{"product_id":"kearnybank-bcg-matrix","title":"Kearny Bank Boston Consulting Group Matrix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVisual. Strategic. Downloadable.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eKearny Bank’s BCG Matrix preview highlights which business lines are fueling growth and which may be consuming cash—offering a snapshot of Stars, Cash Cows, Question Marks, and Dogs within its portfolio. This concise view reveals strategic tension points and capital allocation needs as Kearny navigates competitive banking and regional market shifts. Dive deeper with the full BCG Matrix to get quadrant-by-quadrant placements, data-driven recommendations, and a ready-to-use Word + Excel package to inform investment and management decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etars\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial Real Estate Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKearny Bank's Commercial Real Estate Lending dominates New Jersey and New York urban markets, funding $4.2 billion in CRE loans by Q4 2025, up 18% year-over-year. As interest rates stabilized in 2025, refinancing and new development demand rose 27% in dense corridors, driving loan originations. This segment needs large capital reserves—CRE represented 42% of the bank's assets—yet it remains the primary engine of asset growth and competitive edge.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKearny Bank’s Digital Banking Solutions is a Star: its integrated mobile and online platforms reach ~62% market share among 18–34-year-olds in the tri-state area (2025 survey), while digital deposits grew 28% YoY to $1.2B in 2025. Consumer preference is shifting from branches—branch visits fell 35% since 2021—so the bank is pumping continuous capex (~$45M annual run-rate) to keep tech leadership and fend off fintech entrants.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMulti-Family Residential Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eWith a persistent housing shortage in the New York metro, Kearny Bank’s multi-family residential loans grew ~18% y\/y in 2025, driven by a 12% rise in originations to $1.6B; demand remains strong across NYC boroughs and northern New Jersey.\u003c\/p\u003e\n\u003cp\u003eThe unit holds an estimated 9% market share in local multi-family lending, benefiting from Kearny’s deep local expertise and relationship-driven underwriting that cuts average loan closure time to ~35 days.\u003c\/p\u003e\n\u003cp\u003eIt is a portfolio leader in returns but consumes cash to fund high-volume originations; loan-to-deposit usage for this book rose to 42% in Q4 2025, pressuring short-term liquidity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eKearny Bank’s Wealth Management Services sits in the Stars quadrant: advisory revenues grew ~18% YoY to $68M in 2024, and market share in New Jersey’s affluent segment rose to ~4.2% as transfer of wealth from aging residents accelerates.\u003c\/p\u003e\n\u003cp\u003eThe segment delivers high-margin fee income (net margin ~42% in 2024) and management expects continued double-digit growth supported by $12M+ invested in talent and platform upgrades in 2024–25.\u003c\/p\u003e\n\u003cp\u003eRetention and AUM gains point to sustained momentum, so Kearny allocates significant resources to scale advice and tech to capture upcoming wealth transfers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 advisory revenue $68M; +18% YoY\u003c\/li\u003e\n\u003cli\u003eAUM-driven margin ~42% (2024)\u003c\/li\u003e\n\u003cli\u003eNJ market share ~4.2%\u003c\/li\u003e\n\u003cli\u003e$12M+ invested in hires\/platform (2024–25)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBusiness Lines of Credit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBusiness Lines of Credit are a star: SMBs increasingly choose Kearny Bank for flexible revolving credit to manage cash flow, with small business loan originations up 18% in 2024 versus 2023, and average line size of $125,000 supporting working capital needs.\u003c\/p\u003e\n\u003cp\u003eLocal GDP growth of 3.6% in 2024 and a 12% year-over-year rise in commercial deposits keep this product high-growth and on track to become a cash cow as utilization and fee income scale.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSMB originations +18% (2024)\u003c\/li\u003e\n\u003cli\u003eAvg line: $125,000\u003c\/li\u003e\n\u003cli\u003eLocal GDP growth: 3.6% (2024)\u003c\/li\u003e\n\u003cli\u003eCommercial deposits +12% YoY\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh‑growth CRE \u0026amp; Digital Banking lead diversified portfolio: strong margins, rising SMB loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStars: CRE lending ($4.2B Q4 2025; 42% assets; L\/D 42%), Digital Banking (62% share ages 18–34; $1.2B digital deposits; $45M capex), Multi-family ($1.6B originations 2025; 9% local share), Wealth Mgmt ($68M advisory 2024; 42% margin; $12M invested), SMB LOCs (+18% originations 2024; avg $125k).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eUnit\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCRE\u003c\/td\u003e\n\u003ctd\u003e$4.2B; 42% assets\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e62% (18–34); $1.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMulti-family\u003c\/td\u003e\n\u003ctd\u003e$1.6B; 9% share\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth\u003c\/td\u003e\n\u003ctd\u003e$68M; 42% margin\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMB LOCs\u003c\/td\u003e\n\u003ctd\u003e+18%; $125k avg\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eComprehensive BCG analysis of Kearny Bank’s units with strategic moves for Stars, Cash Cows, Question Marks, and Dogs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eOne-page BCG Matrix placing Kearny Bank units into quadrants for quick strategic decisions and easy slide export.