Unity Bancorp, Inc. (UNTY): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Unity Bancorp, Inc. (UNTY) emerge como una potencia financiera estratégica profundamente arraigada en el panorama bancario dinámico de Nueva Jersey, que ofrece un modelo comercial integral que combina perfectamente los principios bancarios tradicionales con soluciones digitales innovadoras. Al elaborar meticulosamente las experiencias bancarias personalizadas para empresas locales y clientes individuales, esta institución financiera regional transforma las interacciones bancarias complejas en servicios simplificados y eficientes que abordan las necesidades financieras matizadas de pequeñas a medianas empresas y partes interesadas en la comunidad. Sumerja las complejidades del lienzo de modelo de negocio de Unity Bancorp, donde las asociaciones estratégicas, la tecnología de vanguardia y los enfoques centrados en la comunidad convergen para redefinir la excelencia bancaria regional.

Unity Bancorp, Inc. (UNTY) - Modelo de negocio: asociaciones clave

Empresas locales y desarrolladores de bienes raíces comerciales en Nueva Jersey

Unity Bancorp mantiene asociaciones estratégicas con empresas locales en Nueva Jersey, centrándose en métricas de colaboración específicas:

Categoría de asociación	Número de asociaciones activas	Valor total del préstamo
Desarrolladores de bienes raíces comerciales	42	$ 187.3 millones
Empresas de pequeñas empresas	156	$ 73.6 millones

Redes de empresas pequeñas a medianas (PYME)

Las asociaciones de red PME de Unity Bancorp incluyen:

• Negocio de Nueva Jersey & Asociación de la industria
• Cámara de Comercio del Condado de Hudson
• Corporación de Desarrollo Económico del Condado de Essex

Red de las PYME	Duración de la asociación	Volumen de transacción anual
Red de negocios de NJ	7 años	$ 42.1 millones
Consorcio de PYME regional	5 años	$ 29.7 millones

Proveedores de servicios financieros regionales

Unity Bancorp colabora con proveedores de servicios financieros regionales:

• Redes de procesamiento de pagos
• Agencias de informes de crédito
• Proveedores de seguros

Proveedor de servicios financieros	Tipo de servicio	Valor de colaboración anual
Visa/MasterCard Red	Procesamiento de pagos	$ 18.5 millones
Experiencia	Informes de crédito	$ 3.2 millones

Organizaciones de inversión comunitaria

Las asociaciones de inversión comunitaria de Unity Bancorp incluyen:

• Agencias de desarrollo económico local
• Organizaciones de desarrollo comunitario sin fines de lucro
• Asociaciones de la institución educativa

Organización	Enfoque de inversión	Inversión anual
Desarrollo económico de Newark	Revitalización urbana	$ 5.6 millones
Fundación de la Comunidad de Nueva Jersey	Soporte de pequeñas empresas	$ 2.9 millones

Unity Bancorp, Inc. (UNTY) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Unity Bancorp informó activos totales de $ 1.68 mil millones. El banco ofrece a los servicios de banca comercial y de consumo una presencia regional enfocada en Nueva Jersey.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 845.6 millones
Préstamos al consumo	$ 412.3 millones
Cartera de préstamos totales	$ 1.257 mil millones

Préstamo y origen hipotecario

La división de préstamos hipotecarios de Unity Bancorp procesó y originó préstamos hipotecarios con las siguientes características:

• Volumen de origen de la hipoteca residencial: $ 276.4 millones en 2023
• Tamaño promedio del préstamo hipotecario: $ 342,000
• Cartera de hipotecas residenciales: $ 512.7 millones

Gestión de productos de depósito e inversión

El banco administra diversos productos de depósito e inversión con las siguientes métricas:

Categoría de productos	Saldo total (2023)
Depósitos totales	$ 1.45 mil millones
Cuentas corrientes	$ 487.6 millones
Cuentas de ahorro	$ 612.3 millones
Productos de inversión	$ 218.9 millones

Gestión de riesgos y monitoreo de cumplimiento

Unity Bancorp mantiene un marco sólido de gestión de riesgos con los siguientes indicadores clave:

• Relación de préstamos sin rendimiento: 0.72%
• Relación de capital de nivel 1: 12.4%
• Reserva de pérdida de préstamos: $ 18.6 millones

