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Kearny Bank
Kearny, NJ·FDIC Cert #28765·Charter: STATE·Est. 18840101.0·HC: KEARNY FINANCIAL CORP
Total Assets
$7.6B
Q4 2025
Return on Assets
0.43%
+0.02%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
73.43%
Peer avg: 57.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
47
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.43%+0.02
ROE
4.66%+0.24
Efficiency
73.43%-1.02
Equity/Assets
0.00%+0.00
NPL Ratio
0.90%-0.23
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.66%-1.64
Charge-offs
0.04%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | -2.1 | -1.3 | -0.9 | 0.4 | 0.4 | 0.4 | 0.4 |
| ROE | 3.8 | -21.8 | -13.7 | -9.5 | 3.9 | 3.9 | 4.4 | 4.7 |
| Efficiency | 74.7 | 74.0 | 75.6 | 76.2 | 77.7 | 76.0 | 74.4 | 73.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.7 | 0.7 | 0.6 | 0.8 | 1.1 | 0.9 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 108.9 | 109.6 | 104.5 | 100.9 | 101.2 | 101.2 | 101.3 | 99.7 |
Balance Sheet
Total Assets$7.6B
Total Deposits$5.7B
Total Loans$5.7B
Total Equity$714.6M
Profitability
ROA0.43%
ROE4.66%
Efficiency Ratio73.43%
Net Income$32.9M
Risk & Asset Quality
NPL Ratio0.90%
Charge-off Rate0.04%
Loan/Deposit99.66%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans