Unity Bank
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
$3.2BAssets
$2.7BLoans
$2.5BDeposits
$372.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 4 of 35).
- Widest gap: nonperforming loans / loans trails 69% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 26 of 36).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $47.9M · efficiency ratio beats 91% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area | 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 |