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Kearny Bank

$1B-$10B Specialty: Commercial NJ FDIC cert 28765

Designations: ✓ Community bank

Kearny, NJ

40 branches across NJ · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
  • Deposits +0.6% year over year ($5.7B on the books).
  • Delinquency rate 0.82%.
  • Return on assets 0.46%.
  • Efficiency ratio 71.67% vs a 59.73% peer average.
  • Loan-to-deposit ratio 101.73% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in NJ
View $1B-$10B leaderboard (NJ) →

Kearny Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.2% in tier
  • - Flatlined Growth: Bottom 3.7% in tier
  • - Liquidity Strain: Bottom 34.3% in tier
  • - Return on Assets 0.93% below tier average
  • - Net Interest Margin 1.59% below tier average
  • - Efficiency Ratio 11.94% above tier average
Get updates when Kearny Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $7.7B
-0.8% YoY +1.0% QoQ
+$4.9B $2.8B
-0.6% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
Top 5.0% in tier
Total Loans ? $5.8B
+1.1% YoY +1.6% QoQ
+$3.9B $2.0B
-0.3% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
Top 3.8% in tier
Total Deposits ? $5.7B
+0.6% YoY -0.3% QoQ
+$3.4B $2.3B
-0.5% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
Top 6.4% in tier
Return on Assets ? 0.46%
+30.3% YoY -14.7% QoQ
-0.93% 1.39%
+17.0% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 6.8% in tier
Net Interest Margin ? 2.28%
+15.3% YoY +1.3% QoQ
-1.59% 3.87%
+6.2% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 2.5% in tier
Efficiency Ratio ? 71.67%
-5.7% YoY +1.5% QoQ
+11.94% 59.73%
-12.6% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 0.82%
+3.9% YoY -10.0% QoQ
-0.05% 0.87%
+11.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 101.73%
+0.5% YoY +1.9% QoQ
+16.69% 85.04%
-0.1% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
Bottom 11.4% in tier
Non-Interest-Bearing Deposit Share ? 14.06%
+33.1% YoY +24.2% QoQ
-7.21% 21.27%
-1.5% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.70%
+18.1% YoY +1.0% QoQ
+0.02% 0.67%
+11.7% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 13.44%
-1.3% YoY -1.9% QoQ
-1.41% 14.84%
-0.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.15%
+19.6% YoY +84.7% QoQ
-0.38% 0.53%
+2.5% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
19%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 14.1%
+3.5pp YoY
+2.7pp QoQ
 -7.3pp 21.4% 16.6% 22.2% 23%
Brokered Deposits 13.2%
-0.1pp YoY
0.0pp QoQ
 +3.7pp 9.5% 10.1% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 3.8%
+1.4pp YoY
+0.3pp QoQ
 -10.2pp 14.0% 6.5% 12.5% 13%
CRE 64.7%
-2.3pp YoY
-0.9pp QoQ
 +14.7pp 50.0% 56.3% 41.4% 82%
1-4 Family 32.2%
+0.8pp YoY
+0.5pp QoQ
 +5.8pp 26.4% 39.4% 31.3% 70%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 4.3% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 13.4%
-0.2pp YoY
-0.3pp QoQ
 -2.2pp 15.6% 18.8% 19.7% 49%
Leverage Ratio 8.8%
+0.2pp YoY
-0.1pp QoQ
 -2.5pp 11.3% 13.4% 12.6% 9%
Total Capital Ratio 14.4%
-0.1pp YoY
-0.3pp QoQ
 -2.3pp 16.7% 19.8% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 520
-14 (-2.6%) YoY
-17 (-3.2%) QoQ
 +206 313 336 482 85%
Assets per Employee ($) $14.7M
+1.9% YoY
+4.3% QoQ
 +$4.3M $10.5M $11.2M $8.8M 88%
Branch Count 40
-3 (-7.0%) YoY
0 QoQ
 +20 20 20 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.8%
0.0pp YoY
-0.1pp QoQ
 0.0pp 0.8% 0.8% 1.0% 67%
Allowance Coverage 0.95x
-6.2% YoY
+11.3% QoQ
 -17.76x 18.71x 6.57x 20.23x 21%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 4.9%
+1.0pp YoY
-0.8pp QoQ
 -7.7pp 12.6% 6.4% 11.6% 8%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.9% 1.9% 1.7% 80%
Net Income ($, YTD) $17.6M
+28.6% YoY
— QoQ
 -$1.6M $19.2M $19.8M $40.4M 66%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#2 of 402 • Bottom 0.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Flatlined Growth

risk
#7 of 162 • Bottom 3.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.46%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#125 of 361 • Bottom 34.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 101.73%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

35
Total Loans
size
Value: $5.84B
Peer Median: $1.96B
#35 of 885 Top 3.8% in $1B-$10B
45
Total Assets
size
Value: $7.67B
Peer Median: $2.79B
#45 of 885 Top 5.0% in $1B-$10B
58
Total Deposits
size
Value: $5.74B
Peer Median: $2.32B
#58 of 885 Top 6.4% in $1B-$10B

Top Weaknesses (6 metrics)

864
Net Interest Margin
profitability
Value: 2.28%
Peer Median: 3.87%
#864 of 885 Bottom 2.5% in $1B-$10B
826
Return on Assets
profitability
Value: 0.46%
Peer Median: 1.39%
#826 of 885 Bottom 6.8% in $1B-$10B
785
Loan-to-Deposit Ratio
liquidity
Value: 101.73%
Peer Median: 85.04%
#785 of 885 Bottom 11.4% in $1B-$10B
726
Efficiency Ratio
profitability
Value: 71.67%
Peer Median: 59.73%
#726 of 885 Bottom 18.1% in $1B-$10B
718
Non-Interest Income / Assets
revenue_mix
Value: 0.15%
Peer Median: 0.53%
#718 of 885 Bottom 19.0% in $1B-$10B
675
Non-Interest-Bearing Deposit Share
funding
Value: 14.06%
Peer Median: 21.27%
#675 of 885 Bottom 23.8% in $1B-$10B
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