Unity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unity Bank of Clinton, NJ against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.07% | 1.34% | +0.73% | 89th top |
| ROAE | 16.36% | 12.34% | +4.02% | 77th top |
| Net Interest Margin | 4.63% | 3.83% | +0.80% | 90th top |
| Efficiency Ratio | 40.60% | 58.97% | -18.37% | 92nd top |
| PPNR / Avg Assets | 2.84% | — | — | 93rd top |
| Yield on Earning Assets | 6.73% | 5.71% | +1.02% | 93rd top |
| Cost of Funds | 2.36% | 2.02% | +0.34% | 27th below |
| Net Interest Spread | 4.10% | — | — | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 0.87% | +0.36% | 22nd bottom |
| NPA / Total Assets | 1.08% | — | — | 19th bottom |
| NCO / Avg Loans | -0.02% | 0.43% | -0.45% | 95th top |
| ACL / Total Loans | 1.29% | — | — | 67th above |
| ACL / NPLs (Coverage) | 104.65% | — | — | 26th below |
| Texas Ratio | 8.52% | 5.48% | +3.04% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.27% | 14.99% | -0.72% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.27% | 15.02% | -0.75% | 61st above |
| Total Capital Ratio | 15.52% | — | — | 64th above |
| Leverage Ratio | 12.88% | 11.11% | +1.77% | 84th top |
| Equity / Assets | 11.69% | 11.02% | +0.67% | 72nd above |
| TCE / Tangible Assets | 11.63% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.90% | 86.99% | +21.91% | 5th bottom |
| Core Deposit Ratio | 76.18% | 85.57% | -9.39% | 15th bottom |
| Uninsured Deposit Ratio | 42.06% | 33.19% | +8.87% | 22nd bottom |
| Wholesale Funding Ratio | 9.93% | — | — | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.04% | — | — | 71st above |
| Loan Growth (Y/Y) | 12.57% | — | — | 79th top |
| Deposit Growth (Y/Y) | 12.32% | — | — | 81st top |
See Unity Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unity Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Unity Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Unity Bank peer analysis.