Kearny Bank (FDIC certificate #28765) is based in Kearny, New Jersey. Its Q2 2026 call report shows $7.7B in total assets and $5.7B in deposits and 40 offices across 2 states.
Based on its Q2 2026 filing, Kearny Bank scores 51/100, which we describe as below average. That is higher than only 8% of 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 46th. Its strongest component is problem-loan coverage (86/100; 7.0%), and its lowest is funding & liquidity (32/100; 102% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (51 → 51).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 44 |
| Q4 2024 | 45 |
| Q1 2025 | 52 |
| Q2 2025 | 51 |
| Q3 2025 | 48 |
| Q4 2025 | 51 |
| Q1 2026 | 51 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.44% |
| Q3 2024 | 8.53% |
| Q4 2024 | 8.63% |
| Q1 2025 | 8.65% |
| Q2 2025 | 8.68% |
| Q3 2025 | 8.73% |
| Q4 2025 | 8.86% |
| Q1 2026 | 8.92% |
| Q2 2026 | 8.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.78% |
| Q3 2025 | 1.12% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.90% |
| Q2 2026 | 0.81% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -2.12% |
| Q3 2024 | -1.31% |
| Q4 2024 | -0.90% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $7.7B | 8.83% | 0.81% | 0.46% | 101.7% |
| Q1 2026 | 51 | $7.6B | 8.92% | 0.90% | 0.54% | 99.8% |
| Q4 2025 | 51 | $7.6B | 8.86% | 0.89% | 0.43% | 99.7% |
| Q3 2025 | 48 | $7.6B | 8.73% | 1.12% | 0.40% | 101.3% |
| Q2 2025 | 51 | $7.7B | 8.68% | 0.78% | 0.35% | 101.2% |
| Q1 2025 | 52 | $7.7B | 8.65% | 0.64% | 0.35% | 101.2% |
| Q4 2024 | 45 | $7.7B | 8.63% | 0.65% | -0.90% | 100.9% |
| Q3 2024 | 44 | $7.8B | 8.53% | 0.69% | -1.31% | 104.5% |
| Q2 2024 | 43 | $7.7B | 8.44% | 0.69% | -2.12% | 109.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peapack Private Bank & TrustBank Bedminster, NJ | 53 out of 100, Below average | $8.0B | 9.0% | 1.07% | vs |
| Cross River BankBank Fort Lee, NJ | 42 out of 100, Below average | $8.5B | 11.8% | 2.79% | vs |
| First BankBank Hamilton, NJ | 59 out of 100, Moderate | $4.1B | 10.2% | 0.86% | vs |
| Spencer Savings Bank, SLABank Elmwood Park, NJ | 61 out of 100, Moderate | $4.0B | 11.2% | 0.58% | vs |
| Sumitomo Mitsui Trust Bank (U.S.A.) LimitedBank Hoboken, NJ | 85 out of 100, Very strong | $3.9B | 12.7% | 0.00% | vs |
| Manasquan BankBank Manasquan, NJ | 59 out of 100, Moderate | $3.6B | 9.7% | 0.64% | vs |
Deposit insurance
Is my money safe at Kearny Bank?
Yes. Kearny Bank is an FDIC-insured institution (FDIC certificate #28765). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.1% of deposits ($2.2B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.38% (benchmark: 10%).
40 locations
Branches
Kearny Bank lists 40 offices in 38 cities across 2 states. Most locations:
- Brooklyn, NY (2)
- Clifton, NJ (2)
- Basking Ridge, NJ (1)
- Belmar, NJ (1)
- Bernardsville, NJ (1)
- Bradley Beach, NJ (1)
- Brick, NJ (1)
- Caldwell, NJ (1)
- Fair Lawn, NJ (1)
- Garfield, NJ (1)
- Harrison, NJ (1)
- Kearny, NJ (1)
HMDA 2025
Mortgage lending
In 2025, Kearny Bank reported 609 home-loan applications under HMDA (LEI 549300N6U5XCH70TOK35): 465 originated ($295,485,000 total), 36 denied, and 104 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Kearny Bank
- Former names
- Kearny Federal Savings Bank; Kearny Federal Savings and Loan Association
- Type
- SI
- FDIC certificate #
- 28765
- RSSD ID
- 633378
- Primary regulator
- FDIC
- Holding company
- Kearny Financial Corp
- Established
- January 1, 1884
- Headquarters
- 614 Kearny Ave, Kearny, NJ 07032
- Website
- www.kearnybank.com
- Employees
- 520
Quick answers
Kearny Bank: common questions
Is Kearny Bank FDIC insured?
Yes. Kearny Bank is an FDIC-insured institution (FDIC certificate #28765). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Kearny Bank's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Kearny Bank ever failed?
There is no failure record for FDIC certificate #28765 in the FDIC failed bank list.
How many branches does Kearny Bank have?
40 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Kearny
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |