Unity Bank (FDIC #33503): Bank Stress & Real-Estate Credit Exposure

Unity Bank (FDIC Cert #33503): bank stress 46/100, moderate, STABLE over 7 days; parent UNITY BCORP INC.

Unity Bank (#33503) lends in 9 counties across 2 states; Unity Bank (#33503) reaches 308 ZIP codes: New Jersey 8 counties, 282 ZIPs; Pennsylvania 1 county, 26 ZIPs.

Unity Bank (#33503) largest markets: Bergen County, NJ (132 branches, 66 ZIPs) (#33503), Morris County, NJ (116 branches, 58 ZIPs) (#33503), Middlesex County, NJ (176 branches, 44 ZIPs) (#33503), Somerset County, NJ (99 branches, 33 ZIPs) (#33503), Ocean County, NJ (30 branches, 30 ZIPs) (#33503), Union County, NJ (81 branches, 27 ZIPs) (#33503).

Unity Bank (#33503) reports $3.18 billion in total assets; Unity Bank (#33503) equity $372.2 million (11.7% of Unity Bank (#33503) assets); Unity Bank (#33503) domestic deposits $2.46 billion; Unity Bank (#33503) net income $29.1 million; Unity Bank (#33503) return on assets 1.91%; Unity Bank (#33503) return on equity 16.24%; Unity Bank (#33503) net interest income $64.1 million; Unity Bank (#33503) call report June 30, 2026.

Unity Bank (#33503) noncurrent real-estate loans: none reported; Unity Bank (#33503) net charge-offs on real estate 1.28%; Unity Bank (#33503) residential charge-offs 1.26%.

Unity Bank (#33503) net interest margin 4.42% against an eight-quarter Unity Bank (#33503) average of 4.30% (Unity Bank (#33503) compression -0.13 points); Unity Bank (#33503) real-estate loans 0.4% of equity; Unity Bank (#33503) non-residential real estate 126.5% of equity; Unity Bank (#33503) rate-exposure score 40/100, Unity Bank (#33503) fixed-rate trap 40/100; Unity Bank (#33503) risk type credit driven; Unity Bank (#33503) rate regime rates elevated, Unity Bank (#33503) snapshot October 19, 2026.

Unity Bank (#33503) stress score moved from 44.7 on June 22, 2026 to 46.5 on October 19, 2026; Unity Bank (#33503) ranged 44.7 to 46.5 over 116 snapshots.

Unity Bank (#33503) alerts: 9 counties; top Unity Bank (#33503) alert scores: Union County, NJ 40 (moderate); Easton County, NJ 19 (low); Fort Lee County, NJ 19 (low); Lakewood County, NJ 19 (low); Madison County, NJ 19 (low).