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 | |