SBA lender profile
Unity Bank
Unity Bank appears in the public SBA loan data with 129 funded 7(a) loans totaling $141.6M, an average of $1.1M per loan, and an estimated 1,802 jobs supported. Its SBA lending concentrates in New Jersey and the Accommodation and Food Services sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
129
Total volume
$141.6M
Average loan size
$1.1M
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
1,802
Programs
7(a)
Bank profile
via FDIC- Total assets
- $7M
- Headquarters
- Dayton, OH
- FDIC cert
- #20229
- Status
- Inactive
Where Unity Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New Jersey | 87 | $99.1M |
| New York | 14 | $20.6M |
| Pennsylvania | 12 | $18.9M |
| Minnesota | 13 | $2.3M |
| Delaware | 1 | $410K |
| Montana | 1 | $150K |
What Unity Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 42 | $49.0M |
| Retail Trade | 25 | $28.4M |
| Other Services | 14 | $26.2M |
| Arts, Entertainment, Recreation | 11 | $13.2M |
| Transportation and Warehousing | 4 | $6.6M |
| Health Care and Social Assistance | 8 | $4.8M |
Unity Bank SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 19 | $27.2M |
| 2021 | 45 | $58.1M |
| 2022 | 17 | $14.2M |
| 2023 | 17 | $12.3M |
| 2024 | 7 | $7.2M |
| 2025 | 19 | $13.3M |
| 2026 | 5 | $9.2M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Unity Bank's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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