7Baggers

Kearny Financial Corp
(NASDAQ:KRNY) 

KRNY stock logo

Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. The company offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings ...

Full Time Employees: 494
Sector: Financial Services
Industry: Banks-Regional
Financial Services
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At a glance:
Bull Thesis:
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Income Statements:
Quarterly
Annual
    Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-09-30 2021-03-31 2020-12-31 2020-09-30 2020-03-31 2019-12-31 2019-09-30 2019-03-31 2018-12-31 2018-09-30 2018-03-31 2017-12-31 2017-03-31 2016-12-31 2016-09-30 2016-03-31 2015-12-31 2015-09-30 
                                      
      interest income
    		                                  
      loans
    		66,310,000 67,410,000 68,349,000 66,485,000 64,768,000 65,408,000 66,331,000  63,384,000 62,769,000 62,044,000 60,172,000 57,996,000 52,935,000 45,846,000 47,575,000 48,230,000 49,307,000 49,466,000 52,180,000 46,603,000 45,608,000 48,600,000 48,116,000 49,015,000 47,437,000 30,728,000 30,610,000 28,235,000 27,407,000 25,697,000 25,585,000 24,641,000 22,032,000 
      taxable investment securities
    		11,425,000 11,623,000 12,600,000 12,322,000 12,738,000 13,803,000 14,384,000  16,756,000 16,265,000 15,736,000 15,459,000 13,221,000 10,439,000 8,024,000 7,595,000 8,212,000 7,891,000 7,707,000 7,336,000 10,526,000 9,698,000 9,328,000 9,511,000 9,051,000 8,879,000         
      tax-exempt investment securities
    		34,000 35,000 41,000 49,000 55,000 59,000 71,000  84,000 87,000 91,000 99,000 219,000 285,000 316,000 327,000 333,000 410,000 433,000 454,000 547,000 666,000 693,000 710,000 713,000 716,000         
      other interest-earning assets
    		1,400,000 1,584,000 1,518,000 1,549,000 1,773,000 2,215,000 2,466,000  2,401,000 2,047,000 1,821,000 1,441,000 1,005,000 761,000 415,000 415,000 431,000 705,000 787,000 914,000 1,100,000 1,210,000 1,278,000 1,320,000 1,243,000 1,174,000 715,000 704,000 481,000 421,000 581,000 462,000 374,000 439,000 
      total interest income
    		79,169,000 80,652,000 82,508,000 80,405,000 79,334,000 81,485,000 83,252,000  82,625,000 81,168,000 79,692,000 77,171,000 72,441,000 64,420,000 54,601,000 55,912,000 57,206,000 58,313,000 58,393,000 60,884,000 58,776,000 57,182,000 59,899,000 59,657,000 60,022,000 58,206,000 38,545,000 38,032,000 35,008,000 34,315,000 32,806,000 32,882,000 31,824,000 29,415,000 
      interest expense
    		                                  
      deposits
    		31,045,000 33,148,000 33,931,000 33,607,000 34,912,000 36,721,000 35,018,000  30,340,000 27,567,000 26,226,000 22,246,000 18,822,000 10,869,000 3,565,000 3,663,000 4,065,000 6,670,000 8,647,000 11,062,000 14,768,000 15,590,000 16,055,000 14,114,000 12,727,000 10,539,000 7,026,000 6,649,000 5,420,000 5,410,000 5,361,000 4,932,000 4,529,000 4,072,000 
      borrowings
    		8,888,000 9,535,000 10,873,000 10,955,000 10,380,000 12,152,000 15,788,000  16,446,000 14,441,000 13,286,000 12,554,000 8,836,000 5,020,000 3,309,000 3,562,000 3,551,000 4,012,000 5,193,000 5,660,000 6,398,000 6,985,000 7,157,000 6,905,000 7,946,000 7,487,000 4,462,000 4,548,000 3,381,000 3,289,000 3,424,000 3,486,000 3,357,000 2,987,000 
      total interest expense
    		39,933,000 42,683,000 44,804,000 44,562,000 45,292,000 48,873,000 50,806,000  46,786,000 42,008,000 39,512,000 34,800,000 27,658,000 15,889,000 6,874,000 7,225,000 7,616,000 10,682,000 13,840,000 16,722,000 21,166,000 22,575,000 23,212,000 21,019,000 20,673,000 18,026,000 11,488,000 11,197,000 8,801,000 8,699,000 8,785,000 8,418,000 7,886,000 7,059,000 
      net interest income
    		39,236,000 37,969,000 37,704,000 35,843,000 34,042,000 32,612,000 32,446,000  35,839,000 39,160,000 40,180,000 42,371,000 44,783,000 48,531,000 47,727,000 48,687,000 49,590,000 47,631,000 44,553,000 44,162,000 37,610,000 34,607,000 36,687,000 38,638,000 39,349,000 40,180,000 27,057,000 26,835,000 26,207,000 25,616,000 24,021,000 24,464,000 23,938,000 22,356,000 
      provision for credit losses
    		391,000 567,000  1,785,000 366,000 107,000 108,000  2,105,000 245,000                         
      net interest income after provision for credit losses
    		38,845,000 37,402,000  34,058,000 33,676,000 32,505,000 32,338,000  33,734,000 38,915,000                         
      non-interest income
    		                                  
      fees and service charges
    		922,000 1,295,000 892,000 655,000 573,000 627,000 635,000  624,000 748,000 699,000 910,000 734,000 763,000 617,000 698,000 607,000 1,325,000 1,896,000 1,076,000 1,338,000 2,145,000 1,468,000 1,674,000 1,258,000 1,173,000 1,537,000 1,409,000 498,000 1,289,000 663,000 794,000 709,000 673,000 
      gain on sale of loans
    		193,000 224,000 199,000 190,000 112,000 304,000 200,000  104,000 215,000 199,000 -2,373,000 134,000 395,000 376,000 970,000 1,006,000 943,000 2,378,000 1,890,000 565,000 668,000 605,000 151,000 101,000 132,000 346,000 200,000 245,000 459,000 300,000 156,000 76,000 72,000 
      income from bank owned life insurance
    		2,646,000 2,710,000 2,689,000 2,869,000 2,617,000 2,619,000 2,567,000  1,162,000 1,666,000 1,605,000 1,581,000 1,761,000 3,698,000 1,511,000 1,562,000 1,561,000 1,530,000 1,596,000 1,596,000 1,532,000 1,576,000 1,580,000 1,560,000 1,599,000 1,594,000 1,227,000 1,264,000 1,279,000 1,321,000 1,319,000 1,390,000 1,409,000 1,390,000 
      electronic banking fees and charges
    		389,000 473,000 416,000 442,000 391,000 493,000 391,000  396,000 367,000 399,000 457,000 397,000 506,000 432,000 421,000 407,000 456,000 404,000 405,000 309,000 293,000 318,000 253,000 277,000 250,000 243,000 302,000 240,000 270,000 283,000 244,000 277,000 286,000 
      other income
    		1,944,000 869,000 1,651,000 835,000 869,000 830,000 833,000  811,000 1,014,000 903,000 1,071,000 3,723,000 555,000 238,000 482,000 218,000 1,194,000 67,000 90,000               
      total non-interest income
    		6,094,000 5,571,000 5,847,000 4,991,000 4,562,000 4,873,000 4,626,000  -16,012,000 4,010,000 3,666,000 1,646,000 -8,478,000 5,917,000 3,191,000 4,133,000 3,800,000 5,466,000 7,154,000 7,733,000 6,201,000 4,554,000 3,962,000 3,676,000 3,309,000 3,182,000 3,548,000 3,263,000 2,253,000 3,446,000 2,629,000 2,613,000 2,410,000 2,493,000 
      non-interest expense
    		                                  
      salaries and employee benefits
    		19,316,000 18,373,000 18,745,000 18,093,000 17,700,000 17,579,000 17,498,000  17,282,000 17,761,000 17,315,000 18,005,000 19,921,000 20,348,000 19,184,000 18,096,000 18,617,000 16,965,000 17,081,000 16,977,000 15,537,000 15,174,000 15,777,000 15,350,000 15,699,000 15,642,000 12,888,000 12,926,000 12,430,000 11,592,000 10,909,000 10,459,000 10,381,000 10,625,000 
      net occupancy expense of premises
    		3,263,000 2,888,000 3,307,000 2,820,000 3,075,000 2,831,000 2,798,000  2,674,000 2,758,000 2,862,000 3,097,000 2,987,000 3,090,000 3,223,000 3,156,000 4,547,000 3,433,000 3,120,000 3,122,000 2,685,000 3,082,000 2,969,000 2,979,000 2,761,000 2,736,000 2,359,000 2,122,000 2,088,000 1,976,000 1,941,000 1,991,000 1,774,000 1,909,000 
      equipment and systems
    		3,975,000 4,007,000 3,974,000 4,030,000 3,921,000 3,892,000 3,860,000  3,814,000 3,801,000 3,511,000 3,537,000 3,867,000 3,662,000 3,822,000 3,723,000 3,825,000 3,823,000 3,902,000 3,570,000 2,672,000 3,046,000 3,089,000 3,053,000 3,377,000 2,926,000 2,323,000 2,193,000 2,068,000 2,030,000 2,048,000 2,045,000 1,614,000 1,978,000 
      advertising and marketing
    		665,000 412,000 562,000 615,000 609,000 311,000 342,000  301,000 228,000 231,000 413,000 731,000 747,000 516,000 448,000 392,000 567,000 513,000 500,000 612,000 890,000 535,000 739,000 787,000 577,000 745,000 748,000 753,000 387,000 549,000 539,000 563,000 428,000 
      federal deposit insurance premium
    		1,302,000 1,357,000 1,301,000 1,395,000 1,450,000 1,503,000 1,563,000  1,495,000 1,524,000 1,455,000 1,546,000 1,226,000 906,000 480,000 721,000 492,000 488,000 490,000 472,000    455,000 421,000 465,000 350,000 343,000 338,000 339,000 305,000 684,000 675,000 662,000 
      directors' compensation
    		307,000 306,000 307,000 307,000 326,000 361,000 361,000  393,000 393,000 345,000 340,000 339,000 340,000 340,000 649,000 803,000 748,000 748,000 748,000 771,000 769,000 770,000 770,000 746,000 758,000 689,000 688,000 689,000 379,000 225,000 225,000 181,000 182,000 
      other expense
    		3,471,000 3,848,000 3,470,000 3,633,000 3,309,000 3,084,000 3,364,000  3,808,000 3,309,000                         
      total non-interest expense
    		32,299,000 31,191,000 31,666,000 30,893,000 30,390,000 29,561,000 29,786,000  29,767,000 29,774,000 28,761,000 30,352,000 32,650,000 31,988,000 30,623,000 29,670,000 31,803,000 29,816,000 30,510,000 33,573,000 28,062,000 26,427,000 26,244,000 26,771,000 27,270,000 26,457,000 22,543,000 22,764,000 21,034,000 19,373,000 18,660,000 18,653,000 17,704,000 18,382,000 
      income before income taxes
    		12,640,000 11,782,000 11,967,000 8,156,000 7,848,000 7,817,000 7,178,000  -12,045,000 13,151,000 15,391,000 13,214,000 1,984,000 21,790,000 24,215,000 25,570,000 26,987,000 22,155,000 22,562,000 14,263,000 9,479,000 14,199,000 15,187,000 15,722,000 14,417,000 14,805,000 7,639,000 6,398,000 5,617,000 8,434,000 6,861,000 5,835,000 5,230,000 3,826,000 
      income tax expense
    		2,503,000 2,333,000 2,461,000 1,387,000 1,200,000 1,251,000 1,086,000  1,782,000 3,309,000 3,378,000 2,902,000 33,000 5,255,000 6,522,000 6,801,000 7,272,000 5,732,000 5,614,000 2,884,000 225,000 3,547,000 3,817,000 4,305,000 3,649,000 3,659,000         
      net income
    		10,137,000 9,449,000 9,506,000 6,769,000 6,648,000 6,566,000 6,092,000  -13,827,000 9,842,000 12,013,000 10,312,000 1,951,000 16,535,000 17,693,000 18,769,000 19,715,000 16,423,000 16,948,000 11,379,000 9,254,000 10,652,000 11,370,000 11,417,000 10,768,000 11,146,000 5,377,000 1,269,000 4,068,000 5,464,000 4,667,000 4,168,000 3,797,000 2,976,000 
      yoy
    		52.48% 43.91% 56.04%  -148.08% -33.29% -49.29%  -808.71% -40.48% -32.10% -45.06% -90.10% 0.68% 4.40% 64.94% 113.04% 54.18% 49.06% -0.33% -14.06% -4.43% 111.46% 799.68% 164.70% 103.99% 15.21% -69.55% 7.14% 83.60%     
      qoq
    		7.28% -0.60% 40.43% 1.82% 1.25% 7.78%   -240.49% -18.07% 16.50% 428.55% -88.20% -6.54% -5.73% -4.80% 20.05% -3.10% 48.94% 22.96% -13.12% -6.31% -0.41% 6.03% -3.39% 107.29% 323.72% -68.81% -25.55% 17.08% 11.97% 9.77% 27.59%  
      net income per common share
    		                                  
      basic
    		160 150 150 110 110 110 100  -220 160 190 160 30 250 250         130 120 120 70 20 50 60 50 50 40 30 
      diluted
    		160 150 150 110 110 100 100  -220 160 190 160 30 250 250         130 120 120 70 20 50 60 50 50 40 30 
      weighted-average number of common shares outstanding
    		                                  
      basic
    		62,908,000 62,858,000 62,741,000 62,508,000 62,548,000 62,498,000 62,389,000 62,444,000 62,299,000 63,014,000 64,804,000 64,769,000 65,030,000 65,737,000 69,790,000         89,488,000 92,434,000 95,127,000 75,492,000 77,174,000 84,542,000 85,174,000 86,246,000 89,690,000 89,640,000 89,590,000 
      diluted
    		63,251,000 63,061,000 62,951,000 62,716,000 62,713,000 62,630,000 62,420,000 62,444,000 62,299,000 63,061,000 64,804,000 64,783,000 65,038,000 65,756,000 69,817,000         89,532,000 92,480,000 95,181,000 75,539,000 77,239,000 84,624,000 85,258,000 86,304,000 89,724,000 89,674,000 89,619,000 
      (reversal of) provision for credit losses
    		  -82,000                                
      net interest income after (reversal of) provision for credit losses
    		  37,786,000                                
      loss on sale and call of securities
    		        -18,135,000           -377,000   -14,000 -182,000   -1,000        
      loss on write down of other real estate owned
    		        -974,000                          
      benefit from (reversal of) credit losses
    		          698,000 451,000 1,671,000 670,000      4,059,000               
      net interest income after benefit from (reversal of) credit losses
    		          33,223,250 41,920,000 43,112,000 47,861,000      40,103,000               
      gain on sale and call of securities
    		            -15,227,000  3,000  1,000 18,000 813,000  2,234,000 11,000       -22,000 21,000     
      gain on sale of other real estate owned
    		              14,000                    
      (reversal of) benefit from credit losses
    		              -3,920,000 -2,420,000 -5,400,000  -1,365,000                
      net interest income after (reversal of) benefit from credit losses
    		              51,647,000 51,107,000 54,990,000  45,918,000                
      bargain purchase gain
    		                   3,053,000               
      merger-related expenses
    		                   4,349,000 285,000 219,000     401,000 1,193,000       
      debt extinguishment expenses
    		                  796,000  2,156,000              
      benefit from credit losses
    		                 1,126,000                 
      net interest income after benefit from credit losses
    		                 46,505,000                 
      loss on sale and write down of other real estate owned
    		                         -50,000         
      benefit from (reversal of) loan losses
    		                    6,270,000              
      net interest income after benefit from (reversal of) loan losses
    		                    31,340,000              
      miscellaneous
    		                    223,000 -111,000 5,000 226,000 38,000 83,000 189,000 65,000 119,000 74,000 79,000 77,000 50,000 72,000 
      (reversal of) benefit from loan losses
    		                     -1,465,000 -782,000 -179,000           
      net interest income after (reversal of) benefit from loan losses
    		                     36,072,000 37,469,000 38,817,000           
      gain on sale and write down of other real estate owned
    		                     -28,000  -6,000 36,000          
      dividends declared per common share
    		                       60 50 200 30 30 30 20 20 20 20 20 
      benefit from loan losses
    		                        971,000 2,100,000 423,000 936,000 1,809,000 1,255,000 1,129,000 2,589,000 3,414,000 2,641,000 
      net interest income after benefit from loan losses
    		                        38,378,000 38,080,000 26,634,000 25,899,000 24,398,000 24,361,000 22,892,000 21,875,000 20,524,000 19,715,000 
      mortgage-backed securities
    		                          2,817,000 2,848,000 3,222,000 3,779,000 3,937,000 4,296,000 4,409,000 4,514,000 
      debt securities:
    		                                  
      taxable
    		                          3,633,000 3,229,000 2,488,000 2,146,000 2,040,000 1,988,000 1,845,000 1,896,000 
      tax-exempt
    		                          652,000 641,000 582,000 562,000 551,000 551,000 555,000 534,000 
      gain on sale and write down of real estate owned
    		                          7,000 23,000  12,000     
      income taxes
    		                          2,262,000 5,129,000 1,549,000 2,970,000 2,194,000 1,667,000 1,433,000 850,000 
      loss on sale and write down of real estate owned
    		                            -106,000      
      gain on sale or call of securities
    		                                  
      gain on sale of securities
    		                                2,000  
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-09-30 2021-03-31 2020-12-31 2020-09-30 2020-03-31 2019-12-31 2019-09-30 2019-03-31 2018-12-31 2018-09-30 2018-03-31 2017-12-31 2017-03-31 2016-12-31 2016-09-30 2016-03-31 2015-12-31 2015-09-30 
                                        
