What is Unity Bank's financial health grade?

Unity Bank has a TFS Financial Health Grade of C+ (score: 77.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Unity Bank have?

Unity Bank has 22 branch locations across the United States.

Is Unity Bank FDIC insured?

Yes, Unity Bank is FDIC insured (Certificate #33503).

What are the total assets of Unity Bank?

Unity Bank has total assets of $3.0B as reported in its most recent FDIC filing.

Unity Bank

BankClinton, New Jersey

www.unitybank.com

Total Assets

$3.0B

Total Deposits

$2.3B

Branches

Established

1991

TFS Health Grade

C+

77.1 / 100

Average financial health

How we grade

Unity Bank is a bank headquartered in Clinton, New Jersey, established in 1991. With $3.0B in total assets and 22 branch locations, it has a TFS Financial Health Grade of C+ (77.1/100).

Capital & Safety

Tier 1 Capital Ratio

12.39%(8%)

Total Capital Ratio

15.70%(10%)

Non-Performing Loan Ratio

1.17%

Profitability

Return on Assets (ROA)

1.88%(1%)

Return on Equity (ROE)

16.56%(10%)

Net Interest Margin

4.43%

Efficiency Ratio

41.57%(60%)

Lending & Liquidity

Total Loans

$2.5B

Loan-to-Deposit Ratio

108.14%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

+11.72%

Deposit Growth (YoY)

+10.66%

Net Income

$53.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Unity BankHQ	64 Old Highway 22	Clinton	NJ	11
Unity Bank	1746 Oak Tree Rd	Edison	NJ	11
Unity Bank	4 Emerson Plz W	Emerson	NJ	11
Unity Bank	157 Main St	Flemington	NJ	11
Unity Bank	899 Palisade Ave	Fort Lee	NJ	11
Unity Bank	104 Raritan Ave	Highland Park	NJ	11
Unity Bank	66 N. Beverwyck Road	Lake Hiawatha	NJ	11
Unity Bank	1255 Route 70	Lakewood	NJ	11
Unity Bank	628 N Wood Ave	Linden	NJ	11
Unity Bank	269 Main St	Madison	NJ	11
Unity Bank	1230 Bound Brook Rd	Middlesex	NJ	11
Unity Bank	450 Somerset St	North Plainfield	NJ	11
Unity Bank	1225 Us - 22 W	Phillipsburg	NJ	11
Unity Bank	2222 South Avenue	Scotch Plains Township	NJ	11
Unity Bank	120 Cedar Grove Ln	Somerset	NJ	11
Unity Bank	12 Mountain Ave	Somerville	NJ	11
Unity Bank	2426 Plainfield Ave	South Plainfield	NJ	11
Unity Bank	945 Stuyvesant Ave	Union	NJ	11
Unity Bank	5 E Asbury Anderson Rd	Washington	NJ	11
Unity Bank	370 Route 22	Whitehouse Station	NJ	11
Unity Bank	2850 Easton Ave	Bethlehem	PA	11
Unity Bank	1700 Sullivan Trl	Easton	PA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.