8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): February 5, 2013

EUREKA FINANCIAL CORP.

(Exact Name of Registrant as Specified in Its Charter)

Maryland (State or other jurisdiction of incorporation or organization) 000-54238 (Commission File Number) 27-3671639 (IRS Employer Identification No.)

3455 Forbes Avenue, Pittsburgh, Pennsylvania 15213

(Address of principal executive offices) (Zip Code)

(412) 681-8400

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[ ]    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[ ]    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[ ]    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[ ]    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02Results of Operations and Financial Condition.

On February 5, 2013, Eureka Financial Corp. (the “Company”) issued a press release announcing its financial results for the three months ended December 31, 2012.  A copy of the Company’s press release is attached as Exhibit 99.1 and is furnished herewith.

Item 9.01Financial Statements and Exhibits.

(d)           Exhibits

Number                          Description

99.1                                Press Release dated February 5, 2013

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

Date:  February 7, 2013	By:	/s/ Gary B. Pepper
		Gary B. Pepper
		Executive Vice President and Chief Financial Officer

EX-99.1

Contact:   Edward F. Seserko

President and CEO

 (412) 681-8400

For Immediate Release

February 5, 2013

EUREKA FINANCIAL CORP. ANNOUNCES EARNINGS

FOR THE THREE MONTHS ENDED DECEMBER 31, 2012

Pittsburgh, Pennsylvania – Eureka Financial Corp., (the “Company”), the parent holding company for Eureka Bank (the “Bank”), Pittsburgh, Pennsylvania, today announced net income for the three months ended December 31, 2012 of $333,000, or $0.25 diluted earnings per share, as compared to net income of $388,000, or $0.31 diluted earnings per share, for the three months ended December 31, 2011.  The decrease in net income was primarily attributable to an increase in noninterest expense and, to a lesser extent, an increase in the provision for loan losses and a decrease in net interest income.  The increase in noninterest expense was primarily due to increases in regular operational activities.  The decrease in net interest income resulted from a decrease in interest income on investment securities that was partially offset by an increase in interest income on loans.  The decrease in interest income on securities was primarily the result of called securities and lower rates available on investments available for purchase.  The decrease in interest income was partially offset by a decrease in interest expense, primarily due to the low interest rate environment.

The Bank, founded in 1886, is a federally chartered stock savings bank and operates two offices in the Pittsburgh metropolitan area.  The Company’s common stock trades in the over-the-counter market under the symbol “EKFC.”

The foregoing material may contain forward-looking statements concerning the financial condition, results of operations and business of the Company.  We caution that such statements are subject to a number of uncertainties and actual results could differ materially and, therefore, readers should not place undue reliance on any forward-looking statements.  The Company does not undertake, and specifically disclaims, any obligation to publicly release the results of any revisions that may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.

	(Unaudited) December 31,			September 30,
	2012			2012
Total assets	$	141,111		$	138,489
Cash and investments		22,589			22,502
Loans receivable, net		114,934			112,440
Allowance for loan losses		(1,182	)		(1,142	)
Deposits		116,670			114,497
Total liabilities		118,572			116,103
Stockholders' equity	$	22,539		$	22,386
Nonaccrual loans	$	1,044		$	660
Repossessed assets		30			100
Total nonperforming assets	$	1,074		$	760
Allowance for loan losses to total loans		1.03	%		1.02	%
Nonperforming loans to net loans		0.91	%		0.59	%
Nonperforming assets to total assets		0.76	%		0.55	%
Book value per share	$	17.10		$	16.89
Number of common shares outstanding		1,317,897			1,325,397

	Three Months Ended December 31, (Unaudited)
	2012		2011
Interest income	$	1,683	$	1,727
Interest expense		312		344
Net interest income		1,371		1,383
Provision for loan losses		40		20
Net interest income after provision for loan losses		1,331		1,363
Noninterest income		36		20
Noninterest expense		861		754
Income before income taxes		506		629
Income tax expense		173		241
Net income	$	333	$	388
Earnings per share-basic and diluted	$	0.25	$	0.31