# UNITY BANK
CLINTON, NJ · FDIC certificate 33503 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.18B | |
| Deposits | $2.46B | |
| Loans and leases | $2.68B | |
| Total equity | $372.2M | |
| Loans / deposits | 107.49% (p95 of band) | 87.10% |
| Liquid assets / assets | 11.41% (p9 of band) | |
| Uninsured deposits / deposits | 42.06% (p78 of band) | 30.76% |
| Brokered deposits | 9.47% | |
| Wholesale funding | 19.40% (p88 of band) | |
| FHLB advances / assets | 9.93% | |
| Tier 1 leverage | 12.88% (p84 of band) | 10.50% |
| Unrealized securities loss / equity | -4.34% (p67 of band) | -7.75% |
| AOCI / equity | 0.04% (p80 of band) | |
| ROA (annualized) | 1.91% (p85 of band) | 1.26% |
| Net interest margin | 4.42% (p85 of band) | 3.70% |
| Efficiency ratio | 41.25% (p9 of band) | |
| Noncurrent loans | 1.23% (p78 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 104.65% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 70.42% (p72 of band) | |
| Auto loans | $992,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 249 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | wholesale funding >15%, uninsured deposits leaving | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent | wholesale funding >15%, uninsured deposits leaving |
| 2013-12 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2014-03 | 2 | charge-offs p90 | reserve under noncurrent, capital falling, uninsured deposits leaving |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 0 |  | wholesale funding >15% |
| 2014-12 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | wholesale funding >15% |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | wholesale funding >15% | capital falling |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 1 |  | wholesale funding >15% |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | wholesale funding >15%, capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 | construction >100% equity | capital falling |
| 2021-03 | 3 | charge-offs p90 | construction >100% equity |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 1 | construction >100% equity | loans exceed deposits, wholesale funding >15% |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | capital falling |  |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | brokered >10% |  |
| 2024-03 | 3 |  | brokered >10% |
| 2024-06 | 2 |  | construction >100% equity |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-12 [Unity Bank appoints Sooy and Gaburo to its board of directors - ROI-NJ](https://news.google.com/rss/articles/CBMipwFBVV95cUxOZ2h4c2prOExNeml0alZ4MnpkVnRBM3A5d0tiZHpqS1FPOHdGLU5qNXFQbEJRbWR2eGpOaXp0MDV0c3pGSDdrbzVxMTIwMVdOVTRodmxFUFpGWHFyenA2ZlF6MW9FNDlldVRSaXRmTjVtTGJlS1V5aFZ4YW1nN3ZZZUhBS0ppYlR5UzQ4d2tKWC16YUtYeGh4UTVZRFVVVDhpLWJWenVocw?oc=5) · ROI-NJ
- 2026-06-11 [Unity Bank Adds Sara Sooy and Alfred Gaburo to Board of Directors - citybiz.co](https://news.google.com/rss/articles/CBMipwFBVV95cUxOMFM5Z3pQOTIyVXRGcHAtLUIyR21pYklIRzFzRGRuVjBHTjROYno5OTZnU1AzYU5ILXlsUDlIWU9EbnJOV1NtR0tFNGFDY2VTSzBzWnJPeldNR2VhTWJ3MGo0N3k3c3NmdUczWDhzZE5WOU96Tml3cktfcUhqclJVanhLaDVhZGZiV2EtN0o3REJOc0JhSFRZdG1RX19LQWtmU2t1cmVCTQ?oc=5) · citybiz.co
- 2026-06-12 [Unity Bank Appoints Sara M. Sooy and Alfred J. Gaburo to Board of Directors - Morris Focus](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZ1FlUXpMY3MyTTJGeHB5clNGd2J4eHFFbUZOMW83VGJJUWhXUFJ1U1NoS1JvVWxGWFVGTU9rUGliQmlQWHJMcWxRT1VNbERxVmxpSmkyLTJRejE4OENTMVFHTF9xUlVSa1FaNVNoNlZBWE95V05kZzh2TGxwLVpCRzNicmpCcW0tMENPQkV5UTliVHRTMkl6T09UWDQ0MGFyM21lckszMHVpWjBRb1E?oc=5) · Morris Focus
- 2026-08-05 [Unity Bank Named New Jersey Economic Development Authority Premier Lender - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2025-12-06 [Unity Bank Classic Car Show benefits Family Promise - New Jersey Hills](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOVkJqaGRJbVRQMldhTVBFQmd5YTlubGszR0dkTXJFNTRKa3RtRWtVbUxXSUx5aDhOY3BrUmVhWUE2Rk1EUk9LTGs5RkZkTUZHTFJlUVRyNjNKcUZEaGNFTkY3WXhKb0xsTjhJdTB3VTJmcUdzSVRJeG1Bb0QxWnhUMk1CR2hGZmszZ3hETGtaSjBwMWZWb0E1S0Q0WXN2am93dU5XRHVlVldtNjlvZEhVRW81eUNlQ2pSTzdWMEQ2eDRwS3RNVHVsMkw0Y01RMXh1aUN0SDEzSVVuTUFUZVJ4Wm5SN1NLVnJ0ekE?oc=5) · New Jersey Hills
- 2023-02-07 [Unity Bank debuts 1,900 sq. ft. Fort Lee branch - Real Estate NJ](https://news.google.com/rss/articles/CBMicEFVX3lxTE9hd3lkZ0c1c1JxVmF5V2F3Q21zYVB1M3JOeFo2MmZhcnFZVXdORHZPMk1fY0FfZ0FyR25CdGs5UzNzUVIxcXBVR0Q1dmJRaFJ6STZISzhXbkE5NlVEeDlkdFFOYk1DZU4zSzM2LVl1UEU?oc=5) · Real Estate NJ
- 2025-04-22 [Unity Bank Named One of America's Top-Performing Small Banks by Hovde Group - Quiver Quantitative](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdXpYWmtJZW5iekJ5eEZYR0lNclFOaXpjRlVnZ2pKS2lTRE1SVnA3cFNoZnNQbktIaVM5SGtvd3BXRmREaTI1dXVOSVNJbHA2SGlRbE1ZOVRVY1VXUmtPRGpNLWROalpJYU5ndndPUF93c2ItanFyRS1fSFFadFFLdGZ0UjlKU25McmZWWG9KYjE4b0IyOWpWRXpHWXBTaVM4cDZKeHJyWDlSc3FMNVhN?oc=5) · Quiver Quantitative
- 2021-10-21 [Unity Bank expands with Centurion Union Center branch - NJBIZ](https://news.google.com/rss/articles/CBMifEFVX3lxTE01WDc5TzgxQlhwMmtZVkJReExWLVVWb2xkbVd0QXpjZnltNExtd3VVcWJyX1FCTDFDVUp2SDg3TmF0TWI1bEJMT01PM1RzQXh5NExhRWlIQ29DTHN2RjVwM1pDaXpHYlB2dlRmRF9XNUtsdEc3M2g3cUEySVo?oc=5) · NJBIZ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33503 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "33503", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide