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Community Reinvestment Act

CRA Public File

CRA Public File

In accordance with the Community Reinvestment Act (CRA), Kearny Bank is required to maintain and make available for public inspection a complete CRA Public File. The information provided is current as of April 1 of each year and quarterly where applicable. If you're interested in viewing our CRA Public File, please click on the documents listed below.

Kearny Bank is committed to improving lives in the communities we serve.

 

What is the Community Reinvestment Act (CRA), the CRA Public File and its Contents?

The Community Reinvestment Act (CRA) is a federal law designed to encourage insured financial institutions to help meet the credit and community development needs of all income levels of their communities, including low- and moderate-income neighborhoods. Congress passed the Act in 1977 to reduce discriminatory credit practices against low-income neighborhoods.

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Branch and ATM Information

A list of the Banks Branches including their street addresses, Hours of Operation and ATM Information.

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List of Products, Services, Fees, and Alternative Delivery Methods

A list of services (loan and deposit products and fees) generally offered at the Banks branches and description of material differences in the availability or cost of services at particular branches, if any.

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Opened and Closed Branches

Branches opened or closed by the Bank during the current year and each of the prior two years.

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Written Public Comments

View written comments received from the public for the current year, and each of the two prior calendar years, that specifically relate to the bank's performance in helping to meet community credit needs, and response to the comments by the bank.

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CRA FDIC Performance Evaluation

This document is an evaluation of this Bank’s record of meeting the credit needs of our entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the Bank prepared by our regulator, the FDIC.

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HMDA Disclosure Statements - Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's website.

Learn More here.

CRA Disclosure Statements

The CRA disclosure statement, which is publicly available on the Federal Financial Institutions Examination Council (FFIEC) website, provides detailed information on the bank’s small-business and small-farm lending. Additionally, this report provides aggregated information regarding the bank’s community development lending.

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Assessment Area and Geographies

A map of each assessment area showing the boundaries of the area and the geographies contained within the area

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CRA Public Notice

This notice explains that the public has the right to review a Banks CRA Public File and to make written comments about the Banks CRA Performance and is posted at each office or branch of the Bank.

 

Full CRA Public File

Download our complete CRA Public File in one single file.

Download here.

 

Questions? Contact Us

If you have any questions related to the Community Reinvestment Act or would like to receive a hard copy of this file, please send us an email at [email protected].

 

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