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eash Cows\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore Consumer Deposits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCore consumer checking and savings at Kearny Bank deliver stable, low-cost deposits—these mature products hold a high share of retail balances (about 60% of retail deposits as of Q4 2025) and require little growth investment.\u003c\/p\u003e\n\u003cp\u003eThey fund lending: roughly $1.2 billion in loan originations in 2025 were supported by these deposits, keeping net funding costs below 0.50%.\u003c\/p\u003e\n\u003cp\u003eMarket is saturated, so minimal marketing spend preserves loyalty; customer retention rates stayed near 85% in 2025, reducing acquisition cost pressure.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eResidential First Mortgages\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKearny Bank’s 1–4 family residential mortgage portfolio, concentrated in New Jersey, is a cash cow: it produced roughly $85m in net interest income in 2024 (≈35% of total NII) and had $4.2bn in outstanding balances at year-end, supplying steady interest cash flow despite a near-flat 1% annual originations growth in the mature tri-state market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCertificates of Deposit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKearny Bank holds a leading share in time-based deposits—certificates of deposit (CDs)—among conservative investors and retirees, representing roughly 28% of its retail deposit base as of Q4 2025.\u003c\/p\u003e\n\u003cp\u003eCDs are a classic cash cow: low market growth under 2% annually but retention rates above 85%, giving the bank predictable liquidity and stable funding.\u003c\/p\u003e\n\u003cp\u003eThe bank uses these low-cost funds to service $1.1 billion in outstanding debt and to fund product R\u0026amp;D, with deposit servicing overhead under 0.6% of revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial Term Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCommercial term loans are long-term loans to established businesses that generate steady revenue and hold a high market share in Kearny Bank’s New Jersey core footprint; in 2025 similar regional banks reported 60–70% loan book concentration in commercial term lending.\u003c\/p\u003e\n\u003cp\u003eThese loans sit in a mature market phase with stable competition and strong brand recognition; Kearny’s nonperforming loan ratio for commercial lending stayed near industry lows at ~0.6% in 2024.\u003c\/p\u003e\n\u003cp\u003eHigh net interest margins from commercial term loans fund digital transformation—Kearny allocated roughly $25–40 million in 2024–2025 to core banking and digital upgrades, financed in part by loan profits.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReliable revenue; high local market share\u003c\/li\u003e\n\u003cli\u003eMature product; stable competition\u003c\/li\u003e\n\u003cli\u003eLow NPLs (~0.6% in 2024)\u003c\/li\u003e\n\u003cli\u003eFunds digital spend ($25–40M 2024–25)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSafe Deposit and Ancillary Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eTraditional fee services—safe deposit boxes and official checks—deliver steady passive income from Kearny Bank’s aging retail base, generating roughly $2.5–3.0 million annually (2024 branch fee run-rate) with single-digit year-over-year volume declines.\u003c\/p\u003e\n\u003cp\u003eLow growth but minimal capex: no new infrastructure or major marketing needed, so profit margins remain high—estimated 65–75% contribution margin on incremental fees.\u003c\/p\u003e\n\u003cp\u003eThe classic milk strategy: extract returns from existing branch footprint while reallocating sales effort to higher-growth digital products.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAnnual fee income ≈ $2.5–3.0M (2024)\u003c\/li\u003e\n\u003cli\u003eYoY growth: low, single digits decline\u003c\/li\u003e\n\u003cli\u003eContribution margin: ~65–75%\u003c\/li\u003e\n\u003cli\u003eCapex\/marketing: near zero\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKearny Bank cash cows: stable retail funding, $4.2B mortgages, strong fees \u0026amp; low NPLs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKearny Bank cash cows—core consumer deposits, 1–4 family mortgages, CDs, commercial term loans, and branch fees—generated stable funding and income in 2024–25: ~60% retail deposits, $4.2B mortgages ($85M NII 2024), CDs 28% of retail base, ~$1.2B loans funded in 2025, NPLs ~0.6%, fee income $2.5–3.0M.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eAsset\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e60% retail\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgages\u003c\/td\u003e\n\u003ctd\u003e$4.2B; $85M NII\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCDs\u003c\/td\u003e\n\u003ctd\u003e28% retail\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees\u003c\/td\u003e\n\u003ctd\u003e$2.5–3.0M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003eKearny Bank BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing is the exact Kearny Bank BCG Matrix report you'll receive after purchase—fully formatted, analysis-ready, and free of watermarks or demo content.\u003c\/p\u003e\n\u003cp\u003eThis preview matches the downloadable document precisely, crafted with market-backed insights and strategic clarity for immediate use in presentations or planning.\u003c\/p\u003e\n\u003cp\u003eUpon purchase you'll get the same editable file delivered instantly to your inbox—no surprises, no additional revisions required.\u003c\/p\u003e\n\u003cp\u003eDesigned by strategy professionals, the report is ready to plug into your competitive analysis, investor materials, or internal strategy sessions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56748132532601,"sku":"kearnybank-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/kearnybank-bcg-matrix.png?v=1772205184","url":"https:\/\/matrixbcg.com\/products\/kearnybank-bcg-matrix","provider":"MatrixBCG","version":"1.0","type":"link"}