| (Mark One)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
| X                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   | EXCHANGE ACT OF 1934 |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
| For the quarterly period ended                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | September 30, 2010 |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
| 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  000-51093                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
| KEARNY FINANCIAL CORP.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| (Exact name of registrant as specified in its charter)                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
| UNITED STATES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   | 22-3803741 |
| (State or other jurisdiction of                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   | (I.R.S. Employer |
| incorporation or organization)                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   | Identification Number) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
| 120 Passaic Ave., Fairfield, New Jersey                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   | 07004-3510 |
| (Address of principal executive offices)                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | (Zip Code) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
| Registrant’s telephone number, including area code                                                                                                                                                                                                                                                                                                                                                                                                                                                   |  973-244-4500 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
|       Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   Yes  [X]  No [  ]                                         |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
|       Indicate by check mark whether the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).   Yes  [  ]  No [  ] |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
|       Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company.  See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.                                                                                                                      |
| Large accelerated filer [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | Accelerated filer [X] |
| Non-accelerated filer [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Smaller reporting company [  ] |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
|       Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).      Yes [  ] No  [X]                                                                                                                                                                                                                                                                               |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
|       The number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: November 5, 2010.                                                                                                                                                                                                                                                                                                                           |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   |
| $0.10 par value common stock  -  67,975,477 shares outstanding                                                                                                                                                                                                                                                                                                                                                                                                                         |

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|                           |                                                                     | Page   |
|--------------------------------|--------------------------------------------------------------------------|--------|
|                           |                                                                     | Number |
| PART I - FINANCIAL INFORMATION |                                                                     |   |
|                           |                                                                     |   |
| Item 1:                        | Financial Statements                                                     |   |   |
|                           |                                                                     |   |
|                           | Consolidated Statements of Financial Condition                           |   |   |
|                           | at September 30, 2010 and June 30, 2010 (Unaudited)                      |   | 1 |
|                           |                                                                     |   |
|                           | Consolidated Statements of Income for the Three Months                   |   |   |
|                           | Ended September 30, 2010 and September 30, 2009 (Unaudited)              |   | 2-3 |
|                           |                                                                     |   |
|                           | Consolidated Statements of Changes in Stockholders’ Equity for the |   |   |
|                           | Three Months Ended September 30, 2010 and September 30, 2009 (Unaudited) |   | 4-5 |
|                           |                                                                     |   |
|                           | Consolidated Statements of Cash Flows for the Three                      |   |   |
|                           | Months Ended September 30, 2010 and September 30, 2009 (Unaudited)       |   | 6-7 |
|                           |                                                                     |   |
|                           | Notes to Consolidated Financial Statements (Unaudited)                   |   | 8-29 |
|                           |                                                                     |   |
| Item 2:                        | Management’s Discussion and Analysis of                            |   |   |
|                           | Financial Condition and Results of Operations                            |   | 30-42 |
|                           |                                                                     |   |
| Item 3:                        | Quantitative and Qualitative Disclosure About Market Risk                |   | 43-50 |
|                           |                                                                     |   |
| Item 4:                        | Controls and Procedures                                                  |   | 51 |
|                           |                                                                     |   |
|                           |                                                                     |   |
| PART II - OTHER INFORMATION    |                                                                     | 52-54  |
|                           |                                                                     |   |
|                           |                                                                     |   |
| SIGNATURES                     |                                                                     | 55     |
|                           |                                                                     |   |

----

|                                                                                             |   | September 30,                                                                                                             |   |   | June 30,                                                                                                                  |
|--------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------------------------------|--------|--------|---------------------------------------------------------------------------------------------------------------------------|
|                                                                                             |   | 2010                                                                                                                      |   |   | 2010                                                                                                                      |
| Assets                                                                                           |   |                                                                                                                      |   |   |                                                                                                                      |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Cash and amounts due from depository institutions                                                | $      |            45,211                                                  | $      |   |              3,286                                       |
| Interest-bearing deposits in other banks                                                         |   |            73,873                                                  |   |   |          178,136                                                             |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
|         Cash and Cash Equivalents                        |   |          119,084                                                             |   |   |          181,422                                                             |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Securities available for sale (amortized cost $30,441 and $30,960)                               |   |            29,382                                                  |   |   |            29,497                                                  |
| Securities held to maturity (estimated fair value $232,063 and $256,914)                         |   |          229,976                                                             |   |   |          255,000                                                             |
| Loans receivable, including net deferred loan costs of $351 and $564                             |   |          997,744                                                             |   |   |       1,013,713                                                                             |
|   Less allowance for loan losses                                                       |   |             (9,377)                                           |   |   |             (8,561)                                           |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
|   Net Loans Receivable                                                                 |   |          988,367                                                             |   |   |       1,005,152                                                                             |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Mortgage-backed securities available for sale (amortized cost $815,706 and $673,414)             |   |          844,042                                                             |   |   |          703,455                                                             |
| Mortgage-backed securities held to maturity (estimated fair value $1,701 and $1,754)             |   |              1,625                                       |   |   |              1,700                                       |
| Premises and equipment                                                                           |   |            34,854                                                  |   |   |            34,989                                                  |
| Federal Home Loan Bank of New York (“FHLB”) stock                                    |   |            12,867                                                  |   |   |            12,867                                                  |
| Interest receivable                                                                              |   |              8,298                                       |   |   |              8,338                                       |
| Goodwill                                                                                         |   |            82,263                                                  |   |   |            82,263                                                  |
| Bank owned life insurance                                                                        |   |            19,996                                                  |   |   |            19,833                                                  |
| Other assets                                                                                     |   |              5,518                                       |   |   |              5,297                                       |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
|         Total Assets                                     | $      |       2,376,272                                                                             | $      |   |       2,339,813                                                                             |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Liabilities and Stockholders’ Equity                                                       |   |                                                                                                                      |   |   |                                                                                                                      |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Liabilities                                                                                      |   |                                                                                                                      |   |   |                                                                                                                      |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Deposits:                                                                                        |   |                                                                                                                      |   |   |                                                                                                                      |
|   Non-interest-bearing                                                                 | $      |            49,785                                                  | $      |   |            53,309                                                  |
|   Interest-bearing                                                                     |   |       1,613,603                                                                             |   |   |       1,569,853                                                                             |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
|         Total Deposits                                   |   |       1,663,388                                                                             |   |   |       1,623,562                                                                             |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Advances from FHLB                                                                               |   |          210,000                                                             |   |   |          210,000                                                             |
| Advance payments by borrowers for taxes                                                          |   |              5,338                                       |   |   |              5,699                                       |
| Deferred income tax liabilities, net                                                             |   |              3,093                                       |   |   |              4,391                                       |
| Other liabilities                                                                                |   |            10,481                                                  |   |   |            10,235                                                  |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
|         Total Liabilities                                |   |       1,892,300                                                                             |   |   |       1,853,887                                                                             |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Stockholders’ Equity                                                                       |   |                                                                                                                      |   |   |                                                                                                                      |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
| Preferred stock $0.10 par value, 25,000,000 shares authorized; none issued                       |   |                                                                                                                      |   |   |                                                                                                                      |
|   and outstanding                                                                      |   |                     - |   |   |                     - |
| Common stock $0.10 par value, 75,000,000 shares authorized; 72,737,500 shares                    |   |                                                                                                                      |   |   |                                                                                                                      |
|   issued; 67,975,477 and 68,344,277 shares outstanding, respectively                   |   |              7,274                                       |   |   |              7,274                                       |
| Paid-in capital                                                                                  |   |          214,777                                                             |   |   |          213,529                                                             |
| Retained earnings                                                                                |   |          313,379                                                             |   |   |          312,844                                                             |
| Unearned Employee Stock Ownership Plan shares; 933,464 shares                                    |   |                                                                                                                      |   |   |                                                                                                                      |
|   and 969,828 shares, respectively                                                     |   |             (9,335)                                           |   |   |             (9,698)                                           |
| Treasury stock, at cost; 4,762,023 shares and 4,393,223 shares, respectively                     |   |           (58,054)                                                      |   |   |           (54,738)                                                      |
| Accumulated other comprehensive income                                                           |   |            15,931                                                  |   |   |            16,715                                                  |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
|         Total Stockholders’ Equity                 |   |          483,972                                                             |   |   |          485,926                                                             |
|                                                                                             |   |                                                                                                                      |   |   |                                                                                                                      |
|         Total Liabilities and Stockholders’ Equity | $      |       2,376,272                                                                             | $      |   |       2,339,813                                                                             |

