MEDIUMBuilt-inLoan_portfolio
42.5%
multi-family mortgage loans
“10-K Item 1: 'At June 30, 2026, multi-family mortgage loans totaled $2.50 billion, or 42.5% of our loan portfolio'”
KRNY · Concentration risk · 10-K extracted
Kearny Financial (KRNY) concentration risks
Updated
The most significant concentration Kearny Financial discloses is multi-family mortgage loans at 42.5%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Source: Kearny Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 5 disclosed concentrations
HIGH0
MEDIUM4
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
non-owner occupied commercial real estate
“10-K Item 1A: 'Our level of non-owner occupied commercial real estate equaled 515% of Bank total risk-based capital at June 30, 2026'”
MEDIUMBuilt-inGeographic
New Jersey and New York
“10-K Item 1: 'Our lending is concentrated in New Jersey and New York'”
MEDIUMBuilt-inRegulatory
New Jersey Department of Banking and Insurance
“10-K Item 1: 'the Bank is primarily regulated by the New Jersey Department of Banking and Insurance'”
LOWOutside partyLoan_portfolio
11.2%
public funds deposits
“10-K Item 1A: '$638.8 million, or 11.2% of our total deposits, consisted of public funds deposits from local government entities in the state of New Jersey'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-10-18Kearny Financial's concentrations are mostly structural features of a Northeast commercial-real-estate lender, and most are medium-share. Multi-family mortgage loans totaled $2.50 billion, or 42.5% of the loan portfolio, and non-owner occupied commercial real estate equaled 515% of Bank total risk-based capital. Both tie credit quality to property values, rent regulation and refinancing conditions, and the capital ratio is the metric regulators watch most closely for this kind of book. Geography reinforces the same risk: lending is concentrated in New Jersey and New York, so a regional downturn would hit the portfolio together rather than diversify. The Bank is also primarily regulated by the New Jersey Department of Banking and Insurance, a structural supervisory relationship. The funding side adds one dependency: $638.8 million, or 11.2% of total deposits, consisted of public funds deposits from local government entities in the state of New Jersey. This is a low-share exposure, but such balances are typically collateralized and rate-sensitive. Netting these out, the real estate and geographic exposures are correlated and set the verdict's baseline credit risk, while the public funds item is a smaller funding-cost consideration.
For the engine’s reasoning on KRNY’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| KRNY● | Kearny Financial | 0 | 4 | 1 | 5 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.