Unity Bank
Unity Bank reported total assets of $3.2 bn at Q2 2026, up 9.0% on a year earlier, the 399th largest of 497 banks in our US coverage. The CET1 capital ratio at Unity Bank was 14.27%, and the uninsured share of Unity Bank was 42.06%. Source: FDIC Call Reports.
Key takeaways
- Unity Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.01% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- On total deposits, Unity Bank climbed from 475th to 429th among 499 US banks between and (1 = highest; FDIC Call Reports).
- At 107.49%, the loan-to-deposit ratio of Unity Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 88.61% (FDIC Call Reports).
What sets Unity Bank apart
How large is Unity Bank?
The balance sheet of Unity Bank at : assets $3.2 bn, deposits $2.5 bn, net loans $2.6 bn (loans equal to 107.49% of deposits). Securities make up 3.6% of total assets at Unity Bank. Since , when Unity Bank held $1.1 bn, its assets grew 184.6%. In the year to , deposits at Unity Bank rose 12.3% while its total assets rose 9.0%. At , Unity Bank employed 249 full-time equivalent staff across 22 offices, about $12.8 mn of assets per employee and $112.0 mn of deposits per office.
How much funding at Unity Bank is uninsured?
At Unity Bank, uninsured deposits (above the FDIC limit) made up 42.06% of domestic deposits at (+2.65 pp on a year earlier); Unity Bank ranks 166th of 500 on this measure. In dollars, Unity Bank estimated $1.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +12.3% | 429th of 499 |
| Net loans and leases | $2.6 bn | +12.5% | 349th of 500 |
| Loan-to-deposit ratio | 107.49% | +0.16 pp | 25th of 500 |
| Tier 1 leverage ratio | 12.88% | +0.85 pp | 57th of 500 |
| Total risk-based capital ratio | 15.52% | +0.41 pp | 137th of 448 |
| Net interest margin | 4.42% | +0.10 pp | 72nd of 500 |
| Return on assets (ROA) | 1.91% | +0.13 pp | 63rd of 500 |
| Efficiency ratio | 41.25% | -1.41 pp | 64th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $6.3 mn | Narrowed by $444,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $1.6 mn | Narrowed by $2.2 mn | |
| Noncurrent loans to total loans | 1.23% | +0.45 pp | 397th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.01% | -0.08 pp | 23rd of 500 (1 = lowest) |
US rank of Unity Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Unity Bank: assets, deposits and loans
- Total assets $3.2bn
- Deposits $2.5bn
- Net loans $2.6bn
Capital and securities
The CET1 ratio of Unity Bank stood at 14.27% in , +0.42 pp year on year. Low and high at Unity Bank since : 9.70% () to 14.51% (). Equity capital of Unity Bank at : $372.2 mn, or 11.7% of total assets. Unity Bank also reported a total capital ratio of 15.52% for , and a tier 1 leverage ratio of 12.88%.
On held-to-maturity securities, Unity Bank carried an unrealized loss of $6.3 mn at , equal to 1.7% of equity capital. The loss narrowed by $444,000 over the year. Its deepest point: $8.8 mn in . The available-for-sale portfolio of Unity Bank showed an unrealized loss of $1.6 mn at ; the loss narrowed by $2.2 mn over the year.
Unity Bank: capital ratios
- Total capital 16%
- CET1 14%
- Tier 1 leverage 13%
Unity Bank: unrealized securities gains and losses
- Available for sale -$2mn
- Held to maturity -$6mn
Profitability and loan quality
For the year to , Unity Bank earned a return on equity of 16.24%; return on assets: 1.91%. Net interest margin at Unity Bank: 4.42%, +0.10 pp in a year. Unity Bank net income: $29.1 mn, up 17.8% year on year. The efficiency ratio of Unity Bank was 41.25%: about 41 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 1.23% of total loans at Unity Bank; net charge-offs: -0.01% of average loans. Gross loans and leases at Unity Bank: $2.7 bn, up 12.6% in a year.
Unity Bank: profitability
- Return on equity 16%
- Net interest margin 4.4%
- Return on assets 1.9%
Peer group of Unity Bank
The peer group of Unity Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Unity Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New Jersey. Against them, Unity Bank shows CET1 ratio 14.27% against a peer median of 15.85%, return on equity 16.24% against a peer median of 12.54% and uninsured deposit share 42.06% against a peer median of 27.53%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Citizens Community Bank | State member bank | PA | $3.2 bn | not reported | 12.32% | 46.35% | |
| Exchange Bank | State nonmember bank | CA | $3.2 bn | 18.98% | 8.44% | 25.88% | |
| Bank of Greene | Federal savings bank | NY | $3.2 bn | 15.85% | 15.59% | 14.68% | |
| Unity Bank | State nonmember bank | NJ | $3.2 bn | 14.27% | 16.24% | 42.06% | |
| First National Bank | National bank | ME | $3.2 bn | 13.05% | 14.86% | 17.20% | |
| 1st Security Bank of Washington | State-chartered stock savings bank | WA | $3.2 bn | 12.84% | 9.81% | 29.18% | |
| Monet Bank | State nonmember bank | TX | $3.2 bn | 135.52% | 12.77% | 80.17% | |
. FDIC Call Reports.
Last eight quarters
Two years at Unity Bank, to : assets +21.2%, deposits +20.4%, equity +29.8%. Staff 222 to 249; offices 21 to 22.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.6 bn | $2.8 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.2 bn |
| Total deposits | $2.0 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.5 bn |
| Bank equity capital | $286.7 mn | $297.9 mn | $308.1 mn | $316.3 mn | $334.8 mn | $345.3 mn | $358.1 mn | $372.2 mn |
| CET1 ratio | 13.72% | 14.12% | 13.98% | 13.85% | 14.40% | 14.45% | 14.51% | 14.27% |
| Return on equity (ROE) | 14.51% | 14.78% | 15.45% | 16.07% | 16.46% | 16.56% | 16.12% | 16.24% |
| Uninsured share of domestic deposits | 37.30% | 38.18% | 39.82% | 39.40% | 44.02% | 42.75% | 43.20% | 42.06% |
| Full-time equivalent employees | 222 | 224 | 227 | 237 | 238 | 239 | 244 | 249 |
| Number of offices | 21 | 21 | 21 | 21 | 22 | 22 | 22 | 22 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Unity Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Unity Bank?
Unity Bank reported $3.2 bn at in its Call Report. That makes Unity Bank the 399th largest of 497 banks in our US coverage.
Is Unity Bank the same as its holding company?
No. This page covers Unity Bank, FDIC certificate 33503; UNITY BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Unity Bank profitable?
Unity Bank reported net income of $29.1 mn for the year to ; annualized return on equity: 16.24%. So yes: Unity Bank made a profit over these months.
When is data for Unity Bank next updated?
Figures from Unity Bank for are due after .
Where can I check the figures for Unity Bank?
In the FDIC BankFind Suite record for certificate 33503, and in the Call Reports of Unity Bank (RSSD ID 1890525) at the FFIEC Central Data Repository.