Unity Bank: how it compares with its peers
Against 11 NJ banks with half to twice its assets, Unity Bank's strongest measure in Q2 2026 is net interest margin (4.42% vs. a 3.21% peer median). Its weakest relative measure is assets per employee ($12.8M vs. $12.3M).
| Measure | Unity Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.91% | 0.96% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 3.21% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.25% | 59.58% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.8M | $12.3M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.49% | 98.56% | Context |
What it means for lending operations
Its efficiency ratio of 41.25% is better than the 59.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Amboy Bank Old Bridge, NJ · $3.12B
- BCB Community Bank Bayonne, NJ · $3.12B
- Manasquan Bank Manasquan, NJ · $3.59B
- Sumitomo Mitsui Trust Bank (U.S.A.) Limited Hoboken, NJ · $3.92B
- Bessemer Trust Company Woodbridge, NJ · $2.36B
- Spencer Savings Bank, SLA Elmwood Park, NJ · $4.04B
Questions about Unity Bank
How big is Unity Bank?
Unity Bank, established in 1991, is headquartered in Clinton, NJ. It reported $3.18B in total assets in its Q2 2026 FDIC call report and operates 22 offices.
What is Unity Bank's return on assets?
1.91% annualized in Q2 2026, against a 0.96% median for 11 NJ banks with half to twice its assets, ahead of 64% of them.
What is Unity Bank's efficiency ratio?
41.25% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 59.58%, and lower is better.
Is Unity Bank growing its loans?
Net loans grew 12.5% over the year to Q2 2026, while deposits grew 12.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.