----

|                                                                        |   | Three Months Ended                                                                                      |   |
|-----------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------------|--------|
|                                                                        |   | September 30,                                                                                           |   |
|                                                                        |   | 2010                                                                                                    |   | 2009 |   |
|                                                                        |   |                                                                                                    |   |   |   |
| Interest Income:                                                            |   |                                                                                                    |   |   |   |
|     Loans                                               | $      |         13,801                                                  | $      |         14,879 |   |
|     Mortgage-backed securities                          |   |           7,398                                       |   |           7,829 |   |
|     Securities:                                         |   |                                                                                                    |   |   |   |
|       Taxable                                 |   |           1,408                                       |   |                60 |   |
|       Tax-exempt                              |   |              157                       |   |              158 |   |
|     Other interest-earning assets                       |   |              179                       |   |              230 |   |
|                                                                        |   |                                                                                                    |   |   |   |
|         Total Interest Income       |   |         22,943                                                  |   |         23,156 |   |
|                                                                        |   |                                                                                                    |   |   |   |
| Interest Expense:                                                           |   |                                                                                                    |   |   |   |
|     Deposits                                            |   |           6,323                                       |   |           7,828 |   |
|     Borrowings                                          |   |           2,075                                       |   |           2,075 |   |
|                                                                        |   |                                                                                                    |   |   |   |
|         Total Interest Expense      |   |           8,398                                       |   |           9,903 |   |
|                                                                        |   |                                                                                                    |   |   |   |
| Net Interest Income                                                         |   |         14,545                                                  |   |         13,253 |   |
|                                                                        |   |                                                                                                    |   |   |   |
| Provision for Loan Losses                                                   |   |           1,251                                       |   |              858 |   |
|                                                                        |   |                                                                                                    |   |   |   |
| Net Interest Income after Provision                                         |   |                                                                                                    |   |   |   |
|   for Loan Losses                                                 |   |         13,294                                                  |   |         12,395 |   |
|                                                                        |   |                                                                                                    |   |   |   |
| Non-Interest Income:                                                        |   |                                                                                                    |   |   |   |
|     Fees and service charges                            |   |              342                       |   |              378 |   |
|     Other-than-temporary security                       |   |                                                                                                    |   |   |   |
|       impairment:                             |   |                                                                                                    |   |   |   |
|       Total                                   |   |                  - |   |            (295) |   |
|       Less: Portion recognized in             |   |                                                                                                    |   |   |   |
|         other comprehensive income  |   |                  - |   |              197 |   |
|       Portion recognized in earnings          |   |                  - |   |              (98) |   |
|     Miscellaneous                                       |   |              289                       |   |              240 |   |
|                                                                        |   |                                                                                                    |   |   |   |
|         Total Non-Interest Income   |   |              631                       |   |              520 |   |
|                                                                        |   |                                                                                                    |   |   |   |
| Non-Interest Expenses:                                                      |   |                                                                                                    |   |   |   |
|     Salaries and employee benefits                      |   |           6,953                                       |   |           6,682 |   |
|     Net occupancy expense of                            |   |                                                                                                    |   |   |   |
|       premises                                |   |           1,049                                       |   |           1,017 |   |
|     Equipment and systems                               |   |           1,177                                       |   |           1,072 |   |
|     Advertising and marketing                           |   |              246                       |   |              214 |   |
|     Federal deposit insurance                           |   |                                                                                                    |   |   |   |
|       premium                                 |   |              447                       |   |              157 |   |
|     Directors’ compensation                       |   |              558                       |   |              556 |   |
|     Merger-related expenses                             |   |                40            |   |                  - |   |
|     Miscellaneous                                       |   |           1,174                                       |   |           1,319 |   |
|                                                                        |   |                                                                                                    |   |   |   |
|         Total Non-Interest Expenses | $      |         11,644                                                  | $      |         11,017 |   |

----

|                                                                                |   | Three Months Ended                                                                |   |                                                                              |
|-------------------------------------------------------------------------------------|--------|-----------------------------------------------------------------------------------|--------|-----------------------------------------------------------------------------------|
|                                                                                |   |  September 30,                                                               |   |                                                                              |
|                                                                                |   | 2010                                                                              |   | 2009                                                                              |   |   |   |   |
|                                                                                |   |                                                                              |   |                                                                              |   |   |   |   |
| Income Before Income Taxes                                                          | $      |           2,281                 | $      |           1,898                 |   |   |   |   |
| Income Taxes                                                                        |   |              946 |   |              803 |   |   |   |   |
|                                                                                |   |                                                                              |   |                                                                              |   |   |   |   |
| Net Income                                                                          | $      |           1,335                 | $      |           1,095                 |   |   |   |   |
|                                                                                |   |                                                                              |   |                                                                              |   |   |   |   |
| Net Income per Common                                                               |   |                                                                              |   |                                                                              |   |   |   |   |
|   Share (EPS):                                                            |   |                                                                              |   |                                                                              |   |   |   |   |
|     Basic                                                       | $      | 0.02                                                                              | $      | 0.02                                                                              |   |   |   |   |
|     Diluted                                                     |   | 0.02                                                                              |   | 0.02                                                                              |   |   |   |   |
|                                                                                |   |                                                                              |   |                                                                              |   |   |   |   |
| Weighted Average Number of                                                          |   |                                                                              |   |                                                                              |   |   |   |   |
|   Common Shares Outstanding:                                              |   |                                                                              |   |                                                                              |   |   |   |   |
|     Basic                                                       |   | 67,219                                                                            |   | 68,074                                                                            |   |   |   |   |
|     Diluted                                                     |   | 67,219                                                                            |   | 68,074                                                                            |   |   |   |   |
|                                                                                |   |                                                                              |   |                                                                              |   |   |   |   |
| Dividends Declared Per Common                                                       |   |                                                                              |   |                                                                              |   |   |   |   |
|    Share (Excluding dividends   waived by Kearny MHC) | $      | 0.05                                                                              | $      | 0.05                                                                              |   |   |   |   |

----

| KEARNY FINANCIAL CORP. AND SUBSIDIARIES                      |   |
|--------------------------------------------------------------|--------|
| CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY   |   |
| Three Months Ended September 30, 2009                        |   |
| (In Thousands, Except Per Share Data, Unaudited)             |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | Accumulated |   |   |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   | Unearned |   |   |   | Other |   |   |   |
|                                                         |   |   |   | Common Stock |   | Paid-In |   | Retained |   | ESOP |   | Treasury |   | Comprehensive |   |   |   |
|                                                         |   |   |   | Shares |   | Amount |   | Capital |   | Earnings |   | Shares |   | Stock |   | Income |   | Total |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance - June 30, 2009                                      |   |   | 69,242 | $ | 7,274 | $ | 208,577 | $ | 309,687 | $ | (11,153 | )  $ | (45,985 | )  $ | 8,320 | $ | 476,720 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive income:                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Net income                                       |   |   |   | - |   | - |   | - |   | 1,095 |   | - |   | - |   | - |   | 1,095 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Unrealized gain on securities available          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     for sale, net of deferred income tax |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     expense of $3,020                    |   |   | - |   | - |   | - |   | - |   | - |   | - |   | 4,372 |   | 4,372 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-credit related other-than-                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     temporary impairment losses on       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     securities held to maturity, net of  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     deferred income tax benefit of $78   |   |   |   |   |   |   |   |   |   |   |   |   |   | (115 | ) | (115 | ) |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Benefit plans, net of deferred income            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     tax benefit of $7                    |   |   | - |   | - |   | - |   | - |   | - |   | - |   | (10 | ) | (10 | ) |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Total Comprehensive income                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 5,342 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| ESOP shares committed to be released                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   (36 shares)                                      |   |   |   | - |   | - |   | 38 |   | - |   | 364 |   | - |   | - |   | 402 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Dividends contributed for payment of                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     ESOP loan                            |   |   |   | - |   | - |   | 25 |   | - |   | - |   | - |   | - |   | 25 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stock option expense                                         |   |   | - |   | - |   | 476 |   | - |   | - |   | - |   | - |   | 476 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Treasury stock purchases                                     |   |   | (87 | ) | - |   | - |   | - |   | - |   | (968 | ) | - |   | (968 | ) |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Restricted stock plan shares earned                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   (63 shares)                                      |   |   |   | - |   | - |   | 771 |   | - |   | - |   | - |   | - |   | 771 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tax effect from stock based                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   compensation                                     |   |   | - |   | - |   | 41 |   | - |   | - |   | - |   | - |   | 41 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Cash dividends declared ($0.05/public share)                 | -      |   | - |   | - |   | (852 | ) | - |   | - |   | - |   | (852 | ) |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance - September 30, 2009                                 |   | 69,155 | $ | 7,274 | $ | 209,928 | $ | 309,930 | $ | (10,789 | )  $ | (46,953 | )  $ | 12,567 | $ | 481,957 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

