Unity Bank (Clinton, NJ)
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Data as of · sourced from FFIEC call reports. How we update
Unity Bank is an FDIC-insured commercial bank headquartered in Clinton, NJ, established in 1991 (FDIC certificate 33503), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.18B, up 9.0% from Q2 2025, the 13th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 14.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33503
- Headquarters
- Clinton, NJ
- Established
- 1991
- Total assets, Q2 2026
- $3.18B
- Assets vs Q2 2025
- +9.0%
- CET1 ratio, Q2 2026
- 14.27%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 021210057
- Holding company
- UNITY BANCORP, INC.
- Asset rank in state
- 13th of 49 in New Jersey
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 1.23% and a Texas ratio of 8.52%. The figures come from its call report filed with the FFIEC.
Unity Bank ranks as the 13th largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.6% to $3.18B, loans rose 3.1% and deposits rose 3.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 30.5% of total loans, followed by 1-4 family residential loans at 29.4%. The FDIC Summary of Deposits lists 22 offices for it, in 22 cities across 2 states; its Clinton office books 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Unity Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 22 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Unity Bank's total assets moved between a low of $2.55B (Q3 2023) and a high of $3.18B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.18B total assets against $2.92B; $2.81B total liabilities against $2.60B.
$2.65B net loans and leases against $2.36B; $2.46B total deposits against $2.19B.
$113.2M securities against $135.2M; $250.0M cash and balances due against $293.7M.
$47.1M total interest income against $43.0M; $14.7M total interest expense against $13.9M.
$32.5M net interest income against $29.0M.
$2.1M total noninterest income against $1.8M; $14.0M total noninterest expense against $13.1M.
$1.2M provision for credit losses against $1.1M.
$14.9M net income against $13.0M.
2.07% return on assets against 1.98%; 4.63% net interest margin against 4.54%.
14.27% CET1 capital ratio against 13.85%; 12.88% tier 1 leverage ratio against 12.04%.
Inside the full Unity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 216 of 3,606, for efficiency ratio; its furthest is 1,061 of 2,134, for CET1 ratio.
Metric pages for Unity Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.74% (Q3 2024) to 2.09% (Q3 2025) and its net interest margin ran from 4.26% (Q3 2024) to 4.73% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 2.07% | 1.23% | 8.52% | 4.63% |
| Q1 2026 | 14.51% | 2.00% | 1.18% | 8.15% | 4.60% |
| Q4 2025 | 14.45% | 2.05% | 1.17% | 8.14% | 4.73% |
| Q3 2025 | 14.40% | 2.09% | 0.84% | 4.95% | 4.66% |
| Q2 2025 | 13.85% | 1.98% | 0.78% | 4.65% | 4.54% |
| Q1 2025 | 13.98% | 1.83% | 0.77% | 4.55% | 4.53% |
| Q4 2024 | 14.12% | 1.82% | 0.61% | 3.65% | 4.49% |
| Q3 2024 | 13.72% | 1.74% | 0.59% | 3.20% | 4.26% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 96 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Unity Bank headquartered?
It is headquartered in Clinton, NJ, United States.
When was Unity Bank founded?
It was established in 1991, per the FDIC institution directory.
Is Unity Bank FDIC-insured?
Yes. It 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.
What is Unity Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 8.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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