Kearny Bank

Headquarters: Kearny, New Jersey
Charter: Bank
Assets: $7.7B
Fed district: New York
Regulator: FDIC
Holding company: Kearny Financial Corp.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026

How these figures are measured

Call-report figures are for Kearny Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Kearny Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Kearny Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $536K in Q2 2026, 22% above the same quarter a year earlier ($439K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $5, the middle of its prices
Kearny Bank: $3 to $5.95
Kearny Bank: $3 to $5.95
U.S. median: no median
Overdraft (OD)
Kearny Bank: $36
Kearny Bank: $36
U.S. median: no median
NSF / Returned Item
Kearny Bank: $36
Kearny Bank: $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 2.7% from Q3 2025 to Q2 2026, to $536K.

Service-charge income, Q2 2026

$536K

$551KQ3 2025

$600KQ4 2025

$568KQ1 2026

$536KQ2 2026

Against the median

Kearny BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Kearny Bank · $7.7B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$6.8B to $8.5B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Kearny Bank(this institution)	Kearny, NJ	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bangor Savings Bank	Bangor, ME	$7.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Colorado	Fort Collins, CO	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bankers Trust Company	Des Moines, IA	$7.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cambridge Savings Bank	Cambridge, MA	$7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Pacific Bank	Honolulu, HI	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
CNB Bank	Clearfield, PA	$8.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Trust Bank, Inc.	Pikeville, KY	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Equity Bank	Andover, KS	$7.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank of America	East Lansing, MI	$6.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Forbright Bank	Potomac, MD	$8.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hanmi Bank	Los Angeles, CA	$8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank	Olympia, WA	$8.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Intrust Bank, National Association	Wichita, KS	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Johnson Bank	Racine, WI	$7.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake City Bank	Warsaw, IN	$7.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Needham Bank	Needham, MA	$7.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northpointe Bank	Grand Rapids, MI	$7.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ocean Bank	Miami, FL	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pathward, National Association	Sioux Falls, SD	$7.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Republic Bank & Trust Company	Louisville, KY	$7.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Stockman Bank of Montana	Miles City, MT	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
TBK BANK, SSB	Dallas, TX	$7.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Camden National Bank	Camden, ME	$6.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Farmers National Bank of Canfield	Canfield, OH	$7.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.99 (37%) below the median of similar-sized banks.

Compared at $5, the middle of its three prices, against a peer median of $7.99 among 18 publishing peers.

Its three checking prices are $3, $5 and $5.95.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Kearny Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Kearny Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $536K
vs prior quarter: −$32K−5.6%; from Q1 2026
vs a year earlier: +$97K+22.1%; from Q2 2025
vs start of range: +$95K+21.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Kearny Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$536K	−$32K	−5.6%
Q1 2026	$568K	−$32K	−5.3%
Q4 2025	$600K	+$49K	+8.9%
Q3 2025	$551K	+$112K	+25.5%
Q2 2025	$439K	+$6K	+1.4%
Q1 2025	$433K	−$26K	−5.7%
Q4 2024	$459K	+$18K	+4.1%
Q3 2024	$441K	+$18K	+4.3%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Kearny Bank’s own schedules, with a source for each figure.

Account Maintenance

Checking – After 1 Year Monthly service charge$5
per month
Maintenance fee$3
per month
Rewards Checking Monthly Service Fee$5.95
per month
Advantage Money Market Minimum Balance Fee$10
Private Client Elite Checking Minimum Balance Fee$35
Relationship Money Market Minimum Balance Fee$20
Special Money Market Minimum Balance Fee$3
If account is closed within one (1) year of account opening$15
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Statement/Bad Address$20
Not compared: One-time charge, not monthly
one time

Overdraft & NSF

Overdraft Item Fee$36
per item
Non-Sufficient Funds Fee (NSF)$36
per item

ATM & Card

Foreign ATM Fee (Non-Kearny Bank)$1
ATM/Debit Card Currency Conversion (CCA Fee) (% of transaction amount)0.2%of the transaction
Debit Card Cross Border (CBA Fee) (% of transaction amount)0.9%of the transaction

Wire Transfers

Domestic Wires: Outgoing$30
Domestic Wires: Incoming$15
International Wires: Outgoing$50
International Wires: Incoming$15

Check Services

Cashier’s Check – Clients Only$10
Money Order – Clients Only$6
Stop Payment (per order): All Accounts$30
per item
Counter ChecksNo charge

Account Services

Safe Deposit Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Lost Key$25
Not compared: Box drilling or key fee
Levy and Lien Processing$150

Retirement & IRA

IRA Transfer Fee (Trustee to Trustee per account)$40

Fee	Amount	Basis	Note
Account Maintenance
Checking – After 1 Year Monthly service charge	$5	per month	None
Maintenance fee	$3	per month	None
Rewards Checking Monthly Service Fee	$5.95	per month	None
Advantage Money Market Minimum Balance Fee	$10	Not stated	None
Private Client Elite Checking Minimum Balance Fee	$35	Not stated	None
Relationship Money Market Minimum Balance Fee	$20	Not stated	None
Special Money Market Minimum Balance Fee	$3	Not stated	None
If account is closed within one (1) year of account opening	$15	Not stated	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Statement/Bad Address	$20Not compared: One-time charge, not monthly	one time	None
Overdraft & NSF
Overdraft Item Fee	$36	per item	None
Non-Sufficient Funds Fee (NSF)	$36	per item	None
ATM & Card
Foreign ATM Fee (Non-Kearny Bank)	$1	Not stated	None
ATM/Debit Card Currency Conversion (CCA Fee) (% of transaction amount)	0.2%of the transaction	Not stated	None
Debit Card Cross Border (CBA Fee) (% of transaction amount)	0.9%of the transaction	Not stated	None
Wire Transfers
Domestic Wires: Outgoing	$30	Not stated	None
Domestic Wires: Incoming	$15	Not stated	None
International Wires: Outgoing	$50	Not stated	None
International Wires: Incoming	$15	Not stated	None
Check Services
Cashier’s Check – Clients Only	$10	Not stated	None
Money Order – Clients Only	$6	Not stated	None
Stop Payment (per order): All Accounts	$30	per item	None
Counter Checks	No charge	Not stated	None
Account Services
Safe Deposit Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Levy and Lien Processing	$150	Not stated	None
Retirement & IRA
IRA Transfer Fee (Trustee to Trustee per account)	$40	Not stated	None

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Kearny Bank operates, and what regulators and customers have on file.

Holding company

Kearny Financial Corp. (Nasdaq: KRNY)

Consolidated assets

$7.7B

Shareholders' equity

$766.7M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-K8-K2026-10-22View
8-KCURRENT REPORT FILING2026-10-21View
8-K8-K2026-10-20View
DEF 14ADEF 14A2026-09-09View
10-K10-K2026-08-21View
8-K8-K2026-07-23View
8-K8-K2026-06-03View
10-Q10-Q2026-05-07View
8-K8-K2026-04-23View
10-Q10-Q2026-02-05View
8-K8-K2026-01-22View
10-Q10-Q2025-11-05View

Source: SEC EDGAR filings and XBRL financial data, CIK 1617242. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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