        assets
      		                                  
        cash and amounts due from depository institutions
      		17,984,000 19,449,000 15,828,000 21,864,000 17,455,000 17,986,000 18,369,000 17,201,000 15,934,000 21,420,000 21,795,000 18,520,000 21,029,000 22,849,000 22,864,000 19,909,000 16,592,000 20,502,000 23,968,000 18,628,000 20,200,000 17,843,000 16,106,000 15,943,000 24,361,000 21,973,000 18,229,000 17,899,000 17,429,000 17,541,000 18,829,000 20,372,000 21,440,000 19,379,000 
        interest-bearing deposits in other banks
      		105,852,000 127,891,000 114,311,000 145,405,000 108,640,000 123,568,000 137,205,000 46,663,000 57,926,000 35,799,000 48,720,000 176,048,000 54,631,000 73,227,000 39,515,000 40,543,000 37,478,000 88,489,000 105,726,000 127,190,000 39,252,000 23,953,000 113,199,000 38,217,000 27,122,000 22,513,000 20,054,000 32,786,000 153,162,000 19,491,000 53,764,000 94,584,000 91,424,000 83,251,000 
        cash and cash equivalents
      		123,836,000 147,340,000 130,139,000 167,269,000 126,095,000 141,554,000 155,574,000 63,864,000 73,860,000 57,219,000 70,515,000 194,568,000 75,660,000 96,076,000 62,379,000 60,452,000 54,070,000 108,991,000 129,694,000 145,818,000 59,452,000 41,796,000 129,305,000 54,160,000 51,483,000 44,486,000 38,283,000 50,685,000 170,591,000 37,032,000 72,593,000 114,956,000 112,864,000 102,630,000 
        investment securities available for sale
      		983,325,000 1,000,397,000 1,016,182,000  1,003,393,000 1,018,279,000 1,070,811,000  1,144,175,000 1,215,633,000  1,267,066,000 1,286,354,000 1,263,176,000                     
        investment securities held to maturity
      		110,581,000 112,800,000 116,681,000  124,859,000 127,266,000 132,256,000  141,959,000 143,730,000  149,764,000 153,786,000 115,943,000       34,618,000 36,073,000 37,888,000 592,199,000 598,318,000 602,838,000         
        loans held-for-sale
      		12,183,000 8,786,000 6,650,000 5,931,000 6,187,000 5,695,000 8,866,000 6,036,000 14,030,000 3,934,000 9,591,000 5,401,000 12,940,000 12,936,000 2,822,000 12,549,000 12,884,000 5,172,000 12,601,000 20,170,000 11,245,000 5,952,000 10,495,000 997,000 1,001,000 1,503,000 2,377,000 3,490,000 744,000 6,686,000 4,489,000    
        loans receivable
      		5,779,181,000 5,753,393,000 5,767,419,000 5,812,937,000 5,846,175,000 5,791,758,000 5,784,246,000 5,732,787,000 5,745,629,000 5,736,049,000 5,829,421,000 5,966,325,000 5,984,133,000 5,656,370,000 5,003,201,000 4,826,404,000 4,789,339,000 4,798,239,000 4,828,634,000 4,954,750,000               
        less: allowance for credit losses on loans
      		-44,723,000 -44,958,000 -45,060,000 -46,191,000 -44,455,000 -44,457,000 -44,923,000 -44,939,000 -44,867,000 -46,872,000 -48,734,000 -49,122,000 -48,877,000 -47,613,000 -43,860,000 -48,216,000 -51,785,000 -63,762,000 -63,386,000 -64,860,000               
        net loans receivable
      		5,734,458,000 5,708,435,000 5,722,359,000 5,766,746,000 5,801,720,000 5,747,301,000 5,739,323,000 5,687,848,000 5,700,762,000 5,689,177,000 5,780,687,000 5,917,203,000 5,935,256,000 5,608,757,000 4,959,341,000 4,778,188,000 4,737,554,000 4,734,477,000 4,765,248,000 4,889,890,000 4,525,321,000 4,461,760,000 4,572,306,000 4,626,699,000 4,719,866,000 4,627,776,000 3,321,121,000 3,261,450,000 3,095,014,000 2,947,871,000 2,820,602,000 2,697,059,000 2,581,236,000 2,399,822,000 
        premises and equipment
      		41,896,000 42,559,000 43,222,000 43,897,000 44,192,000 45,127,000 45,189,000 44,940,000 45,928,000 46,868,000 48,309,000 49,589,000 50,953,000 52,642,000 53,727,000 54,067,000 55,236,000 60,360,000 61,181,000 61,808,000 58,985,000 56,542,000 56,599,000 58,274,000 58,414,000 57,635,000 42,856,000 41,829,000 38,904,000 38,341,000 38,125,000 38,598,000 39,156,000 39,256,000 
        federal home loan bank (“fhlb”) of new york stock
      		55,737,000 57,212,000 62,011,000  62,261,000 64,443,000 57,706,000  83,372,000 81,509,000  76,319,000 69,022,000 44,957,000 30,997,000                    
        accrued interest receivable
      		28,304,000 27,420,000 29,460,000 28,098,000 28,521,000 27,772,000 29,467,000 29,521,000 30,258,000 29,766,000 28,133,000 28,794,000 27,368,000 23,817,000 19,517,000 18,495,000 19,541,000 20,562,000 19,826,000 20,368,000 19,036,000 18,261,000 19,393,000 20,326,000 19,435,000 19,455,000 13,926,000 13,524,000 12,320,000 11,809,000 11,666,000 11,626,000 10,929,000 11,058,000 
        goodwill
      		113,525,000 113,525,000 113,525,000 113,525,000 113,525,000 113,525,000 113,525,000 113,525,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 210,895,000 108,591,000 108,591,000 108,591,000 108,591,000 108,591,000 108,591,000 108,591,000 108,591,000 
        core deposit intangibles
      		1,080,000 1,198,000 1,317,000 1,436,000 1,554,000 1,679,000 1,805,000 1,931,000 2,189,000 2,323,000 2,457,000 2,590,000 2,732,000 2,876,000 3,166,000 3,344,000 3,524,000 3,888,000 4,151,000 4,420,000 4,242,000 4,545,000 4,852,000 5,470,000 5,743,000 6,018,000         
        bank owned life insurance
      		312,050,000 309,404,000 307,248,000 304,717,000 303,629,000 301,339,000 300,186,000 297,874,000 256,064,000 294,491,000 292,825,000 291,220,000 289,673,000 289,690,000 287,644,000 286,433,000 284,871,000 281,765,000 280,235,000 278,639,000 260,843,000 259,312,000 257,735,000 254,569,000 253,009,000 251,410,000 184,981,000 183,754,000 179,935,000 178,656,000 177,334,000 174,642,000 173,251,000 171,842,000 
        deferred income tax assets
      		50,961,000 51,617,000 51,587,000 55,203,000 52,913,000 53,325,000 50,131,000 50,339,000 46,116,000 56,500,000 51,973,000 53,151,000 51,107,000 54,278,000 34,349,000 25,709,000 27,771,000 32,230,000 30,846,000 33,319,000 27,150,000 20,438,000 21,742,000 24,182,000 24,692,000 22,136,000 3,898,000 6,941,000 14,318,000 16,098,000 22,914,000 27,340,000 23,252,000 22,316,000 
        other assets
      		39,720,000 40,185,000 47,629,000 56,181,000 64,292,000 84,080,000 67,540,000 98,708,000 136,242,000 129,865,000 110,546,000 89,366,000 110,162,000 113,369,000 76,714,000 54,603,000 51,896,000 47,760,000 49,278,000 49,468,000 26,200,000 29,605,000 24,366,000 19,563,000 27,960,000 38,717,000 34,404,000 25,347,000 19,416,000 16,599,000 7,896,000 5,310,000 6,273,000 12,420,000 
        total assets
      		7,607,656,000 7,620,878,000 7,648,010,000 7,740,450,000 7,733,141,000 7,731,385,000 7,772,379,000 7,683,461,000 7,897,832,000 7,974,866,000 8,064,815,000 8,349,336,000 8,289,318,000 7,889,590,000 7,389,891,000 7,186,223,000 7,183,688,000 7,357,994,000 7,335,153,000 7,310,209,000 6,773,833,000 6,610,401,000 6,641,006,000 6,658,751,000 6,702,440,000 6,656,211,000 4,933,700,000 4,843,847,000 4,796,242,000 4,585,308,000 4,523,281,000 4,486,009,000 4,405,046,000 4,301,941,000 
        liabilities and stockholders' equity
      		                                  
        liabilities
      		                                  
        deposits:
      		                                  
