Vitals
  • Total Assets
    1.2B 9.4 %
  • Total Deposits
    946.7M 5.8 %
  • Total Net Loans
    963.4M 10.0 %
  • Net Income
    12.4M 33.8 %
  • Book Value
    112.8M 33.7 %
  • Book Value x2
    225.6M 33.7 %
  • Book Value x3
    338.3M 33.7 %
ROAA

1.1

ROAE

13.514

Efficiency Ratio

57.972

Net Interest Margin

3.657

Balance Sheet Highlights
Financial Highlights Unity Bank All Insured Commercial Banks in New Jersey
Balance Sheet $(000)
Total Assets 1,185,728 941,236
Total Net Loans 963,401 666,560
Total Deposits 946,666 782,459
Total Equity 112,777 105,130
Profitability
Net Income 12,406 8,451
Return on Average Assets 1.1 .672
Return on Average Equity 13.514 6.44
Net Interest Margin 3.657 3.432
Efficiency Ratio 57.972 74.417
Noninterest Income/Revenue 15.662 18.002
Balance Sheet Ratios
Loan-to-Deposit 101.768 86.355
Securities/Assets .052 .113
Total Equity/Total Assets .095 .112
Tangible Equity/Tangible Assets .092 .102
Capital Adequacy
Tier 1 Common Capital 110,894 95,604
Tier 1 Capital 110,894 95,771
Tier 2 Capital 11,356 8,179
Total Capital 122,250 103,980
Total Risk Weighted Assets 907,091 734,206
Leverage Ratio 9.5 9.818
Common Equity Tier 1 Capital Ratio 12.23 13.154
Tier 1 Capital Ratio 12.23 13.207
Total Capital Ratio 13.48 14.399

Timeline for Unity Bank

Unity Participation Company, Inc.

Unity Participation Company, Inc. became a new subsidiary organization for Unity Bank.

View Profile Jan 01 2006

Certified Mortgage Associates, Inc.

Certified Mortgage Associates, Inc. became a new subsidiary organization for Unity Bank.

View Profile Feb 18 1999

Unity Investment Services, Inc.

Unity Investment Services, Inc. became a new subsidiary organization for Unity Bank.

View Profile Feb 08 1995

Unity Bancorp, Inc.

Unity Bancorp, Inc. became a new parent organization for Unity Bank.

View Profile Dec 01 1994

Unity Financial Services, Inc.

Unity Financial Services, Inc. became a new subsidiary organization for Unity Bank.

View Profile Jul 03 1992

Want to see more?

Complete timeline for Unity Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Atlantic Federal Savings And Loan Association Seller 683,718 Failure 9/14/1991
Relationships Role Relationship Start Relationship End
Unity Bancorp, Inc. Parent 12/1/1994
Unity Investment Services, Inc. Subsidary 6/30/2007
Unity Financial Services, Inc. Subsidary 6/30/2007 12/20/2012
Unity Participation Company, Inc. Subsidary 6/30/2007 12/31/2010
Unity Investment Services, Inc. Subsidary 2/8/1995 6/29/2007
Unity Financial Services, Inc. Subsidary 7/3/1992 6/29/2007
Unity Participation Company, Inc. Subsidary 1/1/2006 6/29/2007
Certified Mortgage Associates, Inc. Subsidary 2/18/1999 12/26/2000
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