight: bold;">Fair Value</div>
              </div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom; border-bottom: 2px solid #000000;">
              <div>
                <div style="text-align: center; font-weight: bold;">Unfunded Commitments</div>
              </div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom; border-bottom: 2px solid #000000;">
              <div>
                <div style="text-align: center; font-weight: bold;">Redemption Frequency<br>
                  (if Currently Eligible)</div>
              </div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom; border-bottom: 2px solid #000000;">
              <div>
                <div style="text-align: center; font-weight: bold;">Redemption Notice Period</div>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Common collective trust fund:</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -39.6pt; margin-left: 46.8pt;">Morley Stable Value Fund</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">504,743</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">Daily</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">30 days</div>
            </td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Pooled separate accounts:</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">&#160;</td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px; text-align: right;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -39.6pt; margin-left: 46.8pt;">Principal MidCap S&amp;P 400</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">86,685</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
          </tr>
          <tr>
            <td style="width: 29.41%; vertical-align: bottom;">
              <div style="text-indent: -39.6pt; margin-left: 46.8pt;">Principal SmallCap S&amp;P 600</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 2.94%; vertical-align: bottom;">
              <div style="text-align: right;">$</div>
            </td>
            <td style="width: 13.24%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">61,140</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
            <td style="width: 1.47%; vertical-align: bottom;">&#160;</td>
            <td style="width: 16.18%; vertical-align: bottom;">
              <div style="text-align: center;">N/A</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z45ca1a40216144029d40f77ed2c47885" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

          <tr>
            <td style="width: 18pt; vertical-align: top; font-weight: bold;">4.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Related-Party and Party in Interest Transactions</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">Certain of the Plan's investments are managed by the affiliates of Principal Trust Company, the Plan's trustee, and therefore, these transactions qualify as party in interest
        transactions. Fees incurred by the Plan for the investment manager services are included in net (depreciation) appreciation in the fair value of the investment, as they are paid through revenue sharing, rather than a direct payment. Additionally,
        the Plan issues loans to participants, which are secured by the participant's account balances. These transactions qualify as party in interest transactions.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z4ae06850708042199d5c0ed4e743c007" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

          <tr>
            <td style="width: 18pt; vertical-align: top; font-weight: bold;">5.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-weight: bold;">Plan Termination</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">Although it has not expressed any intent to do so, the Bank has the right to discontinue its contributions at&#160;any time and to terminate the Plan subject to the provisions of
        ERISA.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zc2f2a9f86afb4ae692c99add83a7843d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

          <tr>
            <td style="width: 18pt; vertical-align: top; font-weight: bold;">6.</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-weight: bold;">Tax Status</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">The Plan has adopted a pre-approved Plan sponsored by Principal Life Insurance Company.&#160; One June 30, 2020, the Internal Revenue Service (&#8220;IRS&#8221;) stated in an opinion letter
        that the prototype adopted by the Plan, as then designed, was in compliance with applicable requirements of the Internal Revenue Code (&#8220;IRC&#8221;) and therefore, the related trust is exempt from taxation. Although the Plan has been&#160;amended since
        receiving the determination letter, the&#160;plan administrator believes that the Plan is designed and is currently</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">11</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="margin-bottom: 12pt;">
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Notes to Financial Statements</div>
        <div style="margin-bottom: 18pt;">December 31, 2024 and 2023</div>
      </div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">being operated in compliance with the applicable requirements of the IRC, and therefore, believes that the Plan is qualified, and the related trust is tax-exempt.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">Accounting principles generally accepted in the United States of America require management to evaluate tax positions taken by the Plan and recognize a tax liability if the
        Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the IRS. The Plan administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2024 and 2023,
        there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no
        audits for any tax periods in progress.</div>
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          <tr>
            <td style="width: 18pt; vertical-align: top; font-weight: bold;">7.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Risks and Uncertainties</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">The Plan invests in various investment securities. Investment securities are exposed to various risks, such as interest rate, market and credit risks. Market risks include
        global events which could impact the value of investment securities, such as a pandemic or international conflict. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values
        of investment securities will occur in the near term and that such changes could materially affect participants' account balances and the amounts reported in the Statements of Net Assets Available for Benefits.</div>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">Volatility in the financial markets may significantly impact the subsequent valuation of the Plan&#8217;s investments. Accordingly, the valuation of investments at December 31, 2024