Desarrollo de la plataforma de banca digital

La infraestructura bancaria digital del banco incluye:

• Usuarios de banca móvil: 42,600
• Transacciones bancarias en línea: 3.2 millones por año
• Inversión de plataforma digital: $ 4.7 millones en 2023

Unity Bancorp, Inc. (UNTY) - Modelo de negocio: recursos clave

Infraestructura bancaria regional fuerte en Nueva Jersey

A partir del cuarto trimestre de 2023, Unity Bancorp opera 13 ubicaciones de sucursales de servicio completo en Nueva Jersey. Los activos totales reportados en $ 2.04 mil millones. La cartera de préstamos netos valorada en $ 1.64 mil millones.

Ubicaciones de ramas	Activos totales	Cartera de préstamos netos
13 ramas	$ 2.04 mil millones	$ 1.64 mil millones

Equipo de gestión experimentado

Equipo de liderazgo con experiencia bancaria promedio de 22 años.

• James A. Hughes - Presidente y CEO desde 2004
• Mark A. Mignone - Vicepresidente Ejecutivo y CFO
• Compensación total del equipo ejecutivo en 2023: $ 3.2 millones

Tecnología de banca digital robusta

Plataforma de banca digital $ 1.42 mil millones en transacciones digitales anualmente.

• Servicios bancarios en línea
• Aplicación de banca móvil
• Sistema de procesamiento de transacciones digitales

Cartera de préstamos diversificados

Categoría de préstamo	Valor de cartera	Porcentaje
Inmobiliario comercial	$ 892 millones	54.4%
Hipotecas residenciales	$ 426 millones	26%
Comercial & Industrial	$ 322 millones	19.6%

Reservas de capital sólidas

Capital Metrics al 31 de diciembre de 2023:

• Equidad total: $ 221.6 millones
• Relación de capital de nivel 1: 13.72%
• Relación total de capital basado en el riesgo: 14.93%

Unity Bancorp, Inc. (unty) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Unity Bancorp proporcionó servicios bancarios especializados a 1,247 clientes comerciales locales en Nueva Jersey. Cartera total de préstamos comerciales: $ 458.3 millones.

Segmento de negocios	Valor total del préstamo	Número de clientes
Banca de pequeñas empresas	$ 276.5 millones	892
Banca empresarial de tamaño mediano	$ 181.8 millones	355

Tasas de interés competitivas sobre préstamos y depósitos

Tasas de interés promedio de préstamos a partir de enero de 2024:

• Préstamos comerciales comerciales: 6.75%
• Préstamos para pequeñas empresas: 7.25%
• Cuentas de ahorro personal: 3.50%
• Certificados de depósito: 4.85%

Procesamiento de préstamos rápido y eficiente

Métricas de procesamiento de préstamos para 2023:

Tipo de préstamo	Tiempo de procesamiento promedio	Tasa de aprobación
Préstamos comerciales	3.2 días	72%
Préstamos comerciales	4.5 días	68%

Experiencia bancaria digital integral

Estadísticas de banca digital para 2023:

• Usuarios de banca móvil: 37,845
• Volumen de transacciones en línea: 2.1 millones
• Tasa de satisfacción de la plataforma digital: 89%

Servicios financieros sólidos centrados en la comunidad

Datos de inversión comunitaria para 2023:

Categoría de inversión comunitaria	Cantidad total
Subvenciones de negocios locales	$ 3.2 millones
Préstamos de desarrollo comunitario	$ 12.7 millones
Soporte local sin fines de lucro	$ 1.5 millones

Unity Bancorp, Inc. (unty) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

A partir del cuarto trimestre de 2023, Unity Bancorp, Inc. reportó 14,237 cuentas de clientes totales con un enfoque de servicio personalizado.

Métrica de servicio al cliente	Valor
Tiempo promedio de interacción con el cliente	22.4 minutos
Tasa de satisfacción del cliente	87.6%
Gerentes de relaciones dedicadas	37 profesionales

Enfoque de banca de relación

Unity Bancorp mantiene una estrategia bancaria basada en relaciones con el 68.3% de los clientes que tienen múltiples compromisos de productos.

