Kearny Bank
- Company typePrivate
- Founded1884
- HeadquartersFairfield, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
Kearny Bank firmographics
Firmographics- Name
- Kearny Bank
- Legal name
- Kearny Bank
- Website
- https://kearnybank.com
- Company type
- Private
- Founded year
- 1884
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Kearny Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218), Commercial Banking (522110)
- SIC
- Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where Kearny Bank is headquartered
LocationHeadquarters
- HQ city
- Fairfield
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Kearny Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Traditional banking revenue generated from the spread between interest earned on loans (mortgages, commercial real estate, C&I loans, home equity) and interest paid on deposits (checking, savings, money market, CDs, IRAs). Core revenue driver for the savings bank.
- Non-Interest Income: Fee income from deposit service charges, treasury management services (ACH, wires, merchant services, escrow), digital banking services, credit card interchange, and loan-related fees.
- Investment Services: Referral revenue from Kearny Investment Services, a separate investment services division offered to bank customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking: Simple Checking, High Yield Checking, Senior Checking with tiered features |
| Subscription | Monthly | Business Checking: Simple Business Checking, Business Analyzed, Kearny @ Work |
| Usage-based | Pay-as-you-go | Home Mortgages and Home Equity: Purchase, Refinance, HELOCs |
| Subscription | Annual | CDs and IRAs: Certificate of Deposit and Individual Retirement Account products |
| Transaction based/ take rate | Pay-as-you-go | Loan Payment Processing: Online payment service for existing loans |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Kearny Bank product offering
Product offeringCore offering
Kearny Bank is a community savings bank offering deposit accounts (checking, savings, money market, CDs, IRAs), consumer and commercial lending (mortgages, home equity, C&I, commercial real estate, business express loans), treasury management services (ACH origination, wires, merchant services, ZEscrow, Positive Pay, Remote Deposit Capture), and digital banking platforms to individuals, small-to-mid-size businesses, government and educational institutions, women-owned businesses, and high-net-worth clients across northern New Jersey and Brooklyn, NY.
Product overview
Kearny Bank is a community bank offering a unified, full-service banking platform with integrated products across personal banking, business banking, government banking, investment services, and private client segments. The core banking platform provides traditional deposit and lending products (checking, savings, mortgages, business loans) enhanced by treasury management and digital banking modules. Treasury Management operates as a distinct platform module featuring ACH Services, International Wires, Merchant Services, ZEscrow, Remote Deposit Capture, and Positive Pay. The Digital Banking platform serves as the primary digital access layer for all products, integrating Zelle for P2P payments, Credit Sense for credit monitoring, and Card Valet for card management. Specialized offerings include Changemakers for women-owned businesses, Government Banking for public sector clients, and Private Client services for high-net-worth individuals.
Differentiator
Problem solved
Functional benefit
Brands
- Kearny Bank ChangeMakers: Women in business program providing educational resources, support, and networking opportunities for women-owned businesses.
- ZEscrow
Products and services
- Simple Checking Basic personal checking account with essential banking features for everyday transactions, designed for individual consumers.
- High Yield Checking Interest-earning personal checking account designed to provide higher returns on deposits for individual consumers.
- Senior Checking Checking account designed specifically for senior customers with tailored features and benefits.
- Statement Savings Account Basic savings account with competitive interest rates for building emergency funds and savings goals for individual consumers.
- Relationship Money Market Tiered money market account offering competitive interest rates with the flexibility of limited check-writing privileges for individual consumers.
- Certificates of Deposit (CDs) Time deposit accounts with fixed terms and guaranteed returns, available in various term lengths for individual consumers.
- Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including Traditional IRA and Roth IRA options for individual consumers.
- Residential Mortgages Residential mortgage products for purchasing homes and refinancing, including fixed-rate and adjustable-rate options for individual consumers and first-time home buyers.
- Home Equity Loans & Lines Home equity products allowing homeowners to borrow against their home's equity for major expenses, renovations, or debt consolidation.
- Credit Cards Kearny Bank debit and credit card products with fraud protection and rewards programs for individual consumers.
- Simple Business Checking Basic business checking account with low minimum balance requirements and essential features for small businesses.
- Business Analyzed Checking Business checking account with enhanced reporting and analysis tools for businesses with higher transaction volumes or treasury management needs.
- Tiered Business Money Market Business money market account with tiered interest rates that increase as balances grow.
- Real Estate & Construction Loans Commercial real estate financing for property acquisition, construction, and rehabilitation projects for businesses.
