Kearny Financial Corp. (Kearny Financial) is a holding company for Kearny Bank (the Bank). The Bank is a federally chartered stock savings bank. The Company is a unitary savings and loan holding company. The Company's primary business is the ownership and operation of the Bank. The Bank is principally engaged in the business of attracting deposits from the 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 consists of loans collateralized by residential and commercial real estate augmented by secured and unsecured loans to businesses and consumers. It maintains a portfolio of investment securities, which primarily consists of the United States agency mortgage-backed securities, the United States government and agency debentures, bank-qualified municipal obligations, corporate bonds, asset-backed securities and collateralized loan obligations.