Kearny Financial

Kearny Financial Corp. is a holding company for Kearny Bank. The Bank is principally engaged in the business of attracting deposits from the general public in New Jersey and New York and using these deposits, together with other funds, to originate or purchase loans for its portfolio and invest in securities. Its loan portfolio is primarily comprised of loans collateralized by residential and commercial real estate augmented by secured and unsecured loans to businesses and consumers. Kearny Bank also maintains a portfolio of investment securities, primarily comprised of U.S. agency mortgage-backed securities, U.S. government, and agency debentures, bank-qualified municipal obligations, corporate bonds, asset-backed securities and collateralized loan obligations.