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Kearny Bank

Fairfield, NJ · Cert 28765 · Kearny Financial Corp.

SI · FDIC · 40 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kearny Bank

Fairfield, NJ · Cert 28765 · Kearny Financial Corp.

SI · FDIC · 40 branches

Q2 2026

$7.7BAssets
$5.9BLoans
$5.7BDeposits
$721.3MEquity
Loan mix
96%RE $5.6B3%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $4.9B14%Noninterest $0.8BQ2 2025Q2 2026

NIM

4.22%Q2 ’244.12%Q2 ’254.19%Q2 ’26+5%+15%

Non-interest income vs. expense

3.95%Q2 ’241.56%Q2 ’251.69%Q2 ’26-65%+7%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.2% share · #40 of 151 inst. · $5.7B of $2921.1B

3.2% Hudson
1.6% Bergen
2.6% Monmouth
2.3% Ocean

Executive Summary

  • Earnings: ROA of 0.46%, up 11 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.81% of loans (+3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.83%, up 15 bps from a year ago.
  • Funding: loans stand at 102.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.09%+27 bps YoY

Efficiency Ratio (YTD, annualized)

71.67%-437 bps YoY

Tier 1 Leverage Ratio

8.83%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.40%0.43%0.54%0.46%+11 bps
Return on Equity3.90%4.42%4.66%5.74%4.90%+100 bps
Net Interest Margin1.81%1.87%1.92%2.07%2.09%+27 bps
Efficiency Ratio76.04%74.44%73.43%70.60%71.67%-437 bps
Non-Interest Burden1.31%1.31%1.32%1.35%1.39%+9 bps
Growth
Asset Growth (YoY)0.70%-1.65%-1.48%-1.67%-0.80%-151 bps
Loan Growth (YoY)1.39%-0.33%-0.61%-1.04%1.07%-32 bps
Deposit Growth (YoY)9.73%2.78%0.63%0.31%0.58%-915 bps
Asset Quality
Nonperforming Loans / Loans0.78%1.12%0.89%0.90%0.81%+3 bps
Net Charge-Offs / Loans0.01%0.03%0.04%0.04%0.02%+1 bps
Allowance / Loans0.79%0.78%0.78%0.77%0.77%-2 bps
Allowance Coverage of NPLs1.0x0.7x0.9x0.9x0.9x-0.1x
Capital
Tier 1 Leverage Ratio8.68%8.73%8.86%8.92%8.83%+15 bps
Total Risk-Based Capital14.49%14.66%14.75%14.64%14.38%-11 bps
Equity / Assets9.09%9.32%9.40%9.47%9.41%+32 bps
Liquidity & Funding
Loans / Deposits102.03%102.10%100.45%100.62%102.52%+50 bps
Liquid Assets / Assets3.01%2.72%2.86%2.48%2.28%-73 bps
CRE / Total Capitaln/a574%568%563%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Kearny Bank

Fairfield, NJ · Cert 28765 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Kearny Financial Corp.

SI · FDIC · 40 branches

Q2 2026

$7.7BAssets
$5.9BLoans
$5.7BDeposits
$721.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 56% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 36).
  • Widest gap: return on assets trails 86% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 31 of 36).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.46%

Rank 31 of 36

Net Interest Margin

2.09%

Rank 30 of 36

Efficiency Ratio

71.93%

Rank 25 of 35

Equity / Assets

9.41%

Rank 29 of 36

Non-interest income vs. expense

$22.9M$130.2MINCOMEEXPENSE
Unfavorable gap of $107.3M · efficiency ratio beats 31% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 71.93%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.46%0.65%1.00%1.72%Beats 14%31 / 36
Return on Equity4.88%5.35%9.30%13.56%Beats 20%28 / 35
Net Interest Margin2.09%2.66%3.13%3.63%Beats 17%30 / 36
Efficiency Ratio71.93%52.19%63.09%75.14%Beats 31%25 / 35
Asset Quality
Nonperforming Loans / Loans0.81%0.46%0.84%1.59%Beats 56%17 / 36
Net Charge-Offs / Loans0.01%n/a0.03%0.14%Beats 53%18 / 36
Capital
Tier 1 Capital Ratio13.44%13.13%14.78%18.34%Beats 31%25 / 36
Total Risk-Based Capital Ratio14.38%13.73%15.96%19.27%Beats 33%24 / 36
Equity / Assets9.41%9.80%11.58%14.82%Beats 19%29 / 36
Liquidity & Funding
Loans / Deposits102.52%81.12%95.13%103.24%72nd pctl10 / 36
Loans / Assets76.73%67.44%76.31%84.79%53rd pctl17 / 36
Brokered Deposits / Depositsn/aNot reported for this institution