Welcome to our dedicated page for Unity Bancorp SEC filings (Ticker: UNTY), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Parsing Unity Bancorp’s regulatory paperwork isn’t simple. The bank’s 10-K digs into community-bank loan concentrations, SBA exposure, and deposit mix across New Jersey and Pennsylvania branches, while every 8-K flags shifts in credit quality or capital ratios. For anyone googling “Unity Bancorp SEC filings explained simply” or “Unity Bancorp 8-K material events explained,” the sheer volume of footnotes and Basel III references can feel overwhelming.
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Unity Bancorp, Inc. reported a change to the deferred compensation plan of its subsidiary, Unity Bank. Effective December 18, 2025, when an eligible participant chooses to receive deferred compensation benefits in ten equal annual installments instead of a lump sum, the interest credited on the account will be based on a variable annual rate. This rate will equal the Prime Rate for the previous anniversary date plus 1.0%, with a minimum of 4.0% and a maximum of 10.0%.
Before this change, the interest rate was fixed as of the participant’s termination of service. Each installment will continue to consist of one-tenth of the deferral account balance determined at termination, plus accrued and unpaid interest. All other terms of the deferred compensation plan remain in effect.
Unity Bancorp Inc reported that a director exercised stock options for 3,300 shares of common stock at $22.57 per share on 12/11/2025, then sold 3,300 shares of common stock at $54.5 per share the same day. After these transactions, the director directly owned 18,479 shares of common stock and 4,875 shares of restricted stock, for total beneficial ownership of 23,354 shares.
The 18,479 common shares consist of 17,390 shares held in a Shareworks account and 1,089 shares held in a brokerage account, while the 4,875 restricted shares are held at Computershare with upcoming vesting dates. The stock option exercised carried a $22.57 exercise price, related to 3,300 underlying common shares, and now shows 0.00 derivative securities beneficially owned with an expiration date of 01/02/2030.
Unity Bancorp Inc. reported insider share activity by its Chief Credit Officer and Senior Vice President. On 12/09/2025, 159 restricted shares were withheld at $52.50 per share to cover tax liabilities on the vesting of 438 restricted shares. On 12/10/2025, an additional 91 restricted shares were withheld at $54.43 per share to cover taxes on 250 restricted shares vesting.
After these transactions, the officer holds restricted shares in Computershare accounts with upcoming vesting dates and dividend reinvested shares, as well as 1,251 shares in a Shareworks account. The remarks state a total beneficial ownership amount of 4,891, reflecting the officer’s post-transaction holdings in Unity Bancorp equity.
Unity Bancorp Inc.’s Chief Information Officer/SVP reported insider equity activity involving restricted stock used to cover tax withholding. On 12/09/2025, 138 restricted shares were withheld at $52.50 per share, and on 12/10/2025, 144 restricted shares were withheld at $54.43 per share, each tied to vesting restricted stock awards.
After these transactions, the officer reports holding 4,025 and 3,500 restricted shares in Computershare accounts with upcoming vesting dates, plus 11,027 common shares in a Shareworks account. The filing also discloses 13,000 stock options that are currently exercisable and states total beneficial ownership of 27,527 shares.
Unity Bancorp Inc. officer and Chief Lending Officer/FSVP reported an insider transaction involving vested restricted stock. On 12/09/2025, 500 restricted shares vested, and 138 shares were withheld at $52.50 per share to cover tax liability, coded as a disposition (Code F). After this tax withholding, the officer beneficially owns 4,587 Unity Bancorp shares, consisting of 4,225 restricted shares held at Computershare with upcoming vesting dates and 362 shares held in an account at Shareworks.
Unity Bancorp Inc. officer and Controller/SVP reported an insider equity transaction related to vesting restricted stock. On 12/09/2025, 91 shares of restricted stock were withheld at $52.50 per share to cover tax liabilities on 250 restricted shares vesting.
After this transaction, the officer beneficially owns a total of 4,387 Unity Bancorp shares, including 2,805 shares held through Computershare accounts with upcoming vesting dates and dividend reinvestments, and 1,582 common shares held through Shareworks and a brokerage account. The filing is made by a single reporting person in their capacity as an officer of the company.
Unity Bancorp Inc. (UNTY) director Form 4 filing reports updated ownership. On 11/25/2025, the reporting person acquired 1,241 shares of common stock at $10.97 per share. A related transaction involved stock options with a $10.97 exercise price covering 1,600 shares of common stock.
After these transactions, the director beneficially owns 42,738 shares of common stock held directly and through accounts, plus 4,875 restricted shares with upcoming vesting dates and 18,400 stock options that are currently exercisable. This results in total reported beneficial ownership of 66,013 shares of Unity Bancorp equity.
Unity Bancorp, Inc. appointed George Boyan as President of both the company and its subsidiary Unity Bank, effective January 1, 2026. He will also join the Boards of Directors of both entities, expanding each board from nine to ten members, after previously serving as Executive Vice President and Chief Financial Officer.
James Hughes will remain Chief Executive Officer of Unity Bancorp and Unity Bank and will continue as a director, so overall leadership continuity is maintained. In addition, James Davies will become Chief Financial Officer and serve as Principal Financial Officer and Principal Accounting Officer effective January 1, 2026, moving up from his current role as Senior Vice President and Controller. The company states there are no related party transactions or new material compensation arrangements tied to these promotions.
Unity Bancorp, Inc. announced a cash dividend for its common shareholders. The company declared a dividend of $0.15 per share, reinforcing its practice of returning cash to shareholders. The dividend will be paid on December 19, 2025 to shareholders who are on record as of December 5, 2025. The announcement was made through a press release issued on November 20, 2025, which is included as an exhibit to this report.
Unity Bancorp (UNTY) reported higher Q3 2025 earnings. Net income rose to $14.4 million, with diluted EPS of $1.41, up from $1.07 a year ago. Net interest income increased to $29.9 million as loan interest rose across commercial and residential portfolios, while total interest expense held roughly flat.
The company recorded a $1.4 million loan loss provision and a $0.8 million release on securities for the quarter, contributing to net interest income after credit provisions of $29.3 million. Noninterest income was $3.0 million, aided by securities gains and mortgage/SBA sales, while operating expenses rose to $13.4 million on higher compensation and processing costs.
On the balance sheet, total assets reached $2.88 billion. Loans grew to $2.47 billion and deposits to $2.27 billion. Shareholders’ equity increased to $334.0 million, and accumulated other comprehensive loss improved. Shares outstanding were 10.041 million at quarter end; 10,039,444 were outstanding as of October 31, 2025.
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