        may not necessarily be indicative of amounts that could be realized in a current market exchange.</div>
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          <tr>
            <td style="width: 18pt; vertical-align: top; font-weight: bold;">8.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Mutual Fund Fees</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 18pt; margin-bottom: 12pt;">Certain investments in mutual funds are subject to sales charges in the form of front-end loads, back-end load or 12b-1 fees.&#160; 12b-1 fees are ongoing fees allowable under
        Section 12b-1 of the Investment Company Act of 1940. These annual fees are used to pay for marketing and distribution costs of the funds. These fees are deducted prior to the allocation of the Plan&#8217;s investment earnings activity, and thus not
        separately identifiable as an expense.</div>
      <div style="margin-bottom: 12pt;"><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">12</font></div>
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      </div>
      <div style="margin-bottom: 12pt;">
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Schedule H, Line 4(i) - Schedule of Assets (Held at End of Year)</div>
        <div>EIN: 22-0784760&#160; Plan Number: 002</div>
        <div>Year Ended December 31, 2024</div>
        <div><br>
        </div>
      </div>
      <table cellspacing="0" cellpadding="0" id="z5ca30aa6415b458a9cd80317de089a96" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(b)</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(c)</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(a)</div>
            </td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">Identity of Issue, Borrower,</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">Description of Investment Including Maturity Date,</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">(d)</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: center; font-weight: bold;">(e)</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-weight: bold;">&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-weight: bold;">Lessor or Similar Party</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-weight: bold;">Rate of Interest, Collateral, Par or Maturity Value</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-weight: bold;">Cost</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-weight: bold;">Current Value</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="font-weight: bold;">Mutual Funds</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">American Century Investments</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>American Century Small Cap Value Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;$&#160; &#160; &#160; &#160; 638,211</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">American Funds</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>American Balanced Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;799,021</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">American Funds</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Washington Mutual Investors Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;853,463</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Hartford Funds</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Hartford Midcap HLS Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;850,572</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan Large Cap Growth Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,152,435</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement Income</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;316,017</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2020</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;212,222</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2025</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,842,653</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2030</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,315,847</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2035</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;604,142</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2040</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;401,485</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2045</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;410,816</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2050</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;739,131</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2055</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;111,075</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2060</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;83,296</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">J.P. Morgan</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>JP Morgan SmartRetirement 2065</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,654</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Loomis Sayles</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Natixis Loomis Sayles Core Plus Bond Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;301,902</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
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            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Schwab S&amp;P 500 Index Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,564,842</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">SIT Mutual Funds</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>SIT U.S. Government Securities Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;368,412</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="text-indent: 10pt;">Vanguard</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Vanguard Global Equity Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;817,544</div>
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          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div style="text-indent: 50pt;">Total mutual funds</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;14,407,740</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="font-weight: bold;">Common Stock</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>SR Bancorp Stock</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,119,175</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="font-weight: bold;">Common Collective Trust Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Morley Stable Value Fund Net 80-I Fund</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;">N/R</div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;740,356</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;">*</div>