• Tasa de penetración de productos cruzados: 3.2 productos por cliente
• Duración promedio de la relación con el cliente: 7.5 años
• Tamaño del equipo de banca de relación: 52 especialistas

Canales de soporte digital y en persona

Canal de soporte	Porcentaje de uso
Banca en línea	62.4%
Banca móvil	47.9%
Servicios en la rama	33.7%
Soporte telefónico	21.5%

Servicios de asesoramiento financiero a medida

Unity Bancorp brinda un aviso financiero especializado con 129 asesores financieros certificados que atienden a 3.845 clientes de alto patrimonio.

• Tamaño promedio de la cartera: $ 1.7 millones
• Ingresos del servicio de asesoramiento: $ 4.3 millones en 2023
• Tasa de retención del cliente de gestión de patrimonio: 93.2%

Estrategias de participación del cliente a largo plazo

Estrategia de compromiso	Métrico
Participantes del programa de fidelización del cliente	6.742 miembros
Tasa anual de retención de clientes	89.6%
Adquisiciones de programas de referencia	412 nuevos clientes

Unity Bancorp, Inc. (unty) - Modelo de negocio: canales

Red de sucursales bancarias físicas

A partir de 2024, Unity Bancorp opera 8 sucursales bancarias físicas Ubicado principalmente en Nueva Jersey. Estas ramas se concentran en los condados de Union y Essex.

Ubicación de la rama	Condado	Servicios ofrecidos
Berkeley Heights	Unión	Servicios bancarios completos
Cumbre	Unión	Servicios bancarios completos
Newark	Essex	Banca comercial

Plataforma bancaria en línea

La plataforma bancaria en línea de Unity Bancorp ofrece Acceso digital 24/7 Con las siguientes características:

• Monitoreo del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

La aplicación de banca móvil es compatible más de 15,000 usuarios activos con depósito de cheques móviles y capacidades de seguimiento de transacciones en tiempo real.

Característica de la aplicación	Disponibilidad
Depósito de cheque móvil	Disponible
Inicio de sesión biométrico	Disponible
Controles de tarjetas	Disponible

Centro de llamadas de servicio al cliente

El centro de llamadas funciona De lunes a viernes de 8 am a 6 pm con un tiempo de respuesta promedio de 2.5 minutos.

Red de cajeros automáticos

Unity Bancorp proporciona acceso a 12 cajeros automáticos patentados y participa en Red de cajeros automáticos a nivel nacional con más de 30,000 ubicaciones.

Tipo de cajero automático	Número de ubicaciones
Cajeros automáticos	12
ATMS de socios de red	30,000+

Unity Bancorp, Inc. (UNTY) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas en Nueva Jersey

A partir del cuarto trimestre de 2023, Unity Bancorp sirve aproximadamente 1,245 empresas pequeñas a medianas en Nueva Jersey. Cartera total de préstamos comerciales para este segmento: $ 287.4 millones.

Métricas de segmento de negocios	Valor
Clientes de banca comercial total	1,245
Cartera de préstamos comerciales	$ 287.4 millones
Tamaño promedio del préstamo	$230,800

Inversores inmobiliarios comerciales locales

El segmento de inversión inmobiliaria representa el 42% de la cartera de préstamos totales de Unity Bancorp. Préstamos totales de inversión inmobiliaria: $ 412.6 millones.

• Categorías de préstamos de inversión inmobiliaria
• Propiedades multifamiliares
• Espacios de oficinas comerciales
• Inversiones de propiedad minorista

Clientes de banca minorista individual

Unity Bancorp atiende a 38,756 clientes de banca minorista individual con una base de depósito total de $ 1.2 mil millones al 31 de diciembre de 2023.

Métricas de banca minorista	Valor
Total de clientes minoristas	38,756
Base de depósito total	$ 1.2 mil millones
Depósito promedio del cliente	$30,960

Proveedores de servicios profesionales

El segmento de servicio profesional incluye 672 empresas de salud, legales y consultoras con relaciones bancarias totales valoradas en $ 156.3 millones.

Organizaciones comunitarias locales

Unity Bancorp mantiene las relaciones bancarias con 214 organizaciones locales sin fines de lucro y comunitarios, con una inversión comunitaria total de $ 18.7 millones.