| KEARNY FINANCIAL CORP. AND SUBSIDIARIES                      |   |
|--------------------------------------------------------------|--------|
| CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY   |   |
| Three Months Ended September 30, 2010                        |   |
| (In Thousands, Except Per Share Data, Unaudited)             |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | Accumulated |   |   |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   | Unearned |   |   |   | Other |   |   |   |
|                                                         |   |   |   | Common Stock |   | Paid-In |   | Retained |   | ESOP |   | Treasury |   | Comprehensive |   |   |   |
|                                                         |   |   |   | Shares |   | Amount |   | Capital |   | Earnings |   | Shares |   | Stock |   | Income |   | Total |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance - June 30, 2010                                      |   |   | 68,344 | $ | 7,274 | $ | 213,529 | $ | 312,844 | $ | (9,698 | )  $ | (54,738 | )  $ | 16,715 | $ | 485,926 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive income:                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Net income                                       |   |   |   | - |   | - |   | - |   | 1,335 |   | - |   | - |   | - |   | 1,335 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Unrealized loss on securities available          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     for sale, net of deferred income tax |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     benefit of $531                      |   |   | - |   | - |   | - |   | - |   | - |   | - |   | (769 | ) | (769 | ) |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Benefit plans, net of deferred income            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     tax benefit of $10                   |   |   | - |   | - |   | - |   | - |   | - |   | - |   | (15 | ) | (15 | ) |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Total Comprehensive income                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 551 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| ESOP shares committed to be released                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   (36 shares)                                      |   |   |   | - |   | - |   | (37 | ) | - |   | 363 |   | - |   | - |   | 326 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Dividends contributed for payment of                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     ESOP loan                            |   |   |   | - |   | - |   | 32 |   | - |   | - |   | - |   | - |   | 32 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stock option expense                                         |   |   | - |   | - |   | 477 |   | - |   | - |   | - |   | - |   | 477 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Treasury stock purchases                                     |   |   | (369 | ) | - |   | - |   | - |   | - |   | (3,316 | ) | - |   | (3,316 | ) |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Restricted stock plan shares earned                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   (63 shares)                                      |   |   |   | - |   | - |   | 771 |   | - |   | - |   | - |   | - |   | 771 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tax effect from stock based                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   compensation                                     |   |   | - |   | - |   | 5 |   | - |   | - |   | - |   | - |   | 5 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Cash dividends declared ($0.05/ public share)                | -      |   | - |   | - |   | (800 | ) | - |   | - |   | - |   | (800 | ) |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance - September 30, 2010                                 |   | 67,975 | $ | 7,274 | $ | 214,777 | $ | 313,379 | $ | (9,335 | )  $ | (58,054 | )  $ | 15,931 | $ | 483,972 |   |
|                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                                                                                                              |   | Three  Months Ended                                                                                                   |   |
|-------------------------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                              |   | September 30,                                                                                                                   |   |
|                                                                                                              |   | 2010                                                                                                                            |   | 2009 |   |
|                                                                                                              |   |                                                                                                                            |   |   |   |
| Cash Flows from Operating Activities:                                                                             |   |                                                                                                                            |   |   |   |
|     Net income                                                                                | $      |               1,335                                       | $      |              1,095 |   |
|     Adjustments to reconcile net income to net cash provided by operating                     |   |                                                                                                                            |   |   |   |
|       activities:                                                                   |   |                                                                                                                            |   |   |   |
|         Depreciation and amortization of premises and equipment           |   |                  440                       |   |                 425 |   |
|         Net amortization of premiums, discounts and loan fees and costs   |   |                  468                       |   |                 162 |   |
|         Deferred income taxes                                             |   |                (756)                                 |   |                (507) |   |
|         Amortization of intangible assets                                 |   |                      - |   |                     7 |   |
|         Amortization of benefit plans’ unrecognized net loss        |   |                   17                  |   |                   36 |   |
|         Provision for loan losses                                         |   |              1,251                                             |   |                 858 |   |
|         Loss on write-down of real estate owned                           |   |                  14                        |   |                     - |   |
|         Loss on other-than-temporary impairment of securities             |   |                     -       |   |                   98 |   |
|         Increase in cash surrender value of bank owned life insurance     |   |               (163)                                       |   |                (140) |   |
|         ESOP, stock option plan and restricted stock plan expenses        |   |             1,574                                                   |   |              1,649 |   |
|         Decrease in interest receivable                                        |   |                  40                        |   |                 101 |   |
|         Decrease (increase) in other assets                                    |   |                213                                   |   |                (232) |   |
|        (Decrease) increase in interest payable                                 |   |                   (3)                 |   |                     4 |   |
|         Increase (decrease) in other liabilities                               |   |                208                                   |   |             (1,138) |   |
|                                                                                                              |   |                                                                                                                            |   |   |   |
|             Net Cash Provided by Operating Activities |   |             4,638                                                   |   |               2,418 |   |
|                                                                                                              |   |                                                                                                                            |   |   |   |
| Cash Flows from Investing Activities:                                                                             |   |                                                                                                                            |   |   |   |
|     Proceeds from repayments of securities available for sale                                 |   |                518                                   |   |                 126 |   |
|     Purchase of securities held to maturity                                                   |   |         (64,975)                                                                        |   |           (50,000) |   |
|     Proceeds from calls of securities held to maturity                                        |   |           90,000                                                              |   |                     - |   |
|     Purchase of loans                                                                         |   |           (1,437)                                                             |   |           (20,659) |   |
|     Net decrease in loans receivable                                                          |   |           16,461                                                                   |   |               5,747 |   |
|     Purchases of mortgage-backed securities available for sale                                |   |       (186,437)                                                                                   |   |         (105,098) |   |
|     Principal repayments on mortgage-backed securities available for sale                     |   |           43,732                                                              |   |            45,236 |   |
|     Principal repayments on mortgage-backed securities held to maturity                       |   |                  82                        |   |                 264 |   |
|     Additions to premises and equipment                                                       |   |              (305)                                             |   |                (740) |   |
|                                                                                                              |   |                                                                                                                            |   |   |   |
|             Net Cash Used in Investing Activities     | $      |       (102,361)                                                                                   | $      |         (125,124) |   |

