UNITY BANK

CLINTON, NJ | Large | Est. Sept. 13, 1991, midnight | FDIC #33503 | RSSD #1890525 | FDIC
Latest Report: 2025-12-31

UNITY BANK is aln large FDIC-insured commercial bank headquartered in CLINTON, NJ, established in Sept. 13, 1991, midnight. As of 2025-12-31, the bank reported total assets of $3.0B and total deposits of $2.3B. Profitability stands at 1.96% ROA and 16.78% ROE, with a net interest margin of 4.79%. The bank's CET1 capital ratio is 14.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 8.29%. FDIC Certificate #33503.

Assets

$3.0B

Deposits

$2.3B

Loans

$2.5B

Equity

$345M

Profitability

Return on Assets (ROA) 1.96%
Return on Equity (ROE) 16.78%
Net Interest Margin (NIM) 4.79%
Yield on Assets 6.93%
Cost of Funds 3.35%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.05%
Texas Ratio 8.29%
NPA Ratio 1.06%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 14.45%
Tier 1 Capital 14.45%
Total Capital Ratio 15.70%
Leverage Ratio 12.39%
Loan-to-Deposit 109.53%

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