Kearny Financial Corp. is a bank holding company that owns and operates Kearny Bank, which attracts deposits from retail customers and local government entities across New Jersey and New York, and deploys those funds through commercial real estate lending (primarily multi-family and nonresidential mortgages), one-to-four family residential mortgages, and business lending. The Bank also invests in securities including mortgage-backed securities, municipal bonds, and corporate debt. The company generates revenue primarily through net interest income—the spread between interest earned on its loan and securities portfolio and interest paid on customer deposits and wholesale borrowings—supplemented by non-interest income from fees, service charges, and bank-owned life insurance. With a diversified loan portfolio heavily weighted toward commercial real estate and a substantial deposit base, the Bank operates as a traditional community lender serving both consumers and commercial borrowers across its regional footprint.