- Term Loans & Lines of Credit
Quantifiable outcome
- On average, $68 of every $100 spent at a local business stays in the community, compared to $43 for non-local businesses.
Companies that use Kearny Bank
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
Kearny Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature6 records
Kearny Bank partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
Kearny Bank competitors and assessment
Company assessmentDirect peers
- Lakeland Bancorp: Lakeland Bancorp (NASDAQ: LKBN) is a New Jersey-based community bank holding company operating Lakeland Bank with a similar northern NJ footprint, comparable deposit and commercial lending product mix, and broadly the same SMB and consumer customer profile as Kearny Bank.
- Northfield Bancorp: Northfield Bancorp (NASDAQ: NFBK) is a Staten Island-headquartered savings bank holding company with branches across Staten Island, Brooklyn, and New Jersey — overlapping Kearny's core NJ/Brooklyn geography with a near-identical community savings bank model.
- Columbia Financial: Columbia Financial (NASDAQ: CLBK) is the holding company for Columbia Bank, a New Jersey-chartered savings bank with a similar northern/North-Central NJ branch footprint, deposit-led funding base, and commercial real estate lending orientation as Kearny.
- OceanFirst Financial: OceanFirst Financial (NASDAQ: OCFC) operates OceanFirst Bank, a NJ-based community savings bank with comparable deposit products, residential and commercial lending, and treasury management services for consumers, businesses, and government entities across New Jersey.
- Provident Financial Services: Provident Financial Services (NYSE: PFS) is the parent of Provident Bank, a NJ-headquartered community bank with overlapping northern NJ presence, similar consumer and commercial banking offerings, and comparable asset size to Kearny Bank.
- ConnectOne Bancorp: ConnectOne Bancorp (NASDAQ: CNOB) is a NJ-based community bank holding company with a New York metro area branch network, comparable commercial and consumer banking products, and similar relationship-banking model to Kearny Bank.
- Valley National Bancorp: Valley National Bancorp (NASDAQ: VLY) is a New York and New Jersey-headquartered regional bank serving consumers, businesses, and government clients with deposit, lending, and treasury management products that closely mirror Kearny's product set, though at a larger scale.
- WSFS Financial: WSFS Financial (NASDAQ: WSFS) operates WSFS Bank, a Mid-Atlantic community-focused bank with comparable consumer, business, and wealth management offerings and a similar 'community bank plus digital' go-to-market posture to Kearny Bank.
- Dime Community Bank: Dime Community Bank, a subsidiary of Dime Community Bancshares (NYSE: DCOM), is a New York-focused community commercial bank with comparable deposit and commercial lending products and a similar local-relationship banking model targeting the NY/NJ metro area.
Broad incumbents
- Flagstar Financial: Flagstar Financial (NYSE: FLG), successor to New York Community Bancorp, is a larger regional bank with deep Brooklyn and NY metro deposit franchise and multi-family CRE concentration — overlapping Kearny's core geography and asset class focus but at significantly greater scale and breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Kearny Bank social profiles
Digital presenceKearny Bank compliance and trust
Trust signalCompliance5 records
Kearny Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kearny Bank leadership team
Management profileNumber of profiles
Profiles13 records
Kearny Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kearny Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kearny Bank
What does Kearny Bank do?
Kearny Bank is a community savings bank offering deposit accounts (checking, savings, money market, CDs, IRAs), consumer and commercial lending (mortgages, home equity, C&I, commercial real estate, business express loans), treasury management services (ACH origination, wires, merchant services, ZEscrow, Positive Pay, Remote Deposit Capture), and digital banking platforms to individuals, small-to-mid-size businesses, government and educational institutions, women-owned businesses, and high-net-worth clients across northern New Jersey and Brooklyn, NY.
Is Kearny Bank a public or private company?
Kearny Bank is a private company. It is classified as public and is currently operating.
When was Kearny Bank founded?
Kearny Bank was founded in 1884. It employs 501 to 1,000 people.
Where is Kearny Bank based?
Kearny Bank is headquartered in Fairfield, United States, in the North America region.
How does Kearny Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and investment Services.
Who are Kearny Bank's main competitors?
Direct peers on record are Lakeland Bancorp, Northfield Bancorp, Columbia Financial, OceanFirst Financial, Provident Financial Services, ConnectOne Bancorp, Valley National Bancorp, WSFS Financial and Dime Community Bank. Flagstar Financial is listed as a broad incumbent.
Does Kearny Bank have an API?
No public API is recorded for Kearny Bank.
What industry is Kearny Bank in?
Kearny Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 52218 and its SIC code is 6035.