        non-interest-bearing
      		631,506,000 627,180,000 578,481,000 582,045,000 587,118,000 601,510,000 592,099,000 598,366,000 584,130,000 595,141,000 609,999,000 617,778,000 650,950,000 683,406,000 621,954,000 604,805,000 631,344,000 545,746,000 518,828,000 487,710,000 321,824,000 312,098,000 322,846,000 303,713,000 305,392,000 308,631,000 270,217,000 275,065,000 255,939,000 240,367,000 251,141,000 226,700,000 213,242,000 227,941,000 
        interest-bearing
      		5,097,576,000 5,084,370,000 5,053,401,000 5,093,172,000 5,120,230,000 5,069,550,000 4,878,413,000 4,559,757,000 4,735,500,000 4,839,027,000 5,019,184,000 5,185,626,000 5,320,421,000 5,424,872,000 4,906,708,000 4,849,220,000 4,763,795,000 4,828,706,000 4,793,785,000 4,552,202,000 3,931,430,000 3,876,724,000 3,874,404,000 3,833,860,000 3,868,042,000 3,646,190,000 2,797,581,000 2,758,701,000 2,597,324,000 2,505,650,000 2,482,819,000 2,434,073,000 2,369,943,000 2,235,949,000 
        total deposits
      		5,729,082,000 5,711,550,000 5,631,882,000 5,675,217,000 5,707,348,000 5,671,060,000 5,470,512,000 5,158,123,000 5,319,630,000 5,434,168,000 5,629,183,000 5,803,404,000 5,971,371,000 6,108,278,000 5,528,662,000 5,454,025,000 5,395,139,000 5,374,452,000 5,312,613,000 5,039,912,000 4,253,254,000 4,188,822,000 4,197,250,000 4,137,573,000 4,173,434,000 3,954,821,000 3,067,798,000 3,033,766,000 2,853,263,000 2,746,017,000 2,733,960,000 2,660,773,000 2,583,185,000 2,463,890,000 
        borrowings
      		1,060,000,000 1,095,000,000 1,206,497,000 1,256,491,000 1,213,976,000 1,258,949,000 1,479,888,000 1,709,789,000 1,667,055,000 1,626,933,000 1,506,812,000 1,611,692,000 1,383,573,000 851,454,000 851,220,000 686,105,000 720,990,000 865,763,000 865,651,000 1,077,540,000 1,384,025,000 1,275,049,000 1,281,118,000 1,326,216,000 1,310,547,000 1,419,424,000 852,009,000 798,864,000 825,260,000 701,849,000 633,389,000 618,320,000 620,409,000 628,351,000 
        advance payments by borrowers for taxes
      		19,317,000 18,474,000 19,261,000 19,317,000 19,981,000 17,986,000 17,824,000 17,409,000 16,742,000 16,907,000 18,338,000 18,706,000 17,307,000 16,555,000 16,979,000 16,772,000 16,222,000 15,300,000 16,100,000 17,008,000 16,492,000 16,585,000 16,102,000 17,208,000 17,201,000 10,687,000 8,969,000 8,511,000 8,059,000 7,618,000 7,597,000 8,141,000 8,037,000 9,292,000 
        other liabilities
      		36,225,000 38,458,000 37,166,000 43,463,000 43,723,000 38,537,000 52,618,000 44,569,000 46,427,000 47,324,000 41,198,000 49,304,000 44,427,000 38,329,000 37,861,000 33,851,000 36,914,000 38,667,000 48,448,000 51,689,000 50,390,000 35,375,000 35,747,000 19,643,000 17,997,000 35,198,000 13,723,000 13,433,000 15,650,000 15,172,000 28,801,000 34,029,000 26,939,000 36,798,000 
        total liabilities
      		6,844,624,000 6,863,482,000 6,894,806,000 6,994,488,000 6,985,028,000 6,986,532,000 7,020,842,000 6,929,890,000 7,049,854,000 7,125,332,000 7,195,531,000 7,483,106,000 7,416,678,000 7,014,616,000 6,434,722,000 6,190,753,000 6,169,265,000 6,294,182,000 6,242,812,000 6,186,149,000 5,704,161,000 5,515,831,000 5,530,217,000 5,500,640,000 5,519,179,000 5,420,130,000 3,942,499,000 3,854,574,000 3,702,232,000 3,470,656,000 3,403,747,000 3,321,263,000 3,238,570,000 3,138,331,000 
        stockholders' equity
      		                                  
        preferred stock, 0.01 par value...
      		                                  
