BlastPoint's Banking Scorecard
Unity Bank
Designations: ✓ Community bank
Clinton, NJ
22 branches across NJ · PA
Unity Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.15% below tier average
- + ROA 0.53% above tier average
- + Net Interest Margin 0.61% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 23.75% above tier average
- - Delinquency Rate 0.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+9.3% YoY
+2.0% QoQ
|
+$200.5M |
$2.8B
-0.1% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$2.6B
+10.8% YoY
+2.2% QoQ
|
+$605.0M |
$2.0B
+0.6% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$2.4B
+9.4% YoY
+2.4% QoQ
|
+$37.1M |
$2.3B
-0.3% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.90%
+9.6% YoY
+1.2% QoQ
|
+0.53% |
1.37%
+19.6% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Top 13.7% in tier |
| Net Interest Margin ? |
4.43%
+2.1% YoY
+0.1% QoQ
|
+0.61% |
3.82%
+6.9% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
Top 13.8% in tier |
| Efficiency Ratio ? |
41.91%
-2.6% YoY
+0.8% QoQ
|
-19.15% |
61.06%
-4.6% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
Top 8.4% in tier |
| Delinquency Rate ? |
1.20%
+54.2% YoY
+0.7% QoQ
|
+0.31% |
0.89%
+14.1% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
107.96%
+1.3% YoY
-0.2% QoQ
|
+23.75% |
84.20%
+0.3% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.01%
-9.0% YoY
-5.2% QoQ
|
-2.28% |
21.29%
-2.5% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.07%
+54.0% YoY
+0.8% QoQ
|
+0.39% |
0.67%
+15.6% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
14.51%
+3.8% YoY
+0.4% QoQ
|
-0.65% |
15.16%
+2.0% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.07%
+38.7% YoY
-69.6% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
19% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.