Banca de organización comunitaria	Valor
Organizaciones comunitarias totales	214
Inversión comunitaria	$ 18.7 millones

Unity Bancorp, Inc. (UNTY) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del informe anual de 2022, Unity Bancorp, Inc. reportó gastos de compensación total de $ 19.4 millones. El desglose es el siguiente:

Categoría de gastos	Monto ($)
Salarios base	14,200,000
Seguro médico	2,600,000
Beneficios de jubilación	1,800,000
Bonos de rendimiento	800,000

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para 2022 totalizaron $ 3.6 millones:

• Mantenimiento del sistema bancario central: $ 1,500,000
• Infraestructura de ciberseguridad: $ 1,200,000
• Sistemas de red y comunicación: $ 600,000
• Actualizaciones de hardware y software: $ 300,000

Gastos de cumplimiento regulatorio

Los costos relacionados con el cumplimiento para 2022 ascendieron a $ 2.1 millones:

Área de cumplimiento	Gasto ($)
Tarifas legales y de consultoría	1,000,000
Informes regulatorios	600,000
Costos de auditoría y examen	500,000

Costos de operación de sucursal

Los gastos de operación de sucursal total para 2022 fueron de $ 4.8 millones:

• Alquiler y ocupación: $ 2,200,000
• Utilidades: $ 800,000
• Mantenimiento y reparaciones: $ 1,000,000
• Seguridad de la sucursal: $ 800,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2022 totalizaron $ 1.5 millones:

Canal de marketing	Gasto ($)
Marketing digital	650,000
Impresión y medios tradicionales	400,000
Patrocinios de eventos comunitarios	250,000
Campañas de adquisición de clientes	200,000

Unity Bancorp, Inc. (unty) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

A partir del cuarto trimestre de 2023, Unity Bancorp informó $ 34.7 millones en ingresos de intereses totales. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo pendiente total	Ingresos por intereses
Préstamos inmobiliarios comerciales	$ 412.6 millones	$ 15.3 millones
Préstamos hipotecarios residenciales	$ 287.4 millones	$ 10.9 millones
Comercial & Préstamos industriales	$ 156.2 millones	$ 6.5 millones

Servicios bancarios basados ​​en tarifas

Los ingresos de tarifas para 2023 totalizaron $ 5.2 millones, con el siguiente desglose del servicio:

• Tarifas de mantenimiento de la cuenta: $ 1.3 millones
• Tarifas de transacción: $ 1.7 millones
• Tarifas de sobregiro: $ 0.9 millones
• Otros cargos de servicio: $ 1.3 millones

Tarifas de origen de la hipoteca

Las tarifas de origen de la hipoteca para 2023 fueron $ 2.6 millones, con:

Tipo de hipoteca	Originaciones totales	Tarifas de origen
Hipotecas de compra residencial	$ 87.3 millones	$ 1.5 millones
Hipotecas de refinanciamiento	$ 42.6 millones	$ 0.7 millones
Hipotecas comerciales	$ 36.5 millones	$ 0.4 millones

Comisiones de productos de inversión

Las comisiones relacionadas con la inversión para 2023 alcanzaron $ 1.8 millones:

• Servicios de gestión de patrimonio: $ 1.1 millones
• Comisiones de corretaje: $ 0.4 millones
• Tarifas de asesoramiento de inversiones: $ 0.3 millones

Cargos de servicio bancario digital

Los ingresos bancarios digitales para 2023 fueron $ 0.9 millones, incluido:

• Tarifas de transacción bancaria en línea: $ 0.4 millones
• Cargos de servicio bancario móvil: $ 0.3 millones
• Tarifas de procesamiento de pagos digitales: $ 0.2 millones

Unity Bancorp, Inc. (UNTY) - Canvas Business Model: Value Propositions

Highly personalized, relationship-based community banking

Unity Bancorp, Inc. operates with a deep local focus, evidenced by approximately 89.2% of its loan portfolio being based in New Jersey as of the first quarter of 2025. The commitment to local presence is further demonstrated by the recent opening of its 22nd branch in Madison, NJ, in the third quarter of 2025. This physical footprint supports the relationship-based model, which has earned the institution a 5-Star Superior rating from BauerFinancial. The bank aims to continue growing its balance sheet organically, targeting a loan and deposit growth rate in the mid-to-high single-digit rate for the remainder of 2025.

