Unity Bancorp, Inc. (UNTY)

Solvency & Capital Structure

Total Debt

$326.4M

Net Debt

-$43.2M

Unity Bancorp, Inc. currently has $326.4M in total debt. Net debt is -$43.2M after cash offsets. This 'Net Cash' position indicates exceptional financial strength.

Financial Fundamentals

UNTY • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	0.33	0.37	-0.04Net Cash	3.19	10.2%
2026-03-31	0.26	0.34	-0.09Net Cash	3.03	8.5%
2025-12-31	0.27	0.34	-0.07Net Cash	2.97	9.0%
2025-09-30	0.24	0.29	-0.04Net Cash	2.88	8.4%
2025-06-30	0.39	0.31	0.08	2.93	13.2%
2025-03-31	0.25	0.30	-0.05Net Cash	2.77	9.2%
2024-12-31	0.23	0.20	0.03	2.65	8.7%
2024-09-30	0.28	0.29	-0.02Net Cash	2.64	10.5%
2024-06-30	0.29	0.30	-0.01Net Cash	2.60	11.0%
2024-03-31	0.31	0.28	0.03	2.57	12.1%
2023-12-31	0.37	0.29	0.08	2.58	14.2%
2023-09-30	0.40	0.25	0.15	2.56	15.6%
2023-06-30	0.43	0.24	0.19	2.55	17.0%
2023-03-31	0.38	0.22	0.16	2.48	15.5%
2022-12-31	0.40	0.21	0.19	2.44	16.3%
2022-09-30	0.29	0.12	0.17	2.34	12.4%
2022-06-30	0.18	0.12	0.06	2.12	8.3%
2022-03-31	0.05	0.10	-0.05Net Cash	2.07	2.4%
2021-12-31	0.06	0.30	-0.25Net Cash	2.03	2.7%
2021-09-30	0.07	0.06	0.01	1.99	3.5%
2021-06-30	0.18	0.06	0.12	1.97	8.9%
2021-03-31	0.18	0.06	0.12	2.00	9.0%
2020-12-31	0.21	0.07	0.14	1.96	10.9%
2020-09-30	0.25	0.07	0.18	1.93	13.0%
2020-06-30	0.23	0.08	0.16	1.90	12.3%
2020-03-31	0.18	0.08	0.10	1.74	10.3%
2019-12-31	0.29	0.09	0.21	1.72	17.1%
2019-09-30	0.22	0.08	0.14	1.66	13.2%
2019-06-30	0.20	0.07	0.13	1.63	12.3%
2019-03-31	0.21	0.07	0.14	1.59	12.9%
2018-12-31	0.22	0.07	0.15	1.58	14.0%
2018-09-30	0.19	0.07	0.12	1.55	12.3%
2018-06-30	0.23	0.08	0.15	1.51	15.2%
2018-03-31	0.19	0.07	0.12	1.44	13.3%
2017-12-31	0.29	0.08	0.21	1.46	19.6%
2017-09-30	0.16	0.07	0.09	1.33	12.2%
2017-06-30	0.15	0.08	0.08	1.28	11.9%
2017-03-31	0.13	0.07	0.06	1.23	10.6%
2016-12-31	0.15	0.06	0.08	1.19	12.3%
2016-09-30	0.13	0.07	0.06	1.15	10.9%
2016-06-30	0.12	0.07	0.06	1.13	11.0%
2016-03-31	0.11	0.08	0.03	1.12	9.4%
2015-12-31	0.11	0.08	0.03	1.08	9.9%
2015-09-30	0.11	0.08	0.03	1.05	10.0%
2015-06-30	0.13	0.08	0.05	1.02	12.7%
2015-03-31	0.17	0.08	0.09	1.04	16.5%
2014-12-31	0.14	0.09	0.05	1.01	13.9%
2014-09-30	0.12	0.10	0.02	0.97	11.9%
2014-06-30	0.14	0.10	0.04	0.93	15.1%
2014-03-31	0.13	0.12	0.01	0.96	13.6%
2013-12-31	0.12	0.11	0.02	0.92	13.3%
2013-09-30	0.09	0.11	-0.02Net Cash	0.88	10.3%
2013-06-30	0.13	0.11	0.02	0.82	15.2%
2013-03-31	0.09	0.11	-0.02Net Cash	0.83	10.9%
2012-12-31	0.09	0.11	-0.02Net Cash	0.82	11.0%
2012-09-30	0.09	0.02	0.07	0.80	11.3%
2012-06-30	0.09	0.02	0.07	0.79	11.5%