----

|                                                                                                               |   | Three  Months Ended                                                                                             |
|--------------------------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------------------------------|
|                                                                                                               |   | September 30,                                                                                                             |
|                                                                                                               |   | 2010                                                                                                                      |   | 2009 |
|                                                                                                               |   |                                                                                                                      |   |   |
| Cash Flows from Financing Activities:                                                                              |   |                                                                                                                      |   |   |
|     Net increase in deposits                                                                   | $      |             39,842                                            | $ |            34,801 |
|     Decrease in advance payments by borrowers for taxes                                        |   |                (361)                           |   |               (258) |
|     Dividends paid to stockholders of Kearny Financial Corp.                                   |   |                (817)                           |   |               (855) |
|     Purchase of common stock of Kearny Financial Corp. for treasury                            |   |             (3,316)                                           |   |               (968) |
|     Dividends contributed for payment of ESOP loan                                             |   |                   32            |   |                   25 |
|     Tax benefit from stock based compensation                                                  |   |                     5 |   |                   41 |
|                                                                                                               |   |                                                                                                                      |   |   |
|             Net Cash Provided by Financing Activities  |   |            35,385                                                  |   |            32,786 |
|                                                                                                               |   |                                                                                                                      |   |   |
|             Net Decrease in Cash and Cash Equivalents  |   |          (62,338)                                                            |   |           (89,920) |
|                                                                                                               |   |                                                                                                                      |   |   |
| Cash and Cash Equivalents – Beginning                                                                        |   |          181,422                                                             |   |          211,525 |
|                                                                                                               |   |                                                                                                                      |   |   |
| Cash and Cash Equivalents – Ending                                                                           | $      |          119,084                                                             | $ |          121,605 |
|                                                                                                               |   |                                                                                                                      |   |   |
| Supplemental Disclosures of Cash Flows Information:                                                                |   |                                                                                                                      |   |   |
|     Cash paid during the year for:                                                             |   |                                                                                                                      |   |   |
|         Income taxes, net of refunds                                       | $      |             2,104                                             | $ |              1,506 |
|                                                                                                               |   |                                                                                                                      |   |   |
|         Interest                                                           | $      |             8,401                                             | $ |              9,899 |
|                                                                                                               |   |                                                                                                                      |   |   |
|     Non-cash investing activities:                                                             |   |                                                                                                                      |   |   |
|         Acquisition of  real estate owned in settlement of loans | $      |                449                             | $ |                543 |
|                                                                                                               |   |                                                                                                                      |   |   |

----

----

|                                              | Three Months Ended                    |          |      |
|---------------------------------------------------|---------------------------------------|---------------|-----------|
|                                              | September 30, 2010                    |          |      |
|                                              | Income                                | Shares        | Per Share |   |   |   |   |
|                                              | (Numerator)                           | (Denominator) | Amount    |   |   |   |   |
|                                              | (In Thousands, Except Per Share Data) |          |      |
|                                              |                                  |          |      |   |   |   |   |   |   |   |   |   |
| Net income                                        | $                                     | 1,335         |      |   |   |   |   |   |   |   |   |   |
| Basic earnings per share,                         |                                  |          |      |   |   |   |   |   |   |   |   |   |
|      income available to |                                  |          |      |   |   |   |   |   |   |   |   |   |
|      common stockholders | $                                     | 1,335         |      | 67,219 | $ | 0.02 |   |   |   |   |   |   |
| Effect of dilutive securities:                    |                                  |          |      |   |   |   |   |   |   |   |   |   |
|      Stock options       |                                  | -             |      | - |   |   |   |   |   |   |   |   |
|                                              |                                  |          |      |   |   |   |   |   |   |   |   |   |
|                                              | $                                     | 1,335         |      | 67,219 | $ | 0.02 |   |   |   |   |   |   |

|                                              | Three Months Ended                    |          |      |
|---------------------------------------------------|---------------------------------------|---------------|-----------|
|                                              | September 30, 2009                    |          |      |
|                                              | Income                                | Shares        | Per Share |   |   |   |   |
|                                              | (Numerator)                           | (Denominator) | Amount    |   |   |   |   |
|                                              | (In Thousands, Except Per Share Data) |          |      |
|                                              |                                  |          |      |   |   |   |   |   |   |   |   |   |
| Net income                                        | $                                     | 1,095         |      |   |   |   |   |   |   |   |   |   |
| Basic earnings per share,                         |                                  |          |      |   |   |   |   |   |   |   |   |   |
|      income available to |                                  |          |      |   |   |   |   |   |   |   |   |   |
|      common stockholders | $                                     | 1,095         |      | 68,074 | $ | 0.02 |   |   |   |   |   |   |
| Effect of dilutive securities:                    |                                  |          |      |   |   |   |   |   |   |   |   |   |
|      Stock options       |                                  | -             |      | - |   |   |   |   |   |   |   |   |
|                                              |                                  |          |      |   |   |   |   |   |   |   |   |   |
|                                              | $                                     | 1,095         |      | 68,074 | $ | 0.02 |   |   |   |   |   |   |

----

----

----

----

|                                                                                            | At September 30, 2010 |
|-------------------------------------------------------------------------------------------------|-----------------------|
|                                                                                            |                  | Amortized Cost |   | GrossUnrealized Gains |   | Gross UnrealizedLosses |   | Carrying Value |
|                                                                                            | (In Thousands)        |
| Securities:                                                                                     |                  |   |   |   |   |   |   |   |
|   Debt securities:                                                                    |                  |   |   |   |   |   |   |   |
|     Trust preferred securities                                              | $                     | 8,857 | $ | - | $ | 2,125 | $ | 6,732 |
|     U.S. agency securities                                                  |                  | 3,460 |   | 1 |   | 12 |   | 3,449 |
|     Obligations of state and political                                      |                  |   |   |   |   |   |   |   |
|       subdivisions                                                |                  | 18,124 |   | 1,077 |   | - |   | 19,201 |
|                                                                                            |                  |   |   |   |   |   |   |   |
|           Total securities                    |                  | 30,441 |   | 1,078 |   | 2,137 |   | 29,382 |
|                                                                                            |                  |   |   |   |   |   |   |   |
| Mortgage-backed securities:                                                                     |                  |   |   |   |   |   |   |   |
|   Mortgage pass-through securities:                                                   |                  |   |   |   |   |   |   |   |
|     Government National Mortgage                                            |                  |   |   |   |   |   |   |   |
|       Association                                                 |                  | 14,097 |   | 948 |   | 29 |   | 15,016 |
|     Federal Home Loan Mortgage                                              |                  |   |   |   |   |   |   |   |
|       Corporation                                                 |                  | 308,969 |   | 10,044 |   | 69 |   | 318,944 |
|     Federal National Mortgage Association                                   |                  | 492,640 |   | 17,556 |   | 114 |   | 510,082 |
|                                                                                            |                  |   |   |   |   |   |   |   |
|           Total mortgage-backed securities    |                  | 815,706 |   | 28,548 |   | 212 |   | 844,042 |
|                                                                                            |                  |   |   |   |   |   |   |   |
|           Total securities available for sale | $                     | 846,147 | $ | 29,626 | $ | 2,349 | $ | 873,424 |

|                                                              | At September 30, 2010 |           |   |           |   |
|-------------------------------------------------------------------|-----------------------|----------------|--------|----------------|--------|
|                                                              |                  | Amortized Cost |   | Carrying Value |   |   |   |   |
|                                                              | (In Thousands)        |           |   |           |   |
| Debt securities:                                                  |                  |           |   |           |   |   |   |   |
|     Due in one year or less                   | $                     | -              | $      | -              |   |   |   |   |
|     Due after one year through five years     |                  | 6,306          |   | 6,653          |   |   |   |   |
|     Due after five years through ten years    |                  | 12,135         |   | 12,867         |   |   |   |   |
|     Due after ten years                       |                  | 12,000         |   | 9,862          |   |   |   |   |
|                                                              |                  |           |   |           |   |   |   |   |
|           Total | $                     | 30,441         | $      | 29,382         |   |   |   |   |

