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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Kearny Bank

Kearny, New Jersey · $7.67B in assets · beside the 9 other New Jersey banks between $3B and $10B

The filing

513.9%
CRE / capital
10th of 10
102.5%
Loans / deposits
8th of 10
9.4%
Equity / assets
8th of 10

Kearny Bank is the third largest of the 10 New Jersey banks between $3B and $10B, with $7.67B in assets at 30 June 2026. Loans are 102.5% of deposits, 8th of 10 against a median of 98.2%, and equity is 9.4% of assets, 8th of 10. Loans grew +1.1% in the year, 8th of 10, and deposits grew 0.6%; the cohort's median loan growth is +3.9%.

Noncurrent loans are 0.81% of the book, 5th of 10 against a median of 0.84%; 0.08% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 62.6% of loans, 8th of 10 against a median of 47.7%, and 514% of capital, above the 300% screen, with construction at 37% against the 100% screen.

Return on assets is 0.46%, 8th of 10 against a median of 0.74%, on an efficiency ratio of 71.9%, 8th of 10. Five years ago it was 0.97%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 1.6% of loans).

Commercial real estate against capital, the 300% screenNJ banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 368% SM Sumitomo Mitsui Trust Bank U Sa 0% CR Cross River Bank 82% UB Unity Bank 237% MB Manasquan Bank 339% FB First Bank 339% AB Amboy Bank 396% PP Peapack Private Bank & Trust 406% BC BCB Community Bank 454% SS Spencer Savings Bank Sla 476% KB Kearny Bank 514%
Loans, year over yearNJ banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.9% PP Peapack Private Bank & Trust +14.7% UB Unity Bank +12.6% MB Manasquan Bank +6.9% AB Amboy Bank +4.8% CR Cross River Bank +4.5% SS Spencer Savings Bank Sla +3.3% FB First Bank +1.3% KB Kearny Bank +1.1% BC BCB Community Bank -9.2% SM Sumitomo Mitsui Trust Bank U Sa -21.8%

SBA 7(a), FY2008 to FY2026

Kearny Bank is the 38th largest 7(a) lender into New Jersey of 308, with $97M across 209 loans, 0.7% of everything approved in the state (TD Bank, National Association leads with $1.08B). 22 of its 22 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Jersey, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Monmouth, NJ$23M10th of 1602.1%quiet FY2017
Union, NJ$13M22nd of 1401.5%quiet FY2019
Middlesex, NJ$12M36th of 1501.0%quiet FY2022
Essex, NJ$10M28th of 1381.1%quiet FY2022
Ocean, NJ$9M25th of 1191.1%quiet FY2017
Passaic, NJ$8M26th of 1111.3%quiet FY2019
Bergen, NJ$6M58th of 1610.3%quiet FY2021
Montgomery, PA$5M58th of 1600.3%quiet FY2017
Morris, NJ$4M53rd of 1260.5%quiet FY2021
Hudson, NJ$4M48th of 1230.7%quiet FY2016
Camden, NJ$2M62nd of 1260.3%quiet FY2010
Warren, NJ$2M17th of 681.8%quiet FY2020
Atlantic, NJ$2M45th of 860.5%quiet FY2017
9 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services49$27M25.7%0.03%333rd of 2,596
Retail trade31$17M16.8%0.03%339th of 2,589
Other services29$15M14.4%0.04%284th of 2,248
Manufacturing18$12M11.3%0.03%417th of 2,246
Health care & social assistance23$6M6.2%0.01%493rd of 2,172
7(a) lenders into New Jersey, share of approvals since FY2008308 lenders on record; the ten largest and Kearny Bank
TB TD Bank, National Association 8.2% $1.08B · 7,092 loans FB Fulton Bank, National Association 6.7% $893M · 1,041 loans LO Live Oak Banking Company 4.3% $576M · 466 loans PB Provident Bank 4.3% $570M · 827 loans WF Wells Fargo Bank National Associa… 2.8% $364M · 1,445 loans UB Unity Bank 2.4% $322M · 413 loans N Newbank 2.2% $297M · 490 loans WS Wilmington Savings Fund Society F… 2.2% $296M · 379 loans TB The Bank of Princeton 2.2% $296M · 411 loans JC JPMorgan Chase Bank, National Ass… 2.2% $288M · 1,832 loans KB Kearny Bank 0.7% $97M · 209 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Kearny BankRankCohort median
Total CRE against capital, the 300% screen514%10th of 10368%
Construction against capital, the 100% screen37%6th of 1028%
Construction and land development, share of loans4.5%6th of 103.9%
Non-owner-occupied nonfarm nonresidential, share of loans15.7%3rd of 1022.8%
Total CRE, the guidance definition, share of loans62.6%8th of 1047.7%
CRE growth over 36 months, the third prong-4.2%3rd of 9+6.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Cross River Bank$8.53B0.1%83.0%2.79%2.69%1.4%89.0%12.1%
Peapack Private Bank & Trust$7.96B0.8%64.2%1.07%0.52%1.0%94.5%8.8%
Kearny Bank$7.67B0.5%71.9%0.81%0.02%0.8%102.5%9.4%
First Bank$4.09B0.9%56.0%0.86%0.39%1.4%101.5%11.1%
Spencer Savings Bank Sla$4.04B0.6%66.8%0.58%0.02%0.8%108.3%11.9%
Sumitomo Mitsui Trust Bank U Sa$3.92B1.7%51.7%0.00%0.00%0.0%0.0%13.9%
Manasquan Bank$3.59B0.7%59.8%0.64%0.28%0.8%96.1%9.3%
Unity Bank$3.18B2.0%41.3%1.23%-0.01%1.3%108.9%11.7%
Amboy Bank$3.12B2.6%34.2%0.30%-0.12%1.7%74.0%11.6%
BCB Community Bank$3.12B-0.5%75.2%2.85%0.79%1.7%100.3%10.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Kearny BankCohort median
20212026Change20212026Change
Loans$4.87B$5.88B+21%$2.20B$3.14B+43%
Deposits$5.56B$5.74B+3%$2.64B$3.22B+22%
NPA / loans1.64%0.81%-0.82 pts0.55%0.84%+0.29 pts
Efficiency57.6%71.9%+14.3 pts53.8%62.0%+8.2 pts
ROA0.97%0.46%-0.52 pts1.14%0.74%-0.39 pts

This read was prepared for Kearny Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Kearny Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $3B to $10B
Institution www.kearnybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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