Unity Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 27.3% in Q2 2026, from $248.3M to $316.1M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Unity Bank ranks 4th highest among the 49 banks headquartered in New Jersey, at 108.90% (Q2 2026). Unity Bank reported 108.90% on loan-to-deposit ratio for Q2 2026, 20.69 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $250.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $363.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $316.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.90% |
| Net loans and leases to deposits | 107.49% |
| Loans and leases to core deposits | 123.16% |
| Core deposits to total deposits | 76.18% |
| Brokered deposits to total deposits | 12.23% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 115.43% | 79.85% | $0 | $388.6M |
| Q4 2023 | 112.91% | 79.03% | $0 | $356.4M |
| Q1 2024 | 110.92% | 79.94% | $0 | $299.4M |
| Q2 2024 | 107.98% | 79.79% | $0 | $274.8M |
| Q3 2024 | 108.41% | 80.36% | $0 | $266.8M |
| Q4 2024 | 107.68% | 78.27% | $0 | $220.5M |
| Q1 2025 | 107.86% | 78.97% | $0 | $243.3M |
| Q2 2025 | 108.65% | 78.35% | $0 | $377.1M |
| Q3 2025 | 108.91% | 77.95% | $0 | $231.7M |
| Q4 2025 | 109.53% | 77.16% | $0 | $255.8M |
| Q1 2026 | 109.36% | 77.16% | $0 | $248.3M |
| Q2 2026 | 108.90% | 76.18% | $0 | $316.1M |
Unity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity Bank, freeSource: Call Report Schedules RC and RC-M, 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)