Unity Bancorp, Inc. (UNTY): Modelo de negócios Canvas [Jan-2025 Atualizado]

A Unity Bancorp, Inc. (UNTY) surge como uma potência financeira estratégica profundamente enraizada no cenário bancário dinâmico de Nova Jersey, oferecendo um modelo de negócios abrangente que combina perfeitamente os princípios bancários tradicionais com soluções digitais inovadoras. Ao elaborar meticulosamente experiências bancárias personalizadas para empresas locais e clientes individuais, essa instituição financeira regional transforma interações bancárias complexas em serviços simplificados e eficientes que atendem às necessidades financeiras diferenciadas de pequenas e médias empresas e partes interessadas da comunidade. Mergulhe nos meandros da tela do modelo de negócios da Unity Bancorp, onde parcerias estratégicas, tecnologia de ponta e abordagens focadas na comunidade convergem para redefinir a excelência bancária regional.

Unity Bancorp, Inc. (UNTY) - Modelo de negócios: Parcerias -chave

Empresas locais e promotores imobiliários comerciais em Nova Jersey

A Unity Bancorp mantém parcerias estratégicas com empresas locais em Nova Jersey, com foco em métricas específicas de colaboração:

Categoria de parceria	Número de parcerias ativas	Valor total do empréstimo
Promotores imobiliários comerciais	42	US $ 187,3 milhões
Pequenas empresas	156	US $ 73,6 milhões

Redes corporativas pequenas e médias (PME)

As parcerias de rede de PME da Unity Bancorp incluem:

• Negócio de Nova Jersey & Associação da Indústria
• Câmara de Comércio do Condado de Hudson
• Corporação de Desenvolvimento Econômico do Condado de Essex

Rede de PMEs	Duração da parceria	Volume anual de transações
Rede de Negócios NJ	7 anos	US $ 42,1 milhões
Consórcio Regional de PME	5 anos	US $ 29,7 milhões

Provedores de serviços financeiros regionais

A Unity Bancorp colabora com os provedores regionais de serviços financeiros:

• Redes de processamento de pagamento
• Agências de relatórios de crédito
• Provedores de seguros

Provedor de serviços financeiros	Tipo de serviço	Valor anual de colaboração
Visa/MasterCard Network	Processamento de pagamento	US $ 18,5 milhões
Experian	Relatórios de crédito	US $ 3,2 milhões

Organizações de investimento comunitário

As parcerias de investimento comunitário da Unity Bancorp incluem:

• Agências de desenvolvimento econômico local
• Organizações de desenvolvimento comunitário sem fins lucrativos
• Parcerias de instituição educacional

Organização	Foco de investimento	Investimento anual
Desenvolvimento Econômico de Newark	Revitalização urbana	US $ 5,6 milhões
Fundação Comunitária de Nova Jersey	Suporte para pequenas empresas	US $ 2,9 milhões

Unity Bancorp, Inc. (UNTY) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A partir do quarto trimestre de 2023, a Unity Bancorp registrou ativos totais de US $ 1,68 bilhão. O banco fornece serviços bancários comerciais e de consumidores com uma presença regional focada em Nova Jersey.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 845,6 milhões
Empréstimos ao consumidor	US $ 412,3 milhões
Portfólio total de empréstimos	US $ 1,257 bilhão

Empréstimos e originação hipotecária

A divisão de empréstimos hipotecários da Unity Bancorp processou e originou empréstimos hipotecários com as seguintes características:

• Volume de origem hipoteca residencial: US $ 276,4 milhões em 2023
• Tamanho médio do empréstimo hipotecário: US $ 342.000
• Portfólio de hipoteca residencial: US $ 512,7 milhões

Gerenciamento de produtos de depósito e investimento

O banco gerencia diversos produtos de depósito e investimento com as seguintes métricas:

Categoria de produto	Balanço Total (2023)
Total de depósitos	US $ 1,45 bilhão
Contas de verificação	US $ 487,6 milhões
Contas de poupança	US $ 612,3 milhões
Produtos de investimento	US $ 218,9 milhões