        common stock, 0.01 par value...
      		648,000 648,000 648,000 646,000 646,000 646,000 646,000 644,000 645,000 652,000 659,000 667,000 674,000 680,000 714,000 735,000 758,000 820,000 849,000 895,000 837,000 851,000 868,000 915,000 938,000 978,000 788,000 795,000 873,000 892,000 891,000 935,000 935,000 935,000 
        paid-in capital
      		495,442,000 494,959,000 494,490,000 494,546,000 494,131,000 494,092,000 493,523,000 493,680,000 493,297,000 497,269,000 503,332,000 509,359,000 515,332,000 520,245,000 561,176,000 587,392,000 616,894,000 691,280,000 724,389,000 769,269,000 721,474,000 737,539,000 758,385,000 817,675,000 848,145,000 897,551,000 653,045,000 662,093,000 768,373,000 795,773,000 813,648,000 871,156,000 870,912,000 870,701,000 
        retained earnings
      		349,881,000 346,749,000 344,287,000 341,744,000 341,921,000 342,155,000 342,522,000 343,326,000 439,755,000 460,464,000 457,611,000 452,605,000 449,489,000 454,710,000 441,522,000 431,549,000 420,701,000 397,594,000 388,376,000 378,134,000 380,671,000 377,896,000 373,004,000 363,072,000 356,993,000 350,838,000 355,270,000 353,536,000 359,083,000 357,540,000 353,763,000 347,717,000 345,343,000 343,335,000 
        unearned employee stock ownership plan shares; 1,806,282 shares and 1,956,805 shares, respectively
      		-17,511,000                                  
        accumulated other comprehensive loss
      		-65,428,000 -66,963,000 -67,737,000 -72,004,000 -69,128,000 -72,097,000 -64,724,000 -63,163,000 -63,830,000 -86,476,000 -69,456,000 -73,053,000 -69,021,000 -76,340,000                -4,045,000 -12,773,000 -18,094,000 -13,260,000 -13,421,000 
        total stockholders' equity
      		763,032,000 757,396,000 753,204,000 745,962,000 748,113,000 744,853,000 751,537,000 753,571,000 847,978,000 849,534,000 869,284,000 866,230,000 872,640,000 874,974,000 955,169,000 995,470,000 1,014,423,000 1,063,812,000 1,092,341,000 1,124,060,000 1,069,672,000 1,094,570,000 1,110,789,000 1,158,111,000 1,183,261,000 1,236,081,000 991,201,000 989,273,000 1,094,010,000 1,114,652,000 1,119,534,000 1,164,746,000 1,166,476,000 1,163,610,000 
        total liabilities and stockholders' equity
      		7,607,656,000 7,620,878,000 7,648,010,000 7,740,450,000 7,733,141,000 7,731,385,000 7,772,379,000 7,683,461,000 7,897,832,000 7,974,866,000 8,064,815,000 8,349,336,000 8,289,318,000 7,889,590,000 7,389,891,000 7,186,223,000 7,183,688,000 7,357,994,000 7,335,153,000 7,310,209,000 6,773,833,000 6,610,401,000 6,641,006,000 6,658,751,000 6,702,440,000 6,656,211,000 4,933,700,000 4,843,847,000 4,796,242,000 4,585,308,000 4,523,281,000 4,486,009,000 4,405,046,000 4,301,941,000 
        unearned employee stock ownership plan shares; 1,856,456 shares and 1,956,805 shares, respectively
      		 -17,997,000                                 
        unearned employee stock ownership plan shares; 1,906,630 shares and 1,956,805 shares, respectively
      		  -18,484,000                                
        investment securities available for sale (amortized cost of 1,125,111 and 1,203,506, respectively), net of allowance for credit losses of 0 at june 30, 2025 and june 30, 2024
      		   1,012,969,000                               
        investment securities held to maturity (fair value of 106,712 and 119,278, respectively), net of allowance for credit losses of 0 at june 30, 2025 and june 30, 2024
      		   120,217,000                               
        federal home loan bank ("fhlb") of new york stock
      		   64,261,000    80,300,000   71,734,000     36,622,000 36,615,000 45,578,000 45,578,000 55,118,000 59,324,000 62,838,000 63,739,000 64,288,000 64,514,000          
        unearned employee stock ownership plan shares;1,956,805 shares and 2,157,501 shares, respectively
      		   -18,970,000                               
        unearned employee stock ownership plan shares; 2,006,979 shares and 2,157,501 shares, respectively
      		    -19,457,000                              
        unearned employee stock ownership plan shares; 2,057,152 shares and 2,157,501 shares, respectively
      		     -19,943,000                             
        unearned employee stock ownership plan shares; 2,107,326 shares and 2,157,501 shares, respectively
      		      -20,430,000                            
        investment securities available for sale (amortized cost of 1,203,506 and 1,383,867, respectively), net of allowance for credit losses of 0 at june 30, 2024 and june 30, 2023
      		       1,072,833,000                           
        investment securities held to maturity (fair value of 119,278 and 131,169, respectively), net of allowance for credit losses of 0 at june 30, 2024 and june 30, 2023
      		       135,742,000                           
        other real estate owned
      		        11,982,000 12,956,000 12,956,000 13,410,000 13,410,000 178,000 401,000 658,000 178,000 178,000 178,000 178,000 178,000 178,000  209,000 508,000 674,000         
        unearned employee stock ownership plan shares; 2,157,501 shares and 2,358,198 shares, respectively
      		       -20,916,000                           
        unearned employee stock ownership plan shares; 2,257,850 shares and 2,358,198 shares, respectively
      		        -21,889,000                          
        unearned employee stock ownership plan shares; 2,308,024 shares and 2,358,198 shares, respectively
      		         -22,375,000                         
        investment securities available for sale (amortized cost of 1,383,867 and 1,462,124, respectively), net of allowance for credit losses of 0 at june 30, 2023 and june 30, 2022
      		          1,227,729,000                        
        investment securities held to maturity (fair value of 131,169 and 108,118, respectively), net of allowance for credit losses of 0 at june 30, 2023 and june 30, 2022
      		          146,465,000                        
        unearned employee stock ownership plan shares; 2,358,198 shares and 2,558,895 shares, respectively
      		          -22,862,000                        
        unearned employee stock ownership plan shares; 2,408,373 shares and 2,558,895 shares, respectively
      		           -23,348,000                       
        unearned employee stock ownership plan shares; 2,458,547 shares and 2,558,895 shares, respectively
      		            -23,834,000                      
        unearned employee stock ownership plan shares; 2,508,720 shares and 2,558,895 shares, respectively
      		             -24,321,000                     
        investment securities available for sale (amortized cost 1,590,074 and 1,666,853, respectively), net of allowance for credit losses of 0 at march 31, 2022 and june 30, 2021
      		              1,526,086,000                    
        investment securities held to maturity (fair value 117,017 and 39,610, respectively), net of allowance for credit losses of 0 at march 31, 2022 and june 30, 2021
      		              121,853,000                    
        unearned employee stock ownership plan shares; 2,609,069 shares and 2,759,594 shares, respectively
      		              -25,294,000                    
        accumulated other comprehensive income
      		              -22,949,000 1,574,000 2,336,000 1,357,000 6,453,000 3,974,000 -4,125,000 7,955,000 8,690,000 7,579,000 8,802,000 18,818,000 15,174,000 6,412,000 703,000      
        investment securities available for sale (amortized cost 1,595,802 and 1,666,853, respectively), net of allowance for credit losses of 0 at december 31, 2021 and june 30, 2021
      		               1,591,066,000                   
        investment securities held to maturity (fair value 54,056 and 39,610, respectively), net of allowance for credit losses of 0 at december 31, 2021 and june 30, 2021
      		               53,142,000                   
        unearned employee stock ownership plan shares; 2,659,244 shares and 2,759,594 shares, respectively
      		               -25,780,000                   
        investment securities available for sale (amortized cost 1,648,192 and 1,666,853, respectively), net of allowance for credit losses of 0 at september 30, 2021 and june 30, 2021
      		                1,651,156,000                  
        investment securities held to maturity (fair value 38,673 and 39,610, respectively), net of allowance for credit losses of 0 at september 30, 2021 and june 30, 2021
      		                37,497,000                  
        unearned employee stock ownership plan shares; 2,709,420 shares and 2,759,594 shares, respectively
      		                -26,266,000                  
        investment securities available for sale, at fair value (amortized cost 1,777,316), net of allowance for credit losses of 0 at march 31, 2021
      		                 1,778,970,000                 
        investment securities held to maturity (fair value 28,408 and 34,069), respectively, net of allowance for credit losses of 0 at march 31, 2021
      		                 27,168,000                 
        unearned employee stock ownership plan shares; 2,809,766 shares and 2,960,289 shares, respectively
      		                 -27,239,000                 
        investment securities available for sale, at fair value (amortized cost 1,671,935), net of allowance for credit losses of 0 at december 31, 2020
      		                  1,695,893,000                
        investment securities held to maturity (fair value 31,063 and 34,069), respectively, net of allowance for credit losses of 0 at december 31, 2020
      		                  29,549,000                
        unearned employee stock ownership plan shares; 2,859,940 shares and 2,960,289 shares, respectively
      		                  -27,726,000                
        investment securities available for sale, at fair value (amortized cost 1,484,501), net of allowance for credit losses of 0 at september 30, 2020
      		                   1,508,542,000               
        investment securities held to maturity (fair value 33,136 and 34,069), respectively, net of allowance for credit losses of 0 at september 30, 2020
      		                   31,576,000               
        unearned employee stock ownership plan shares; 2,910,115 shares and 2,960,289 shares, respectively
      		                   -28,212,000               
        investment securities available for sale, at fair value
      		                    1,476,344,000 1,402,206,000 1,231,691,000 726,920,000 666,602,000 706,240,000         
        loans receivable, including unaccreted yield adjustments of (42,461) and (52,025), respectively
      		                    4,562,512,000              
        less: allowance for loan losses
      		                    -37,191,000 -30,937,000 -32,432,000 -33,105,000 -33,526,000          
        unearned employee stock ownership plan shares; 3,010,464 shares and 3,160,987 shares, respectively
      		                    -29,185,000              
        loans receivable, including unaccreted yield adjustments of (46,340) and (52,025), respectively
      		                     4,492,697,000             
        unearned employee stock ownership plan shares; 3,060,638 shares and 3,160,987 shares, respectively
      		                     -29,671,000             
        loans receivable, including unaccreted yield adjustments of (48,982) and (52,025), respectively
      		                      4,604,738,000            
        unearned employee stock ownership plan shares; 3,110,812 shares and 3,160,987 shares, respectively
      		                      -30,158,000            
        loans receivable, including unaccreted yield adjustments of (55,712) and (66,567), respectively
      		                       4,659,804,000           
        unearned employee stock ownership plan shares; 3,211,161 shares and 3,361,684 shares, respectively
      		                       -31,130,000           
        loans receivable, including unaccreted yield adjustments of (59,183) and (66,567), respectively
      		                        4,753,392,000          
        unearned employee stock ownership plan shares; 3,261,335 shares and 3,361,684 shares, respectively
      		                        -31,617,000          
        loans receivable, including unaccreted yield adjustments of (62,783) and (66,567), respectively
      		                         4,660,507,000         
        less allowance for loan losses
      		                         -32,731,000 -30,248,000 -30,066,000 -27,614,000 -26,060,000 -25,003,000 -23,010,000 -20,514,000 -17,690,000 
        federal home loan bank of new york stock
      		                         66,428,000         
        unearned employee stock ownership plan shares; 3,311,510 shares and 3,361,684 shares, respectively
      		                         -32,104,000         
        debt securities available for sale, at fair value
      		                          542,495,000 485,954,000       
        mortgage-backed securities available for sale, at fair value
      		                          142,276,000 151,717,000       
        securities available for sale
      		                          684,771,000 637,671,000 614,948,000 671,281,000 689,151,000 685,787,000 721,432,000 745,780,000 
        debt securities held to maturity
      		                          128,011,000 125,671,000 141,038,000 137,681,000 142,082,000 167,144,000 167,326,000 228,597,000 
        mortgage-backed securities held to maturity
      		                          331,369,000 345,781,000 360,949,000 380,138,000 396,237,000 425,286,000 431,065,000 429,912,000 
        securities held to maturity
      		                          459,380,000 471,452,000 501,987,000 517,819,000 538,319,000 592,430,000 598,391,000 658,509,000 
        loans receivable, including unamortized yield adjustments of 1,679 and 2,808
      		                          3,351,369,000        
        federal home loan bank of new york ("fhlb") stock
      		                          39,112,000 39,113,000 39,474,000 34,525,000 31,601,000 29,670,000 29,671,000 29,717,000 
        unearned employee stock ownership plan shares; 3,411,859 shares and 3,562,382 shares, respectively
      		                          -33,076,000        
        loans receivable, including unamortized yield adjustments of 1,999 and 2,808
      		                           3,291,516,000       
        preferred stock, 1.00 par value, 100,000,000 shares authorized; none issued and outstanding
      		                                  
