Kearny Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 3.8% from Q1 2026 to Q2 2026, ending at -$63.0M against -$65.4M. It was the largest change among the key lines on this page. Within New Jersey, Kearny Bank is 23rd of 37 on CET1 ratio, 13.44% as of Q2 2026, below the middle of the field. At 13.44%, Kearny Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.44% |
| Tier 1 risk-based capital ratio | 13.44% |
| Total risk-based capital ratio | 14.38% |
| Tier 1 leverage ratio | 8.83% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $669.4M |
| Tier 1 capital | $669.4M |
| Total risk-based capital | $716.3M |
| Total equity capital | $721.3M |
| Risk-weighted assets | $4.98B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 8.04% |
| Equity capital to average assets | 9.38% |
| Internal capital growth rate | -0.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50.0M |
| Common stock surplus | $891.3M |
| Retained earnings | -$140.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$63.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.20% | 13.20% | 13.97% | 8.29% | $5.00B |
| Q4 2023 | 13.12% | 13.12% | 13.87% | 8.10% | $4.88B |
| Q1 2024 | 13.50% | 13.50% | 14.27% | 8.35% | $4.80B |
| Q2 2024 | 13.65% | 13.65% | 14.42% | 8.44% | $4.78B |
| Q3 2024 | 13.62% | 13.62% | 14.48% | 8.53% | $4.82B |
| Q4 2024 | 13.64% | 13.64% | 14.49% | 8.63% | $4.83B |
| Q1 2025 | 13.57% | 13.57% | 14.41% | 8.65% | $4.86B |
| Q2 2025 | 13.61% | 13.61% | 14.49% | 8.68% | $4.86B |
| Q3 2025 | 13.71% | 13.71% | 14.66% | 8.73% | $4.84B |
| Q4 2025 | 13.79% | 13.79% | 14.75% | 8.86% | $4.83B |
| Q1 2026 | 13.70% | 13.70% | 14.64% | 8.92% | $4.89B |
| Q2 2026 | 13.44% | 13.44% | 14.38% | 8.83% | $4.98B |
Kearny Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kearny Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Kearny Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28765) · FFIEC NIC profile (RSSD 633378)