Unity Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 5.7% from Q1 2026 to Q2 2026, ending at $2.60B against $2.46B. It was the largest change among the key lines on this page. Within New Jersey, Unity Bank is 18th of 37 on CET1 ratio, 14.27% as of Q2 2026. Unity Bank reported 14.27% on CET1 ratio for Q2 2026, 0.77 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.27% |
| Tier 1 risk-based capital ratio | 14.27% |
| Total risk-based capital ratio | 15.52% |
| Tier 1 leverage ratio | 12.88% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $371.5M |
| Tier 1 capital | $371.5M |
| Total risk-based capital | $404.1M |
| Total equity capital | $372.2M |
| Risk-weighted assets | $2.60B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.69% |
| Tangible equity to tangible assets | 11.63% |
| Equity capital to average assets | 12.90% |
| Internal capital growth rate | 14.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $19.9M |
| Common stock surplus | $66.0M |
| Retained earnings | $287.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$949K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 10.35% | — |
| Q4 2023 | 12.77% | 12.77% | 14.02% | 10.75% | $2.05B |
| Q1 2024 | 13.11% | 13.11% | 14.36% | 11.10% | $2.06B |
| Q2 2024 | 13.42% | 13.42% | 14.67% | 11.35% | $2.06B |
| Q3 2024 | 13.72% | 13.72% | 14.97% | 11.67% | $2.09B |
| Q4 2024 | 14.12% | 14.12% | 15.37% | 11.95% | $2.11B |
| Q1 2025 | 13.98% | 13.98% | 15.23% | 12.05% | $2.21B |
| Q2 2025 | 13.85% | 13.85% | 15.10% | 12.04% | $2.29B |
| Q3 2025 | 14.40% | 14.40% | 15.65% | 12.41% | $2.32B |
| Q4 2025 | 14.45% | 14.45% | 15.70% | 12.39% | $2.39B |
| Q1 2026 | 14.51% | 14.51% | 15.76% | 12.62% | $2.46B |
| Q2 2026 | 14.27% | 14.27% | 15.52% | 12.88% | $2.60B |
Unity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33503) · FFIEC NIC profile (RSSD 1890525)