Advertisement
Unity Bank
Clinton, NJ · FDIC Certificate #33503 · Chartered 09/1
Total assets
$3.18B
Total deposits
$2.46B
Total equity
$372.22M
Net loans
$2.65B
Branches (offices)
22
Net income (YTD)
$29.11M
Rank: #405 of 4,213 U.S. banks by assets · #13 of 49 in New Jersey. Assets changed 9.0% and deposits 12.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.91% |
| Return on equity | 16.24% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 11.69% |
| Tier 1 leverage ratio | 12.88% |
| Uninsured deposits (share of deposits) | 42.1% |
| Noncurrent loans (share of loans) | 1.23% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 107.5% |
| Real estate loans (share of loans) | 96.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.57B | 96.9% | |
| Commercial & industrial | $111.52M | 4.2% | |
| Consumer / individual | $2.02M | 0.1% | |
| Construction & development | $262.11M | 9.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.10B | $1.70B | $18.26M | $218.38M |
| Jun 2023 | $2.54B | $1.85B | $19.75M | $242.79M |
| Jun 2024 | $2.59B | $2.01B | $18.94M | $274.60M |
| Jun 2025 | $2.92B | $2.19B | $24.71M | $316.30M |
| Jun 2026 | $3.18B | $2.46B | $29.11M | $372.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $2.36B | 20 |
| Pennsylvania | $108.64M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.46B.
Similar-sized banks
Bank Of Greene ($3.18B) · First National Bank ($3.18B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement