Unity Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 2.6% in Q2 2026 to $14.7M, the biggest move on this page. On net interest margin, Unity Bank ranks 3rd highest among the 49 banks headquartered in New Jersey, at 4.63% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Unity Bank sits 0.92 points higher, at 4.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.73% |
| Yield on loans | 6.89% |
| Yield on securities | 4.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | 3.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.63% |
| Yield to cost spread | 4.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $45.2M |
| Total interest expense | $14.7M |
| Interest expense on deposits | $13.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.29% | 2.44% | 4.04% | 6.35% | 5.23% |
| Q4 2023 | 6.46% | 2.57% | 4.12% | 6.54% | 5.38% |
| Q1 2024 | 6.49% | 2.61% | 4.12% | 6.58% | 5.30% |
| Q2 2024 | 6.51% | 2.70% | 4.07% | 6.65% | 4.79% |
| Q3 2024 | 6.69% | 2.68% | 4.26% | 6.83% | 5.21% |
| Q4 2024 | 6.75% | 2.50% | 4.49% | 6.91% | 4.96% |
| Q1 2025 | 6.68% | 2.39% | 4.53% | 6.83% | 4.89% |
| Q2 2025 | 6.72% | 2.42% | 4.54% | 6.89% | 4.96% |
| Q3 2025 | 6.86% | 2.46% | 4.66% | 7.02% | 5.07% |
| Q4 2025 | 6.85% | 2.39% | 4.73% | 7.04% | 4.91% |
| Q1 2026 | 6.67% | 2.33% | 4.60% | 6.84% | 4.86% |
| Q2 2026 | 6.73% | 2.36% | 4.63% | 6.89% | 4.84% |
Unity Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity Bank, freeSource: Call Report Schedules RI and RC-K, 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)