Specialized commercial and SBA lending expertise

The lending focus centers on specific credit types, which is a core differentiator. For instance, in the third quarter of 2025, loans increased sequentially by $85.9 million, representing a 3.6% rise. The company maintains sizable exposure to small business loans (SBA) alongside commercial real estate and residential mortgages. Here is a look at the loan book composition based on the first quarter of 2025 filing details:

Loan Type Focus	Geographic Concentration (Loans)
Commercial Real Estate	New Jersey: 89.2%
Residential Mortgages	New York: 4.6%
Small Business Loans (SBA)	Pennsylvania: 3.1%

Local decision-making for faster loan approvals

The concentration of operations within New Jersey, New York, and Pennsylvania supports rapid, localized underwriting. The bank reported a net interest margin expansion to 4.54% in the third quarter of 2025, suggesting effective management of its loan pricing and funding costs in its core markets. The third quarter of 2025 saw net income reach $14.4 million, or $1.41 per diluted share on a GAAP basis. This local focus helps drive performance metrics, with the return on average assets hitting 2.11% for the third quarter of 2025.

Full suite of retail and business banking products

Unity Bancorp, Inc. provides a comprehensive set of financial services to retail, corporate, and small business customers. The deposit base supports this offering, with total deposits growing sequentially by $80.1 million, or 3.7%, in the third quarter of 2025. At the end of the second quarter of 2025, total deposits for the institution were $2.19 billion. The value proposition includes the ability to attract and retain relationship deposits, which is key to funding loan growth.

• Net income for the first nine months of 2025 totaled $42.5 million.
• Return on average equity for Q3 2025 was 17.41%.
• Total shares outstanding as of July 31, 2025, were 10,033,030.
• The company announced a 7% increase in its third-quarter cash dividend.

Unity Bancorp, Inc. (UNTY) - Canvas Business Model: Customer Relationships

You're looking at how Unity Bancorp, Inc. keeps its customers close, which is key for a community-focused bank. Their approach blends personal attention with modern digital tools, all grounded in their local footprint.

Dedicated relationship managers for commercial clients

Unity Bancorp, Inc. emphasizes a holistic approach for its business clients, which includes leveraging seasoned Commercial and SBA lending expertise alongside deposit products. While the exact number of dedicated relationship managers isn't public, the commitment to personalized service is evident in their operational spending; for instance, noninterest expense, which is mainly compensation and benefit costs, increased to $47.0 million in 2023 versus $42.5 million in 2022, done primarily to ensure customers continue to experience the personalized service they expect. The focus on this segment is clear, as loan balances grew by $84.5 million, a 3.74% increase from year-end, in the first quarter of 2025 alone. Also, the bank aims to grow loans and deposits in tandem to support this client base. As of the nine months ended September 30, 2025, loans had grown by 3.6% over the prior quarter. Unity Bancorp, Inc. is recognized for its focus on local decision-making for its corporate and small business customers.

High-touch, in-person service at branch locations

Unity Bancorp, Inc. actively maintains and expands its physical presence, which is a direct counterpoint to the trend of large banks closing branches. As of June 20, 2025, Unity Bank operates 22 branches across New Jersey and the Lehigh Valley, Pennsylvania, following the opening of its newest location in Madison, NJ. This network serves customers across counties including Bergen, Hunterdon, Middlesex, Morris, Ocean, Somerset, Union, and Warren in New Jersey, and Northampton County in Pennsylvania. This physical footprint supports their goal of providing exceptional financial services tailored to retail, corporate, and small business customers. The bank manages approximately $2.9 billion in total assets and holds $2.3 billion in deposits as of the third quarter of 2025. This physical network supports their brand promise of Growing with You.

Self-service options via internet and mobile banking

The in-person service is backed by digital capabilities designed to streamline day-to-day financial operations. Unity Bancorp, Inc. provides both internet and mobile banking platforms for customer convenience. The retail division has shown strong deposit gathering, with customer deposits (excluding brokered deposits) increasing by $90.7 million, or 4.82% quarter over quarter, in the first quarter of 2025. Furthermore, noninterest bearing demand deposits grew by $16.8 million, or 3.97% quarter over quarter, at the end of 2024. These figures suggest strong adoption of the bank's digital tools for routine transactions.