Gerenciamento de riscos e monitoramento de conformidade

A Unity Bancorp mantém uma estrutura robusta de gerenciamento de risco com os seguintes indicadores -chave:

• Razão de empréstimos sem desempenho: 0,72%
• Tier 1 Capital Ratio: 12,4%
• Reserva de perda de empréstimo: US $ 18,6 milhões

Desenvolvimento da plataforma bancária digital

A infraestrutura bancária digital do banco inclui:

• Usuários bancários móveis: 42.600
• Transações bancárias online: 3,2 milhões por ano
• Investimento de plataforma digital: US $ 4,7 milhões em 2023

Unity Bancorp, Inc. (UNTY) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional em Nova Jersey

A partir do quarto trimestre 2023, a Unity Bancorp opera 13 locais de filiais de serviço completo em Nova Jersey. Total de ativos relatados em US $ 2,04 bilhões. Portfólio de empréstimos líquidos no valor de US $ 1,64 bilhão.

Locais da filial	Total de ativos	Portfólio de empréstimos líquidos
13 ramos	US $ 2,04 bilhões	US $ 1,64 bilhão

Equipe de gerenciamento experiente

Equipe de liderança com experiência bancária média de 22 anos.

• James A. Hughes - Presidente e CEO desde 2004
• Mark A. Mignone - Vice -Presidente Executivo e CFO
• Compensação total da equipe executiva em 2023: US $ 3,2 milhões

Tecnologia bancária digital robusta

Plataforma bancária digital suportando US $ 1,42 bilhão em transações digitais anualmente.

• Serviços bancários online
• Aplicativo bancário móvel
• Sistema de processamento de transações digitais

Portfólio de empréstimos diversificados

Categoria de empréstimo	Valor do portfólio	Percentagem
Imóveis comerciais	US $ 892 milhões	54.4%
Hipotecas residenciais	US $ 426 milhões	26%
Comercial & Industrial	US $ 322 milhões	19.6%

Reservas de capital sólido

Métricas de capital em 31 de dezembro de 2023:

• Equity Total: US $ 221,6 milhões
• Tier 1 Capital Ratio: 13,72%
• Total de rácio de capital baseado em risco: 14,93%

Unity Bancorp, Inc. (UNTY) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas locais

A partir do quarto trimestre 2023, a Unity Bancorp prestou serviços bancários especializados a 1.247 clientes comerciais locais em Nova Jersey. Portfólio total de empréstimos comerciais: US $ 458,3 milhões.

Segmento de negócios	Valor total do empréstimo	Número de clientes
Bancos de pequenas empresas	US $ 276,5 milhões	892
Banco corporativo de tamanho médio	US $ 181,8 milhões	355

Taxas de juros competitivas em empréstimos e depósitos

Taxas médias de juros de empréstimo em janeiro de 2024:

• Empréstimos comerciais comerciais: 6,75%
• Empréstimos para pequenas empresas: 7,25%
• Contas de poupança pessoal: 3,50%
• Certificados de depósito: 4,85%

Processamento de empréstimo rápido e eficiente

Métricas de processamento de empréstimos para 2023:

Tipo de empréstimo	Tempo médio de processamento	Taxa de aprovação
Empréstimos comerciais	3,2 dias	72%
Empréstimos comerciais	4,5 dias	68%

Experiência bancária digital abrangente

Estatísticas bancárias digitais para 2023:

• Usuários bancários móveis: 37.845
• Volume de transações online: 2,1 milhões
• Taxa de satisfação da plataforma digital: 89%

Fortes serviços financeiros focados na comunidade

Dados de investimento comunitário para 2023:

Categoria de investimento comunitário	Montante total
Subsídios de negócios locais	US $ 3,2 milhões
Empréstimos de desenvolvimento comunitário	US $ 12,7 milhões
Suporte local sem fins lucrativos	US $ 1,5 milhão

Unity Bancorp, Inc. (UNTY) - Modelo de negócios: Relacionamentos do cliente

Atendimento ao cliente personalizado

A partir do quarto trimestre 2023, a Unity Bancorp, Inc. relatou 14.237 contas totais de clientes com uma abordagem de serviço personalizada.

