# KEARNY BANK
KEARNY, NJ · FDIC certificate 28765 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.67B | |
| Deposits | $5.74B | |
| Loans and leases | $5.88B | |
| Total equity | $721.3M | |
| Loans / deposits | 101.73% (p89 of band) | 87.10% |
| Liquid assets / assets | 15.27% (p24 of band) | |
| Uninsured deposits / deposits | 39.15% (p71 of band) | 30.76% |
| Brokered deposits | 9.88% | |
| Wholesale funding | 25.15% (p93 of band) | |
| FHLB advances / assets | 15.00% | |
| Tier 1 leverage | 8.83% (p9 of band) | 10.50% |
| Unrealized securities loss / equity | -15.01% (p28 of band) | -7.75% |
| AOCI / equity | 0.56% (p94 of band) | |
| ROA (annualized) | 0.46% (p8 of band) | 1.26% |
| Net interest margin | 2.28% (p3 of band) | 3.70% |
| Efficiency ratio | 71.67% (p82 of band) | |
| Noncurrent loans | 0.81% (p66 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p45 of band) | |
| Reserve coverage of noncurrent | 94.99% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 36.31% (p37 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 520 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | expense ratio p90 |  |
| 2013-06 | 4 | wholesale funding >15%, NIM <2.5% |  |
| 2013-09 | 4 | capital falling | NIM <2.5% |
| 2013-12 | 3 |  | capital falling |
| 2014-03 | 4 | NIM <2.5% |  |
| 2014-06 | 3 |  | expense ratio p90 |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 4 | expense ratio p90 |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 5 | capital falling |  |
| 2016-03 | 4 |  | expense ratio p90 |
| 2016-06 | 3 |  | reserve under noncurrent |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | loans exceed deposits |  |
| 2017-06 | 4 | capital falling |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | NIM <2.5% |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | loans exceed deposits |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | capital falling, reserve under noncurrent |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | noncurrent p90 |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | noncurrent p90 |
| 2023-03 | 4 | loans exceed deposits, NIM <2.5% | reserve under noncurrent |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 4 | deposits shrinking |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | assets shrinking |  |
| 2024-06 | 5 | losing money | assets shrinking |
| 2024-09 | 4 |  | deposits shrinking |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | losing money |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | reserve under noncurrent |  |
| 2025-12 | 3 |  | loans exceed deposits |
| 2026-03 | 3 |  |  |
| 2026-06 | 4 | loans exceed deposits |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-23 [Kearny Bank’s Ross receives NJBankers Woman of Impact Award - ROI-NJ](https://news.google.com/rss/articles/CBMiowFBVV95cUxQRjZjekFKU0NTZHUwQ0c0UXpER2VwTjlFM3FaVmJhY3VhN25UbFhEZ0RiX3ZIUHFzWjNIYWRQNjlGd2lVOGJNODE4Zl9RcjdUcVBJd29iR0huWVhJZTRGYU9xZjdkYUdOTENvR2EtelM1QlcyTlRBTzFWWUlsaHV2MzcxX3Q1LUt5aG9DNDVfdWh0SjlNSHFfdzNOR1dRak1JOS1Z?oc=5) · ROI-NJ