2012-03-31	0.09	0.02	0.07	0.81	11.2%
2011-12-31	0.09	0.11	-0.02Net Cash	0.81	11.2%
2011-09-30	0.02	0.02	-0.00Net Cash	0.82	1.9%
2011-06-30	0.09	0.01	0.08	0.81	11.2%
2011-03-31	0.09	0.06	0.04	0.82	11.0%
2010-12-31	0.09	0.02	0.07	0.82	11.1%
2010-09-30	0.10	0.05	0.05	0.85	12.0%
2010-06-30	0.10	0.06	0.05	0.87	11.9%
2010-03-31	0.10	0.07	0.04	0.89	11.5%
2009-12-31	0.10	0.07	0.03	0.93	10.8%
2009-09-30	0.10	0.02	0.08	0.92	10.9%
2009-06-30	0.11	0.02	0.09	0.91	12.1%
2009-03-31	0.11	0.02	0.09	0.89	12.7%
2008-12-31	0.12	0.02	0.10	0.90	13.4%
2008-09-30	0.13	0.02	0.11	0.86	15.1%
2008-06-30	0.11	0.02	0.09	0.83	13.3%
2008-03-31	0.11	0.02	0.09	0.81	13.7%
2007-12-31	0.10	0.01	0.09	0.75	13.4%
2007-09-30	0.09	0.01	0.07	0.75	11.4%
2007-06-30	0.08	0.01	0.07	0.73	11.6%
2007-03-31	0.09	0.02	0.07	0.68	13.2%
2006-12-31	0.08	0.01	0.07	0.69	11.5%
2006-09-30	0.07	0.02	0.05	0.67	10.0%
2006-06-30	0.05	0.01	0.04	0.67	7.3%
2006-03-31	0.05	0.01	0.04	0.63	7.8%
2005-12-31	0.05	0.01	0.04	0.61	8.0%
2005-09-30	0.05	0.01	0.04	0.61	8.1%
2005-06-30	0.06	0.01	0.05	0.58	10.3%
2005-03-31	0.04	0.01	0.03	0.53	7.5%
2004-12-31	0.04	0.01	0.03	0.52	8.6%
2004-09-30	0.03	0.01	0.02	0.49	6.9%
2004-06-30	0.03	0.01	0.02	0.49	6.0%
2004-03-31	0.03	0.01	0.02	0.47	6.2%
2003-12-31	0.02	0.01	0.01	0.47	4.1%
2003-09-30	0.02	0.04	-0.02Net Cash	0.45	4.6%
2003-06-30	0.01	0.01	-0.00Net Cash	0.45	2.8%
2003-03-31	0.01	0.01	0.00	0.45	2.9%
2002-12-31	0.02	0.01	0.01	0.43	5.1%
2002-09-30	0.01	0.01	-0.00Net Cash	0.42	3.0%
2002-06-30	0.01	0.01	-0.00Net Cash	0.41	3.1%
2002-03-31	0.01	0.01	-0.00Net Cash	0.39	3.3%
2001-12-31	0.02	0.02	-0.00Net Cash	0.38	4.1%
2001-09-30	0.01	0.01	-0.00Net Cash	0.37	3.5%
2001-06-30	0.01	0.01	-0.00Net Cash	0.36	3.6%
2001-03-31	0.01	0.02	-0.00Net Cash	0.37	3.5%
2000-12-31	0.01	0.01	-0.00Net Cash	0.36	3.6%
2000-09-30	0.00	0.02	-0.02Net Cash	0.41	0.8%
2000-06-30	0.00	0.03	-0.02Net Cash	0.42	0.9%
2000-03-31	0.00	0.02	-0.02Net Cash	0.41	0.9%
1999-12-31	0.06	0.02	0.04	0.44	13.0%
1999-09-30	0.03	0.02	0.02	0.44	7.7%
1999-06-30	0.01	0.02	-0.01Net Cash	0.36	1.5%
1999-03-31	0.00	0.06	-0.05Net Cash	0.30	1.1%
1998-12-31	0.00	0.03	-0.03Net Cash	0.25	0.1%
1998-09-30	0.00	0.02	-0.02Net Cash	0.24	0.1%
1998-06-30	0.00	0.03	-0.03Net Cash	0.23	0.1%
1998-03-31	0.00	0.03	-0.03Net Cash	0.22	0.1%
1997-12-31	0.00	0.03	-0.03Net Cash	0.21	0.1%
1997-09-30	0.00	0.03	-0.03Net Cash	0.20	0.1%
1997-06-30	0.00	0.03	-0.03Net Cash	0.20	0.2%
1997-03-31	0.00	0.04	-0.04Net Cash	0.19	0.2%
1996-12-31	0.00	0.03	-0.03Net Cash	0.17	0.2%
1996-09-30	0.00	0.03	-0.03Net Cash	0.16	0.0%