UNITY BANCORP INC /NJ/

Unity Bancorp, Inc. operates as a bank holding company for Unity Bank, providing commercial and retail banking services to individuals and businesses. The company's primary offerings include deposit products such as personal and business checking accounts, money market accounts, savings accounts, and retirement accounts. On the lending side, Unity Bank originates commercial loans, small business administration loans, consumer installment loans, mortgage products, and home equity lines of credit. The bank also engages in residential construction lending and commercial real estate financing, including loans secured by business assets such as receivables, inventory, and equipment.

Beyond traditional lending and deposit services, the company provides ancillary banking products including credit and debit cards, wire transfers, and safe deposit boxes. Unity Bank operates digital banking channels through internet and mobile platforms, and offers business services such as merchant services, escrow account management, and automated clearing house origination capabilities. Remote deposit capture and other technology-enabled services round out its service portfolio.

The company operates with a workforce of 242 full-time employees and maintains its headquarters in Clinton, New Jersey. As a regional bank holding company, Unity Bancorp's operations are concentrated in the Northeast, serving local commercial and retail customers through its subsidiary bank.