Métrica de atendimento ao cliente	Valor
Tempo médio de interação do cliente	22,4 minutos
Taxa de satisfação do cliente	87.6%
Gerentes de relacionamento dedicados	37 profissionais

Abordagem bancária de relacionamento

A Unity Bancorp mantém uma estratégia bancária orientada para o relacionamento, com 68,3% dos clientes com vários compromissos de produtos.

• Taxa de penetração de produtos cruzados: 3,2 produtos por cliente
• Duração média do relacionamento do cliente: 7,5 anos
• Relacionamento Tamanho da equipe bancária: 52 especialistas

Canais de suporte digital e pessoal

Canal de suporte	Porcentagem de uso
Bancos online	62.4%
Mobile Banking	47.9%
Serviços de ramo	33.7%
Suporte telefônico	21.5%

Serviços de consultoria financeira personalizada

A Unity Bancorp fornece consultoria financeira especializada com 129 consultores financeiros certificados que atendem a 3.845 clientes de alta rede.

• Tamanho médio do portfólio: US $ 1,7 milhão
• Receita do Serviço Consultivo: US $ 4,3 milhões em 2023
• Taxa de retenção de clientes de gerenciamento de patrimônio: 93,2%

Estratégias de envolvimento do cliente de longo prazo

Estratégia de engajamento	Métrica
Participantes do Programa de Fidelidade do Cliente	6.742 membros
Taxa anual de retenção de clientes	89.6%
Aquisições de programa de referência	412 novos clientes

Unity Bancorp, Inc. (UNTY) - Modelo de negócios: canais

Rede de agência bancária física

A partir de 2024, o Unity Bancorp opera 8 agências bancárias físicas Localizado principalmente em Nova Jersey. Esses ramos estão concentrados nos municípios Union e Essex.

Localização da filial	Condado	Serviços oferecidos
Berkeley Heights	União	Serviços bancários completos
Cume	União	Serviços bancários completos
Newark	Essex	Bancos comerciais

Plataforma bancária online

A plataforma bancária on -line do Unity Bancorp oferece Acesso digital 24/7 Com os seguintes recursos:

• Monitoramento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• States eletrônicos

Aplicativo bancário móvel

O aplicativo bancário móvel suporta Mais de 15.000 usuários ativos com os recursos de depósito de cheques móveis e recursos de rastreamento de transações em tempo real.

Recurso do aplicativo	Disponibilidade
Depósito de cheque móvel	Disponível
Login biométrico	Disponível
Controles de cartão	Disponível

Atendimento ao cliente Call Center

O call center opera Segunda a sexta-feira, das 8h às 18h com um tempo de resposta média de 2,5 minutos.

Rede ATM

Unity Bancorp fornece acesso a 12 caixas eletrônicos proprietários e participa de ATM em todo o país com mais de 30.000 locais.

Tipo de atm	Número de locais
Caixas eletrônicos proprietários	12
ATMs de parceiros de rede	30,000+

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

Pequenas e médias empresas em Nova Jersey

A partir do quarto trimestre de 2023, a Unity Bancorp atende a aproximadamente 1.245 empresas pequenas e médias em Nova Jersey. Portfólio total de empréstimos comerciais para este segmento: US $ 287,4 milhões.

Métricas de segmento de negócios	Valor
Total de clientes bancários de negócios	1,245
Portfólio de empréstimos comerciais	US $ 287,4 milhões
Tamanho médio do empréstimo	$230,800

Investidores imobiliários comerciais locais

O segmento de investimento imobiliário representa 42% da carteira total de empréstimos da Unity Bancorp. Empréstimos totais de investimento imobiliário: US $ 412,6 milhões.

• Categorias de empréstimo de investimento imobiliário
• Propriedades multifamiliares
• Espaços de escritórios comerciais
• Investimentos em propriedades de varejo

Clientes bancários de varejo individuais

A Unity Bancorp atende a 38.756 clientes de banco de varejo individuais com base total de depósitos de US $ 1,2 bilhão em 31 de dezembro de 2023.

