{"schema_version":"secwatch.filing_event.v1","accession":"0000920427-25-000034","form_type":"8-K","ticker":"UNTY","cik":"0000920427","company_name":"UNITY BANCORP INC /NJ/","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.819007+00:00","generated_at":"2026-05-23T08:48:51.618042+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Unity Bancorp reports FY2024 net income $41.5M (+4.4% YoY) and Q1 2025 EPS $1.13","bullets":["FY2024 net income $41.45M ($4.06 diluted EPS) vs $39.71M ($3.84) in FY2023; net interest margin improved to 4.16%.","Q1 2025 net income $11.60M ($1.13 EPS) with ROA 1.83% and NIM 4.46%.","Total gross loans grew 4.1% YoY to $2.26B; total deposits up 9.2% to $2.10B.","Asset quality strong: net charge-offs 0.07% in FY2024 and 0.09% annualized in Q1 2025.","Book value per share rose from $25.98 (FY2023) to $29.48 (FY2024), reflecting consistent growth."],"urls":{"canonical":"https://secwatch.observer/filing/0000920427-25-000034","json":"https://secwatch.observer/filing/0000920427-25-000034.json","markdown":"https://secwatch.observer/filing/0000920427-25-000034.md","text":"https://secwatch.observer/filing/0000920427-25-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/920427/000092042725000034/0000920427-25-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/920427/000092042725000034/unty-20250423x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:48:51.618042+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}