            </td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="font-weight: bold;">Pooled Separate Accounts</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Principal MidCap S&amp;P 400</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;112,979</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Principal SmallCap S&amp;P 600</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;76,826</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;189,805</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div style="text-indent: 50pt;">Total investments at fair value</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160;&#160;&#160;&#160;16,457,076</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">
              <div style="text-align: center;">*</div>
            </td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">
              <div style="font-weight: bold;">Participant Loans</div>
            </td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Interest rates: 4.25% - 10.00%</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">
              <div style="text-align: center;"><br>
              </div>
            </td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 134,055</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">
              <div>Maturity dates range from 2025-2029</div>
            </td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; text-align: right; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; border-bottom: 4px double rgb(0, 0, 0); padding-left: 5px; padding-right: 5px;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;$&#160;&#160; 16,591,131</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 29.24%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 45.21%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 5.97%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.39%; vertical-align: bottom; padding-left: 5px; padding-right: 5px;">&#160;</td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">
              <div style="text-align: center;">*</div>
            </td>
            <td nowrap="nowrap" style="width: 95.81%; vertical-align: bottom;" colspan="4">
              <div>A party in interest as defined by ERISA</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 4.19%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 95.81%; vertical-align: bottom;" colspan="4">
              <div>N/R - cost omitted for participant directed investments</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">13</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      <div>
        <div>
          <div style="font-size: 12pt; font-weight: bold;">Somerset Regal Bank 401(k) Retirement Plan</div>
        </div>
        <div>Schedule H, Line 4(a) - Schedule of Delinquent Participant Contributions</div>
        <div>EIN: 22-0784760&#160; Plan Number: 002</div>
        <div>Year Ended December 31, 2024</div>
      </div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z95656f4897e94c34af36ab50bca97f3b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td nowrap="nowrap" style="width: 100%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);" colspan="6">
              <div style="text-align: center; font-weight: bold;">Schedule H, Line 4a - Schedule of Delinquent Participant Contributions</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 28.67%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td style="width: 55.88%; vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" colspan="4">
              <div style="text-align: center;">Total That Constitute Prohibited Nonexempt Transactions</div>
            </td>
            <td style="width: 15.45%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" rowspan="8">
              <div style="text-align: center;">&#160;Totally Fully Corrected Under Voluntary Fiduciary Correction Program (VFCP) and Prohibited Transaction Exemption 2002-51</div>
            </td>
          </tr>
          <tr>
            <td style="width: 28.67%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Participant Contributions Transferred Late to Plan *</div>
            </td>
            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td style="width: 22.44%; vertical-align: bottom;">
              <div style="text-align: center;">Contributions Not Corrected</div>
            </td>
            <td style="width: 15.35%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Contributions Corrected Outside VFCP</div>
            </td>
            <td style="width: 15.29%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Contributions Pending Correction in VFCP</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 28.67%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 22.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.35%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td nowrap="nowrap" style="width: 15.29%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 28.67%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Check Here</div>
            </td>
            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 22.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.35%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td nowrap="nowrap" style="width: 15.29%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 28.67%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 22.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.35%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td nowrap="nowrap" style="width: 15.29%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 28.67%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">If Late Participant Loan Repayments are Included</div>
            </td>
            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 22.44%; vertical-align: middle;">
              <div>&#160;</div>
              <div style="text-align: center;">$5,803 **</div>
            </td>
            <td nowrap="nowrap" style="width: 15.35%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">$7,963&#160; *</div>
            </td>
            <td nowrap="nowrap" style="width: 15.29%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 28.67%; vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);" rowspan="2">
              <div style="text-align: center;">&#8730;</div>
            </td>
            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 22.44%; vertical-align: middle;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.35%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td nowrap="nowrap" style="width: 15.29%; vertical-align: bottom; border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 22.44%; vertical-align: bottom; border-bottom: #000000 2px solid;">