----

|                                                                                            | At June 30, 2010 |
|-------------------------------------------------------------------------------------------------|------------------|
|                                                                                            |             | Amortized Cost |   | Gross Unrealized Gains |   | Gross Unrealized Losses |   | Carrying Value |
|                                                                                            | (In Thousands)   |
| Securities:                                                                                     |             |   |   |   |   |   |   |   |
|   Debt securities:                                                                    |             |   |   |   |   |   |   |   |
|     Trust preferred securities                                              | $                | 8,855 | $ | - | $ | 2,255 | $ | 6,600 |
|     U.S. agency securities                                                  |             | 3,980 |   | 1 |   | 39 |   | 3,942 |
|     Obligations of state and political                                      |             |   |   |   |   |   |   |   |
|       subdivisions                                                |             | 18,125 |   | 830 |   | - |   | 18,955 |
|                                                                                            |             |   |   |   |   |   |   |   |
|           Total securities                    |             | 30,960 |   | 831 |   | 2,294 |   | 29,497 |
|                                                                                            |             |   |   |   |   |   |   |   |
| Mortgage-backed securities:                                                                     |             |   |   |   |   |   |   |   |
|   Mortgage pass-through  securities:                                        |             |   |   |   |   |   |   |   |
|     Government National Mortgage                                            |             |   |   |   |   |   |   |   |
|       Association                                                 |             | 14,660 |   | 999 |   | 31 |   | 15,628 |
|     Federal Home Loan Mortgage                                              |             |   |   |   |   |   |   |   |
|       Corporation                                                 |             | 263,481 |   | 10,267 |   | 44 |   | 273,704 |
|     Federal National Mortgage Association                                   |             | 395,273 |   | 18,884 |   | 34 |   | 414,123 |
|                                                                                            |             |   |   |   |   |   |   |   |
|           Total mortgage-backed securities    |             | 673,414 |   | 30,150 |   | 109 |   | 703,455 |
|                                                                                            |             |   |   |   |   |   |   |   |
|           Total securities available for sale | $                | 704,374 | $ | 30,981 | $ | 2,403 | $ | 732,952 |

----

|                                                                                               | At September 30, 2010 |
|----------------------------------------------------------------------------------------------------|-----------------------|
|                                                                                               |                  | Carrying Value |   | Gross Unrealized Gains |   | Gross Unrealized Losses |   | Fair Value |
|                                                                                               | (In Thousands)        |
| Securities:                                                                                        |                  |   |   |   |   |   |   |   |
|   Debt securities:                                                                       |                  |   |   |   |   |   |   |   |
|     U.S. agency securities                                                     | $                     | 229,976 | $ | 2,087 | $ | - | $ | 232,063 |
|                                                                                               |                  |   |   |   |   |   |   |   |
|           Total securities                       |                  | 229,976 |   | 2,087 |   | - |   | 232,063 |
|                                                                                               |                  |   |   |   |   |   |   |   |
| Mortgage-backed securities:                                                                        |                  |   |   |   |   |   |   |   |
|                                                                                               |                  |   |   |   |   |   |   |   |
|   Collateralized mortgage obligations:                                                   |                  |   |   |   |   |   |   |   |
|     Federal Home Loan Mortgage                                                 |                  |   |   |   |   |   |   |   |
|       Corporation                                                    |                  | 91 |   | 12 |   | - |   | 103 |
|     Federal National Mortgage Association                                      |                  | 732 |   | 89 |   | - |   | 821 |
|     Non-agency securities                                                      |                  | 299 |   | 3 |   | 39 |   | 263 |
|                                                                                               |                  |   |   |   |   |   |   |   |
|           Total collateralized mortgage          |                  |   |   |   |   |   |   |   |
|             obligations                |                  | 1,122 |   | 104 |   | 39 |   | 1,187 |
|                                                                                               |                  |   |   |   |   |   |   |   |
|   Mortgage pass-through securities:                                                      |                  |   |   |   |   |   |   |   |
|     Federal Home Loan Mortgage                                                 |                  |   |   |   |   |   |   |   |
|       Corporation                                                    |                  | 163 |   | 5 |   | - |   | 168 |
|     Federal National Mortgage Association                                      |                  | 340 |   | 7 |   | 1 |   | 346 |
|                                                                                               |                  |   |   |   |   |   |   |   |
|           Total mortgage pass-through securities |                  |  503 |   |  12 |   |  1 |   |  514 |
|                                                                                               |                  |   |   |   |   |   |   |   |
|           Total mortgage-backed                  |                  |   |   |   |   |   |   |   |
|             securities                 |                  | 1,625 |   | 116 |   | 40 |   | 1,701 |
|                                                                                               |                  |   |   |   |   |   |   |   |
|           Total securities held to maturity      | $                     | 231,601 | $ | 2,203 | $ | 40 | $ | 233,764 |

|                                                              | At September 30, 2010 |           |   |       |   |
|-------------------------------------------------------------------|-----------------------|----------------|--------|------------|--------|
|                                                              |                  | Carrying Value |   | Fair Value |   |   |   |   |
|                                                              | (In Thousands)        |           |   |       |   |
| Debt securities:                                                  |                  |           |   |       |   |   |   |   |
|     Due in one year or less                   | $                     | -              | $      | -          |   |   |   |   |
|     Due after one year through five years     |                  | 160,000        |   | 161,678    |   |   |   |   |
|     Due after five years through ten years    |                  | 20,000         |   | 20,102     |   |   |   |   |
|     Due after ten years                       |                  | 49,976         |   | 50,283     |   |   |   |   |
|                                                              |                  |           |   |       |   |   |   |   |
|           Total | $                     | 229,976        | $      | 232,063    |   |   |   |   |

----

|                                                                                               | At June 30, 2010 |
|----------------------------------------------------------------------------------------------------|------------------|
|                                                                                               |             | Carrying Value |   | Gross Unrealized Gains |   | Gross Unrealized Losses |   | Fair Value |
|                                                                                               | (In Thousands)   |
| Securities:                                                                                        |             |   |   |   |   |   |   |   |
|   Debt securities:                                                                       |             |   |   |   |   |   |   |   |
|     U.S. agency securities                                                     | $                | 255,000 | $ | 1,914 | $ | - | $ | 256,914 |
|                                                                                               |             |   |   |   |   |   |   |   |
|           Total securities                       |             | 255,000 |   | 1,914 |   | - |   | 256,914 |
|                                                                                               |             |   |   |   |   |   |   |   |
| Mortgage-backed securities:                                                                        |             |   |   |   |   |   |   |   |
|                                                                                               |             |   |   |   |   |   |   |   |
|   Collateralized mortgage obligations:                                                   |             |   |   |   |   |   |   |   |
|     Federal Home Loan Mortgage                                                 |             |   |   |   |   |   |   |   |
|       Corporation                                                    |             | 99 |   | 12 |   | - |   | 111 |
|     Federal National Mortgage Association                                      |             | 767 |   | 71 |   | 1 |   | 837 |
|     Non-agency securities                                                      |             | 310 |   | 2 |   | 43 |   | 269 |
|                                                                                               |             |   |   |   |   |   |   |   |
|           Total collateralized mortgage          |             |   |   |   |   |   |   |   |
|             obligations                |             | 1,176 |   | 85 |   | 44 |   | 1,217 |
|                                                                                               |             |   |   |   |   |   |   |   |
|   Mortgage pass-through securities:                                                      |             |   |   |   |   |   |   |   |
|     Federal Home Loan Mortgage                                                 |             |   |   |   |   |   |   |   |
|       Corporation                                                    |             | 168 |   | 5 |   | - |   | 173 |
|     Federal National Mortgage Association                                      |             | 356 |   | 9 |   | 1 |   | 364 |
|                                                                                               |             |   |   |   |   |   |   |   |
|           Total mortgage pass-through securities |             |  524 |   |  14 |   |  1 |   |  537 |
|                                                                                               |             |   |   |   |   |   |   |   |
|           Total mortgage-backed                  |             |   |   |   |   |   |   |   |
|             securities                 |             | 1,700 |   | 99 |   | 45 |   | 1,754 |
|                                                                                               |             |   |   |   |   |   |   |   |
|           Total securities held to maturity      | $                | 256,700 | $ | 2,013 | $ | 45 | $ | 258,668 |

