Kearny Bank
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Data as of · sourced from FFIEC call reports. How we update
Kearny Bank is an FDIC-insured savings bank headquartered in Fairfield, NJ, established in 1884 (FDIC certificate 28765), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $7.67B, down 0.8% from Q2 2025, the 8th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 13.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28765
- Headquarters
- Fairfield, NJ
- Established
- 1884
- Total assets, Q2 2026
- $7.67B
- Assets vs Q2 2025
- -0.8%
- CET1 ratio, Q2 2026
- 13.44%
- Domestic offices
- 40 FDIC institution directory, current count
- Routing number
- 221270651
- Latest call report
- Q2 2026, FFIEC 041 · Kearny Bank call report
- Holding company
- KEARNY FINANCIAL CORP.
- Asset rank in state
- 8th of 49 in New Jersey
Kearny Bank spends more to run itself than most banks of its size. Its balance sheet stood at $7.7 billion at June 30, 2026; it is based in Fairfield, New Jersey. It earns about $0.38 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.25 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Unrealized losses on its securities total $108 million, equal to 16% of Tier 1 capital, against 19% a year earlier. Its $922 million non-owner-occupied commercial real estate book is improving, with 0.02% past due or on nonaccrual, down from 0.62% a year earlier. Where it has less room is capital: it funds 8.83% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Kearny Bank reported a CET1 capital ratio of 13.44%, a return on assets of 0.38%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 8.19%. The figures come from its call report filed with the FFIEC.
Kearny Bank ranks as the 8th largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $7.67B, loans rose 1.6% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 42.5% of total loans, ahead of 1-4 family residential loans at 32.0%. Its 40 offices in the FDIC Summary of Deposits are in 38 cities across 2 states; its Kearny office books 24% of its branch deposits. Judged on its Q2 2026 call report, Kearny Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 614 Kearny Ave, Fairfield, NJ 07032
- County
- Hudson
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1884
- Former names
- Kearny Federal Savings Bank (2011-2015)
- Domestic offices
- 40 FDIC institution directory, current count
- Employees (FTE)
- 520
- Domestic deposits
- $5.74B
- Allowance for credit losses
- $45.5M
- Net charge-offs (YTD)
- $675K
- Average total assets
- $7.69B
- Average total loans
- $5.85B
- Average interest-bearing deposits
- $4.86B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28765
- Fed RSSD
- 633378
- SEC CIK
- 1617242 → filed by KEARNY FINANCIAL CORP.
- Website
- www.kearnybank.com →
- Parent Holding Company
- KEARNY FINANCIAL CORP. (RSSD 3099443) · KRNY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Craig Montanaro | CEO | President and CEO |
| Sean Byrnes | CFO | EVP and CFO |
| Keith Suchodolski | COO | SEVP and COO |
| Thomas Demedici | CCO | EVP and CCO |
| Cassia J. Beierle | GC | EVP and General Counsel |
| John V Dunne | CRO | EVP and CRO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Kearny Bank's total assets ranged from $7.59B (Q1 2026) to $7.97B (Q3 2023), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.67B total assets against $7.73B; $6.94B total liabilities against $7.02B.
$5.84B net loans and leases against $5.77B; $5.74B total deposits against $5.70B.
$1.07B securities against $1.13B; $99.3M cash and balances due against $155.0M.
$82.0M total interest income against $80.3M; $41.9M total interest expense against $44.8M.
$40.1M net interest income against $35.5M.
$5.3M total noninterest income against $5.1M; $33.1M total noninterest expense against $30.3M.
$1.1M provision for credit losses against $1.9M.
$7.3M net income against $6.9M.
0.38% return on assets against 0.36%; 2.25% net interest margin against 1.98%.
13.44% CET1 capital ratio against 13.61%; 8.83% tier 1 leverage ratio against 8.68%.
