---
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"
generated_at: "2026-05-15T05:01:59.483267+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Unity Bancorp reports FY2025 EPS $5.67, Q1 2026 EPS $1.40; nonaccrual assets double

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000920427-26-000031
- JSON: https://secwatch.observer/filing/0000920427-26-000031.json
- Plain text: https://secwatch.observer/filing/0000920427-26-000031.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.