(Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________________ FORM 10-K ___________________________________________________ For the Fiscal Year Ended June 30, 2023 Or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to Commission File Number: 001-37399 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 __________________________________________ FORM 10-Q __________________________________________ (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR (Exact name of registrant as specified in its charter) __________________________________________ (State or other jurisdiction of incorporation or organization) 120 Passaic Ave., Fairfield, New ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 __________________________________________ FORM 10-Q __________________________________________ (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2022 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________to Commission File Number 001-37399 _________________________ ...

Financial Performance - Net income for Q3 2022 was $16.5 million, a decrease of 16.2% from $19.7 million in Q3 2021[148]. - Net interest income decreased by $1.1 million to $48.5 million in Q3 2022, compared to $49.6 million in Q3 2021[149]. - Net interest margin decreased by 30 basis points to 2.69% in Q3 2022 from 2.99% in Q3 2021[150]. - Total non-interest income increased by $2.1 million to $5.9 million in Q3 2022[157]. - Total non-interest expense increased by $185,000 to $32.0 million in Q3 2022[159]. - Provision for income taxes decreased by $2.0 million to $5.3 million in Q3 2022 from $7.3 million in Q3 2021[162]. Asset and Liability Management - Total assets increased by $169.7 million to $7.89 billion at September 30, 2022, from $7.72 billion at June 30, 2022[128]. - Net loans receivable increased by $238.0 million, or 4.4%, to $5.61 billion at September 30, 2022, from $5.37 billion at June 30, 2022[132]. - Total deposits increased by $246.0 million, or 4.2%, to $6.11 billion at September 30, 2022, from $5.86 billion at June 30, 2022[142]. - Nonperforming assets decreased by $14.8 million to $77.4 million, or 0.98% of total assets, at September 30, 2022[136]. - The allowance for credit losses totaled $47.6 million, or 0.84% of total loans, reflecting an increase of $555,000 from $47.1 million at June 30, 2022[139]. - Investment securities available for sale decreased by $80.9 million to $1.26 billion at September 30, 2022[129]. Capital Management - Stockholders' equity decreased by $19.0 million to $875.0 million at September 30, 2022, from $894.0 million at June 30, 2022[145]. - Book value per share decreased by $0.14 to $12.88 at September 30, 2022[146]. - The company repurchased 759,806 shares of common stock at a cost of $8.7 million during the quarter ended September 30, 2022[147]. - Total capital to risk-weighted assets ratio was 12.67% as of September 30, 2022, exceeding the minimum regulatory requirement of 8.00%[169]. - Total capital to risk-weighted assets increased to $781,745 (14.49%) as of September 30, 2022, compared to $672,274 (13.10%) on June 30, 2022[170]. - Tier 1 capital to risk-weighted assets rose to $747,258 (13.85%) as of September 30, 2022, up from $642,336 (12.52%) on June 30, 2022[170]. - Common equity tier 1 capital to risk-weighted assets improved to $747,258 (13.85%) as of September 30, 2022, compared to $642,336 (12.52%) on June 30, 2022[170]. Interest Rate Risk - Economic Value of Equity (EVE) decreased by 19.96% to $971,747 under a +300 basis points interest rate scenario as of September 30, 2022[177]. - Net Interest Income (NII) decreased by 8.98% to $177,190 under a +300 basis points interest rate scenario as of September 30, 2022[177]. - The company adopted a five-year capital transition relief period for the implementation of CECL, with the two-year delay ending on June 30, 2022[170]. - Interest rate risk is managed through an Asset/Liability Management (ALM) program overseen by the Board of Directors[173]. - The company’s internal interest rate risk analysis measures the sensitivity of projected NII and EVE to interest rate changes[174]. - As of September 30, 2022, the company’s interest rate risk analysis included scenarios of immediate and permanent shifts in the yield curve up and down by 100, 200, and 300 basis points[176]. - The company's net interest income (NII) is projected to decrease by 15.37% to $1,089,795 thousand under a +300 bps interest rate scenario[178]. - Under a +200 bps scenario, NII is expected to decline by 10.21% to $1,156,219 thousand[178]. - A +100 bps change in interest rates would result in a NII decrease of 3.71%, bringing it to $1,239,935 thousand[178]. - The baseline NII at 0 bps is reported at $1,287,700 thousand, with no percentage change[178]. - A -100 bps scenario indicates a slight NII decrease of 1.20%, resulting in $1,272,203 thousand[178]. - The company's economic value of equity (EVE) is projected to decrease by 15.37% to $178,865 thousand under a +300 bps scenario[178]. - EVE is expected to decline by 10.21% to $187,601 thousand under a +200 bps scenario[178]. - The company acknowledges that future interest rates and their impact on NII are unpredictable and based on numerous assumptions[180]. - Changes in market interest rates can significantly alter projected cash flows of interest-earning assets and interest-costing liabilities[179]. - The company highlights that certain assets and liabilities may react differently to changes in market interest rates, affecting overall interest rate risk exposure[180].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended June 30, 2022 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37399 KEARNY FINANCIAL CORP. (Exact name of Registrant as specified in its Charter) Maryland 30-0870244 (State or Other Jurisdiction of ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37399 KEARNY FINANCIAL CORP. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporatio ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37399 KEARNY FINANCIAL CORP. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorpora ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37399 KEARNY FINANCIAL CORP. (Exact name of registrant as specified in its charter) Maryland 30-0870244 (State or other juri ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended June 30, 2021 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37399 KEARNY FINANCIAL CORP. (Exact name of Registrant as specified in its Charter) Maryland 30-0870244 (State or Other Jurisdiction of ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-37399 Washington, D.C. 20549 FORM 10-Q Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the ...