Kearny Bank: how it compares with its peers
Against 226 U.S. banks with half to twice its assets, Kearny Bank's strongest measure in Q2 2026 is assets per employee ($14.7M vs. a $10.0M peer median). Its weakest relative measure is net interest margin (2.28% vs. 3.70%).
| Measure | Kearny Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.46% | 1.34% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.28% | 3.70% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.67% | 54.91% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.7M | $10.0M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.73% | 88.12% | Context |
What it means for lending operations
Its efficiency ratio of 71.67% is above the 54.91% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Ocean Bank Miami, FL · $7.63B
- Equity Bank Andover, KS · $7.71B
- Bank of Colorado Fort Collins, CO · $7.61B
- Preferred Bank Los Angeles, CA · $7.73B
- Bangor Savings Bank Bangor, ME · $7.74B
- Stockman Bank of Montana Miles City, MT · $7.75B
Questions about Kearny Bank
How big is Kearny Bank?
Kearny Bank, established in 1884, is headquartered in Kearny, NJ. It reported $7.67B in total assets in its Q2 2026 FDIC call report and operates 40 offices.
What is Kearny Bank's return on assets?
0.46% annualized in Q2 2026, against a 1.34% median for 226 U.S. banks with half to twice its assets, ahead of 8% of them.
What is Kearny Bank's efficiency ratio?
71.67% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 54.91%, and lower is better.
Is Kearny Bank growing its loans?
Net loans grew 1.1% over the year to Q2 2026, while deposits grew 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.