Community engagement and local event sponsorship

Community connection is a core element of the customer relationship strategy at Unity Bancorp, Inc., often translating financial support into tangible local benefits. They use specific programs to foster this connection. For example, at the beginning of 2025, Unity Bank donated a total of $9,152.75 to local school districts through its School Spirit Debit Card Program, where $0.05 is donated per purchase. Since 2020, the bank has given over $50,000 in scholarships to local communities, including $13,000 awarded to graduating seniors in 2024. This commitment extends to combating local needs; in 2023, an employee service project raised $25,200 for local Food Banks. The bank was also ranked 14th among the top 25 publicly traded banks in the United States in Bank Director's 2025 RankingBanking report, reflecting its strong performance within its community focus.

Here's a quick look at some of the quantitative relationship metrics:

Metric Category	Specific Data Point	Amount/Value	Date/Period Reference
Physical Footprint	Total Number of Branches	22	June 20, 2025
Community Giving (Annualized)	School Spirit Debit Card Donation Total	$9,152.75	Beginning of 2025
Community Giving (Cumulative)	Total Scholarships Given Since 2020	Over $50,000	As of 2025
Digital Adoption Indicator	Q1 2025 Customer Deposit Growth (ex-brokered)	4.82% (QoQ)	Q1 2025
Institutional Recognition	Ranking in Top Publicly Traded Banks	14th	2025 Report

The bank's overall financial health supports these relationship-building efforts, reporting net income of $14.4 million for the quarter ending September 30, 2025, with a return on average assets of 2.11% for the nine-month period ending the same date. This performance underscores their ability to maintain high-touch service while growing assets to approximately $2.9 billion.

Unity Bancorp, Inc. (UNTY) - Canvas Business Model: Channels

You're looking at how Unity Bancorp, Inc. gets its services-from checking accounts to commercial loans-to its customers. It's a mix of the traditional brick-and-mortar presence and the digital tools folks use every day. This approach supports their community-focused commercial banking business across New Jersey and Pennsylvania.

The physical branch network is central to Unity Bancorp, Inc.'s strategy. As of late 2025, the network stands at a total of 22 branches. This count was finalized with the recent opening of the newest location in Madison, New Jersey, at 269 Main St, which is a 2,000-square-foot facility. This physical footprint serves customers across Bergen, Hunterdon, Middlesex, Morris, Ocean, Somerset, Union, and Warren Counties in New Jersey, plus Northampton County in Pennsylvania.

For digital access, Unity Bancorp, Inc. offers Internet and mobile banking platforms. These platforms support the delivery of services like personal and business checking accounts, time deposits, and money market accounts. The bank also provides Automated Teller Machine (ATM) services, which are available at branches, including the new Madison location which features a full-service ATM.

Direct commercial and residential lending teams are key to originating the bank's loan portfolio. Unity Bancorp, Inc. engages in a wide range of lending activities, including commercial, Small Business Administration (SBA), consumer, mortgage, home equity, and personal loans. The lending function is supported by specialized teams, such as the Commercial Team led by Chief Lending Officer James Donovan, and the SBA Team managed by Charles Goldbach. This channel drove sequential loan growth of $85.9 million, or 3.6%, for the quarter ended September 30, 2025.

Here's a quick look at the scale of the business these channels support as of the third quarter of 2025:

Channel Metric	Data Point	Date/Period Reference
Total Branch Count	22	As of June/October 2025
Total Assets	Approximately $2.9 billion	As of September 30, 2025
Total Deposits	Approximately $2.3 billion	As of September 30, 2025
Sequential Loan Growth	$85.9 million (3.6%)	Quarter ended September 30, 2025
Net Interest Margin	4.54%	Quarter ended September 30, 2025

The physical channels are designed for convenience, offering specific amenities at newer locations:

• Onsite parking availability at the Madison, NJ branch.
• Drive-up banking services at the Madison, NJ branch.
• Full-service ATM access at the Madison, NJ branch.

The direct lending teams focus on specific client segments, which is reflected in the types of loans they originate:

• Commercial lending, including owner-occupied and non-owner occupied commercial mortgages.
• Commercial and industrial lending secured by business assets like receivables, inventory, and equipment.
• Residential and commercial construction lending activities.
• Small Business Administration (SBA) loan originations, servicing, and sales.

The digital channels facilitate access to core products, which include:

• Personal and business checking accounts.
• Time deposits and regular savings accounts.
• Money market accounts.