        unearned employee stock ownership plan shares; 3,462,033 shares and 3,562,382 shares, respectively
      		                           -33,563,000       
        debt securities available for sale
      		                            437,879,000 399,456,000 392,487,000 388,068,000 413,495,000 416,470,000 
        mortgage-backed securities available for sale
      		                            177,069,000 271,825,000 296,664,000 297,719,000 307,937,000 329,310,000 
        loans receivable, including unamortized yield adjustments of 3,009 and 2,606
      		                            3,122,628,000      
        unearned employee stock ownership plan shares; 3,612,556 shares and 3,763,078 shares, respectively
      		                            -35,022,000      
        loans receivable, including unamortized yield adjustments of 3,289 and 2,606
      		                             2,973,931,000     
        unearned employee stock ownership plan shares; 3,662,730 shares and 3,763,078 shares, respectively
      		                             -35,508,000     
        loans receivable, including unamortized yield adjustments of 3,699 and 2,606
      		                              2,845,605,000    
        unearned employee stock ownership plan shares; 3,712,904 shares and 3,763,078 shares, respectively
      		                              -35,995,000    
        loans receivable, including unamortized yield adjustments of 2,834 and 316
      		                               2,720,069,000   
        unearned employee stock ownership plan shares; 3,813,253 shares and 3,963,776 shares, respectively
      		                               -36,968,000   
        loans receivable, including unamortized yield adjustments of 2,728 and 316
      		                                2,601,750,000  
        unearned employee stock ownership plan shares; 3,863,427 shares and 3,963,776 shares, respectively
      		                                -37,454,000  
        loans receivable, including unamortized yield adjustments of 2,580 and 316
      		                                 2,417,512,000 
        unearned employee stock ownership plan shares; 3,913,601 shares and 3,963,776 shares, respectively
      		                                 -37,940,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-03-31 2021-12-31 2021-09-30 2021-03-31 2020-12-31 2020-09-30 2020-03-31 2019-12-31 2019-09-30 2019-03-31 2018-12-31 2018-09-30 2018-03-31 2016-12-31 2016-09-30 2016-03-31 2015-12-31 2015-09-30 
                                     
          cash flows from operating activities:
        		                             
          net income
        		9,506,000 6,769,000 6,648,000 6,566,000 6,092,000 -13,827,000 9,842,000 12,013,000 10,312,000 1,951,000 16,535,000 17,693,000 18,769,000 19,715,000 16,423,000 16,948,000 11,379,000 9,254,000 10,652,000 11,370,000 11,417,000 10,768,000 11,146,000 5,377,000 5,464,000 4,667,000 4,168,000 3,797,000 2,976,000 
          adjustment to reconcile net income to net cash from operating activities:
        		                             
          depreciation and amortization of premises and equipment
        		1,042,000 1,079,000 1,080,000 1,119,000 1,108,000 1,196,000 1,230,000 1,380,000 1,422,000 1,459,000 1,472,000 1,471,000 1,497,000 1,502,000 1,472,000 1,458,000 1,425,000 1,141,000 1,137,000 1,126,000 1,118,000 1,055,000 1,017,000 772,000 723,000 748,000 753,000 752,000 736,000 
          net accretion of yield adjustments
        		-139,000 -27,000 -229,000 -490,000 -388,000 -685,000 -614,000 -778,000 -954,000 -1,811,000 -1,541,000                   
          deferred income taxes
        		1,892,000 -955,000 -745,000 -117,000 875,000 1,212,000 2,426,000  -386,000 229,000 3,307,000             102,000 57,000 285,000    
          amortization of intangible assets
        		119,000 118,000 125,000 126,000 126,000 134,000 134,000 133,000 142,000 144,000 144,000 178,000 180,000 181,000 263,000 269,000 265,000 303,000 307,000 308,000 273,000 274,000 278,000 26,000 36,000 36,000 40,000 43,000 43,000 
          net change in benefit plan accrued expense
        		-35,000                             
          (reversal of) benefit from credit losses
        		-82,000           -3,920,000 -2,420,000 -5,400,000                
          loans originated for sale
        		-28,605,000 -30,528,000 -17,448,000 -34,536,000 -29,463,000 -12,281,000 -20,531,000 -29,436,000 -20,396,000 -16,799,000 -39,657,000 -24,325,000 -66,838,000 -60,620,000 -37,634,000 -90,441,000 -121,596,000 -53,345,000 -63,265,000 -56,826,000 -11,389,000 -10,118,000 -12,209,000 -21,458,000      
          proceeds from sale of mortgage loans held-for-sale
        		28,085,000 30,974,000 17,068,000 38,011,000 26,833,000 13,043,000 26,403,000 26,362,000 25,562,000 18,341,000 57,151,000 34,428,000 68,051,000 65,234,000 46,006,000 100,036,000 124,105,000 48,591,000 68,475,000 59,203,000 11,506,000 10,722,000 11,683,000       
          gain on sale of mortgage loans held-for-sale
        		-199,000     -104,000 -215,000 -199,000 2,373,000 -134,000 -340,000 -376,000 -878,000 -1,006,000 -943,000 -2,026,000 -1,890,000 -538,000 -668,000 -605,000 -113,000 -101,000 -114,000       
          realized gain on disposition of premises and equipment
        		-749,000 2,000 -15,000 38,000 -1,000   0 0 -2,938,000 52,000   -1,000      106,000    3,000      
          increase in cash surrender value of bank owned life insurance
        		-2,689,000 -2,693,000 -2,570,000 -2,619,000 -2,567,000 -1,161,000 -1,666,000 -1,605,000 -1,581,000 -3,062,000 -2,397,000 -1,511,000 -1,562,000 -1,561,000 -1,530,000 -1,596,000 -1,596,000 -1,532,000 -1,576,000 -1,580,000 -1,560,000 -1,599,000 -1,594,000 -1,227,000      
          esop and stock-based compensation expense
        		847,000 915,000 525,000 1,056,000 680,000 1,280,000 1,283,000 902,000 1,296,000 1,313,000 1,362,000                   
          increase in interest receivable
        		-1,362,000     -492,000 -1,633,000 661,000 -1,426,000 -3,551,000 -3,351,000   -179,000 -736,000 542,000 -1,294,000   -33,000 -891,000 20,000 -945,000 -402,000      
          decrease in other assets
        		645,000                             
          increase in interest payable
        		-2,108,000 -751,000   1,625,000 -2,430,000 2,134,000 703,000 2,805,000 3,288,000 2,980,000 -1,000 45,000 5,000   62,000 -143,000 -2,430,000 -664,000 1,364,000 870,000 1,340,000 279,000 68,000 32,000 99,000 25,000 92,000 
          decrease in other liabilities
        		-4,664,000        -3,375,000     -16,751,000       425,000 -2,016,000 -2,541,000 -148,000      
          net cash from operating activities
        		1,504,000 8,088,000 16,800,000 -2,656,000 2,539,000 6,862,000 12,284,000 11,648,000 21,844,000 15,352,000 20,705,000 30,636,000 21,105,000 5,414,000 26,903,000 24,684,000 6,136,000 5,374,000 13,791,000 10,948,000 14,363,000 10,989,000 13,671,000 12,200,000 10,400,000 5,049,000 7,667,000 11,815,000 4,996,000 
          capital expenditures
        		0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 
          free cash flows
        		1,504,000 8,088,000 16,800,000 -2,656,000 2,539,000 6,862,000 12,284,000 11,648,000 21,844,000 15,352,000 20,705,000 30,636,000 21,105,000 5,414,000 26,903,000 24,684,000 6,136,000 5,374,000 13,791,000 10,948,000 14,363,000 10,989,000 13,671,000 12,200,000 10,400,000 5,049,000 7,667,000 11,815,000 4,996,000 
          cash flows from investing activities:
        		                             
          purchases of:
        		                             
          investment securities available for sale
        		-71,170,000 -46,033,000 0 -21,310,000 -37,542,000 -23,500,000 -40,500,000 0 0   -65,595,000 -58,550,000 -82,000,000 -260,192,000 -345,590,000 -259,381,000 -271,883,000 -207,817,000 -8,198,000          
          proceeds from:
        		                             
          repayments/calls/maturities of investment securities available for sale
        		79,405,000 37,028,000 28,573,000 54,607,000 63,608,000 33,143,000 24,287,000 24,538,000 29,356,000 39,505,000 31,288,000 70,754,000 109,853,000 99,889,000 153,687,000 132,908,000 120,894,000 40,981,000 33,539,000 36,674,000 6,495,000 36,273,000 17,609,000       
          repayments/calls/maturities of investment securities held to maturity
        		3,507,000 4,615,000 2,379,000 5,191,000 3,455,000 2,035,000 2,705,000 3,264,000 3,976,000 2,531,000 2,324,000 1,500,000 481,000 605,000 2,350,000 1,990,000 940,000 1,410,000   12,877,000 14,352,000 25,057,000       
          purchase of loans
        		-5,053,000 0      0 -46,000 0 -656,000 -40,140,000 -52,744,000 -19,601,000 -11,127,000 -1,922,000 -21,586,000 -7,567,000 -26,682,000 -7,567,000 -5,212,000 -36,681,000 -21,412,000 -920,000      
          net decrease (increase) in loans receivable
        		50,763,000     37,975,000 87,794,000           -59,253,000 140,091,000 84,804,000          
          additions to premises and equipment
        		-367,000 -786,000 -145,000     -100,000 -587,000 217,000 -885,000 -1,131,000 -328,000 -400,000 -665,000 -857,000 -1,367,000 -3,584,000 -1,711,000 -977,000 -971,000 -1,955,000 -2,423,000 -1,803,000      
          proceeds from death benefit of bank owned life insurance
        		301,000 1,605,000 280,000 1,466,000 255,000   0 34,000 3,079,000 1,884,000                   
          proceeds from cash settlement of premises and equipment
        		2,629,000 0 15,000 0 1,000   0 0   0 598,000 1,000    0   0 91,000 17,000    0 0 14,000 
          purchase of fhlb stock
        		-9,900,000 -15,939,000 -8,356,000 -11,349,000 -18,806,000 -19,475,000 -15,913,000 -13,965,000 -19,672,000 -36,450,000 -28,188,000          0 -1,215,000 -9,000,000 -2,610,000      
          redemption of fhlb stock
        		12,150,000 13,939,000 10,538,000 4,612,000 41,400,000 17,612,000 6,138,000 18,550,000 12,375,000 12,385,000 30,375,000    0 9,540,000 6,881,000 5,764,000 901,000 451,000 226,000 3,129,000 1,576,000 2,611,000 6,031,000 136,000 1,000 46,000 226,000 
          net cash from investing activities
        		62,265,000 30,285,000 -18,671,000 15,774,000 13,721,000 96,058,000 64,730,000 157,285,000 49,535,000 -418,842,000 -205,896,000 -233,886,000 -384,000 81,699,000 -67,244,000 -47,031,000 -25,369,000 -135,729,000 -58,539,000 107,357,000 46,201,000 -48,991,000 -161,848,000 -98,991,000      
          cash flows from financing activities:
        		                             
