BlastPoint's Banking Scorecard
Unity Bank
Designations: ✓ Community bank
Clinton, NJ
22 branches across NJ · PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
- Deposits +12.3% year over year ($2.5B on the books).
- Delinquency rate 1.25%.
- Return on assets 1.91%.
- Efficiency ratio 41.25% vs a 59.73% peer average.
- Loan-to-deposit ratio 107.49% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Unity Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.48% below tier average
- + ROA 0.52% above tier average
- + Net Interest Margin 0.55% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.46% above tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+9.0% YoY
+5.6% QoQ
|
+$390.9M |
$2.8B
-0.6% YoY
|
$4.4B
+7.9% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$2.6B
+12.5% YoY
+3.1% QoQ
|
+$686.2M |
$2.0B
-0.3% YoY
|
$3.3B
+6.8% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$2.5B
+12.3% YoY
+3.5% QoQ
|
+$145.9M |
$2.3B
-0.5% YoY
|
$3.6B
+8.2% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
1.91%
+7.1% YoY
+0.5% QoQ
|
+0.52% |
1.39%
+17.0% YoY
|
0.53%
-11.1% YoY
|
1.30%
+12.1% YoY
|
Top 14.9% in tier |
| Net Interest Margin ? |
4.42%
+2.4% YoY
-0.2% QoQ
|
+0.55% |
3.87%
+6.2% YoY
|
3.11%
+4.3% YoY
|
3.95%
+4.9% YoY
|
85% |
| Efficiency Ratio ? |
41.25%
-3.3% YoY
-1.6% QoQ
|
-18.48% |
59.73%
-12.6% YoY
|
78.52%
+3.6% YoY
|
70.05%
+2.5% YoY
|
Top 8.5% in tier |
| Delinquency Rate ? |
1.25%
+56.8% YoY
+4.3% QoQ
|
+0.38% |
0.87%
+11.7% YoY
|
0.69%
-16.2% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
107.49%
+0.2% YoY
-0.4% QoQ
|
+22.46% |
85.04%
-0.1% YoY
|
81.90%
-3.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.85%
-7.6% YoY
+4.5% QoQ
|
-1.42% |
21.27%
-1.5% YoY
|
16.56%
-0.1% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.08%
+69.0% YoY
+1.5% QoQ
|
+0.41% |
0.67%
+11.7% YoY
|
0.61%
-0.3% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
14.27%
+3.0% YoY
-1.7% QoQ
|
-0.58% |
14.84%
-0.4% YoY
|
19.31%
+2.7% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.13%
+18.6% YoY
+85.7% QoQ
|
-0.39% |
0.53%
+2.5% YoY
|
0.77%
-2.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.9%
-1.6pp YoY +0.8pp QoQ |
-1.5pp | 21.4% | 16.6% | 22.2% | 50% |
| Brokered Deposits |
12.2%
+1.4pp YoY +0.9pp QoQ |
+2.8pp | 9.5% | 10.1% | 8.5% | 75% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.2%
+0.3pp YoY +0.1pp QoQ |
-9.8pp | 14.0% | 6.5% | 12.5% | 15% |
| CRE |
67.1%
+3.4pp YoY +0.5pp QoQ |
+17.1pp | 50.0% | 56.3% | 41.4% | 85% |
| 1-4 Family |
29.8%
-3.6pp YoY -0.7pp QoQ |
+3.4pp | 26.4% | 39.4% | 31.3% | 65% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 4.3% | 5.0% | 11% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.3%
+0.4pp YoY -0.2pp QoQ |
-1.3pp | 15.6% | 18.8% | 19.7% | 62% |
| Leverage Ratio |
12.9%
+0.8pp YoY +0.3pp QoQ |
+1.6pp | 11.3% | 13.4% | 12.6% | 84% |
| Total Capital Ratio |
15.5%
+0.4pp YoY -0.2pp QoQ |
-1.2pp | 16.7% | 19.8% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
249
+12 (+5.1%) YoY +5 (+2.0%) QoQ |
-65 | 313 | 336 | 482 | 55% |
| Assets per Employee ($) |
$12.8M
+3.8% YoY +3.5% QoQ |
+$2.3M | $10.5M | $11.2M | $8.8M | 82% |
| Branch Count |
22
+1 (+4.8%) YoY 0 QoQ |
+2 | 20 | 20 | 18 | 70% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.2%
+0.6pp YoY +0.1pp QoQ |
+0.4pp | 0.8% | 0.8% | 1.0% | 80% |
| Allowance Coverage |
1.05x
-32.5% YoY -3.6% QoQ |
-17.66x | 18.71x | 6.57x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.2%
+0.2pp YoY +0.1pp QoQ |
+3.6pp | 12.6% | 6.4% | 11.6% | 80% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.9% | 1.7% | 58% |
| Net Income ($, YTD) |
$29.1M
+17.8% YoY — QoQ |
+$9.9M | $19.2M | $19.8M | $40.4M | 82% |
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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.