BlastPoint's Banking Scorecard
Unity Bank
Community
Specialty: Commercial
NJ
FDIC cert 33503
Clinton, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Unity Bank shows strong momentum with 3 strengths and 11.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 36% in Community
- + Efficiency Ratio 21.06% below tier
- + Loan-to-Deposit Ratio 25.08% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+11.7% YoY
+3.1% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$2.5B
+12.5% YoY
+3.0% QoQ
|
+$1.5B |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2.3B
+10.7% YoY
+2.5% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.88%
+18.7% YoY
+1.4% QoQ
|
+0.71% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.43%
+8.9% YoY
+1.3% QoQ
|
+0.76% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
41.57%
-9.4% YoY
-1.7% QoQ
|
-21.06% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
1.19%
+91.6% YoY
+38.8% QoQ
|
+0.56% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
108.14%
+1.6% YoY
+0.5% QoQ
|
+25.08% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.05%
-4.5% YoY
+1.5% QoQ
|
-1.00% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.06%
+77.3% YoY
+45.4% QoQ
|
+0.56% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
14.45%
+2.3% YoY
+0.4% QoQ
|
+4.20% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.23%
-1.4% YoY
+28.5% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#136 of 371 · Top 36% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.88%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
41.57%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
108.14%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Loan-to-Deposit Ratio
Current: 108.14% · Tier avg: 83.06%
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
94
94th pctile
Efficiency Ratio
Current: 41.57% · Tier avg: 62.63%
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 10.24%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.05% · Tier avg: 21.05%
21
21th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.63%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.05% · Tier avg: 21.05%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 10.24%
85
85th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.66%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
94
94th pctile
Efficiency Ratio
Current: 41.57% · Tier avg: 62.63%
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
96
96th pctile
Loan-to-Deposit Ratio
Current: 108.14% · Tier avg: 83.06%