Fairfield, NJ · Cert 28765 · Kearny Financial Corp.
SI · FDIC · 40 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.2% share · #40 of 151 inst. · $5.7B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.31% | -0.90% | 0.35% | 0.35% | 0.40% | 0.43% | 0.54% | 0.46% | +11 bps | |
| Return on Equity | -13.69% | -9.48% | 3.88% | 3.90% | 4.42% | 4.66% | 5.74% | 4.90% | +100 bps | |
| Net Interest Margin | 1.71% | 1.72% | 1.77% | 1.81% | 1.87% | 1.92% | 2.07% | 2.09% | +27 bps | |
| Efficiency Ratio | 75.56% | 76.19% | 77.68% | 76.04% | 74.44% | 73.43% | 70.60% | 71.67% | -437 bps | |
| Non-Interest Burden | 2.88% | 2.49% | 1.31% | 1.31% | 1.31% | 1.32% | 1.35% | 1.39% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | -2.15% | -1.43% | 0.70% | -1.65% | -1.48% | -1.67% | -0.80% | -151 bps | |
| Loan Growth (YoY) | 0.93% | 0.66% | 1.56% | 1.39% | -0.33% | -0.61% | -1.04% | 1.07% | -32 bps | |
| Deposit Growth (YoY) | 0.28% | 6.21% | 9.29% | 9.73% | 2.78% | 0.63% | 0.31% | 0.58% | -915 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.65% | 0.64% | 0.78% | 1.12% | 0.89% | 0.90% | 0.81% | +3 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.08% | 0.03% | 0.01% | 0.03% | 0.04% | 0.04% | 0.02% | +1 bps | |
| Allowance / Loans | 0.78% | 0.77% | 0.76% | 0.79% | 0.78% | 0.78% | 0.77% | 0.77% | -2 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.2x | 1.0x | 0.7x | 0.9x | 0.9x | 0.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.53% | 8.63% | 8.65% | 8.68% | 8.73% | 8.86% | 8.92% | 8.83% | +15 bps | |
| Total Risk-Based Capital | 14.48% | 14.49% | 14.41% | 14.49% | 14.66% | 14.75% | 14.64% | 14.38% | -11 bps | |
| Equity / Assets | 9.07% | 9.05% | 9.11% | 9.09% | 9.32% | 9.40% | 9.47% | 9.41% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.29% | 101.70% | 101.99% | 102.03% | 102.10% | 100.45% | 100.62% | 102.52% | +50 bps | |
| Liquid Assets / Assets | 3.12% | 2.96% | 2.64% | 3.01% | 2.72% | 2.86% | 2.48% | 2.28% | -73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 574% | 568% | 563% | n/a | n/a | |