Kearny Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 7.67 percentage points higher than in Q1 2026, at 36.64%. Kearny Bank ranks 12th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 102.52% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Kearny Bank sits 14.32 points higher, at 102.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.88B |
| Net loans and leases | $5.84B |
| Loans held for sale | $6.0M |
| Loans to total assets | 76.73% |
| Loan-to-deposit ratio | 102.52% |
| Net loans to equity capital | 8.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.26% |
| Multifamily (5+ residential) | 42.46% |
| Commercial and industrial | 3.81% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 514.96% |
| Construction concentration (Tier 1 capital + allowance) | 36.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.76% |
| Interest income on loans | $69.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.74B | $5.49B | 16.40% | 2.60% | 0.05% |
| Q4 2023 | $5.76B | $5.37B | 16.47% | 2.50% | 0.05% |
| Q1 2024 | $5.76B | $5.25B | 16.66% | 2.55% | 0.06% |
| Q2 2024 | $5.74B | $5.20B | 16.45% | 2.48% | 0.05% |
| Q3 2024 | $5.79B | $5.50B | 16.34% | 2.52% | 0.05% |
| Q4 2024 | $5.80B | $5.70B | 16.32% | 2.34% | 0.05% |
| Q1 2025 | $5.85B | $5.74B | 16.81% | 2.39% | 0.05% |
| Q2 2025 | $5.82B | $5.70B | 16.89% | 2.38% | 0.04% |
| Q3 2025 | $5.77B | $5.66B | 17.06% | 2.46% | 0.04% |
| Q4 2025 | $5.76B | $5.74B | 17.12% | 2.95% | 0.04% |
| Q1 2026 | $5.79B | $5.76B | 17.41% | 3.47% | 0.04% |
| Q2 2026 | $5.88B | $5.74B | 17.26% | 3.81% | 0.04% |
Kearny Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kearny Bank, freeSource: Call Report Schedule RC-C, 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)