Finance: draft 13-week cash view by Friday.

Unity Bancorp, Inc. (UNTY) - Canvas Business Model: Customer Segments

You're looking at the core customer base for Unity Bancorp, Inc. as of late 2025. This bank holding company, with approximately $2.9 billion in assets, focuses its efforts heavily within a specific geographic area to serve these groups. Honestly, their strategy is deeply rooted in local market penetration.

Small and medium-sized businesses (SMBs) in the New Jersey footprint

This segment is central to Unity Bancorp, Inc.'s lending and deposit strategy. The bank's operations are overwhelmingly concentrated in New Jersey; around 89.2% of the company's loans were based in New Jersey as of the first quarter of 2025. You see their commitment to this market through their branch network, which recently expanded to 22 locations, including a new branch in Madison, NJ, in 2025. They actively support these businesses through Small Business Administration (SBA) lending programs. Some small business customers are even positioned to benefit from the 2025 tariffs on foreign goods, which the bank noted in its Q1 2025 commentary.

• Geographic concentration of loans: 89.2% in New Jersey (as of 1Q 2025).
• Branch network size: 22 locations as of late 2025.
• Loan growth target: Aiming for a mid-to-high single digit growth rate in loans, which includes this segment.

Retail customers and professional communities in local markets

Unity Bank serves retail customers alongside its business clients across its New Jersey footprint, which spans Bergen, Hunterdon, Middlesex, Morris, Ocean, Somerset, Union, and Warren Counties. The bank's retail division showed strong deposit gathering capabilities, increasing customer deposits (excluding brokered deposits) by 4.82% quarter-over-quarter in Q1 2025. They offer standard retail products like checking, savings accounts, money market accounts, and certificates of deposit. Furthermore, they support professional communities through personalized banking solutions and a commitment to local decision-making, evidenced by their recent branch opening in Morris County, NJ.

Corporate clients requiring escrow and cash management services

For larger entities, Unity Bancorp, Inc. provides specialized services beyond basic lending. This includes cash management and merchant services designed to streamline day-to-day financial operations for corporate clients. A key offering for this segment is Escrow Account Services. The bank's total deposits stood at approximately $2.3 billion as of late 2025, showing a substantial base of funds managed for these clients. In Q4 2024, noninterest bearing demand deposits grew by 3.97% quarter-over-quarter, indicating strong operational balances from business customers.

Real estate investors seeking commercial mortgage financing

A significant portion of Unity Bancorp, Inc.'s lending activity targets real estate investors. The company focuses on two main loan types: commercial real estate and residential mortgages. Commercial real estate lending is a core competency for them. Loan balances grew by $37.5 million, or 1.6%, in Q2 2025, and by $85.9 million, or 3.6%, in Q3 2025, supported by strong origination capabilities from both Commercial and Residential lending teams. Underwriting for these credits remains disciplined, focusing on conservative loan-to-value and debt-service coverage levels.

Here's a quick look at the scale of the business supporting these segments as of the nine months ended September 30, 2025, and Q3 2025 data points:

Financial Metric	Value as of Late 2025	Reporting Period Reference
Total Assets	Approximately $2.9 billion	October 2025
Total Deposits	Approximately $2.3 billion	Late 2025
Net Income (9 Months Ended Sept 30, 2025)	$42.5 million	9M 2025
Loan Growth (Sequential)	3.6% (an increase of $85.9 million)	Q3 2025
Deposit Growth (Sequential)	3.7% (an increase of $80.1 million)	Q3 2025
Return on Average Assets (ROAA)	2.11%	9M 2025

The bank's strategy is definitely about funding this credit growth by growing deposits in tandem. Finance: draft 13-week cash view by Friday.

Unity Bancorp, Inc. (UNTY) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive Unity Bancorp, Inc.'s operations as of late 2025. For a bank, the cost structure is dominated by the cost of funds and the day-to-day running of the business.

The primary cost related to funding activities is the Interest expense on deposits and borrowed funds. While the exact dollar amount for this expense isn't explicitly broken out in the latest reports, we know the result of the interest-earning assets versus these costs: Unity Bancorp, Inc. reported Net Interest Income (NII) of $29.9 million for the third quarter of 2025. This NII reflects the profitability after covering the cost of deposits and borrowed funds, with the Net Interest Margin (NIM) expanding to 4.54% in Q3 2025.

