Call reports 2025
UNITY BANK — 2025
What UNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,759,008,000 | 2,920,186,000 | 2,866,083,000 | 2,956,346,000 |
| Total loans | 2,346,576,000 | 2,384,304,000 | 2,470,093,000 | 2,546,071,000 |
| Allowance for loan losses | 27,651,000 | 29,012,000 | 30,245,000 | 32,342,000 |
| Securities available for sale | 90,438,000 | 92,491,000 | 82,063,000 | 70,870,000 |
| Securities held to maturity | 40,947,000 | 36,434,000 | 36,505,000 | 36,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,175,499,000 | 2,194,394,000 | 2,268,071,000 | 2,324,458,000 |
| Interest-bearing deposits | 1,720,972,000 | 1,722,756,000 | 1,819,975,000 | 1,858,465,000 |
| Noninterest-bearing deposits | 454,527,000 | 471,638,000 | 448,096,000 | 465,993,000 |
| Equity capital | 308,093,000 | 316,299,000 | 334,834,000 | 345,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 41,475,000 | 84,432,000 | 129,267,000 | 175,699,000 |
| Interest expense | 13,387,000 | 27,319,000 | 41,690,000 | 56,050,000 |
| Net interest income | 28,088,000 | 57,113,000 | 87,577,000 | 119,649,000 |
| Noninterest income | 1,420,000 | 3,264,000 | 5,231,000 | 6,932,000 |
| Noninterest expense | 12,696,000 | 25,758,000 | 39,237,000 | 52,616,000 |
| Provision for loan losses | 1,358,000 | 3,083,000 | 4,492,000 | 6,699,000 |
| Pretax income | 15,576,000 | 32,311,000 | 50,783,000 | 68,730,000 |
| Income tax | 3,873,000 | 7,603,000 | 11,982,000 | 15,660,000 |
| Net income | 11,703,000 | 24,708,000 | 38,801,000 | 53,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 308,316,000 | 316,603,000 | 334,507,000 | 344,796,000 |
| Total capital | 335,890,000 | 345,184,000 | 363,576,000 | 374,667,000 |
| Risk-weighted assets | 2,205,256,000 | 2,285,316,000 | 2,323,713,000 | 2,386,521,000 |