Financial insights of UNTY

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$14,390K
EPS
$1.41
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Interest-bearing deposits	472	487	332	338*
Fhlb stock	121	130	182	273*
Taxable	1,735	1,735	1,786	1,833*
Tax-exempt	18	17	18	19*
Total securities	1,753	1,752	1,804	1,852*
Sba loans	964	856	929	1,214*
Commercial loans	27,197	25,736	24,260	21,642*
Sba ppp loans	-	-	5	5*
Residential mortgage loans	10,749	10,390	9,947	9,311*
Consumer loans	1,469	1,491	1,346	1,368*
Residential construction loans	1,636	1,758	1,996	2,465*
Total loans	42,015	40,231	38,483	36,003*
Total interest income	44,361	42,600	40,801	38,465*
Interest-bearing demand deposits	1,998	1,898	1,622	1,458*
Savings deposits	3,177	2,718	2,593	2,575*
Brokered deposits	2,003	1,786	1,787	2,082*
Time deposits	6,247	6,560	6,415	4,892*
Borrowed funds and subordinated debentures	1,080	1,081	1,133	2,236*
Total interest expense	14,505	14,043	13,550	13,242*
Net interest income	29,856	28,557	27,251	25,223*
Provision for credit losses, loans	1,409	1,725	1,358	465*
(release) provision for credit gaines, off-balance sheet	-80	136	-41	-95*
Provision for credit gaines, afs securities	-	-	-	-397*
(release) provision for credit losses, securities	-787	-2,036	-	-
Net interest income after provision for credit losses	29,314	28,732	25,934	25,250*
Noninterest income-Branch Fee Income	450	-	-	-
Noninterest income-Service And Loan Fee Income	607	-	-	-
Gain on sale of sba loans held for sale, net	238	163	139	98*
Gain on sale of mortgage loans, net	582	435	168	266*
Noninterest income-Branch Fee Income	-	465	-	-
Boli income	211	183	151	58*
Noninterest income	-	-	1,311	697*
Noninterest income-Service And Loan Fee Income	-	536	-	-
Net security losss	475	3,600	-49	-192*
Other income	404	433	381	290*
Total noninterest income	2,967	5,815	2,101	1,215*
Compensation and benefits	8,430	8,160	7,902	8,072*
Processing and communications	1,150	980	986	911*
Occupancy	838	809	880	790*
Furniture and equipment	838	787	746	707*
Professional services	405	350	364	587*
Advertising	456	456	391	403*
Loan related expenses	151	265	46	277*
Deposit insurance	320	313	241	251*
Director fees	263	265	495	262*
Other expenses	564	634	560	495*
Total noninterest expense	13,415	13,019	12,611	12,753*
Income before provision for income taxes	18,866	21,528	15,424	13,712*
Provision for income taxes	4,476	5,037	3,826	2,800*
Net income	14,390	16,491	11,598	10,912

Basic EPS	1.43	1.64	1.15	1.08
Diluted EPS	1.41	1.61	1.13	1.058
Basic Average Shares	10,036,000	10,033,000	10,054,000	10,099,000
Diluted Average Shares	10,233,000	10,212,000	10,247,000	10,309,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$14,390K
EPS
$1.41
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$14,390K
EPS
$1.41
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$14,390KEPS$1.41Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$14,390KEPS$1.41Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$14,390K
EPS
$1.41
Unit: Thousand (K) dollars

Net Income
$14,390K
EPS
$1.41
Unit: Thousand (K) dollars