Unity Bank (Clinton, NJ): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Unity Bank. Based in Clinton, New Jersey, it had $3.2 billion in assets at June 30, 2026, up 9.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.23% of loans from 0.67% a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 4.63 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Net income for the quarter rose 15% from a year earlier, to $15 million. Credit is the area to watch: it carries problem assets equal to 8.5% of the capital and reserves that would absorb them, 2.4 times the median of 3.6% for banks its size.
As of June 30, 2026, Unity Bank reported a CET1 capital ratio of 14.27%, a return on assets of 2.07%, a nonperforming-loan ratio of 1.75% and a Texas ratio of 8.52%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 64 Old Highway 22, Clinton, NJ 08809
- County
- Hunterdon
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 13, 1991
- Offices
- 22 domestic
- Employees (FTE)
- 249
- Domestic deposits
- $2.46B
- Allowance for credit losses
- $34.6M
- Net charge-offs (YTD)
- -$126K
- Average total assets
- $2.89B
- Average total loans
- $2.62B
- Average interest-bearing deposits
- $1.94B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 13, 1991
- FDIC Cert
- 33503
- Fed RSSD
- 1890525
- SEC CIK
- 920427 → filed by UNITY BANCORP, INC.
- Website
- www.unitybank.com →
- Parent Holding Company
- UNITY BANCORP, INC. (RSSD 2181426) · UNTY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James A Hughes | CEO | CEO |
| George Boyan | PRES | President |
| James R Davies | CFO | Chief Financial Officer/FSVP |
| Minsu Kim | CCO | Chief Credit Officer/SVP |
| David G Bove | CIO | Chief Information Officer/SVP |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Unity Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Unity Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Unity Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 2.07% | 1.75% | 8.52% | 4.63% |
| Q1 2026 | 14.51% | 2.00% | 1.68% | 8.15% | 4.60% |
| Q4 2025 | 14.45% | 2.05% | 1.65% | 8.14% | 4.73% |
| Q3 2025 | 14.40% | 2.09% | 1.38% | 4.95% | 4.66% |
| Q2 2025 | 13.85% | 1.98% | 0.95% | 4.65% | 4.54% |
| Q1 2025 | 13.98% | 1.83% | 0.75% | 4.55% | 4.53% |
| Q4 2024 | 14.12% | 1.82% | 0.83% | 3.65% | 4.49% |
| Q3 2024 | 13.72% | 1.74% | 0.96% | 3.20% | 4.26% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 22 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Unity Bank (main office) | Clinton , NJ | 08809 | $583.9M |
| Somerville Branch | Somerville , NJ | 08876 | $143.9M |
| Washngton Branch | Washington , NJ | 07882 | $142.1M |
| Edison Branch | Edison , NJ | 08820 | $141.5M |
| Emerson Branch | Emerson , NJ | 07630 | $136.2M |
| Whitehouse Branch | Whitehouse Station , NJ | 08889 | $127.9M |
| Flemington Branch | Flemington , NJ | 08822 | $127.1M |
| North Plainfield Branch | North Plainfield , NJ | 07060 | $114.1M |
| Phillipsburg Branch | Phillipsburg , NJ | 08865 | $100.4M |
| Somerset Branch | Somerset , NJ | 08873 | $98.6M |
| Scotch Plains Township Branch | Scotch Plains Township , NJ | 07076 | $87.0M |
| Forks Township Branch | Easton , PA | 18040 | $82.6M |
| Highland Park Branch | Highland Park , NJ | 08904 | $79.7M |
| Linden Branch | Linden , NJ | 07036 | $78.2M |
| Fort Lee Branch Office | Fort Lee , NJ | 07024 | $72.8M |
| Middlesex Branch | Middlesex , NJ | 08846 | $67.6M |
| South Plainfield Branch | South Plainfield , NJ | 07080 | $64.4M |
| Lakewood Branch Office | Lakewood , NJ | 08701 | $60.8M |
| Union Branch | Union , NJ | 07083 | $56.6M |
| Lake Hiawatha Branch | Lake Hiawatha , NJ | 07034 | $48.3M |
| Bethlehem Branch | Bethlehem , PA | 18017 | $26.1M |
| Unity Bank - Madison Branch | Madison , NJ | 07940 | $25.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 14, 1991 | Structure Change | Acquired First Atlantic Federal Saving Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Unity Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve, SEC Form 8-K)
- November 23, 2022, SEC Form 8-K: 8-K Item 1.02: consent order
- July 18, 2000, Federal Reserve: Written Agreement: Unity Bancorp, Inc.Clinton, NJ
- Period: Most recent institution action November 23, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in NJ, rank 28 of 104 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 523 applications, 384 loans originated, $223.8M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $11.4M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Unity Bank
What are Unity Bank's total assets?
As of the Q2 2026 filing, Unity Bank reported total assets of $3.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Unity Bank headquartered?
Unity Bank is headquartered in Clinton, NJ, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Unity Bank founded?
Unity Bank was established in 1991, per the FDIC institution directory.
Is Unity Bank FDIC-insured?
Yes. Unity Bank is an FDIC-insured commercial bank (FDIC Certificate #33503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unity Bank?
Unity Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Unity Bank's CET1 capital ratio?
Unity Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Unity Bank operate?
Unity Bank operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unity Bank's Texas Ratio?
Unity Bank's Texas Ratio is 8.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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