----

|                                                              | Less than 12 Months |         | 12 Months or More |              | Total  |
|-------------------------------------------------------------------|---------------------|--------------|-------------------|-------------------|--------|
|                                                              |                | Fair Value   |              | Unrealized Losses |   |   | Fair Value |   | Unrealized Losses |   |   | Fair Value |   | Unrealized Losses |
|                                                              | (In Thousands)      |
| Securities Available for Sale:                                    |                |         |              |              |   |   |   |   |   |   |   |   |   |   |
|  At September 30, 2010:                                      |                |         |              |              |   |   |   |   |   |   |   |   |   |   |
|   Trust preferred securities                            | $                   | -            | $                 | -                 |   | $ | 5,731 | $ | 2,125 |   | $ | 5,731 | $ | 2,125 |
|   U.S. agency securities                                |                | -            |              | -                 |   |   | 3,130 |   | 12 |   |   | 3,130 |   | 12 |
|   Mortgage pass-through securities                      |                |  95,239 |              |  115         |   |   |  815 |   |  97 |   |   |  96,054 |   |  212 |
|                                                              |                |         |              |              |   |   |   |   |   |   |   |   |   |   |
|           Total | $                   | 95,239       | $                 | 115               |   | $ | 9,676 | $ | 2,234 |   | $ | 104,915 | $ | 2,349 |

| At June 30, 2010:                                                 |   |      |   |    |   |   |      |   |      |   |   |        |   |      |
|-------------------------------------------------------------------|--------|-----------|--------|---------|--------|--------|-----------|--------|-----------|--------|--------|-------------|--------|-----------|
|   Trust preferred securities                            | $      | -         | $      | -       |   | $      | 5,600     | $      | 2,255     |   | $      | 5,600       | $      | 2,255     |
|   U.S. agency securities                                |   | -         |   | -       |   |   | 3,667     |   | 39        |   |   | 3,667       |   | 39        |
|   Mortgage pass-through securities                      |   |  559 |   |  4 |   |   |  906 |   |  105 |   |   |  1,465 |   |  109 |
|                                                              |   |      |   |    |   |   |      |   |      |   |   |        |   |      |
|           Total | $      | 559       | $      | 4       |   | $      | 10,173    | $      | 2,399     |   | $      | 10,732      | $      | 2,403     |

----

|                                                              | Less than 12 Months |       | 12 Months or More |              | Total  |
|-------------------------------------------------------------------|---------------------|------------|-------------------|-------------------|--------|
|                                                              |                | Fair Value |              | Unrealized Losses |   |   | Fair Value |   | Unrealized Losses |   |   | Fair Value |   | Unrealized Losses |
|                                                              | (In Thousands)      |
| Securities Held to Maturity:                                      |                |       |              |              |   |   |   |   |   |   |   |   |   |   |
|  At September 30, 2010:                                      |                |       |              |              |   |   |   |   |   |   |   |   |   |   |
|   Collateralized mortgage                               |                |       |              |              |   |   |   |   |   |   |   |   |   |   |
|     obligations                               | $                   | 10         | $                 | 2                 |   | $ | 198 | $ | 37 |   | $ | 208 | $ | 39 |
|   Mortgage pass-through securities                      |                |  63   |              |  1           |   |   |  - |   |  - |   |   |  63 |   |  1 |
|                                                              |                |       |              |              |   |   |   |   |   |   |   |   |   |   |
|           Total | $                   | 73         | $                 | 3                 |   | $ | 198 | $ | 37 |   | $ | 271 | $ | 40 |

| At June 30, 2010:                                                 |   |     |   |    |   |   |    |   |    |   |   |     |   |    |
|-------------------------------------------------------------------|--------|----------|--------|---------|--------|--------|---------|--------|---------|--------|--------|----------|--------|---------|
|   Collateralized mortgage                               |   |     |   |    |   |   |    |   |    |   |   |     |   |    |
|     obligations                               | $      | 76       | $      | 3       |   | $      | 218     | $      | 41      |   | $      | 294      | $      | 44      |
|   Mortgage pass-through securities                      |   |  66 |   |  1 |   |   |  - |   |  - |   |   |  66 |   |  1 |
|                                                              |   |     |   |    |   |   |    |   |    |   |   |     |   |    |
|           Total | $      | 142      | $      | 4       |   | $      | 218     | $      | 41      |   | $      | 360      | $      | 45      |

----

----

----

----

----

----

|                                                                                                               |           |                                                                         | Activity in credit-related other-than-temporary impairment (“OTTI”) recognized through earnings |                                               |   |
|--------------------------------------------------------------------------------------------------------------------|----------------|------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------|----------------------------------------------------|--------|
|                                                                                                               |           | Cumulative balance of credit-related OTTI recognized in earnings - beginning |                                                                                                        | Additions for newly identified credit-related OTTI |   | Additions to existing OTTI for further credit-related declines in fair value |   | Reductions in credit-related OTTI for security sale |   | Reductions in credit-related OTTI due to accretion of impairment into interest income |   | Cumulative balance of credit-related OTTI recognized in earnings - ending |
|                                                                                                               | (In Thousands) |
| Collateralized mortgage                                                                                            |           |                                                                         |                                                                                                        |                                               |   |   |   |   |   |   |   |   |
|   obligations:                                                                                           |           |                                                                         |                                                                                                        |                                               |   |   |   |   |   |   |   |   |
|     Non-agency securities: Three months ended   September 30, 2010         | $              | -                                                                            | $                                                                                                           | -                                                  | $      | - | $ | - | $ | - | $ | - |
|          Three months ended    September 30, 2009 | $              | 434                                                                          | $                                                                                                           | 7                                                  | $      | 90 | $ | - | $ | 13 | $ | 518 |

----

|                                       |   | Three Months              |   |                                                                 |   |   |
|--------------------------------------------|--------|---------------------------|--------|----------------------------------------------------------------------|--------|--------|
|                                       |   |  Ended September 30, |   |                                                                 |   |   |
|                                       |   | 2010                      |   | 2009                                                                 |   |   |   |   |
|                                       |   |  (In Thousands)      |   |                                                                 |   |   |
|                                       |   |                      |   |                                                                 |   |   |   |   |
| Service cost                               | $      | 40                        | $      |            38 |   |   |   |   |
| Interest cost                              |   | 83                        |   |            90 |   |   |   |   |
| Amortization of unrecognized past service  |   |                      |   |                                                                 |   |   |   |   |
|    liability                |   | 18                        |   |            17 |   |   |   |   |
| Amortization of unrecognized net actuarial |   |                      |   |                                                                 |   |   |   |   |
|    (gain) loss              |   | (1)                       |   |            18 |   |   |   |   |
|                                       |   |                      |   |                                                                 |   |   |   |   |
| Net periodic benefit expense               | $      | 140                       | $      |          163            |   |   |   |   |

|   | Level 1: | Quoted prices in active markets for identical assets or liabilities.                                                                                                                                                                                                                                                                                                                                                                                        |
|--------|----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   | Level 2: | Observable inputs other than Level 1 prices, such as quoted for similar assets or liabilities; quoted prices in markets that are not active; or inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.                                                                                                                                                                   |
|   |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   | Level 3: | Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities.  Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. |

----

|                                 | Fair Value Measurements Using                                  |   |                                          |
|--------------------------------------|----------------------------------------------------------------|--------|-----------------------------------------------|
|                                 | Quoted Prices in Active Markets for Identical Assets (Level 1) |   | Significant Other Observable Inputs (Level 2) |   | Significant Unobservable Inputs (Level 3) |   | Balance |
|                                 | (In Thousands)                                                 |
| At September 30, 2010:               |                                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |
|   Securities available for |                                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |
|                                 | sale                                                           |   | $                                             | - |   |   | $ | 28,382 |   |   | $ | 1,000 |   |   | $ | 29,382 |
|   Mortgage-backed          |                                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |
|                                 | securities available                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                 | for sale                                                       |   |                                          | - |   |   |   | 844,042 |   |   |   | - |   |   |   | 844,042 |
|                                 |                                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |
| At June 30, 2010:                    |                                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |
|   Securities available for |                                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |
|                                 | sale                                                           |   | $                                             | - |   |   | $ |  28,497 |   |   | $ |  1,000 |   |   | $ |  29,497 |
|   Mortgage-backed          |                                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |
|                                 | securities available                                           |   |                                          |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                 | for sale                                                       |   |                                          | - |   |   |   | 703,455 |   |   |   | - |   |   |   | 703,455 |

