Unity Bancorp, Inc. · NASDAQ:UNTY
Unity Bancorp — Shareholder Meeting (April 2026)
13 slides from Unity Bancorp's shareholder meeting presentation, Apr 22, 2026
Slide 1: 2026 Shareholders' Meeting
2026 Shareholders’ Meeting April 23, 2026
Slide 2: 2025 vs. 2024 Results
1 2025 vs. 2024 Results Net income Net income (in thousands) $ 57,951 $ 41,450 Net income per common share - Diluted 5.67 4.06 Operating Ratios Return on average assets 2.17 % 1.68 % Return on average equity 18.07 14.99 Net interest margin 4.52 4.16 Noninterest expense / average assets 1.96 1.98 Eff
Slide 3: 1st Quarter Results
2 1 st Quarter Results *The efficiency ratio is a non-GAAP measure, calculated based on the noninterest expense divided by the sum of net interest income plus non interest income, excluding net gains and losses on securities. Net income Net income (in thousands) $ 14,288 $ 15,472 Net income per comm
Slide 4: Unity Bank's Footprint
3 Unity Bank’s Footprint 22 Unity Full-Service Branch Locations New Jersey Bergen County: 1) Emerson, NJ - O 2) Fort Lee, NJ - L Hunterdon County: 3) Clinton, NJ - O 4) Flemington, NJ - O 5) Whitehouse Station, NJ - O Middlesex County: 6) Edison, NJ - O 7) Highland Park, NJ - O 8) Middlesex, NJ - O
Slide 5: Loan and Deposit Growth
4 Loan and Deposit Growth (dollars in thousands, except percentages) Loans Held for Sale $ 9,490 $ 12,163 (22.0) % SBA 34,259 38,309 (10.6) Commercial 1,518,032 1,281,436 18.5 Commercial Construction 147,215 130,193 13.1 Residential Mortgage 677,221 630,927 7.3 Consumer 85,219 76,711 11.1 Residentia
Slide 6: Asset Quality Remains Stable
5 Asset Quality Remains Stable Net Charge-Offs/ Avg Loans (%) 0.06 0.07 0.09 0.07 0.05 2021 2022 2023 2024 2025 Nonaccrual Assets/Total Assets (%) 0.48 0.37 0.74 0.57 1.06 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 9,686 9,065 19,186 15,046 31,308 Nonaccrual Assets ($000) 2021 2022 2023 2024
Slide 7: Summary Income Statement
6 Summary Income Statement (dollars in thousands) 1) Noninterest income includes $5.2M pertaining to one-time Net Security Gains. 2025 2024 Net Interest Income $ 117,033 $ 98,611 18.7 % Provision for Credit Losses 3,941 3,949 (0.2) Noninterest Income (1) 14,779 8,469 74.5 Noninterest Expense 52,359
Slide 8: Net Interest Margin
7 Net Interest Margin 4.58% 4.92% 6.13% 6.57% 6.71% 4.16% 4.40% 4.06% 4.16% 4.52% 0.45% 0.56% 2.24% 2.65% 2.44% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 2021 2022 2023 2024 2025 Yield on Earning Assets Net Interest Margin Cost of Funds
Slide 9: Noninterest Income – Area of Focus
8 Noninterest Income – Area of Focus (dollars in thousands) Branch fee income $ 1,836 $ 1,391 32.0 % Service and loan fee income 2,712 2,165 25.3 Gain on sale of SBA loans held for sale, net 705 660 6.8 Gain on sale of mortgage loans, net 1,527 1,488 2.6 BOLI income 774 544 42.3 Net security gains (
Slide 10: Noninterest Expense
9 Noninterest Expense (dollars in thousands) Compensation $ 28,080 $ 25,166 % Benefits 4,106 4,583 Processing and communications 4,193 3,473 Occupancy 3,407 3,184 Furniture and equipment 3,224 3,140 Professional services 1,758 1,683 Advertising 1,682 1,611 Loan related expenses 888 1,138 Deposit ins
Slide 11: Consistent Book Value Growth
10 Consistent Book Value Growth $19.80 $22.60 $25.98 $29.48 $34.63 $26.25 $27.33 $29.59 $43.61 $51.72 $- $10.00 $20.00 $30.00 $40.00 $50.00 $60.00 2021 2022 2023 2024 2025 Book Value Per Share Stock Price
Slide 12: Unity's Strategy & Vision
11 Unity’s Strategy & Vision Diversified Business Model Experienced & Proven Management Team High Levels of Management & Board Stock Ownership Best In Class Financial Performance Strong Capital Management Practices
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