Kearny Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Fairfield, Kearny Bank serves the New Jersey market as a community-focused commercial bank. Total assets stand at $7.7B. Returns are subdued: 0.38% ROA and 4.06% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 13.44% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 1.25% nonperforming loans and a 12.09% Texas Ratio. Kearny operates a 40-branch network.
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 1.25%, a Texas ratio of 12.09%, per financial data filed with the FFIEC.
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)
- Offices
- 40 domestic
- Employees (FTE)
- 520
- Domestic deposits
- $5.74B
- Allowance for credit losses
- $45.5M
- Net charge-offs (YTD)
- $675K
- 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 |
|---|---|---|
| Montanaro Craig | CEO | President and CEO |
| Byrnes Sean | CFO | EVP and CFO |
| Suchodolski Keith | COO | SEVP and COO |
| Demedici Thomas | CCO | EVP and CCO |
| Beierle Cassia J. | GC | EVP and General Counsel |
| Dunne John V | CRO | EVP and CRO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Kearny Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Kearny 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.44% | 0.38% | 1.25% | 12.09% | 2.25% |
| Q1 2026 | 13.70% | 0.54% | 1.38% | 12.35% | 2.20% |
| Q4 2025 | 13.79% | 0.50% | 0.97% | 8.65% | 2.14% |
| Q3 2025 | 13.71% | 0.50% | 1.09% | 13.05% | 2.10% |
| Q2 2025 | 13.61% | 0.36% | 1.12% | 10.29% | 1.98% |
| Q1 2025 | 13.57% | 0.35% | 1.03% | 9.53% | 1.88% |
| Q4 2024 | 13.64% | 0.35% | 0.93% | 8.54% | 1.80% |
| Q3 2024 | 13.62% | 0.32% | 0.69% | 6.29% | 1.78% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 40 branches →
| 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
What the public regulatory sources show for Kearny Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in NJ, rank 17 of 104 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Kearny Bank headquartered?
Kearny Bank is headquartered in Fairfield, NJ, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Kearny Bank founded?
Kearny Bank was established in 1884, per the FDIC institution directory.
Is Kearny Bank FDIC-insured?
Yes. Kearny Bank is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Kearny Bank's CET1 capital ratio?
Kearny Bank 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?
Kearny Bank 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?
Kearny Bank's Texas Ratio is 12.09% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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