Unity Bancorp (UNTY) 10-K 4 Mar 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Feb. 28, 2020	Jun. 30, 2019
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Registrant Name	UNITY BANCORP INC /NJ/
Entity Central Index Key	0000920427
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		10,886,274
Entity Public Float			$ 177,801,701
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Well-known Seasoned Issuer	No

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 21,106	$ 20,028
Federal funds sold, interest-bearing deposits and repos	136,910	125,487
Cash and cash equivalents	158,016	145,515
Securities:
Debt securities available for sale (amortized cost of $63,883 and $47,762 in 2019 and 2018, respectively)	64,275	46,713
Securities held to maturity (fair value of $0 and $14,802 in 2019 and 2018, respectively)	0	14,875
Equity securities with readily determinable fair values (amortized cost of $2,218 and $2,394 in 2019 and 2018, respectively)	2,289	2,144
Total securities	66,564	63,732
Loans:
SBA loans held for sale	13,529	11,171
SBA loans held for investment	35,767	39,333
Commercial loans	765,032	694,102
Residential mortgage loans	467,706	436,056
Consumer loans	143,524	123,904
Total loans	1,425,558	1,304,566
Allowance for loan losses	(16,395)	(15,488)
Net loans	1,409,163	1,289,078
Premises and equipment, net	21,315	23,371
Bank owned life insurance (BOLI)	26,323	24,710
Deferred tax assets, net	5,559	5,350
Federal Home Loan Bank (FHLB) stock	14,184	10,795
Accrued interest receivable	6,984	6,399
Other real estate owned (OREO)	1,723	56
Goodwill	1,516	1,516
Prepaid expenses and other assets	7,595	8,635
Total assets	1,718,942	1,579,157
Liabilities:
Noninterest-bearing demand	279,793	270,152
Interest-bearing demand	176,335	185,792
Savings	389,795	394,727
Time, under $100,000	195,446	184,022
Time, $100,000 to $250,000	126,192	116,147
Time, $250,000 and over	82,553	56,847
Total deposits	1,250,114	1,207,687
Borrowed funds	283,000	210,000
Subordinated debentures	10,310	10,310
Accrued interest payable	455	406
Accrued expenses and other liabilities	14,354	12,266
Total liabilities	1,558,233	1,440,669
Shareholders' equity:
Common stock, no par value, 12,500 shares authorized, 10,881 shares issued and outstanding in 2019; 10,780 shares issued and outstanding in 2018	90,113	88,484
Retained earnings	70,442	50,161
Accumulated other comprehensive income (loss)	154	(157)
Total shareholders' equity	160,709	138,488
Total liabilities and shareholders' equity	$ 1,718,942	$ 1,579,157

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Securities available for sale, amortized cost	$ 63,883	$ 47,762
Held to maturity securities, fair value	0	14,802
Equity securities, amortized cost	$ 2,218	$ 2,394
Common stock, no par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	12,500,000	12,500,000
Common stock, shares issued (in shares)	10,881,000	10,780,000
Common stock, shares outstanding (in shares)	10,881,000	10,780,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
INTEREST INCOME
Federal funds sold, interest-bearing deposits and repos	$ 906	$ 773	$ 851
FHLB stock	385	462	370
Securities:
Taxable	1,926	1,907	2,029
Tax-exempt	104	117	159
Total securities	2,030	2,024	2,188
Loans:
SBA loans	3,780	4,338	3,805
Commercial loans	37,577	33,886	28,150
Residential mortgage loans	22,483	18,837	14,650
Consumer loans	8,487	6,943	5,296
Total loans	72,327	64,004	51,901
Total interest income	75,648	67,263	55,310
INTEREST EXPENSE
Interest-bearing demand deposits	1,795	1,202	665
Savings deposits	4,497	3,871	2,738
Time deposits	9,460	5,903	3,278
Borrowed funds and subordinated debentures	2,303	2,540	2,772
Total interest expense	18,055	13,516	9,453
Net interest income	57,593	53,747	45,857
Provision for loan losses	2,100	2,050	1,650
Net interest income after provision for loan losses	55,493	51,697	44,207
NONINTEREST INCOME
Branch fee income	1,502	1,519	1,384
Service and loan fee income	1,965	2,130	2,100
Gain on sale of SBA loans held for sale, net	909	1,680	1,617
Gain on sale of mortgage loans, net	2,090	1,719	1,530
BOLI income	588	975	469
Net security gains (losses)	373	(199)	62
Gain on sale of premises and equipment	766	0	0
Other income	1,346	1,207	1,108
Total noninterest income	9,539	9,031	8,270
NONINTEREST EXPENSE
Compensation and benefits	20,666	20,119	17,117
Occupancy	2,650	2,739	2,381
Processing and communications	2,924	2,788	2,551
Furniture and equipment	2,894	2,348	2,079
Professional services	1,061	934	1,022
Loan collection and OREO expenses (recoveries)	41	(361)	463
Other loan expenses	272	208	186
Deposit insurance	301	782	546
Advertising	1,358	1,411	1,179
Director fees	673	671	637
Other expenses	1,877	1,782	1,883
Total noninterest expense	34,717	33,421	30,044
Income before provision for income taxes	30,315	27,307	22,433
Provision for income taxes	6,662	5,388	9,540
Net income	$ 23,653	$ 21,919	$ 12,893
Net income per common share - Basic (in dollars per share)	$ 2.18	$ 2.04	$ 1.22
Net income per common share - Diluted (in dollars per share)	$ 2.14	$ 2.01	$ 1.20
Weighted average common shares outstanding - Basic (in shares)	10,845	10,726	10,558
Weighted average common shares outstanding - Diluted (in shares)	11,029	10,916	10,749