          net increase in deposits
        		-43,333,000  36,292,000 200,553,000 312,395,000 -114,529,000 -195,003,000  -167,907,000 -136,826,000 246,120,000 74,769,000 59,061,000 -89,927,000 62,230,000 273,187,000 150,000,000 64,668,000 -8,146,000 49,978,000 -35,380,000 219,163,000 -118,143,000 33,871,000 12,074,000 39,115,000 77,548,000   
          repayment of term fhlb advances
        		-1,200,000,000  -800,000,000 -936,000,000 -1,425,000,000 -2,125,000,000 -1,250,000,000  -1,750,000,000 -1,445,000,000 -1,420,000,000 -390,000,000 -390,000,000 -390,000,000 -590,000,000 -802,796,000 -865,000,000 -953,087,000 -845,029,000 -835,030,000 -830,030,000 -894,528,000 -585,028,000 -625,027,000      
          proceeds from term fhlb advances and other borrowings
        		1,100,000,000  800,000,000 855,000,000 1,100,000,000                         
          net increase in other short-term borrowings
        		50,000,000  -45,000,000 -140,000,000 95,000,000      -195,000,000   35,000,000      -31,271,000   55,078,000 11,169,000      
          net increase in advance payments by borrowers for taxes
        		-56,000  1,995,000 162,000 415,000    1,399,000 752,000 -191,000 207,000 550,000 470,000         -7,401,000       
          cancellation of shares repurchased on vesting to pay taxes
        		-415,000  0 0 -349,000 0 -399,000  -98,000 0 -341,000 -124,000 -719,000 -89,000 -114,000 -640,000 -49,000 -136,000 -878,000 -59,000 0         
          dividends paid
        		-7,095,000  -6,875,000 -6,853,000 -7,011,000 -6,812,000 -7,010,000  -7,173,000 -7,107,000 -7,243,000 -7,706,000 -8,229,000 -7,356,000 -7,188,000 -6,916,000 -6,877,000 -6,428,000 -6,110,000 -5,186,000 -5,477,000 -20,136,000 -3,791,000 -2,262,000      
          net cash from financing activities
        		-100,899,000  -13,588,000 -27,138,000 75,450,000 -86,279,000 -90,310,000  47,529,000 383,074,000 179,652,000 205,177,000 -14,339,000 -100,898,000 19,638,000 6,223,000 -15,916,000 148,011,000 -42,761,000 -27,935,000 -57,887,000 44,999,000 63,799,000 74,389,000 60,152,000 20,255,000 73,774,000 108,315,000 53,577,000 
          net increase in cash and cash equivalents
        		-37,130,000  -15,459,000 -14,020,000 91,710,000          -20,703,000 -16,124,000 -35,149,000 17,656,000 -87,509,000 90,370,000          
          cash and cash equivalents - beginning
        		167,269,000  0 0 63,864,000 0 70,515,000  0 0 101,615,000 0 0 67,855,000 0 0 180,967,000 0 0 38,935,000 0 0 128,864,000 0 0 199,200,000 0 0 340,136,000 
          cash and cash equivalents - ending
        		130,139,000  -15,459,000 -14,020,000 155,574,000 16,641,000 57,219,000  118,908,000 -20,416,000 96,076,000 1,927,000 6,382,000 54,070,000 -20,703,000 -16,124,000 145,818,000 17,656,000 -87,509,000 129,305,000 2,677,000 6,997,000 44,486,000 -12,402,000 -35,561,000 72,593,000 2,092,000 10,234,000 102,630,000 
          supplemental disclosures of cash flows information:
        		                             
          cash paid during the period for:
        		                             
          income taxes, net of refunds
        		2,711,000  2,024,000 225,000 1,268,000 250,000 4,069,000  300,000 2,300,000 6,018,000 -134,000 3,620,000 6,011,000 4,486,000 3,818,000 5,371,000 1,650,000 3,950,000 2,429,000 1,440,000 3,434,000 -241,000 -3,983,000 2,080,000 1,854,000 2,670,000 1,178,000 1,656,000 
          interest
        		46,912,000  46,174,000 53,596,000 49,181,000 49,216,000 39,874,000  32,428,000 24,370,000 12,909,000 6,875,000 7,180,000 7,611,000 10,851,000 14,138,000 16,660,000 21,308,000 25,005,000 23,876,000 19,655,000 19,803,000 16,686,000 11,210,000 8,631,000 8,754,000 8,319,000 7,861,000 6,967,000 
          goodwill impairment
        		                             
          benefit from credit losses
        		 1,785,000 366,000 107,000 108,000 2,105,000 245,000                       
          loss on sale of other real estate owned
        		                             
          (gain) loss on sale of mortgage loans held-for-sale
        		 -190,000                            
          realized loss on sale/call of securities available for sale
        		                             
          realized gain on sale of loans receivable
        		       0 0 0 -55,000 0   0               
          decrease (increase) in interest receivable
        		 423,000 -749,000 1,695,000 54,000             -775,000            
          decrease (increase) in other assets
        		 1,516,000   486,000       2,288,000 3,428,000 963,000        -859,000 2,737,000       
          increase in other liabilities
        		 -897,000 1,888,000 -1,196,000 -2,944,000 -2,054,000 3,943,000     4,194,000   1,347,000 835,000 -663,000 -11,000 2,528,000 15,135,000       -1,830,000 -9,866,000 12,654,000 
          investment securities held to maturity
        		 0 0     0 0   -70,244,000         -6,871,000 -10,000,000 -38,376,000       
          sale of investment securities available for sale
        		                             
          net increase in loans receivable
        		 35,856,000 -49,768,000 -14,836,000 -37,293,000   124,683,000 24,099,000 -341,907,000 -241,986,000          101,061,000 -53,188,000 -134,896,000 -61,096,000      
          proceeds from sale of loans receivable
        		       0 0 0 706,000 0   0               
          purchase of interest rate caps
        		                 0            
          proceeds from sale of other real estate owned
        		                             
          net surrender of bank owned life insurance
        		                             
          see notes to consolidated financial statements.
        		                             
          amortization (accretion) of benefit plans’ unrecognized net gain
        		  -26,000 -28,000 115,000             5,000 5,000 475,000          
          loss on write-down of other real estate owned
        		                             
          realized loss on sale/call of investment securities available for sale
        		                             
          sales of investment securities available for sale
        		        0      0 25,242,000 19,600,000 160,653,000 0 3,646,000          
          purchase of interest rate contracts
        		  -1,457,000      0 0 -758,000                   
          proceeds from the sale of other real estate owned
        		                             
          repurchase and cancellation of common stock of kearny financial corp.
        		     -4,773,000 -6,467,000  -6,692,000 -5,745,000 -8,693,000 -26,969,000 -30,002,000 -38,996,000 -34,863,000   -17,528,000 -21,672,000 -30,582,000 -32,388,000 -50,193,000 -26,916,000 -10,820,000      
          non-cash investing and financing activities:
        		                             
          transfers from loans receivable to loans held-for-sale
        		                             
          increase in other assets
        		     1,834,000 -10,579,000   -171,000 -5,340,000    2,204,000 231,000 -3,456,000 -217,000 -3,513,000 -16,714,000          
          decrease in interest payable
        		              -169,000               
          unsettled surrender of bank owned life insurance policies
        		                             
          loss on sale of mortgage loans held-for-sale
        		    -200,000                         
          (additions) deletions to premises and equipment
        		    -1,357,000                         
          deferred income taxes and valuation allowance
        		           1,459,000 2,364,000 3,120,000 742,000 1,407,000 855,000 -1,795,000 1,575,000 1,365,000 1,057,000 1,635,000 1,006,000       
          amortization of benefit plans’ unrecognized net income
        		                             
