Unity Bank
Total assets
$3.18B
▲ +9.0% YoY
Deposits
$2.46B
▲ +12.3% YoY
Loans
$2.65B
▲ +12.5% YoY
Offices
22
UNITY BCORP INC
ROA (annualized)
1.91%
peers 1.26%
ROE (annualized)
16.24%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Unity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.5% | +3.6 pts |
| Deposit growth (YoY) | +12.3% | +5.1% | +7.3 pts |
| Loan growth (YoY) | +12.5% | +5.9% | +6.6 pts |
| ROA | 1.91% | 1.26% | +0.6 pts |
| ROE | 16.2% | 12.2% | +4.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
Profile
- Established
- 1991
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- UNITY BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 64 Old Highway 22, Clinton, NJ, 08809
- County
- Hunterdon
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 22
- FDIC cert #
- 33503
- RSSD ID
- 1890525
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.18B | $2.46B | $2.65B | $372.2M | $29.1M | 1.91% | 4.42% | 1.08% |
| Q1 2026 | $3.02B | $2.38B | $2.57B | $358.1M | $14.2M | 1.90% | 4.43% | 1.07% |
| Q4 2025 | $2.96B | $2.32B | $2.51B | $345.3M | $53.1M | 1.88% | 4.43% | 1.06% |
| Q3 2025 | $2.87B | $2.27B | $2.44B | $334.8M | $38.8M | 1.85% | 4.37% | 0.73% |
| Q2 2025 | $2.92B | $2.19B | $2.36B | $316.3M | $24.7M | 1.78% | 4.32% | 0.64% |
| Q1 2025 | $2.76B | $2.18B | $2.32B | $308.1M | $11.7M | 1.73% | 4.34% | 0.69% |
| Q4 2024 | $2.65B | $2.10B | $2.23B | $297.9M | $41.0M | 1.58% | 4.07% | 0.60% |
| Q3 2024 | $2.63B | $2.05B | $2.19B | $286.7M | $29.7M | 1.53% | 3.98% | 0.60% |
Loan mix (Q2 2026): real estate $2.57B · commercial $111.5M · consumer $2.0M · securities $113.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.26% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 12.2% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.70% | 85th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.3% | 59.0% | 9th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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