----

|                  | Fair Value Measurements Using                                  |   |                                              |
|-----------------------|----------------------------------------------------------------|--------|---------------------------------------------------|
|                  | Quoted Prices in Active Markets for Identical Assets (Level 1) |   | Significant Other Observable Inputs (Level 2)     |   | Significant Unobservable Inputs (Level 3) |   | Balance |
|                  | (In Thousands)                                                 |
| At September 30, 2010 |                                                           |   |                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans        |                                                           | $      |         - |   |   | $ |         - |   |   | $ | 9,969 |   |   | $ | 9,969 |
| Real estate owned     |                                                           |   |         - |   |   |   |         - |   |   |   | 581 |   |   |   | 581 |
|                  |                                                           |   |                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| At June 30, 2010      |                                                           |   |                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans        |                                                           | $      |         - |   |   | $ |         - |   |   | $ | 9,781 |   |   | $ | 9,781 |
| Real estate owned     |                                                           |   |         - |   |   |   |         - |   |   |   | 37 |   |   |   | 37 |

----

----

|                                                      | At September 30, 2010 |            | At June 30, 2010 |
|-----------------------------------------------------------|-----------------------|-----------------|------------------|
|                                                      |                  | Carrying Amount |             | Estimated Fair  Value |   |   | Carrying Amount |   | Estimated Fair Value |
|                                                      | (In Thousands)        |
| Financial assets:                                         |                  |            |             |   |   |   |   |   |   |
|   Cash and cash equivalents                     | $                     | 119,084         | $                | 119,084 |   | $ | 181,422 | $ | 181,422 |
|   Securities available for sale                 |                  | 29,382          |             | 29,382 |   |   | 29,497 |   | 29,497 |
|   Securities held to maturity                   |                  | 229,976         |             | 232,063 |   |   | 255,000 |   | 256,914 |
|   Loans receivable                              |                  | 988,367         |             | 1,007,882 |   |   | 1,005,152 |   | 1,022,873 |
|   Mortgage-backed securities available for sale |                  | 844,042         |             | 844,042 |   |   | 703,455 |   | 703,455 |
|   Mortgage-backed securities held to maturity   |                  | 1,625           |             | 1,701 |   |   | 1,700 |   | 1,754 |
|   Interest receivable                           |                  | 8,298           |             | 8,298 |   |   | 8,338 |   | 8,338 |
|                                                      |                  |            |             |   |   |   |   |   |   |
| Financial liabilities:                                    |                  |            |             |   |   |   |   |   |   |
|   Deposits (A)                                  |                  | 1,663,388       |             | 1,661,874 |   |   | 1,623,562 |   | 1,632,209 |
|   Advances from FHLB                            |                  | 210,000         |             | 244,977 |   |   | 210,000 |   | 245,491 |
|   Interest payable on FHLB advances             |                  | 1,067           |             | 1,067 |   |   | 1,054 |   | 1,054 |

----

----

----

----

----

----

----

----

----

----

----

----

----

|                                   |   | At September 30, 2010  |
|----------------------------------------|--------|------------------------|
|                                   |   |                   |   |   |   |   |   |   |   | To Be Well |
|                                   |   |                   |   |   |   |   |   |   |   | Capitalized Under |
|                                   |   |                   |   |   |   | For Capital |   | Prompt Corrective |
|                                   |   | Actual                 |   | Adequacy Purposes |   | Action Provisions |
|                                   |   | Amount                 |   | Ratio |   | Amount |   | Ratio |   | Amount |   | Ratio |
|                                   |   | (Dollars in Thousands) |
|                                   |   |                   |   |   |   |   |   |   |   |   |   |   |
| Total Capital                          |   |                   |   |   |   |   |   |   |   |   |   |   |
|   (to risk-weighted assets)  | $      | 370,931                |   | 38.08% | $ | 77,929 |   | 8.00% | $ | 97,411 |   | 10.00% |
|                                   |   |                   |   |   |   |   |   |   |   |   |   |   |
| Tier 1 Capital                         |   |                   |   |   |   |   |   |   |   |   |   |   |
|   (to risk-weighted assets)  | $      | 366,538                |   | 37.63% | $ | 38,964 |   | 4.00% | $ | 58,446 |   | 6.00% |
|                                   |   |                   |   |   |   |   |   |   |   |   |   |   |
| Core (Tier 1) Capital                  |   |                   |   |   |   |   |   |   |   |   |   |   |
|   (to adjusted total assets) | $      | 366,538                |   | 16.24% | $ | 90,300 |   | 4.00% | $ | 112,875 |   | 5.00% |
|                                   |   |                   |   |   |   |   |   |   |   |   |   |   |
| Tangible Capital                       |   |                   |   |   |   |   |   |   |   |   |   |   |
|   (to adjusted total assets) | $      | 366,538                |   | 16.24% | $ | 33,862 |   | 1.50% | $ | - |   | - |
|                                   |   |                   |   |   |   |   |   |   |   |   |   |   |

----

| ·   | the interest income recorded on our earning assets, such as loans, securities and other interest-earning assets; and, |
|--------------------|-----------------------------------------------------------------------------------------------------------------------|

| ·   | the interest expense recorded on our costing liabilities, such as interest-bearing deposits and borrowings. |
|--------------------|-------------------------------------------------------------------------------------------------------------|

----

----

----

----

|                                                                                                                                                               |   | At September 30, 2010 |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------|
|                                                                                                                                                               |   |                  |   |   |   | Net Portfolio Value |
|                                                                                                                                                               |   | Net Portfolio Value   |   | as % of Present Value of Assets |
|                                                                                                                                                               |   |                  |   |   |   |   |   | Net Portfolio |   | Basis Point |
| Changes in Rates (1)                                                                                                                                          |   | $ Amount              |   | $ Change |   | % Change |   | Value Ratio |   | Change |
|                                                                                                                                                               |   | (In Thousands)        |   |   |   |   |   |   |
| +300 bps                                                                                                                                                           |   | 175,676               |   | -113,760 |   | -29% |   | 13.08% |   | -367 bps |
| +200 bps                                                                                                                                                           |   | 329,185               |   | -60,251 |   | -15% |   | 15.04% |   | -172 bps |
| +100 bps                                                                                                                                                           |   | 370,864               |   | -18,572 |   | -5% |   | 16.36% |   | -39 bps |
|                            0 bps |   | 389,436               |   | - |   | - |   | 16.75% |   | - |

|                                                                                                                                                               |   | At June 30, 2010    |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------------|
|                                                                                                                                                               |   |                |   |   |   | Net Portfolio Value |
|                                                                                                                                                               |   | Net Portfolio Value |   | as % of Present Value of Assets |
|                                                                                                                                                               |   |                |   |   |   |   |   | Net Portfolio |   | Basis Point |
| Changes in Rates (1)                                                                                                                                          |   | $ Amount            |   | $ Change |   | % Change |   | Value Ratio |   | Change |
|                                                                                                                                                               |   | (In Thousands)      |   |   |   |   |   |   |
| +300 bps                                                                                                                                                           |   | 264,675             |   | -115,353 |   | -30% |   | 12.85% |   | -387 bps |
| +200 bps                                                                                                                                                           |   | 320,458             |   | -59,569 |   | -16% |   | 14.97% |   | -175 bps |
| +100 bps                                                                                                                                                           |   | 358,461             |   | -21,566 |   | -6% |   | 16.19% |   | -52 bps |
|                            0 bps |   | 380,028             |   | - |   | - |   | 16.71% |   |      - |
|  (1) The -100 bp, -200 bp and -300 bp scenarios are not shown due to the low prevailing interest rate environment.                                            |

