| Metric | Kearny Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +5.5% | -6.3 pts |
| Deposit growth (YoY) | +0.6% | +5.1% | -4.5 pts |
| Loan growth (YoY) | +1.1% | +5.9% | -4.8 pts |
| ROA | 0.46% | 1.26% | -0.8 pts |
| ROE | 4.9% | 12.2% | -7.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.67B | $5.74B | $5.84B | $721.3M | $17.6M | 0.46% | 2.28% | 0.70% |
| Q1 2026 | $7.59B | $5.76B | $5.75B | $719.3M | $10.3M | 0.54% | 2.25% | 0.69% |
| Q4 2025 | $7.61B | $5.74B | $5.72B | $714.6M | $32.9M | 0.43% | 2.07% | 0.67% |
| Q3 2025 | $7.63B | $5.66B | $5.73B | $711.5M | $23.3M | 0.40% | 2.03% | 0.85% |
| Q2 2025 | $7.73B | $5.70B | $5.77B | $702.6M | $13.7M | 0.35% | 1.97% | 0.59% |
| Q1 2025 | $7.72B | $5.74B | $5.81B | $703.5M | $6.8M | 0.35% | 1.92% | 0.49% |
| Q4 2024 | $7.72B | $5.70B | $5.75B | $698.9M | $-69.7M | -0.90% | 1.87% | 0.49% |
| Q3 2024 | $7.76B | $5.50B | $5.75B | $703.7M | $-76.4M | -1.31% | 1.88% | 0.51% |
Loan mix (Q2 2026): real estate $5.66B · commercial $223.9M · consumer $2.4M · securities $1.07B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Kearny Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 1.26% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 12.2% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 59.0% | 82th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Kearny Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Kearny Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Kearny Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Kearny Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.