Kearny Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.25 percentage points higher than in Q1 2026, at 62.02%. Within New Jersey, Kearny Bank is 32nd of 49 on return on assets, 0.38% as of Q2 2026, below the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Kearny Bank reported 0.38% on return on assets in Q2 2026, 0.90 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.44% |
| Tier 1 risk-based capital ratio | 13.44% |
| Total risk-based capital ratio | 14.38% |
| Tier 1 leverage ratio | 8.83% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 8.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.25% |
| Non-performing assets ratio | 1.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 12.09% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 62.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.38% |
| Return on equity | 4.06% |
| Net interest margin | 2.25% |
| Efficiency ratio | 72.72% |
| Yield on earning assets | 4.60% |
| Cost of funds | 2.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.52% |
| Core deposits to total deposits | 82.61% |
| Brokered deposits to total deposits | 13.20% |
| Deposits to assets | 74.84% |
| Securities to assets | 13.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.20% | 13.20% | 13.97% | 8.29% | 0.48% |
| Q4 2023 | 13.12% | 13.12% | 13.87% | 8.10% | -0.68% |
| Q1 2024 | 13.50% | 13.50% | 14.27% | 8.35% | 0.37% |
| Q2 2024 | 13.65% | 13.65% | 14.42% | 8.44% | -4.60% |
| Q3 2024 | 13.62% | 13.62% | 14.48% | 8.53% | 0.32% |
| Q4 2024 | 13.64% | 13.64% | 14.49% | 8.63% | 0.35% |
| Q1 2025 | 13.57% | 13.57% | 14.41% | 8.65% | 0.35% |
| Q2 2025 | 13.61% | 13.61% | 14.49% | 8.68% | 0.36% |
| Q3 2025 | 13.71% | 13.71% | 14.66% | 8.73% | 0.50% |
| Q4 2025 | 13.79% | 13.79% | 14.75% | 8.86% | 0.50% |
| Q1 2026 | 13.70% | 13.70% | 14.64% | 8.92% | 0.54% |
| Q2 2026 | 13.44% | 13.44% | 14.38% | 8.83% | 0.38% |
Kearny Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kearny Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)