UNTY · Unity Bancorp, Inc.

Unity Bancorp’s FY2025 results reflect strong operational execution and strategic progress across key financial dimensions. Net income surged 39.8% year-over-year to $57.951 million, driven primarily by an 18.7% increase in net interest income—attributable to both balance sheet growth and margin expansion from 4.16% to 4.52%. Loan growth was broad-based: commercial loans rose 18.5% to $1.518 billion, and total gross loans increased 12.6% to $2.545 billion, despite declines in residential construction and SBA portfolios. Deposit growth of 10.7% to $2.324 billion—including 25.8% growth in brokered deposits—supported funding flexibility. The efficiency ratio improved meaningfully to 41.48%, down from 45.77%, signaling disciplined expense management even as noninterest expense rose 7.4%—largely due to compensation and occupancy costs tied to the new Madison, NJ branch opened in 2025. Noninterest income more than doubled (+74.5%) to $14.779 million, heavily influenced by $5.596 million in net security gains, of which $5.2 million was explicitly labeled one-time. Asset quality remained sound: net charge-offs were just 0.06% of average loans, and nonaccrual assets stood at 1.06% of total assets—within historical range and consistent with management’s emphasis on credit discipline. Book value per share climbed to $51.72, up from $43.61 in 2024, reinforcing capital strength and shareholder value creation. While the filing contains no forward guidance, the sustained improvement in return on average assets (2.17% vs. 1.68%) and return on average equity (18.07% vs. 14.99%) underscores the effectiveness of Unity’s diversified business model and experienced leadership team, as highlighted in Exhibit 99.1.