Performance Ratios (%) UNTY Peer Median Peer Average
ROAA 1.28 0.77 0.84
ROAE 13.83 6.90 8.07
Net Interest Margin 3.80 3.31 3.21
Efficiency Ratio 50.79 57.46 55.41
Loans / Deposits 107.61 100.62 101.95
Asset Quality Ratios (%)
NPAs / Assets 0.50 0.98 0.98
NCOs / Avg Loans 0.00 0.00 0.04
Reserves / Loans 1.38 1.08 1.11
Reserves / NPAs 232.60 82.36 107.81
Capital Ratios (%)
Tier 1 Capital NA 10.48 10.61
Tangible Equity / Tangible Assets NA 8.75 9.37
Total Equity / Total Assets 8.76 10.19 10.51
Market Ratios
Price / Earnings (x) 6.48 9.59 10.66
Price / Book (%) 87.44 71.97 69.48
Dividend Yield (%) 2.29 2.27 2.22
Data for trailing four quarters

Unity Bancorp, Inc.'s peer group consists of the following: 1st Constitution Bancorp (FCCY), Brunswick Bancorp (BRBW), ConnectOne Bancorp, Inc. (CNOB), Parke Bancorp, Inc. (PKBK), Peapack-Gladstone Financial Corporation (PGC), SB One Bancorp, Two River Bancorp

Unity Bancorp, Inc.'s financial data is as of 9/30/2020.

Peer financial data is as of 9/30/2020 except for these companies:

SB One Bancorp's financial data is as of 3/31/2020.
Two River Bancorp's financial data is as of 9/30/2019.
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