Total Assets
$3.0B
Total balance-sheet footings
FDIC Cert #33503 · Clinton, New Jersey · Est. 1991
Unity Bank - FDIC Bank Health Profile
A community-scale look at Unity Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.0B
- Total assets
- A
- Health grade · Excellent
- 1.88%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
Unity Bank earns a PlainBankData health grade of A (91/100), with well-capitalized at 14.45% Tier 1, profitable at 1.88% ROA, efficient (42% cost ratio).
- #430
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 14.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 88th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Unity Bank's 91/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Unity Bank's composite health score
Tier 1 Capital Ratio (14.45%) 35/40
Return on Assets (ROA) (1.88%) 25/25
Texas Ratio (7.90%) 16/20
Efficiency Ratio (41.57%) 15/15
91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$2.5B
Outstanding loan book
Net Income
$53M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Unity Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Unity Bank's score of 91/100 falls in the highlighted band.
Unity Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Unity Bank's $3.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.45%
Texas Ratio
7.90%
Equity Capital
$345M
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.88%
Return on Equity (ROE)
16.56%
Efficiency Ratio
41.57%
What the numbers say about Unity Bank
Unity Bank is an FDIC-insured institution (Certificate #33503) headquartered in Clinton, New Jersey, established in 1991. It holds $3.0B in total assets - 430th of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $2.5B in net loans. Its capital position: a Tier 1 ratio of 14.45%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.90% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (91 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Unity Bank sits in the top decile of all FDIC-insured institutions by asset size (430th of 4,313), and within New Jersey it ranks 14th of 51 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Amboy Bank, at $2.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$176M
Interest Income
$7M
Non-Interest Income
$53M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Unity Bank reports a Texas Ratio of 7.90% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.90% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Unity Bank (FDIC Cert #33503) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is Unity Bank's health grade?▼
Unity Bank receives a health grade of A (91/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Unity Bank?▼
Unity Bank holds $3.0B in total assets and $2.3B in deposits, ranking 430th of 4,313 FDIC-insured banks by asset size. It is headquartered in Clinton, New Jersey.
Is my money safe at Unity Bank?▼
Yes, deposits at Unity Bank (Certificate #33503) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Unity Bank's Tier 1 Capital Ratio?▼
Unity Bank has a Tier 1 Capital Ratio of 14.45%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Unity Bank?▼
Unity Bank has a Texas Ratio of 7.90%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Unity Bank?▼
Unity Bank has an Efficiency Ratio of 41.57%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Unity Bank's profile as a depositor or analyst.
- Unity Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Unity Bank against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.