BlastPoint's Banking Scorecard
Kearny Bank
Designations: ✓ Community bank
Kearny, NJ
40 branches across NJ · NY
Kearny Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1.3% in tier
- - Liquidity Strain: Bottom 18.3% in tier
- - Net Interest Margin 1.57% below tier average
- - ROA 0.82% below tier average
- - Efficiency Ratio 9.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.6B
-1.7% YoY
-0.2% QoQ
|
+$4.8B |
$2.8B
-0.1% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
Top 5.7% in tier |
| Total Loans ? |
$5.7B
-1.1% YoY
+0.5% QoQ
|
+$3.8B |
$2.0B
+0.6% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
Top 4.3% in tier |
| Total Deposits ? |
$5.8B
+0.3% YoY
+0.3% QoQ
|
+$3.4B |
$2.3B
-0.3% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Top 7.2% in tier |
| Return on Assets ? |
0.54%
+53.9% YoY
+26.3% QoQ
|
-0.82% |
1.37%
+19.6% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.3% in tier |
| Net Interest Margin ? |
2.25%
+16.9% YoY
+8.7% QoQ
|
-1.57% |
3.82%
+6.9% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio ? |
70.60%
-9.1% YoY
-3.8% QoQ
|
+9.54% |
61.06%
-4.6% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.91%
+40.5% YoY
+1.6% QoQ
|
+0.02% |
0.89%
+14.1% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
99.84%
-1.4% YoY
+0.2% QoQ
|
+15.63% |
84.20%
+0.3% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.32%
+6.9% YoY
+0.4% QoQ
|
-9.97% |
21.29%
-2.5% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.9% in tier |
| Nonperforming Asset Ratio ? |
0.69%
+41.4% YoY
+2.3% QoQ
|
+0.02% |
0.67%
+15.6% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
13.70%
+1.0% YoY
-0.7% QoQ
|
-1.46% |
15.16%
+2.0% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.08%
+35.5% YoY
-70.6% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.