BlastPoint's Banking Scorecard
Kearny Bank
Mid-Market
Specialty: Commercial
NJ
FDIC cert 28765
Designations: ✓ Community bank
Kearny, NJ
201
banks in Mid-Market tier nationally
7 in NJ
View Mid-Market leaderboard (NJ) →
Kearny Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1% in Mid-Market
- - Liquidity Strain: Bottom 23% in Mid-Market
- - Net Interest Margin 1.33% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.6B
-1.5% YoY
-0.4% QoQ
|
-$2.9B |
$10.5B
+2.9% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$5.7B
-0.6% YoY
-0.2% QoQ
|
-$1.4B |
$7.1B
+4.5% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$5.7B
+0.6% YoY
+1.4% QoQ
|
-$2.8B |
$8.5B
+3.0% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.43%
+147.8% YoY
+6.1% QoQ
|
-0.73% |
1.16%
+9.4% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.07%
+10.7% YoY
+1.8% QoQ
|
-1.33% |
3.40%
+7.9% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
73.43%
-3.6% YoY
-1.4% QoQ
|
+16.82% |
56.60%
-3.2% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.90%
+37.0% YoY
-20.4% QoQ
|
+0.21% |
0.68%
+12.0% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
99.66%
-1.2% YoY
-1.6% QoQ
|
+14.19% |
85.47%
+1.1% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.28%
+3.6% YoY
+6.7% QoQ
|
-9.36% |
20.64%
-0.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.67%
+38.1% YoY
-20.3% QoQ
|
+0.18% |
0.50%
+7.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
13.79%
+1.1% YoY
+0.6% QoQ
|
+0.24% |
13.55%
+1.8% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.27%
+7.7% YoY
+35.2% QoQ
|
-0.68% |
0.96%
+7.1% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#1 of 44 · Bottom 1% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.43%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#19 of 80 · Bottom 23% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.66%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
2.07%
(Tier avg: 3.40%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Loan-to-Deposit Ratio
Current: 99.66% · Tier avg: 85.47%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.79% · Tier avg: 13.55%
46
46th pctile
Total Loans
Current: $5.7B · Tier avg: $7.1B
41
41th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
34
34th pctile
Total Deposits
Current: $5.7B · Tier avg: $8.5B
29
29th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.68%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 11.28% · Tier avg: 20.64%
14
14th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.96%
12
12th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
10
10th pctile
Efficiency Ratio
Current: 73.43% · Tier avg: 56.60%
8
8th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.40%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.40%
10
10th pctile
Efficiency Ratio
Current: 73.43% · Tier avg: 56.60%
12
12th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
14
14th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.96%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 11.28% · Tier avg: 20.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.68%
34
34th pctile
Total Deposits
Current: $5.7B · Tier avg: $8.5B
41
41th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
46
46th pctile
Total Loans
Current: $5.7B · Tier avg: $7.1B
66
66th pctile
Tier 1 Capital Ratio
Current: 13.79% · Tier avg: 13.55%
87
87th pctile
Loan-to-Deposit Ratio
Current: 99.66% · Tier avg: 85.47%