----

----

----

| At September 30, 2010              |
|------------------------------------|
| Rate Change Type                   | Yield Curve Shift | Balance Sheet Composition & Allocation | Changes in Rates | Measurement Period | Net Interest Income |  Change in Net Interest Income |  Change in Net Interest Income |
|                               |   |   |   |   | (In Thousands) |   |
| Base case (No change)              | - | Static | 0 bps | One Year | $ | 58,015 | $ | - | - | % |
| Immediate and permanent            | Parallel | Static | +100 bps | One Year |   | 57,767 |   | -248 | -0.43 |   |
| Immediate and  permanent | Parallel | Static | +200 bps | One Year |   | 55,911 |   | -2,104 | -3.63 |   |
| Immediate and  permanent | Parallel | Static | +300 bps | One Year |   | 53,046 |   | -4,970 | -8.57 |   |

| At June 30, 2010                   |
|------------------------------------|
| Rate Change Type                   | Yield Curve Shift | Balance Sheet Composition & Allocation | Changes in Rates | Measurement Period | Net Interest Income |  Changein Net Interest Income |  Change in Net Interest Income |
|                               |   |   |   |   | (In Thousands) |   |
| Base case (No change)              | - | Static | 0 bps | One Year | $ | 59,683 | $ | - | - | % |
| Immediate and permanent            | Parallel | Static | +100 bps | One Year |   | 59,538 |   | -145 | -0.24 |   |
| Immediate and  permanent | Parallel | Static | +200 bps | One Year |   | 58,809 |   | -874 | -1.46 |   |
| Immediate and  permanent | Parallel | Static | +300 bps | One Year |   | 56,713 |   | -2,970 | -4.98 |   |

----

----

| ITEM 1.  | Legal Proceedings                                                                                                                                                                                                                                                                                                                |
|----------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|     |                                                                                                                                                                                                                                                                                                                             |
|     | At September 30, 2010, neither the Company nor the Bank were involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business, which involve amounts in the aggregate believed by management to be immaterial to the financial condition of the Company and the Bank. |
|     |                                                                                                                                                                                                                                                                                                                             |
| ITEM 1A. | Risk Factors                                                                                                                                                                                                                                                                                                                     |
|     |                                                                                                                                                                                                                                                                                                                             |
|     | Management of the Company does not believe there have been any material changes with regard to the Risk Factors previously disclosed under Item 1A. of the Company’s Form 10-K for the year ended June 30, 2010, previously filed with the Securities and Exchange Commission.                                             |
|     |                                                                                                                                                                                                                                                                                                                             |
| ITEM 2.  | Unregistered Sales of Equity Securities and Use of Proceeds                                                                                                                                                                                                                                                                      |
|     |                                                                                                                                                                                                                                                                                                                             |

|   |                                                                                                      |      |                                | Total Number of  | Maximum         |
|--------|-----------------------------------------------------------------------------------------------------------|-----------|-------------------------------------|------------------|-----------------|
|   |                                                                                                      |      |                                | Shares           | Number of       |
|   |                                                                                                      |      |                                | Purchased as     | Shares that     |
|   |                                                                                                      | Total     |                                | Part of Publicly | May Yet Be      |
|   |                                                                                                      | Number of | Average                             | Announced        | Purchased Under |
|   |                                                                                                      | Shares    | Price Paid per                      | Plans or         | the Plans or    |
|   | Period                                                                                                    | Purchased | Share                               | Programs         | Programs(1)     |
|   | July 1-31, 2010                                                                                           | 37,900    | $     9.31 | 37,900           | 489,506         |
|   | August 1-31, 2010                                                                                         | 305,600   | $     8.95 | 305,600          | 183,906         |
|   | September 1-30, 2010                                                                                      | 25,300    | $     8.98 | 25,300           | 158,606         |
|   | Total                                                                                                     | 368,800   | $     8.99 | 368,800          | 158,606         |
|   |                                                                                                      |      |                                |             |            |
|   | (1)  On May 26, 2010, the Company announced the authorization of a fifth repurchase program for |
|   | up to 889,506 shares or 5% of shares outstanding.                                                         |

|    |                            |
|---------|---------------------------------|
| ITEM 3. | Defaults Upon Senior Securities |
|    | Not applicable                  |
|    |                            |

----

| ITEM 4. | [Reserved]                                               |
|---------|----------------------------------------------------------|
|    |                                                     |
| ITEM 5. | Other Information                                        |
|    |                                                     |
|    | None.                                                    |
|    |                                                     |
| ITEM 6. | Exhibits                                                 |
|    |                                                     |
|    | The following Exhibits are filed as part of this report: |
|    |                                                     |
|    |                                                     |   2.1 | Agreement and Plan of Merger dated as of May 25, 2010, by and among Kearny Financial Corp., Kearny Federal Savings Bank, Central Jersey Bancorp and Central Jersey Bank  (7) |
|    |                                                     |   3.1 | Charter of Kearny Financial Corp. (1) |
|    |                                                     |   3.2 | By-laws of Kearny Financial Corp. (2) |
|    |                                                     |   4.0 | Specimen Common Stock Certificate of Kearny Financial Corp. (1) |
|    |                                                     | 10.1 | Employment Agreement between Kearny Federal Savings Bank and John N. Hopkins (2) |
|    |                                                     | 10.2 | Employment Agreement between Kearny Federal Savings Bank and Albert E. Gossweiler (2) |
|    |                                                     | 10.3 | Employment Agreement between Kearny Federal Savings Bank and Sharon Jones (2) |
|    |                                                     | 10.4 | Employment Agreement between Kearny Federal Savings Bank and William C. Ledgerwood (2) |
|    |                                                     | 10.5 | Employment Agreement between Kearny Federal Savings Bank and Erika K. Parisi (2) |
|    |                                                     | 10.6 | Employment Agreement between Kearny Federal Savings Bank and Patrick M. Joyce (2) |
|    |                                                     | 10.7 | Employment Agreement between Kearny Federal Savings Bank and Craig L. Montanaro (2) |
|    |                                                     | 10.8 | Employment Agreement between Kearny Financial Corp. and John N. Hopkins (3) |
|    |                                                     | 10.9 | Directors Consultation and Retirement Plan (1) |
|    |                                                     | 10.10 | Benefit Equalization Plan (1) |
|    |                                                     | 10.11 | Benefit Equalization Plan for Employee Stock Ownership  Plan (1) |
|    |                                                     | 10.12 | Kearny Financial Corp. 2005 Stock Compensation and Incentive Plan (4) |
|    |                                                     | 10.13 | Kearny Federal Savings Bank Director Life Insurance Agreement (5) |
|    |                                                     | 10.14 | Kearny Federal Savings Bank Executive Life Insurance Agreement (5) |
|    |                                                     | 10.15 | Kearny Financial Corp. Directors Incentive Compensation Plan (6) |
|    |                                                     | 11.0 | Statement regarding computation of earnings per share (Filed herewith). |
|    |                                                     | 31.0 | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 |
|    |                                                     | 32.0 | Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |

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|   |   | (1) | Incorporated by reference to the identically numbered exhibit to the Registrant’s Registration Statement on Form S-1 (File No. 333-118815).                               |
|--------|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |   | (2) | Incorporated by reference to the identically numbered exhibit to the Registrant’s Annual Report on Form 10-K filed for the year ended June 30, 2008 (File No. 000-51093). |
|   |   | (3) | Incorporated by reference to the exhibit to the Registrant’s Form 8-K filed June 19, 2008.                                                                                |
|   |   | (4) | Incorporated by reference to Exhibit 4.1 to the Registrant’s Registration Statement on Form S-8 (File No. 333-130204).                                                    |
|   |   | (5) | Incorporated by reference to the exhibits to the Registrant’s Form   8-K filed on August 18, 2005 (File No. 000-51093).                                    |
|   |   | (6) | Incorporated by reference to the exhibit to the Registrant’s Form 8-K filed on December 9, 2005 (File No. 000-51093).                                                     |
|   |   | (7) | Incorporated by reference to the identically numbered exhibit to the current report on Form 8-K filed May 26, 2010 (File No. 000-51093).                                        |

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|   |             |   | KEARNY FINANCIAL CORP. |
|--------|------------------|--------|------------------------|
|   |             |   |                   |   |
| Date:  | November 9, 2010 |   | By:                    | /s/ John N. Hopkins |
|   |             |   |                   | John N. Hopkins |
|   |             |   |                   | Chief Executive Officer |
|   |             |   |                   | (Duly authorized officer and principal executive officer) |
|   |             |   |                   |   |
| Date:  | November 9, 2010 |   | By:                    | /s/ William C. Ledgerwood |
|   |             |   |                   | William C. Ledgerwood |
|   |             |   |                   | Executive Vice President and |
|   |             |   |                   | Chief Financial Officer |
|   |             |   |                   | (Principal financial officer) |