Stockholders' Equity (Tables)

12 Months Ended

Jun. 30, 2025

The following tables present information regarding the Bank’s regulatory capital levels at June 30, 2025 and 2024:


	At June 30, 2025
	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in Thousands)
Total capital (to risk-weighted assets)	$	704,969	14.49	%	$	389,184	8.00	%	$	486,481	10.00	%
Tier 1 capital (to risk-weighted assets)	662,232		13.61	%	291,888		6.00	%	389,184		8.00	%
Common equity tier 1 capital (to risk-weighted assets)	662,232		13.61	%	218,916		4.50	%	316,212		6.50	%
Tier 1 capital (to adjusted total assets)	662,232		8.68	%	305,162		4.00	%	381,453		5.00	%


	At June 30, 2024
	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in Thousands)
Total capital (to risk-weighted assets)	$	688,597	14.42	%	$	382,034	8.00	%	$	477,542	10.00	%
Tier 1 capital (to risk-weighted assets)	651,620		13.65	%	286,525		6.00	%	382,034		8.00	%
Common equity tier 1 capital (to risk-weighted assets)	651,620		13.65	%	214,894		4.50	%	310,402		6.50	%
Tier 1 capital (to adjusted total assets)	651,620		8.44	%	308,656		4.00	%	385,820		5.00	%

The following tables present information regarding the consolidated Company’s regulatory capital levels at June 30, 2025 and 2024:


	At June 30, 2025
	Actual				For Capital Adequacy Purposes
	Amount		Ratio		Amount		Ratio
	(Dollars in Thousands)
Total capital (to risk-weighted assets)	$	748,323	15.37	%	$	389,434	8.00	%
Tier 1 capital (to risk-weighted assets)	705,586		14.49	%	292,076		6.00	%
Common equity tier 1 capital (to risk-weighted assets)	705,586		14.49	%	219,057		4.50	%
Tier 1 capital (to adjusted total assets)	705,586		9.23	%	305,661		4.00	%


	At June 30, 2024
	Actual				For Capital Adequacy Purposes
	Amount		Ratio		Amount		Ratio
	(Dollars in Thousands)
Total capital (to risk-weighted assets)	$	743,741	15.57	%	$	382,247	8.00	%
Tier 1 capital (to risk-weighted assets)	706,764		14.79	%	286,685		6.00	%
Common equity tier 1 capital (to risk-weighted assets)	706,764		14.79	%	215,014		4.50	%
Tier 1 capital (to adjusted total assets)	706,764		9.15	%	309,031		4.00	%

Kearny Financial Corp. 10-K