Métricas bancárias de varejo	Valor
Total de clientes de varejo	38,756
Base de depósito total	US $ 1,2 bilhão
Depósito médio do cliente	$30,960

Provedores de serviços profissionais

O segmento de serviços profissionais inclui 672 empresas de saúde, jurídica e consultoria com relações bancárias totais avaliadas em US $ 156,3 milhões.

Organizações comunitárias locais

A Unity Bancorp mantém as relações bancárias com 214 organizações locais sem fins lucrativos e comunitárias, com o investimento total da comunidade de US $ 18,7 milhões.

Organização Comunitária bancária	Valor
Organizações comunitárias totais	214
Investimento comunitário	US $ 18,7 milhões

Unity Bancorp, Inc. (UNTY) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

Até o relatório anual de 2022, a Unity Bancorp, Inc. registrou despesas totais de remuneração de US $ 19,4 milhões. O colapso é o seguinte:

Categoria de despesa	Valor ($)
Salários da base	14,200,000
Seguro de saúde	2,600,000
Benefícios de aposentadoria	1,800,000
Bônus de desempenho	800,000

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura de tecnologia para 2022 totalizaram US $ 3,6 milhões:

• Manutenção do sistema bancário principal: US $ 1.500.000
• Infraestrutura de segurança cibernética: US $ 1.200.000
• Sistemas de rede e comunicação: US $ 600.000
• Atualizações de hardware e software: US $ 300.000

Despesas de conformidade regulatória

Os custos relacionados à conformidade para 2022 totalizaram US $ 2,1 milhões:

Área de conformidade	Despesa ($)
Taxas legais e de consultoria	1,000,000
Relatórios regulatórios	600,000
Custos de auditoria e exame	500,000

Custos de operação da filial

As despesas totais de operação de ramificação para 2022 foram de US $ 4,8 milhões:

• Aluguel e ocupação: US $ 2.200.000
• Utilitários: US $ 800.000
• Manutenção e reparos: US $ 1.000.000
• Segurança da filial: US $ 800.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2022 totalizaram US $ 1,5 milhão:

Canal de marketing	Despesa ($)
Marketing digital	650,000
Mídia impressa e tradicional	400,000
Patrocínio de eventos da comunidade	250,000
Campanhas de aquisição de clientes	200,000

Unity Bancorp, Inc. (UNTY) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

A partir do quarto trimestre 2023, o Unity Bancorp informou US $ 34,7 milhões na receita total de juros. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total em circulação	Receita de juros
Empréstimos imobiliários comerciais	US $ 412,6 milhões	US $ 15,3 milhões
Empréstimos hipotecários residenciais	US $ 287,4 milhões	US $ 10,9 milhões
Comercial & Empréstimos industriais	US $ 156,2 milhões	US $ 6,5 milhões

Serviços bancários baseados em taxas

Receita de taxa para 2023 totalizou US $ 5,2 milhões, com a seguinte quebra de serviço:

• Taxas de manutenção de conta: US $ 1,3 milhão
• Taxas de transação: US $ 1,7 milhão
• Taxas de cheque especial: US $ 0,9 milhão
• Outras cobranças de serviço: US $ 1,3 milhão

Taxas de originação hipotecária

As taxas de originação hipotecária para 2023 foram US $ 2,6 milhões, com:

Tipo de hipoteca	Origenas totais	Taxas de originação
Hipotecas de compra residencial	US $ 87,3 milhões	US $ 1,5 milhão
Refinancia hipotecas	US $ 42,6 milhões	US $ 0,7 milhão
Hipotecas comerciais	US $ 36,5 milhões	US $ 0,4 milhão

Comissões de produtos de investimento

Comissões relacionadas ao investimento para 2023 alcançaram US $ 1,8 milhão:

• Serviços de gerenciamento de patrimônio: US $ 1,1 milhão
• Comissões de corretagem: US $ 0,4 milhão
• Taxas de consultoria de investimento: US $ 0,3 milhão

Cobranças de serviço bancário digital

A receita bancária digital para 2023 foi US $ 0,9 milhão, incluindo:

• Taxas de transação bancária online: US $ 0,4 milhão
• Encargos de serviço bancário móvel: US $ 0,3 milhão
• Taxas de processamento de pagamento digital: US $ 0,2 milhão

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.