Kearny Bank: Bank Stress & Real-Estate Credit Exposure

Kearny Bank (FDIC Cert #28765) carries a DLRadar bank-stress score of 83/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Kearny Bank is part of a publicly traded group, trading under ticker KRNY via Kearny Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Kearny Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. No bank is too small to score the same way: Kearny Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 12-county, 418-ZIP profile means exactly what it would for any institution nationwide. Rather than a standalone rating, the severe score is tied to real markets — every one of the 418 ZIP codes Kearny Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. A severe score on a footprint this size means the markets Kearny Bank touches inherit a corresponding share of that lending pressure. At the county level, Kearny Bank finances markets like Bergen County, NJ, Morris County, NJ, Monmouth County, NJ, Middlesex County, NJ — the specific places where its credit posture translates into local lending capacity. Kearny Bank runs a compact, regionally concentrated real-estate lending footprint — 12 U.S. counties across 2 states, spanning 418 ZIP codes. The deepest footprints are New Jersey (10 counties), New York (2 counties).

For buyers, lender stress is an early map of supply: when Kearny Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.