Inside the full Kearny Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Kearny Bank rankings
Its closest position to the top of a national ranking is 201 of 4,196, for total assets; its furthest is 3,346 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.32% (Q3 2024) to 0.54% (Q1 2026) and its net interest margin ran from 1.78% (Q3 2024) to 2.25% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.44% | 0.38% | 0.81% | 8.19% | 2.25% |
| Q1 2026 | 13.70% | 0.54% | 0.90% | 8.07% | 2.20% |
| Q4 2025 | 13.79% | 0.50% | 0.89% | 7.96% | 2.14% |
| Q3 2025 | 13.71% | 0.50% | 1.12% | 10.06% | 2.10% |
| Q2 2025 | 13.61% | 0.36% | 0.78% | 7.19% | 1.98% |
| Q1 2025 | 13.57% | 0.35% | 0.64% | 5.96% | 1.88% |
| Q4 2024 | 13.64% | 0.35% | 0.65% | 6.00% | 1.80% |
| Q3 2024 | 13.62% | 0.32% | 0.69% | 6.29% | 1.78% |
Swipe the table sideways to see every column.
Branch Network
View all 40 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kearny Bank (main office) | Kearny , NJ | 07032 | $1.39B |
| Point Pleasant Branch | Point Pleasant , NJ | 08742 | $291.9M |
| Pompton Plains Pequannock Branch | Pompton Plains , NJ | 07444 | $273.0M |
| Wood-Ridge Branch | Wood-Ridge , NJ | 07075 | $258.9M |
| North Bergen | North Bergen , NJ | 07047 | $184.3M |
| Sea Girt Branch | Sea Girt , NJ | 08750 | $161.3M |
| Millington Branch | Millington , NJ | 07946 | $152.1M |
| Clifton Svgs Br | Clifton , NJ | 07013 | $150.9M |
| Milltown Branch | Milltown , NJ | 08850 | $144.4M |
| Lyndhurst Branch | Lyndhurst , NJ | 07071 | $142.9M |
| 1055 Clifton Branch | Clifton , NJ | 07013 | $140.8M |
| Wallington Branch | Wallington , NJ | 07057 | $136.7M |
| Long Branch Branch | Long Branch , NJ | 07740 | $135.7M |
| Bradley Beach Branch | Bradley Beach , NJ | 07720 | $126.6M |
| Pine Brook Branch | Pine Brook , NJ | 07058 | $123.1M |
| North Arlington Branch | North Arlington , NJ | 07031 | $122.1M |
| Old Tappan Branch | Old Tappan , NJ | 07675 | $120.4M |
| Caldwell Branch | Caldwell , NJ | 07006 | $108.7M |
| Lanoka Harbor Lacey Branch | Lanoka Harbor , NJ | 08734 | $108.3M |
| 359 Lanza Avenue Branch | Garfield , NJ | 07026 | $100.7M |
| Little Silver Branch | Little Silver , NJ | 07739 | $96.4M |
| Riverwalk Branch | Basking Ridge , NJ | 07920 | $93.1M |
| West Orange Pleasantdale Branch | West Orange , NJ | 07052 | $87.9M |
| Toms River Branch | Toms River , NJ | 08753 | $84.6M |
| Matawan Old Bridge Branch | Matawan , NJ | 07747 | $79.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 25, 2021 | Structure Change | Acquired Millington Savings Service Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 2020 | Structure Change | Acquired Millington Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2018 | Structure Change | Acquired Clifton Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2014 | Structure Change | Acquired Atlas Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2010 | Structure Change | Acquired Central Jersey Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2003 | Structure Change | Acquired West Essex Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2002 | Structure Change | Acquired Pulaski Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1999 | Structure Change | Acquired South Bergen Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.2% of deposits in NJ, rank 17 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 624 applications, 465 loans originated, $295.5M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $227K approved, $227K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Kearny Bank
What are Kearny Bank's total assets?
As of the Q2 2026 filing, Kearny Bank reported total assets of $7.67 billion in its FFIEC call report.
Where is Kearny Bank headquartered?
It is headquartered in Fairfield, NJ, United States.
When was Kearny Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Kearny Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28765). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kearny Bank?
Kearny Bank's primary federal regulator is the FDIC.
What is Kearny Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Kearny Bank operate?
It operates 40 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kearny Bank's Texas Ratio?
Its Texas Ratio is 8.19% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Kearny Bank previously called?
The charter now named Kearny Bank has also operated as Kearny Federal Savings Bank (2011-2015), per FDIC structure-change records.
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