Bank · FDIC insured
Unity Bank
A $3.2B bank, the 400th largest of 4,207, headquartered in Clinton, NJ, with 22 branches in 2 states. Best rates: CDs 4.40% and savings 2.25% APY.
Unity Bank Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#64 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Unity Bank
- Headquarters
- 64 Old Highway 22, Clinton, NJ 08809
- FDIC certificate
- 33503 ↗
Branches
22 branches in 2 states
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New Jersey
20 branches
New York area · 18
- Unity BankMain office64 Old Highway 22, Clinton, NJ 08809Directions
- Edison Branch1746 Oak Tree Rd, Edison, NJ 08820Directions
- Emerson Branch4 Emerson Plz W, Emerson, NJ 07630Directions
- Flemington Branch157 Main St, Flemington, NJ 08822Directions
- Fort Lee Branch Office899 Palisade Ave, Fort Lee, NJ 07024Directions
- Highland Park Branch104 Raritan Ave, Highland Park, NJ 08904Directions
- Lake Hiawatha Branch66 N. Beverwyck Road, Lake Hiawatha, NJ 07034Directions
- Lakewood Branch Office1255 Route 70, Lakewood, NJ 08701Directions
- Linden Branch628 N Wood Ave, Linden, NJ 07036Directions
- Madison Branch269 Main St, Madison, NJ 07940Directions
- Middlesex Branch1230 Bound Brook Rd, Middlesex, NJ 08846Directions
- North Plainfield Branch450 Somerset St, North Plainfield, NJ 07060Directions
- Scotch Plains Township Branch2222 South Avenue, Scotch Plains Township, NJ 07076Directions
- Somerset Branch120 Cedar Grove Ln, Somerset, NJ 08873Directions
- Somerville Branch12 Mountain Ave, Somerville, NJ 08876Directions
- South Plainfield Branch2426 Plainfield Ave, South Plainfield, NJ 07080Directions
- Union Branch945 Stuyvesant Ave, Union, NJ 07083Directions
- Whitehouse Branch370 Route 22, White House Station, NJ 08889Directions
Allentown area · 2
- Phillipsburg Branch1225 Us - 22 W, Phillipsburg, NJ 08865Directions
- Washngton Branch5 E Asbury Anderson Rd, Washington, NJ 07882Directions
Pennsylvania
2 branches
- Bethlehem Branch2850 Easton Ave, Bethlehem, PA 18017Directions
- Forks Township Branch1700 Sullivan Trl, Easton, PA 18040Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.88% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.23% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.91% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $109 | $88 | — |
- CapitalLeverage ratio12.88%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.23%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.91%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$109Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Unity Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.