- 2026-08-03 [Kearny Bank Donates Over $592K to Nonprofits - New Jersey Business & Industry Association](https://news.google.com/rss/articles/CBMib0FVX3lxTE1XVk9PWW5ZLUN4WWNlRkxmdDd4ZlViaEhOOFdjUFdrM3QwQnhiaVJvVEU1UjN5Qmlkd2ZubEdMMGNEOTRKRWZfVS1WOXd6dHVHdlkzT2pHdEVXUEVNOTVzUDFzUUtXaGhHN1d1cXl3Zw?oc=5) · New Jersey Business &amp; Industry Association
- 2026-07-14 [Kearny Bank adds 1031 exchange services for Long Island investors - Long Island Business News](https://news.google.com/rss/articles/CBMihwFBVV95cUxNN3U0RUVRTmZ5VHd1VWdwb3lXQ2Y5aG56bDFNZUlLdXJsWUR4M0lhWERjUktxYUhNMEFZRERlbGszbmhOM1RjLUZvdmJwMmh1RHE5N1RMZzVTa1BCRzNscDZWQ0k3aEF5T1JHME5OYmVvclhTejFJT0k5aTVtSWF0YjR4c3MyMmM?oc=5) · Long Island Business News
- 2026-02-07 [Kearny Bank finances $37.25M warehouse project in Warren County - WRNJ Radio](https://news.google.com/rss/articles/CBMijgFBVV95cUxPbVlMQVQ2bzhOekg0b3pXZE1iTWtXYlhfODA1RE1oR0RfcHMycWJQcjM3NTZSRzdzYjd2SzVNQk1OaUNMZEFNSHFtb3pWUk5qN2dpZ3hlOFcxTEtoQXA1WWVpUUZueDI3THo2RjBLRDFvVVUyU3paQ0kyWWE5NmlaanhMdVhzWndTN1VjRmlR?oc=5) · WRNJ Radio
- 2026-02-05 [Kearny Bank lends $37 million for 354,000 sq. ft. warehouse project in Warren County - Real Estate NJ](https://news.google.com/rss/articles/CBMioAFBVV95cUxPWDJmTHNBZDdHN0F6UDZ4azZRckc1Mnd4WXlZSHdrSm1oR0lZeThEd0JaMnlvUUM3WmZSQ1g2MlRoT3V5azk4d0dsdlVuQkM2NGF2NURBNERmMjc1emNFQjV0TFEtTUJTc0F2S2hpeHJqcWxqQ0dlQjRpek16RXBEeEFDUzM2bWl4UHJMdWQyay1ibW8tRnlnR2VXczRoYTla?oc=5) · Real Estate NJ
- 2026-06-26 [Kearny Bank bulks up service to mid-size firms by adding veteran corporate banking team - ROI-NJ](https://news.google.com/rss/articles/CBMiygFBVV95cUxPZmJoekZDMHBZaS1od3BkbGY5TnNqYV9jeEgzY2FyM2hZb2FEWGxOZ2I4MW4tMVhEVjd4ZldKZUR5WjlCbHhUQ1RBSW11dU5fazVfRnRfYlcwd1hsQVRvNXdvSmZKTExIZEdvNUNncUdSWVhwR2YyRnVXM2FfTnV5bjFPaTJQQlljSDQ2RWViRkw5ZXhRMzVIYzZBcVlvdW1ZTGJYRnhNYjRYXzUtN1kwaFFxeXhpYjRmT3FWRkpfMFRpem1BMmlwQzlB?oc=5) · ROI-NJ
- 2025-11-19 [Provident leads New Jersey savings banks rankings (updated) - NJBIZ](https://news.google.com/rss/articles/CBMidkFVX3lxTFBoSVQzSFdZSmdLTl95emI2ODhsbjhMbVQxQjVuakdFZy0zR0tpZnlBdndPNzBqbDU0UlAxU3d1Rm9EcDlINV9SVXNGMjZnY3kwVEdhNUY1ZlFBRG4tMDBSTUFqdTE1V3hYY1ZzVXlLTV9tNnVBdWc?oc=5) · NJBIZ
- 2025-10-07 [Kearny Financial May Not Be The Bargain That It Appears To Be (NASDAQ:BCBP) - Seeking Alpha](https://news.google.com/rss/articles/CBMipAFBVV95cUxNbHZaNG9fc0pwdzN3R1hhMW5GODZkVW0wN0g3QVZ2U1FBUEZWYlJwSnRXQ1J5d3EtTHJKTHUxUHlreUVPWXBfa2MyLUR1RU56YXVKQVA1azd6c2sybnBTcWtCNHczaVdjSGpqZjQzS2FzcnZJaEtXaW9rNG5xQ1dxOTBtVXRjLUxHbnpMSUwwNlhiRy1SWWUxV1Y3bDBuc0luY1BlSw?oc=5) · Seeking Alpha

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28765 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "28765", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide