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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Unity Bancorp
Unity Bancorp (UNTY) investor relations material
Unity Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary13 Oct, 2026
Executive summary
Q3 2026 net income was $17.4 million, or $1.70 diluted EPS, versus $14.4 million and $1.41 a year earlier; quarterly ROAA was 2.29%.
Loan and deposit growth, higher net interest income and margin expansion supported results; asset quality improved, while tax-credit benefits and one-time costs affected earnings.
Financial highlights
Q3 net interest income was $34.3 million, up 14.9% YoY and $2.5 million QoQ; 9M net interest income was $96.8 million versus $85.7 million.
9M net income was $46.1 million versus $42.5 million; diluted EPS was $4.52 versus $4.15.
Q3 noninterest income was $2.4 million versus $3.0 million YoY and $1.9 million QoQ; 9M income was $7.2 million versus $10.9 million, including security losses in 2026.
Q3 noninterest expense rose to $15.6 million from $13.4 million YoY, including a one-time SERP amendment expense and probable $405,000 broker fees.
Gross loans rose $235.6 million, or 9.3%, from year-end 2025 to $2.78 billion; deposits increased 10.1% to $2.56 billion.
Outlook and guidance
Leadership expressed confidence in long-term prospects and continued growth opportunities, citing a strong balance sheet, customer base, and loan and deposit production.
CEO James A. Hughes is scheduled to retire March 31, 2027; President George Boyan is scheduled to become CEO April 1, 2027.
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Latest events from Unity Bancorp
- Q2 2026 net income was $14.5M, supported by strong loan and deposit growth and solid margins.UNTY
Q2 2026 - Q1 2026 net income up 23% to $14.3M, driven by loan and deposit growth and higher net interest margin.UNTYQ1 2026
- Proxy statement supplement corrects full-year diluted EPS to $5.67 for the 2026 annual meeting.UNTYProxy Filing
- 2025 saw record financial results, strong governance, and a focus on performance-based executive pay.UNTYProxy Filing
- Virtual 2026 meeting to elect directors, ratify auditors, and promote e-delivery for sustainability.UNTYProxy Filing
- Record earnings, strong loan/deposit growth, and robust capital; credit quality remains solid.UNTYQ4 2025
- 2025 proxy covers director elections, auditor ratification, and strong pay-for-performance practices.UNTYProxy Filing
- Solid financial growth, enhanced technology, and deepened community engagement marked 2024.UNTYProxy Filing
- Q3 2025 net income reached $14.4M, with 4.54% NIM and strong loan/deposit growth.UNTYQ3 2025
Next Unity Bancorp earnings date
Q4 202611 Jan, 2027
Unity Bancorp
Next Unity Bancorp earnings date
Q4 202611 Jan, 2027
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Frequently asked questions
Unity Bancorp, Inc. operates as the bank holding company for Unity Bank, a community-focused financial institution. The company provides a range of commercial and retail banking services, targeting individuals, small and medium-sized businesses, and professionals primarily in New Jersey and eastern Pennsylvania. Key offerings include personal and business checking accounts, savings accounts, time deposits, and money market accounts. Unity Bancorp also offers various loan products, including commercial loans, Small Business Administration (SBA) loans, residential mortgages, and consumer loans. Additionally, the bank provides services such as online and mobile banking, wire transfers, credit and debit cards, and safe deposit boxes. The company is headquartered in Clinton, New Jersey, and its shares are listed on the NASDAQ.