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614 Kearny Avenue
Kearny, NJ 07032

Kearny Federal Savings Bank was founded in 1884. By providing a superior level of service, they hope to earn your long-term loyalty and become your financial partner for many years to come. Whether it is a loan request, information on a deposit product or assistance with one of their other financial services, they pledge to respond quickly, professionally and in a manner that puts your needs first.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Kearny Federal Savings Bank had $25.53 million in non-current loans and owned real-estate with $484.5 million in equity and loan loss allowances on hand to cover it. This gives Kearny Federal Savings Bank a Texas Ratio of 5.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Kearny Federal Savings Bank decreased slightly from 6.89% as of June 30, 2013 to 5.27% as of June 30, 2014, resulting in a positive change of 23.51%.This indicates that the balance sheet and financial strength for Kearny Federal Savings Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Kearny Federal Savings Bank has increased its total deposits by $111.74 million, resulting in 4.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kearny Federal Savings Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kearny Federal Savings Bank has $3.49 billion in assets with $484.5 million in equity, resulting in a capitalization level of 13.87%, which is excellent.

Institution Statistics

FDIC Certificate #28765
Year Established1884
Primary RegulatorOCC
Assets and Liabilities
Assets$3.49 billion
Loans$1.73 billion
Deposits$2.49 billion
Equity Capital$472.11 million
Loan Loss Allowance$12.39 million
Unbacked Noncurrent Loans$23.47 million
Real Estate Owned$2.06 million
Historic Data - June 2013
Assets$3.13 billion
Equity Capital$447.50 million
Loan Loss Allowance$10.90 million
Unbacked Noncurrent Loans$23.47 million
Real Estate Owned$2.50 million
Profit Margin - Quarterly
Return on Assets0.28%
Return on Equity2.06%
Interest Income$48.65 million

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Kearny Federal Savings Bank Savings Account Rates

0.25%$25-Statement Savings IRA
0.15%--Passbook Savings
0.15%--KFS Kid's Club Account
0.15%--Holiday Club
0.15%--Statement Savings

Kearny Federal Savings Bank Money Market Rates

0.35%$50k-Tiered Money Market Account
0.10%$2,500-Money Market Account

Kearny Federal Savings Bank Checking Account Rates

0.76%-$25kHigh Yield Checking - Qualifying
0.25%--Star Checking
0.10%$100-N.O.W. Checking
0.10%--Gen Gold Checking
0.05%--High Yield Checking - Non Qualifying

Kearny Federal Savings Bank CD Rates

2.05%$500-5 Year StarBanking Plus CD
1.90%$500-5 Year CD
1.80%$500-54 Month StarBanking Plus CD
1.65%$500-4 Year StarBanking Plus CD
1.65%$500-54 Month CD
1.50%$500-4 Year CD
1.15%$500-3 Year StarBanking Plus CD
1.00%$500-3 Year CD
1.00%$500-2 Year StarBanking Plus CD
0.90%$1k-29 Month Step-Up CD
0.85%$500-2 Year CD
0.60%$500-1 Year StarBanking Plus CD
0.45%$500-1 Year CD
0.45%$1k-17 Month Step-Up CD
0.30%$1k-6 Month CD
0.15%$1k-91 Day CD
0.05%$25k-30 Day CD

Kearny Federal Savings Bank IRA Rates

2.05%$500-5 Year StarBanking Plus IRA
1.90%$500-5 Year IRA
1.80%$500-54 Month StarBanking Plus IRA
1.65%$500-4 Year StarBanking Plus IRA
1.65%$500-54 Month IRA
1.50%$500-4 Year IRA
1.15%$500-3 Year StarBanking Plus IRA
1.00%$500-3 Year IRA
1.00%$500-2 Year StarBanking Plus IRA
0.90%$1k-29 Month Step-Up IRA
0.85%$500-2 Year IRA
0.60%$500-1 Year StarBanking Plus IRA
0.45%$500-1 Year IRA
0.45%$1k-17 Month Step-Up IRA
0.30%$100-1 Year Variable Rate IRA

Kearny Federal Savings Bank has 41 locations. Click to view all Kearny Federal Savings Bank locations.