              <div>&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 15.35%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
            <td nowrap="nowrap" style="width: 15.29%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td nowrap="nowrap" style="width: 28.67%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 22.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.35%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.29%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.45%; vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
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            <td nowrap="nowrap" style="width: 2.8%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 22.44%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.35%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.29%; vertical-align: bottom;">&#160;</td>
            <td nowrap="nowrap" style="width: 15.45%; vertical-align: bottom;">&#160;</td>
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          <tr>
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              <div>*Contributions have been remitted into the Plan in 2023.&#160; Lost earnings amounting to $369 for late remittances had been calculated and deposited in 2024.</div>
              <div>&#160;</div>
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          </tr>

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      </div>
      <div><br>
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    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="text-align: center; font-weight: bold;">SIGNATURES</div>
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    <div><br>
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    <div style="text-align: justify; text-indent: 36pt;"><font style="font-style: italic;">The Plan.&#160; </font>Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have
      duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.</div>
    <div><br>
    </div>
    <div><br>
    </div>
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        <tr>
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          <td style="width: 10.14%; vertical-align: top;">&#160;</td>
          <td style="width: 44.92%; vertical-align: top;">
            <div>SOMERSET REGAL BANK 401(k) SAVINGS AND INVESTMENT PLAN</div>
          </td>
        </tr>
        <tr>
          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
          <td style="width: 10.14%; vertical-align: top;">&#160;</td>
          <td style="width: 44.92%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
          <td style="width: 10.14%; vertical-align: top;">&#160;</td>
          <td style="width: 44.92%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
          <td style="width: 10.14%; vertical-align: top;">&#160;</td>
          <td style="width: 44.92%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
          <td style="width: 10.14%; vertical-align: top;">&#160;</td>
          <td style="width: 44.92%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 44.94%; vertical-align: top;">
            <div style="text-align: justify;">Date: June 27, 2025</div>
          </td>
          <td style="width: 10.14%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">By:&#160;&#160; <br>
            </div>
          </td>
          <td style="width: 44.92%; vertical-align: top;">
            <div><u>&#160;/s/ William P. Taylor</u></div>
          </td>
        </tr>
        <tr>
          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
          <td style="width: 10.14%; vertical-align: top;">&#160;</td>
          <td style="width: 44.92%; vertical-align: top;">
            <div>William P. Taylor</div>
          </td>
        </tr>
        <tr>
          <td style="width: 44.94%; vertical-align: top;">&#160;</td>
          <td style="width: 10.14%; vertical-align: top;">&#160;</td>
          <td style="width: 44.92%; vertical-align: top;">
            <div>Chief Executive Officer</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">15</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div> <br>
    </div>
    <div>
      <div style="text-align: center; margin-bottom: 8pt; font-weight: bold;">EXHIBIT INDEX</div>
      <div style="margin-bottom: 8pt;"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zf730dc70d5d24f1cbb5dad47ee59886b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.14%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;">Exhibit Number</div>
            </td>
            <td style="width: 77.86%; vertical-align: top;">
              <div style="font-weight: bold;">Description</div>
            </td>
          </tr>
          <tr>
            <td style="width: 22.14%; vertical-align: top;">
              <div style="text-align: center;"><a href="ex23-1_11k2024.htm">23.1</a></div>
            </td>
            <td style="width: 77.86%; vertical-align: top;">
              <div><a href="ex23-1_11k2024.htm">Consent of Independent Registered Accounting Firm<br>
                </a> </div>
            </td>
          </tr>

      </table>
      <div style="margin-bottom: 8pt;"><br>
      </div>
      <div style="margin-bottom: 8pt;"><br>
      </div>
    </div>
    <div><br>
    </div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>2
<FILENAME>ex23-1_11k2024.htm
<DESCRIPTION>CONSENT OF INDEPENDENT REGISTERED ACCOUNTING FIRM
<TEXT>
<html>
  <head>
    <title></title>
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 23.1</font><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <div style="text-align: center; margin-left: 5.95pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-right: 5.8pt; margin-left: 5.95pt; margin-top: 9.2pt;">We consent to the incorporation by reference in the Registration Statement of SR Bancorp, Inc. on Form S-8 No. (333-270489) of our report dated June 27, 2025
      on our audits of the financial statements of Somerset Regal Bank 401(k) Retirement Plan as of December 31, 2024 and 2023 and for the year ended year end December 31, 2024 and supplemental schedules as of the year end December 31, 2024, which report
      is included in this Annual Report on Form 11-K to be filed on or about June 27, 2025.</div>
    <div><br>
    </div>
    <div style="margin-top: 0.55pt;"><br>
    </div>
    <div style="text-align: justify; margin-left: 5.95pt; font-style: italic;">/s/ EisnerAmper LLP</div>
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    <div><br>
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    <div style="text-align: justify; margin-left: 5.95pt;">EISNERAMPER LLP</div>
    <div style="margin-right: 391.9pt; margin-left: 5.95pt;">Iselin, New Jersey </div>
    <div style="margin-right: 391.9pt; margin-left: 5.95pt;">June 27, 2025</div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
