Unity Bancorp is a New Jersey-based community bank holding company whose sole operating subsidiary is Unity Bank. Unity Bank provides commercial and retail banking services to small and medium-sized businesses, professionals, municipalities, and individuals, primarily in New Jersey with a small presence in eastern Pennsylvania. Unity Bank operates 22 branch offices concentrated along the Route 22/Route 78 corridors across eight New Jersey counties, and also offers online and mobile banking. Unity Bank's core products are loans — primarily commercial real estate mortgages, commercial and industrial loans, SBA loans, and residential mortgages — and deposits, including checking, savings, money market, and time deposit accounts. Unity Bank generates the large majority of revenue through net interest income, which is the spread between what it earns on loans and securities and what it pays on deposits and borrowings. The bank also earns noninterest income from deposit fees, gains on SBA and mortgage loan sales, and loan servicing. Unity Bank's SBA lending program is a notable part of the business — the bank originates SBA 7(a) loans, sells the government-guaranteed portion in the secondary market for upfront premium income, and retains ongoing servicing income. Unity Bank also holds roughly $445M in municipal deposits, which serve as a significant and relatively stable funding source. Unity Bank's growth strategy centers on organic commercial loan and deposit growth within its existing footprint, supplemented by selective branch openings and potential M&A.