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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 75thStandingRank8-Qtr TrendPeer 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