Unity Bank (FDIC certificate #33503) is based in Clinton, New Jersey. Its Q2 2026 call report shows $3.2B in total assets and $2.5B in deposits and 22 offices across 2 states.
Based on its Q2 2026 filing, Unity Bank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 20th. Its strongest component is earnings (96/100; 1.91%), and its lowest is funding & liquidity (23/100; 107% loans-to-deposits, 42% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (71 → 69), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 71 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.35% |
| Q3 2024 | 11.67% |
| Q4 2024 | 11.95% |
| Q1 2025 | 12.05% |
| Q2 2025 | 12.04% |
| Q3 2025 | 12.41% |
| Q4 2025 | 12.39% |
| Q1 2026 | 12.62% |
| Q2 2026 | 12.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.84% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.58% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.78% |
| Q3 2025 | 1.85% |
| Q4 2025 | 1.88% |
| Q1 2026 | 1.90% |
| Q2 2026 | 1.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $3.2B | 12.88% | 1.23% | 1.91% | 107.5% |
| Q1 2026 | 69 | $3.0B | 12.62% | 1.18% | 1.90% | 108.0% |
| Q4 2025 | 68 | $3.0B | 12.39% | 1.17% | 1.88% | 108.1% |
| Q3 2025 | 71 | $2.9B | 12.41% | 0.84% | 1.85% | 107.6% |
| Q2 2025 | 71 | $2.9B | 12.04% | 0.78% | 1.78% | 107.3% |
| Q1 2025 | 70 | $2.8B | 12.05% | 0.77% | 1.73% | 106.6% |
| Q4 2024 | 71 | $2.6B | 11.95% | 0.61% | 1.58% | 106.4% |
| Q3 2024 | 70 | $2.6B | 11.67% | 0.59% | 1.53% | 107.1% |
| Q2 2024 | 69 | $2.6B | 11.35% | 0.58% | 1.47% | 106.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Amboy BankBank Old Bridge, NJ | 80 out of 100, Strong | $3.1B | 12.2% | 0.30% | vs |
| BCB Community BankBank Bayonne, NJ | 28 out of 100, Low | $3.1B | 10.4% | 2.85% | vs |
| Manasquan BankBank Manasquan, NJ | 59 out of 100, Moderate | $3.6B | 9.7% | 0.64% | vs |
| Sumitomo Mitsui Trust Bank (U.S.A.) LimitedBank Hoboken, NJ | 85 out of 100, Very strong | $3.9B | 12.7% | 0.00% | vs |
| Bessemer Trust CompanyBank Woodbridge, NJ | 67 out of 100, Moderate | $2.4B | 6.7% | 0.00% | vs |
| Spencer Savings Bank, SLABank Elmwood Park, NJ | 61 out of 100, Moderate | $4.0B | 11.2% | 0.58% | vs |
Deposit insurance
Is my money safe at Unity Bank?
Yes. Unity Bank is an FDIC-insured institution (FDIC certificate #33503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.1% of deposits ($1.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.88%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.52% (benchmark: 10%).
22 locations
Branches
Unity Bank lists 22 offices in 22 cities across 2 states. Most locations:
- Bethlehem, PA (1)
- Clinton, NJ (1)
- Easton, PA (1)
- Edison, NJ (1)
- Emerson, NJ (1)
- Flemington, NJ (1)
- Fort Lee, NJ (1)
- Highland Park, NJ (1)
- Lake Hiawatha, NJ (1)
- Lakewood, NJ (1)
- Linden, NJ (1)
- Madison, NJ (1)
HMDA 2025
Mortgage lending
In 2025, Unity Bank reported 450 home-loan applications under HMDA (LEI 549300FNQXUCMCVLKL76): 384 originated ($223,850,000 total), 43 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Unity Bank
- Former names
- First Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 33503
- RSSD ID
- 1890525
- Primary regulator
- FDIC
- Holding company
- Unity Bcorp Inc
- Established
- September 13, 1991
- Headquarters
- 64 Old Highway 22, Clinton, NJ 08809
- Website
- www.unitybank.com
- Employees
- 249
Quick answers
Unity Bank: common questions
Is Unity Bank FDIC insured?
Yes. Unity Bank is an FDIC-insured institution (FDIC certificate #33503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Unity Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Unity Bank ever failed?
There is no failure record for FDIC certificate #33503 in the FDIC failed bank list.
How many branches does Unity Bank have?
22 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Clinton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank and Trust Company of NewtownBank Newtown, PA | 87 out of 100, Very strong | $1.2B | 12.9% | 0.00% | vs |
| Healthcare Employees Federal Credit UnionCredit union Princeton, NJ | 86 out of 100, Very strong | $137.2M | 13.6% | 0.62% | vs |
| First Northern Bank and Trust CompanyBank Palmerton, PA | 81 out of 100, Strong | $921.5M | 15.3% | 1.16% | vs |
| B-M S Federal Credit UnionCredit union New Brunswick, NJ | 80 out of 100, Strong | $81.7M | 21.1% | 0.54% | vs |
| Amboy BankBank Old Bridge, NJ | 80 out of 100, Strong | $3.1B | 12.2% | 0.30% | vs |
| Irco Community Federal Credit UnionCredit union Phillipsburg, NJ | 78 out of 100, Strong | $93.7M | 10.1% | 0.01% | vs |