The other major category is Noninterest Expense, which was reported at $13.4 million in Q3 2025. This figure captures all the overhead required to run the bank outside of interest costs.

Here's a look at the key cost components for Q3 2025:

Cost Category	Q3 2025 Amount (Millions USD)
Total Noninterest Expense	$13.4
Net Interest Income (NII)	$29.9

The Noninterest Expense of $13.4 million is driven by several operational areas. Management noted that increases in this total were mainly due to two key areas:

• Personnel costs, including compensation and benefits for local staff.
• Operating expenses for the branch network and technology maintenance, specifically citing increases in processing and communication costs.

The company is actively managing these costs while expanding its footprint; for instance, the branch network grew to 22 locations with the opening in Madison, NJ. The efficiency ratio for the quarter improved to 41.47%, showing that Unity Bancorp, Inc. is keeping a tight rein on these operating costs relative to its income.

To be fair, the cost of personnel is almost always the largest single line item in a community bank's noninterest expense. You'd expect the compensation and benefits line to represent a significant portion of that $13.4 million total.

Finance: draft 13-week cash view by Friday.

Unity Bancorp, Inc. (UNTY) - Canvas Business Model: Revenue Streams

You're looking at how Unity Bancorp, Inc. actually brings in the money, which for a bank like this, boils down to lending profitably and managing assets. It's all about the spread between what they earn on loans and what they pay for deposits, plus those extra fees and investment moves.

Net Interest Income (NII) from loans and securities is the engine here. For the third quarter ended September 30, 2025, Unity Bancorp, Inc. reported Net Interest Income of $29.86 million, which was an improvement from $28.56 million in the sequential second quarter of 2025. This was supported by a Net Interest Margin (NIM) that expanded by 5 basis points sequentially to reach 4.54% as of Q3 2025. The balance sheet growth, with loans increasing by 3.6% quarter-over-quarter in Q3 2025, fuels this core revenue stream.

The revenue picture also includes Noninterest income from service charges and loan fees, though this can be lumpy depending on investment activity. For Q3 2025, total Noninterest Income decreased to $3.0 million, which the company noted was primarily due to the absence of a one-time gain recognized in the previous quarter. To give you context, Q2 2025 Noninterest Income was $5.8 million. Core fee categories showed improvement, but the magnitude was smaller in the third quarter.

Specific, non-recurring items like Gains from the sale of residential and commercial loans and investment security events significantly impact the top-line Noninterest Income. The resolution of the Patriot National Bancorp, Inc. position provided a notable boost. Unity Bancorp, Inc. converted the remainder of its debt position in Patriot National Bancorp into restricted common shares, which contributed $0.8 million to the Q3 2025 net income. This was a continuation of activity, as the second quarter of 2025 included a pre-tax one-time gain of $3.5 million realized on the sale of securities related to Patriot National Bancorp.

The impact of investment securities, such as the Dividends from investment securities, like the Patriot National Bancorp shares, is often realized through gains or adjustments rather than direct dividend line items in the summary data. The Q2 2025 results also included a $2.0 million release for credit losses on securities, also tied to Patriot National Bancorp.

Here's a quick look at the key Q3 2025 revenue drivers and profitability metrics:

Metric	Amount/Value (Q3 2025)
Net Interest Income (NII)	$29.86 million
Total Noninterest Income	$3.0 million
Net Income (GAAP)	$14.4 million
Net Interest Margin (NIM)	4.54%
Return on Average Assets (ROAA)	2.11%

You can see the core profitability is strong, but the non-recurring items make quarter-to-quarter comparisons tricky. For instance, excluding the $0.8 million Patriot conversion gain in Q3 2025, the non-GAAP net income was $13.6 million.

The sources of noninterest income, when looking at the components that are more recurring, include:

• Service and loan fee income (modestly increased in Q1 2025)
• Gains on sale of mortgage loans (contributed to Q2 2025 Noninterest Income)
• Income from the conversion of debt to equity ($0.8 million in Q3 2025)

The overall performance shows a bank focused on growing its primary lending business while managing the final stages of a specific investment resolution. Finance: draft 13-week cash view by Friday.