Here are the 10-K annual reports from Unity Bancorp (UNTY) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow UNTY and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full UNTY filings page.
Unity Bancorp, Inc. filed its annual report describing a community-focused commercial banking business centered on New Jersey and eastern Pennsylvania, with most revenue from net interest income. The bank emphasizes small and mid-sized business customers and relies heavily on real estate lending and core deposits for funding.
As of December 31, 2025, about 96% of loans were secured by real estate and commercial real estate, including construction, represented 56.6% of the loan portfolio. The allowance for credit losses was $32.3 million, or 1.27% of total loans and 108.40% of nonaccrual loans. Time deposits totaled $882.9 million, 38.0% of deposits, with 21.7% of deposits uninsured or uncollateralized.
The report highlights extensive regulatory oversight, capital rules under Basel III, and concentration risk in commercial real estate and SBA lending. It also outlines risks from interest rates, liquidity, competition (including fintech, stablecoins and potential public banking), cybersecurity, climate events, pandemics, artificial intelligence, and evolving laws and regulations.