Unity Bank
Clinton, NJ
IDRSSD: 1890525
Total Assets
$2.87B
Latest filing
Total Deposits
$2.27B
Latest filing
Net Interest Margin
4.43%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Unity Bank
64 Old Highway 22
Clinton, NJ 08809
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/13/1991FDIC Certificate 47251
Branches (21)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Unity Bank (Main) | 64 Old Highway 22 | Clinton, NJ |
| NORTH PLAINFIELD BRANCH | 450 Somerset St | North Plainfield, NJ |
| FLEMINGTON BRANCH | 157 Main St | Flemington, NJ |
| SCOTCH PLAINS TOWNSHIP BRANCH | 2222 South Avenue | Scotch Plains Township, NJ |
| UNION BRANCH | 945 Stuyvesant Ave | Union, NJ |
| LINDEN BRANCH | 628 N Wood Ave | Linden, NJ |
| EDISON BRANCH | 1746 Oak Tree Rd | Edison, NJ |
| SOUTH PLAINFIELD BRANCH | 2426 Plainfield Ave | South Plainfield, NJ |
Showing 7 of 21
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/13/1991 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 08809 |
| State and County Number | 34019 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 237 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/13/1991 |
| Primary Insurance Agency | DIF |
| Website | www.unitybank.com |
| Data Updated | 11/14/2025 |
| CERT | 33503 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.87B |
| Total Deposits | $2.27B |
| Total Liabilities | $2.53B |
| Total Equity Capital | $334.83M |
| Net Income | $14.09M |
| Net Loans and Leases | $2.44B |
| Assets Per Employee ($Millions) | $12.04M |
| Bank Premises and Fixed Assets | $19.88M |
| Cash and Balances due from Depository Institutions | $203.36M |
| Deposits Held in Domestic Offices | $2.27B |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 17.32% |
| Net Interest Margin | 4.43% |
| Efficiency Ratio | 41.56% |
| Tier 1 Risk-Based Capital Ratio | 14.395% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.683% |
| Earning Assets to total Assets | 95.85% |
Income and Expense
| Total Interest Income | $44.84M |
| Total Noninterest Income | $1.97M |
| Total Interest Expense | $14.37M |
| Total Noninterest Expense | $13.48M |
| Net Interest Income | $30.46M |
| Pre-tax Net Operating Income | $18.41M |
| Provision for Credit Losses | $541.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $231.71M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $31.47M |
| Total Liabilities and Capital | $2.87B |
Securities
| Securities | $124.86M |
| Available-for-sale debt securities | $82.06M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $36.51M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Unity Bank?
$2.87B as of the latest filing.
How much are Unity Bank's total deposits?
$2.27B in total deposits.
Where is Unity Bank located?
Clinton, NJ.
What is the Net Interest Margin?
4.43%.
How many domestic offices does it operate?
21.
When was it established?
09/13/1991.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$2.44B (latest filing).
What is the total interest income (latest filing)?
$44.84M.