Unity Bank
Clinton, New Jersey · FDIC Cert #33503
Unity Bank is an FDIC-insured bank (Certificate #33503) with $2.6B in total assets and $2.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Clinton, New Jersey, the bank maintains a Tier 1 capital ratio of 13.42% (Well-Capitalized) and a nonperforming loan ratio of 0.58%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Unity Bank (FDIC cert 33503) is a mid-sized bank with $2.6B in total assets and $2.0B in deposits, based in Clinton, New Jersey. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.42% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.58% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 13.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.96% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Unity Bank carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Unity Bank
- Total Assets
- $2.6B
- Total Deposits
- $2.0B
- Tier 1 Capital Ratio
- 13.42%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.58%
- Liquidity Ratio
- 13.07%
- Return on Assets
- 1.96%
- Headquarters
- Clinton, New Jersey
- FDIC Certificate
- #33503
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Unity Bank holds a Tier 1 capital ratio of 13.42%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Unity Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Unity Bank shows strong financial health indicators. With $2.6B in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Unity Bank Compares
Unity Bank’s Health Score of 75 is 3 points above the New Jersey state average of 72 across 48 FDIC-insured banks. Its 13.42% Tier 1 capital ratio is 0.6 points below the US banking industry average near 14%. The 0.58% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.96% is in line with or above the national ROA benchmark of ~1.1%. Among 503 similarly-sized banks, the average Health Score is 72, meaning this bank ranks above its size cohort. Site-wide, Unity Bank is 5 points above the portfolio average of 70.
Frequently Asked Questions
Unity Bank has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.42%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Unity Bank's Tier 1 capital ratio of 13.42% and nonperforming loan ratio of 0.58% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Unity Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33503). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Unity Bank holds $2.6B in total assets and $2.0B in total deposits. It is headquartered in Clinton, New Jersey (FDIC Certificate #33503).
Unity Bank has a Tier 1 capital ratio of 13.42%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.58%, and the return on assets is 1.96%.
Yes. Unity Bank is FDIC-insured (Certificate #33503). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Unity Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.