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  <xs:element id="krny_EmployeeStockOwnershipPlanESOPOutstandingPrincipalAndInterest" abstract="false" name="EmployeeStockOwnershipPlanESOPOutstandingPrincipalAndInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_EmployeeStockOwnershipPlanESOPDebtAdditionalLoanAmount" abstract="false" name="EmployeeStockOwnershipPlanESOPDebtAdditionalLoanAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_EmployeeStockOwnershipPlanESOPOutstandingLoanPrincipal" abstract="false" name="EmployeeStockOwnershipPlanESOPOutstandingLoanPrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_EmployeeStockOwnershipPlanEsopLiability" abstract="false" name="EmployeeStockOwnershipPlanEsopLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_MultiemployerPlansPlanContributionPercent" abstract="false" name="MultiemployerPlansPlanContributionPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="krny_MultiemployerPlansPlanExpenses" abstract="false" name="MultiemployerPlansPlanExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_SupplementalExecutiveRetirementPlanSerpMember" abstract="true" name="SupplementalExecutiveRetirementPlanSerpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_TwoThousandTwentyOneEquityIncentivePlanMember" abstract="true" name="TwoThousandTwentyOneEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_TwoThousandSixteenEquityIncentivePlanMember" abstract="true" name="TwoThousandSixteenEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_PerformanceBasedRestrictedUnitsMember" abstract="true" name="PerformanceBasedRestrictedUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_ServiceBasedRestrictedUnitsMember" abstract="true" name="ServiceBasedRestrictedUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_PerformanceBasedRsuMember" abstract="true" name="PerformanceBasedRsuMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_ServiceBasedRsuMember" abstract="true" name="ServiceBasedRsuMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_ShareBasedCompensationArrangementByShareBasedPaymentAwardAuthorizedShareReductionPerShareIssued" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAuthorizedShareReductionPerShareIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="krny_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfTranches" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfTranches" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="krny_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsIntrinsicValueAbstract" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsIntrinsicValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_VestingContingentOnServiceConditionsMember" abstract="true" name="VestingContingentOnServiceConditionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_VestingContingentOnPerformanceAndServiceConditionsMember" abstract="true" name="VestingContingentOnPerformanceAndServiceConditionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_PercentageOfDividendsPayable" abstract="false" name="PercentageOfDividendsPayable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="krny_PaymentsOfDividendsByBank" abstract="false" name="PaymentsOfDividendsByBank" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_CapitalToRiskWeightedAssetsAbstract" abstract="true" name="CapitalToRiskWeightedAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_CapitalRiskBasedCapitalAbstract" abstract="true" name="CapitalRiskBasedCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_CapitalRiskBasedCapitalRatioAbstract" abstract="true" name="CapitalRiskBasedCapitalRatioAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_CapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" abstract="true" name="CapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_TangibleCapitalRequiredToBeWellCapitalizedToAdjustedNetAssets" abstract="false" name="TangibleCapitalRequiredToBeWellCapitalizedToAdjustedNetAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_CapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" abstract="true" name="CapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_PercentageOfTangibleCapitalRequiredToBeWellCapitalizedToAdjustedNetAssets" abstract="false" name="PercentageOfTangibleCapitalRequiredToBeWellCapitalizedToAdjustedNetAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="krny_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_IncomeTaxReconciliationFromSurrenderOfBankOwnedLifeInsurancePolicies" abstract="false" name="IncomeTaxReconciliationFromSurrenderOfBankOwnedLifeInsurancePolicies" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_EffectiveIncomeTaxRateReconciliationBeforeValuationAllowance" abstract="false" name="EffectiveIncomeTaxRateReconciliationBeforeValuationAllowance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_IncomeTaxReconciliationFromSurrenderOfBankOwnedLifeInsurancePoliciesPercent" abstract="false" name="IncomeTaxReconciliationFromSurrenderOfBankOwnedLifeInsurancePoliciesPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="krny_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurancePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurancePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="krny_TaxReconciliationNotRequired" abstract="false" name="TaxReconciliationNotRequired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_DeferredTaxAssetsUncollectedInterest" abstract="false" name="DeferredTaxAssetsUncollectedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_DeferredTaxLiabilitiesTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits" abstract="false" name="DeferredTaxLiabilitiesTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_NewYorkCityMember" abstract="true" name="NewYorkCityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_CommitmentsTable" abstract="true" name="CommitmentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="krny_CommitmentsLineItems" abstract="true" name="CommitmentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="krny_CommitmentsToOriginateLoans" abstract="false" name="CommitmentsToOriginateLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="krny_DepositsExcludingCertificatesOfDepositMember" abstract="true" name="DepositsExcludingCertificatesOfDepositMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_InterestPayableFairValueDisclosure" abstract="false" name="InterestPayableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="krny_DepositRelatedFeesAndChargesMember" abstract="true" name="DepositRelatedFeesAndChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_ProductsAndServicesLoanRelatedFeesAndChargesMember" abstract="true" name="ProductsAndServicesLoanRelatedFeesAndChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_ElectronicBankingFeesAndChargesInterchangeIncomeMember" abstract="true" name="ElectronicBankingFeesAndChargesInterchangeIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="krny_ProductsAndServicesMiscellaneousMember" abstract="true" name="ProductsAndServicesMiscellaneousMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
