{"schema_version":"secwatch.filing_event.v1","accession":"0000920427-26-000031","form_type":"8-K","ticker":"UNTY","cik":"0000920427","company_name":"UNITY BANCORP INC /NJ/","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.935323+00:00","generated_at":"2026-05-15T05:01:59.483267+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Unity Bancorp reports FY2025 EPS $5.67, Q1 2026 EPS $1.40; nonaccrual assets double","bullets":["FY2025 net income $57.95M ($5.67 diluted EPS) vs $41.45M ($4.06) in FY2024; ROAA 2.17%.","Q1 2026 net income $14.29M ($1.40/sh) vs $15.47M ($1.52/sh) in Q4 2025, down QoQ.","Loans grew 12.6% YoY to $2.545B; deposits up 10.7% to $2.324B.","Nonaccrual assets surged to $31.3M (1.06% of assets) from $15M (0.57%) at end of 2024.","Net interest margin improved to 4.52% in FY2025 from 4.16%; noninterest income included $5.2M one-time security gains."],"urls":{"canonical":"https://secwatch.observer/filing/0000920427-26-000031","json":"https://secwatch.observer/filing/0000920427-26-000031.json","markdown":"https://secwatch.observer/filing/0000920427-26-000031.md","text":"https://secwatch.observer/filing/0000920427-26-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/920427/000092042726000031/0000920427-26-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/920427/000092042726000031/unty-20260422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:01:59.483267+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"}