          benefit from (reversal of) credit losses
        		       -306,000 451,000 1,671,000 670,000     -1,365,000 4,059,000             
          gain on sale of other real estate owned
        		                             
          accretion of benefit plans’ unrecognized net gain
        		     -14,000 -110,000              11,000 11,000 -47,000       
          deletions (additions) to premises and equipment
        		     -253,000 219,000                       
          purchase of bank owned life insurance
        		                             
          proceeds from term fhlb advances
        		     2,100,000,000 1,425,000,000  1,650,000,000 1,905,000,000 1,565,000,000 265,000,000 390,000,000 390,000,000 590,000,000 590,000,000 775,000,000 875,000,000 825,000,000 825,000,000 825,000,000 852,000,000 750,000,000 625,000,000 425,000,000 425,000,000 425,000,000 425,000,000 425,000,000 
          acquisition of other real estate owned in settlement of loans
        		        0   223,000                  
          realized (gain) loss on disposition of premises and equipment
        		      -8,000     0           -6,000       
          net decrease in other short-term borrowings
        		      -55,000,000         0 -68,635,000             
          net decrease in advance payments by borrowers for taxes
        		      -1,431,000        -800,000 -908,000 -355,000 -93,000 483,000 -785,000          
          net decrease in cash and cash equivalents
        		      -13,296,000   -20,416,000 -5,539,000 1,927,000 6,382,000 -13,785,000       2,677,000 6,997,000 -84,378,000 -12,402,000      
          transfers from loans receivable to loans receivable held-for-sale
        		        0 1,412,000 1,216,000    0               
          bargain purchase gain
        		                             
          realized gain on sale/call of securities available for sale
        		                             
          realized loss on debt extinguishment
        		              0               
          loss on write-down of premises
        		                             
          net cash acquired in acquisition
        		              0 0 4,296,000             
          amortization of benefit plans’ unrecognized net (gain) loss
        		        -5,000 -6,000 -33,000             11,000      
          realized gain on sale/call of investment securities available for sale
        		        0   -3,000                  
          decrease increase in other liabilities
        		          -10,254,000                   
          net accretion of premiums, discounts and loan fees and costs
        		           -1,266,000 -1,263,000 -1,845,000 -3,637,000 -2,897,000 -4,723,000 -2,141,000 -1,530,000 -3,045,000          
          exercise of stock options
        		                             
          fair value of assets acquired, net of cash and cash equivalents acquired
        		              0 0 567,816,000             
          fair value of liabilities assumed
        		              0 0 523,926,000             
          amortization of benefit plans’ unrecognized net gain
        		            19,000 20,000 20,000 21,000 21,000        16,000 17,000    
          esop, stock option plan and restricted stock plan expenses
        		            1,682,000 2,038,000 1,953,000 1,904,000 1,859,000 2,071,000 2,174,000 2,095,000 2,230,000 2,178,000 2,224,000 2,252,000 1,326,000 739,000 730,000 697,000 708,000 
          net decrease in loans receivable
        		            15,349,000 83,205,000 45,302,000 87,727,000 104,354,000             
          (purchase) redemption of fhlb stock
        		                             
          realized (gain) loss on sale/call of investment securities available for sale
        		             -1,000                
          realized gain on bargain purchase
        		              0 0 -3,053,000             
          loss on write-down and sales of other real estate owned
        		                 0   6,000 -36,000 50,000       
          realized gain on sale and call of investment securities available for sale
        		                             
          realized loss on disposition of premises and equipment
        		              14,000   0   -7,000         
          in conjunction with the adoption of asu 2019-04, the following qualifying held to maturity securities were transferred to available for sale:
        		                             
          debt securities transferred from held to maturity to available for sale
        		                 0 0 537,732,000          
          in conjunction with the adoption of asu 2016-02, the following assets and liabilities were recognized:
        		                             
          operating lease right-of-use assets
        		                 0 0 17,243,000          
          operating lease liabilities
        		                 0 0 17,758,000          
          realized (gain) loss on sale and call of investment securities available for sale
        		                             
          realized loss on sale and call of investment securities available for sale
        		                377,000  -11,000 14,000          
          benefit from loan losses
        		                    -179,000 971,000 2,100,000 423,000 1,255,000 1,129,000 2,589,000 3,414,000 2,641,000 
          proceeds from sale of sba loans
        		                    707,000 0 215,000       
          realized gain on sale of sba loans
        		                    -38,000 0 -18,000       
          acquisition of real estate owned in settlement of loans
        		                 0      0 830,000 889,000 0 1,134,000 786,000 
          in conjunction with the adoption of asu 2019-04, as detailed in note 6 to the unaudited consolidated financial statements, the following qualifying held to maturity securities were transferred to available for sale:
        		                             
          in conjunction with the adoption of asu 2016-02, as detailed in note 6 to the unaudited consolidated financial statements, the following assets and liabilities were recognized:
        		                             
          (reversal of) benefit from loan losses
        		                  -1,465,000 -782,000          
          in conjunction with the adoption of asu 2019-04, as detailed in note 7 to the unaudited consolidated financial statements, the following qualifying held to maturity securities were transferred to available for sale:
        		                             
          in conjunction with the adoption of asu 2016-02, as detailed in note 7 to the unaudited consolidated financial statements, the following assets and liabilities were recognized:
        		                             
          purchase of cash flow hedges
        		                   -1,476,000          
          net amortization of premiums, discounts and loan fees and costs
        		                    -3,012,000 -2,816,000 -2,651,000 1,129,000 1,431,000 1,354,000 1,144,000 1,026,000 1,117,000 
          realized loss on sale of investment securities available for sale
        		                             
          realized loss on call of investment securities held to maturity
        		                             
          proceeds from sale of real estate owned
        		                    293,000   607,000 161,000 344,000 790,000   
          loss on write-down and sales of real estate owned
        		                       -7,000 -12,000 15,000 48,000   
          proceeds from sale of loans held-for-sale
        		                       22,773,000 37,588,000 17,756,000    
          realized gain on sale of loans held-for-sale
        		                       -202,000      
          realized gain on sale of loans
        		                       -144,000      
          realized loss on call of debt securities available for sale
        		                             
          realized gain on call of debt securities held to maturity
        		                             
          realized loss on sale of mortgage-backed securities available for sale
        		                             
          realized gain on sale of mortgage-backed securities held to maturity
        		                             
          debt securities available for sale
        		                       -56,241,000      
          debt securities held to maturity
        		                       -5,000,000      
          mortgage-backed securities available for sale
        		                             
          mortgage-backed securities held to maturity
        		                       0      
          repayments/calls/maturities of debt securities available for sale
        		                       111,000      
          repayments/calls/maturities of debt securities held to maturity
        		                       2,585,000      
          repayments/maturities of mortgage-backed securities available for sale
        		                       6,859,000      
          sales of mortgage-backed securities available for sale
        		                             
          repayments/maturities of mortgage-backed securities held to maturity
        		                       14,106,000      
          sales of mortgage-backed securities held to maturity
        		                             
          proceeds from sale of loans
        		                       1,800,000 2,093,000 2,124,000 1,839,000 933,000 878,000 
          net change in overnight borrowings
        		                        65,000,000 25,000,000    
          cancellation of shares issued for restricted stock awards
        		                       0      
          issuance of shares in consideration of exercise of stock options
        		                             
          purchases of debt securities available for sale
        		                             
          proceeds from repayments of debt securities available for sale
        		                        30,239,000 237,000 169,000 248,000 141,000 
          purchases of mortgage-backed securities available for sale
        		                             
          principal repayments on mortgage-backed securities available for sale
        		                        16,071,000 16,375,000 14,802,000 17,394,000 19,591,000 
          purchase of debt securities held to maturity
        		                             
          proceeds from repayments of debt securities held to maturity
        		                           61,564,000 350,000 
          purchases of mortgage-backed securities held to maturity
        		                             
          principal repayments on mortgage-backed securities held to maturity
        		                        15,545,000 13,357,000 10,929,000 10,313,000 12,964,000 
          cash dividends paid
        		                             
          cash paid during the year for:
        		                             
          gain on sale of loans held-for-sale
        		                             
          proceeds from calls and maturities of debt securities held to maturity
        		                         25,350,000    
          realized loss on sale of debt securities available for sale
        		                             
          realized gain on sale of mortgage-backed securities available for sale
        		                             
          purchase of debt securities available for sale
        		                             
          proceeds from maturities of debt securities available for sale
        		                             
          proceeds from sale of debt securities available for sale
        		                             
          proceeds from sale of mortgage-backed securities available for sale
        		                             
          proceeds from repayment of boli cash surrender value
        		                             
          adjustment to cash acquired in merger
        		                             
          increase in other short-term borrowings
        		                            6,881,000 
          decrease in advance payments by borrowers for taxes
        		                             
          issuance of common stock of kearny financial corp. from treasury
        		                             
          payment of cash for exercise of stock options
        		                             
          decrease in other short-term borrowings
        		                             
          net decrease in deposits
        		                             
          increase in advance payments by borrowers for taxes
        		                            249,000