← Back to Institutions
Unity Bank
Clinton, NJ·FDIC Cert #33503·Charter: STATE·Est. 19910913.0·HC: UNITY BCORP INC
Total Assets
$3.0B
Q4 2025
Return on Assets
1.88%
+0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
41.57%
Peer avg: 58.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.88%+0.03
ROE
16.56%+0.10
Efficiency
41.57%-0.71
Equity/Assets
0.00%+0.00
NPL Ratio
1.19%+0.33
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
108.14%+0.57
Charge-offs
0.05%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.5 | 1.5 | 1.6 | 1.7 | 1.8 | 1.8 | 1.9 |
| ROE | 14.3 | 14.1 | 14.5 | 14.8 | 15.4 | 16.1 | 16.5 | 16.6 |
| Efficiency | 47.8 | 47.5 | 46.4 | 45.9 | 43.0 | 42.7 | 42.3 | 41.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.6 | 0.6 | 0.6 | 0.8 | 0.8 | 0.9 | 1.2 |
| Charge-offs | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 |
| Loan/Deposit | 109.6 | 106.7 | 107.1 | 106.4 | 106.6 | 107.3 | 107.6 | 108.1 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.3B
Total Loans$2.5B
Total Equity$345.3M
Profitability
ROA1.88%
ROE16.56%
Efficiency Ratio41.57%
Net Income$53.1M
Risk & Asset Quality
NPL Ratio1.19%
Charge-off Rate0.05%
Loan/Deposit108.14%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans