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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.83% | 1.95% | 1.96% | 1.90% | 1.93% | +10 bps | |
| Return on Equity | 16.66% | 17.32% | 16.78% | 16.12% | 16.36% | -30 bps | |
| Net Interest Margin | 4.41% | 4.52% | 4.61% | 4.47% | 4.50% | +9 bps | |
| Efficiency Ratio | 42.31% | 41.56% | 39.61% | 41.91% | 40.61% | -171 bps | |
| Non-Interest Burden | 1.70% | 1.71% | 1.68% | 1.69% | 1.66% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.78% | 9.07% | 11.72% | 9.32% | 9.04% | -374 bps | |
| Loan Growth (YoY) | 9.80% | 11.32% | 12.57% | 10.93% | 12.57% | +277 bps | |
| Deposit Growth (YoY) | 9.12% | 10.82% | 10.66% | 9.42% | 12.32% | +320 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 0.84% | 1.17% | 1.18% | 1.23% | +45 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.03% | 0.02% | 0.00% | -0.02% | -8 bps | |
| Allowance / Loans | 1.22% | 1.22% | 1.27% | 1.28% | 1.29% | +7 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.4x | 1.1x | 1.1x | 1.0x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.04% | 12.41% | 12.39% | 12.62% | 12.88% | +85 bps | |
| Total Risk-Based Capital | 15.10% | 15.65% | 15.70% | 15.76% | 15.52% | +41 bps | |
| Equity / Assets | 10.83% | 11.68% | 11.68% | 11.87% | 11.69% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.65% | 108.91% | 109.53% | 109.36% | 108.90% | +24 bps | |
| Liquid Assets / Assets | 10.41% | 7.64% | 7.89% | 7.99% | 8.15% | -226 bps | |
| CRE / Total Capital | n/a | 469% | 476% | 479% | n/a | n/a | |