🏦Bank Scorer

KEARNY BANK

KEARNY, NJ · Supervised by FDIC

Est. 1884FDIC #28,765RSSD: FDIC-28765
Part ofKEARNY FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.54%

Institution Profile

FDIC BankFind

Address

614 Kearny Ave, KEARNY, NJ

County

Hudson County

Established

January 1, 1884

Total Assets

$7.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$7.6B

Total Deposits

$5.8B

Net Loans

$5.7B

Net Income

$10M

ROA

0.54%

ROE

5.74%

Risk-Based Capital

14.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate5.70%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

43

Branch Deposits

$5.7B

1-Year Change

0

5-year net change: -4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202468478.22%5.70%
202362369.5%4.33%
20221,38773.18%5.98%
20212,03778.84%3.98%
20202,17376.71%3.27%
20191,33571.69%6.29%
201891369.99%13.14%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2019

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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