UNITY BANK

FDIC #33503 · NJ · period 20260630

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Total assets1,118,727-8.47% YoY

Total deposits927,943-5.49% YoY

Net loans and leases876,981-11.46% YoY

Return on assets0.97%-2.04% YoY

Return on equity12.91%+23.30% YoY

Net interest margin3.51%-8.58% YoY

Peer position

Return on assets85thstrength · n=902

Return on equity80thstrength · n=894

Net interest margin85thstrength · n=902

Equity to assets72ndstrength · n=894

Noncurrent loans22ndopportunity · n=887

Liquid assets9thopportunity · n=895

Brokered deposits16thopportunity · n=890

Loans to deposits5thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,118,727	927,943	876,981	0.97	12.91	3.51
2016-06-30	1,126,190	914,204	904,891	1.13	14.96	3.56
2016-09-30	1,150,303	933,587	939,733	1.11	14.31	3.65
2016-12-31	1,185,728	946,666	963,401	1.09	13.51	3.69
2017-03-31	1,222,230	981,829	990,540	0.99	10.47	3.84
2017-06-30	1,272,092	1,005,510	1,036,529	1.01	10.76	3.90
2017-09-30	1,326,057	1,044,801	1,082,264	1.04	11.17	3.93
2017-12-31	1,450,195	1,044,456	1,159,600	0.94	10.25	3.93
2018-03-31	1,434,633	1,119,104	1,183,374	1.39	16.01	3.96
2018-06-30	1,509,139	1,148,189	1,234,317	1.39	15.97	3.91
2018-09-30	1,548,364	1,221,387	1,270,734	1.39	15.87	3.91
2018-12-31	1,570,941	1,208,874	1,291,474	1.41	15.98	3.93
2019-03-31	1,583,981	1,227,719	1,299,682	1.38	15.07	3.94
2019-06-30	1,620,520	1,265,632	1,331,142	1.39	14.99	3.92
2019-09-30	1,658,759	1,275,492	1,354,799	1.39	14.90	3.90
2019-12-31	1,712,368	1,252,165	1,411,467	1.38	14.78	3.88
2020-03-31	1,733,549	1,380,189	1,424,549	1.27	13.29	3.84
2020-06-30	1,894,008	1,484,459	1,574,531	1.17	12.46	3.75
2020-09-30	1,924,412	1,494,283	1,593,287	1.19	12.83	3.74
2020-12-31	1,951,990	1,558,283	1,606,921	1.25	13.57	3.79
2021-03-31	1,997,704	1,629,284	1,647,666	1.62	17.71	3.98
2021-06-30	1,966,037	1,595,505	1,634,100	1.64	17.49	4.02
2021-09-30	1,981,173	1,706,880	1,645,048	1.70	17.85	4.13
2021-12-31	2,022,383	1,760,270	1,630,005	1.74	18.07	4.23
2022-03-31	2,056,507	1,773,214	1,681,759	1.77	17.25	4.21
2022-06-30	2,104,766	1,699,014	1,781,271	1.77	17.23	4.36
2022-09-30	2,327,250	1,798,042	1,920,583	1.76	17.35	4.43
2022-12-31	2,431,532	1,789,501	2,084,196	1.71	17.06	4.45
2023-03-31	2,464,640	1,824,639	2,107,426	1.68	17.37	4.20
2023-06-30	2,540,614	1,849,761	2,144,374	1.59	16.52	4.12
2023-09-30	2,550,511	1,885,035	2,149,985	1.57	16.15	4.07
2023-12-31	2,567,603	1,924,781	2,147,361	1.54	15.71	4.05
2024-03-31	2,558,736	1,961,431	2,149,521	1.48	14.35	3.96
2024-06-30	2,589,361	2,010,976	2,145,411	1.47	14.14	3.93
2024-09-30	2,627,844	2,046,700	2,191,916	1.53	14.51	3.98
2024-12-31	2,646,255	2,100,561	2,234,997	1.58	14.78	4.07
2025-03-31	2,759,008	2,175,499	2,318,925	1.73	15.45	4.34
2025-06-30	2,920,186	2,194,394	2,355,293	1.78	16.07	4.32
2025-09-30	2,866,083	2,268,071	2,439,848	1.85	16.46	4.37
2025-12-31	2,956,346	2,324,458	2,513,729	1.88	16.56	4.43
2026-03-31	3,016,164	2,380,431	2,569,805	1.90	16.12	4.43
2026-06-30	3,184,193	2,464,747	2,649,465	1.91	16.24	4.42

Structure and branch footprint

22 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
1991-09-14	50	902476	1890525

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.