HIGHBuilt-inLoan_portfolio
96%
real estate-secured loans
“10-K Item 1A: 'As of December 31, 2025, approximately 96 percent of its loans had real estate as a primary and/or secondary component of collateral.'”
UNTY · Concentration risk · 10-K extracted
Unity Bancorp (UNTY) concentration risks
Updated
The most significant concentration Unity Bancorp discloses is real estate-secured loans at 96%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Unity Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 5 disclosed concentrations
HIGH2
MEDIUM2
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
56.6%
commercial real estate loans
“10-K Item 1A: 'As of December 31, 2025, total commercial real estate loans, including construction loans, represented 56.6 percent of our loan portfolio.'”
MEDIUMOutside partyLoan_portfolio
38%
time deposits
“10-K Item 1A: 'the Company had $882.9 million in time deposits, comprising 38.0% of total deposits'”
MEDIUMBuilt-inGeographic
New Jersey and Pennsylvania trade area
“10-K Item 1A: 'the Company provides banking and financial services primarily to customers in the New Jersey market and one county in Pennsylvania in which it has branches'”
LOWOutside partyLoan_portfolio
21.7%
uninsured or uncollateralized deposits
“10-K Item 1A: 'uninsured or uncollateralized deposits represented 21.7% of total deposits'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Unity Bancorp's disclosed concentration is dominated by real estate exposure on the asset side, layered with funding and geographic factors. As of December 31, 2025, approximately 96% of loans had real estate as a primary and/or secondary collateral component, and total commercial real estate loans, including construction loans, represented 56.6% of the loan portfolio — both disclosed at a high share level and classified as structural, reflecting the bank's fundamental lending focus rather than dependency on specific borrowers. Geographically, the bank operates primarily in the New Jersey market and one county in Pennsylvania, a medium-share structural exposure that reinforces the same regional real estate theme. On the funding side, time deposits comprised 38.0% of total deposits, a medium-share dependency exposure, while uninsured or uncollateralized deposits represented 21.7% of total deposits, disclosed at a low share. These two funding exposures are more idiosyncratic than the structural loan and geographic concentrations, since deposit composition can shift with rate environments and depositor behavior. Netting these together: Unity Bancorp's risk is concentrated in real estate lending within one regional trade area, with a secondary, more variable funding-side dependency on time deposits and uninsured deposits.
For the engine’s reasoning on UNTY’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| UNTY● | Unity Bancorp, Inc. | 2 | 2 | 1 | 5 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.