Clinton, NJ · Cert 33503 · Unity Bcorp Inc.
State charter, non-member · FDIC · 22 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
48
Profitability
83
Liquidity
51
Efficiency
91
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Clinton, NJ · Cert 33503 · Unity Bcorp Inc.
State charter, non-member · FDIC · 22 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #59 of 151 inst. · $2.1B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.58% | 1.73% | 1.78% | 1.85% | 1.88% | 1.90% | 1.91% | +13 bps | |
| Return on Equity | 14.51% | 14.78% | 15.45% | 16.07% | 16.46% | 16.56% | 16.12% | 16.24% | +17 bps | |
| Net Interest Margin | 3.98% | 4.03% | 4.39% | 4.34% | 4.33% | 4.30% | 4.47% | 4.44% | +10 bps | |
| Efficiency Ratio | 46.39% | 45.90% | 43.03% | 42.66% | 42.28% | 41.57% | 41.91% | 41.25% | -141 bps | |
| Non-Interest Burden | 1.70% | 1.71% | 1.76% | 1.71% | 1.68% | 1.64% | 1.69% | 1.66% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.03% | 3.06% | 7.83% | 12.78% | 9.07% | 11.72% | 9.32% | 9.04% | -374 bps | |
| Loan Growth (YoY) | 1.98% | 4.08% | 7.86% | 9.80% | 11.32% | 12.57% | 10.93% | 12.57% | +277 bps | |
| Deposit Growth (YoY) | 8.58% | 9.13% | 10.91% | 9.12% | 10.82% | 10.66% | 9.42% | 12.32% | +320 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.61% | 0.77% | 0.78% | 0.84% | 1.17% | 1.18% | 1.23% | +45 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.08% | 0.07% | 0.06% | 0.05% | 0.00% | -0.01% | -8 bps | |
| Allowance / Loans | 1.22% | 1.18% | 1.18% | 1.22% | 1.22% | 1.27% | 1.28% | 1.29% | +7 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.9x | 1.5x | 1.6x | 1.4x | 1.1x | 1.1x | 1.0x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.67% | 11.95% | 12.05% | 12.04% | 12.41% | 12.39% | 12.62% | 12.88% | +85 bps | |
| Total Risk-Based Capital | 14.97% | 15.37% | 15.23% | 15.10% | 15.65% | 15.70% | 15.76% | 15.52% | +41 bps | |
| Equity / Assets | 10.91% | 11.26% | 11.17% | 10.83% | 11.68% | 11.68% | 11.87% | 11.69% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.41% | 107.68% | 107.86% | 108.65% | 108.91% | 109.53% | 109.36% | 108.90% | +24 bps | |
| Liquid Assets / Assets | 7.68% | 7.61% | 8.19% | 10.41% | 7.64% | 7.89% | 7.99% | 8.15% | -226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 469% | 476% | 479% | n/a | n/a | |
Clinton, NJ · Cert 33503 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Unity Bcorp Inc.
State charter, non-member · FDIC · 22 branches
Q2 2026
Return on Assets
1.83%
Rank 8 of 36
Net Interest Margin
4.44%
Rank 4 of 36
Efficiency Ratio
41.25%
Rank 4 of 35
Equity / Assets
11.69%
Rank 17 of 36
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.83% | 0.65% | 1.00% | 1.72% | Beats 78% | 8 / 36 | ||
| Return on Equity | 15.64% | 5.35% | 9.30% | 13.56% | Beats 83% | 6 / 35 | ||
| Net Interest Margin | 4.44% | 2.66% | 3.13% | 3.63% | Beats 89% | 4 / 36 | ||
| Efficiency Ratio | 41.25% | 52.19% | 63.09% | 75.14% | Beats 91% | 4 / 35 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.46% | 0.84% | 1.59% | Beats 31% | 26 / 36 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.03% | 0.14% | Beats 64% | 14 / 36 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.27% | 13.13% | 14.78% | 18.34% | Beats 42% | 21 / 36 | ||
| Total Risk-Based Capital Ratio | 15.52% | 13.73% | 15.96% | 19.27% | Beats 47% | 19 / 36 | ||
| Equity / Assets | 11.69% | 9.80% | 11.58% | 14.82% | Beats 53% | 17 / 36 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.90% | 81.12% | 95.13% | 103.24% | 83rd pctl | 6 / 36 | ||
| Loans / Assets | 84.29% | 67.44% | 76.31% | 84.79% | 72nd pctl | 10 / 36 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||