UNITY BANK
UNITY BANK is an FDIC-insured commercial bank headquartered in CLINTON, NJ, established in 1991. As of , 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 4.78%. CET1 capital ratio: 14.45%, well above regulatory minimums. NPL ratio: 1.65% · Texas Ratio: 11.49%. Operates 21 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Unity Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 14.45% | 1.96% | 1.65% | 11.49% | 4.78% |
| 2025-09-30 | 14.40% | 1.95% | 1.38% | 9.31% | 4.70% |
| 2025-06-30 | 13.85% | 1.83% | 0.95% | 6.53% | 4.58% |
| 2025-03-31 | 13.98% | 1.73% | 0.75% | 5.25% | 4.56% |
| 2024-12-31 | 14.12% | 1.72% | 0.83% | 5.82% | 4.53% |
| 2024-09-30 | 13.72% | 1.64% | 0.96% | 6.78% | 4.29% |
| 2024-06-30 | 13.42% | 1.47% | 0.87% | 6.25% | 4.10% |
| 2024-03-31 | 13.11% | 1.48% | 0.94% | 6.96% | 4.15% |
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Frequently asked about UNITY BANK
What are Unity Bank's total assets?
As of the Q4 2025 filing, Unity Bank reported total assets of $2.96 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 14.45% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Unity Bank operate?
Unity Bank operates 21 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Unity Bank's Texas Ratio?
Unity Bank's Texas Ratio is 11.49% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.