Unity Bancorp, Inc. (UNTY)

Unity Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	230.14	216.26	180.18	194.51	114.53	244.66
Investment Securities	104.87	104.99	120.68	114.76	125.47	65.3
Trading Asset Securities	0.47	0.16	0.14	0.92	1.54	0.41
Mortgage-Backed Securities	17.92	19.03	24.35	20.93	15.48	14.03
Total Investments	123.26	124.17	145.17	136.61	142.48	79.73
Gross Loans	2,773	2,535	2,248	2,154	2,079	1,622
Allowance for Loan Losses	-35.61	-32.34	-26.79	-25.85	-25.2	-22.3
Net Loans	2,737	2,503	2,222	2,128	2,053	1,600
Property, Plant & Equipment	17.87	22.72	23.38	24.77	25.6	25.11
Goodwill	1.52	1.52	1.52	1.52	1.52	1.52
Loans Held for Sale	7.59	9.49	12.16	18.24	27.93	27.37
Accrued Interest Receivable	13.7	12.9	12.69	13.58	13.4	9.59
Restricted Cash	-	0.26	0.26	0.26	0.26	0.16
Other Current Assets	59.59	18.95	3.91	3.95	6.91	4.59
Long-Term Deferred Tax Assets	16.58	14.64	14.11	12.55	12.35	10.04
Other Real Estate Owned & Foreclosed	1.47	1.47	-	-	-	-
Other Long-Term Assets	27.19	27.08	26.44	26.11	27.47	27.62
Total Assets	3,250	2,967	2,654	2,579	2,445	2,034

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	34.18	23.04	20.21	18.37	18.59	12.86
Interest Bearing Deposits	2,066	1,607	1,421	1,369	1,226	1,133
Institutional Deposits	-	251.29	238.68	135.34	67.34	96.46
Non-Interest Bearing Deposits	493.87	465.6	440.8	419.64	494.18	529.23
Total Deposits	2,559	2,324	2,100	1,924	1,788	1,759
Short-Term Borrowings	190	170	140	247	203	-
Current Portion of Leases	0.61	0.81	-	-	-	-
Accrued Interest Payable	1.9	2.14	1.7	1.92	0.69	0.13
Federal Home Loan Bank Debt, Long-Term	61.1	85.77	80.5	109.44	180	40
Long-Term Leases	3.52	4.19	4.8	5.3	5.6	5.3
Trust Preferred Securities	10.31	10.31	10.31	10.31	10.31	10.31
Other Long-Term Liabilities	0.9	0.7	0.6	0.6	-	0.51
Total Liabilities	2,862	2,621	2,358	2,317	2,206	1,828

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	107.91	105.89	103.94	100.43	97.2	94
Retained Earnings	285.15	243.94	227.33	191.11	156.96	123.04
Treasury Stock	-3.43	-3.1	-33.58	-27.37	-11.68	-11.63
Comprehensive Income & Other	-1.16	-1.1	-2.11	-2.74	-3.26	0.32
Shareholders' Equity	388.47	345.63	295.58	261.43	239.23	205.73
Total Liabilities & Equity	3,250	2,967	2,654	2,579	2,445	2,034

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	265.54	271.09	235.61	372.05	398.91	55.61
Net Cash (Debt)	-34.93	-54.67	-55.3	-176.62	-282.84	189.46
Net Cash Growth	-	-	-	-	-	5467.44%
Net Cash Per Share	-3.42	-5.35	-5.42	-17.08	-26.42	17.97
Filing Date Shares Outstanding	10.07	10.02	10.06	10.14	10.59	10.46
Total Common Shares Outstanding	10.07	9.98	10.03	10.06	10.58	10.39
Book Value Per Share	38.58	34.63	29.48	25.98	22.60	19.80
Tangible Book Value	386.96	344.12	294.07	259.91	237.71	204.21
Tangible Book Value Per Share	38.43	34.47	29.33	25.83	22.46	19.65

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 13, 2026

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