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net income, before tax amount	$ 30,315	$ 27,307	$ 22,433
Income tax expense (benefit)	6,662	5,388	9,540
Net income	23,653	21,919	12,893
Investment securities available for sale:
Unrealized holding (losses) gains on securities arising during the period, before tax	1,814	(756)	(152)
Unrealized holding (losses) gains on securities arising during the period, tax	482	(225)	(18)
Unrealized holding (losses) gains on securities arising during the period, net	1,332	(531)	(134)
Less: reclassification adjustment for gains on securities included in net income, before tax	373	(183)	62
Less: reclassification adjustment for gains on securities included in net income, tax	78	(38)	22
Less: reclassification adjustment for gains on securities included in net income, net of tax	295	(145)	40
Total unrealized (losses) gains on securities available for sale, before tax	1,441	(573)	(214)
Total unrealized (losses) gains on securities available for sale, tax	404	(187)	(40)
Total unrealized (losses) gains on securities available for sale, net of tax	1,037	(386)	(174)
Adjustments related to defined benefit plan:
Adjustments related to defined benefit plan, Amortization (accretion) of prior service cost, before tax	83	83	83
Adjustments related to defined benefit plan, Amortization (accretion) of prior service cost, tax	(53)	173	33
Adjustments related to defined benefit plan, Amortization (accretion) of prior service cost, net of tax	136	(90)	50
Total adjustments related to defined benefit plan, before tax	83	83	83
Total adjustments related to defined benefit plan, tax	(53)	173	33
Total adjustments related to defined benefit plan, net of tax	136	(90)	50
Net unrealized losses from cash flow hedges:
Unrealized holding gains on cash flow hedges arising during the period, before tax	(1,195)	25	204
Unrealized holding gains on cash flow hedges arising during the period, tax	(333)	(123)	34
Unrealized holding gains on cash flow hedges arising during the period, net of tax	(862)	148	170
Total unrealized gains on cash flow hedges, before tax	(1,195)	25	204
Total unrealized gains on cash flow hedges, tax	(333)	(123)	34
Total unrealized gains on cash flow hedges, net of tax	(862)	148	170
Total other comprehensive income, before tax	329	(465)	73
Total other comprehensive income, tax	18	(137)	27
Period change	311	(328)	46
Total comprehensive income, before tax	30,644	26,842	22,506
Total comprehensive income tax	6,680	5,251	9,567
Total comprehensive income	$ 23,964	$ 21,591	$ 12,939

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands		Total	Common stock	Retained earnings	[1]	Accumulated other comprehensive income (loss)
Beginning Balance (in shares) at Dec. 31, 2016			10,477,000
Beginning balance at Dec. 31, 2016		$ 106,291	$ 85,383	$ 20,748		$ 160
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		12,893		12,893
Other comprehensive loss, net of tax		46				46
Dividends on common stock		(2,380)	$ 144	(2,524)
Common stock issued and related tax effects (in shares)	[2]		138,000
Common stock issued and related tax effects	[2]	1,255	$ 1,255
Ending Balance (in shares) at Dec. 31, 2017			10,615,000
Ending balance at Dec. 31, 2017		118,105	$ 86,782	31,117		206
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		21,919		21,919
Other comprehensive loss, net of tax		(328)				(328)
Dividends on common stock		(2,802)	$ 107	(2,910)
Common stock issued and related tax effects (in shares)	[2]		165,000
Common stock issued and related tax effects	[2]	$ 1,595	$ 1,595
Ending Balance (in shares) at Dec. 31, 2018		10,780,000	10,780,000
Ending balance at Dec. 31, 2018		$ 138,488	$ 88,484	50,161		(157)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		23,653		23,653
Other comprehensive loss, net of tax		311				311
Dividends on common stock		(3,255)	$ 117	(3,372)
Common stock issued and related tax effects (in shares)	[2]		101,000
Common stock issued and related tax effects	[2]	$ 1,512	$ 1,512
Ending Balance (in shares) at Dec. 31, 2019		10,881,000	10,881,000
Ending balance at Dec. 31, 2019		$ 160,709	$ 90,113	$ 70,442		$ 154
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Retained earnings impact due to adoption of ASU | Accounting Standards Update 2016-01		$ 40
[1]	(2) 2017 includes the impact of implementing ASU 2016-09, “Compensation - Stock Compensation (Topic 718),” which resulted in a cumulative-effect adjustment of $498 thousand to retained earnings.
[2]	(1) Includes the issuance of common stock under employee benefit plans, which includes nonqualified stock options and restricted stock expense related entries, employee option exercises and the tax benefit of options exercised.

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jan. 01, 2018
Common stock, dividends, per share, cash paid (in dollars per share)	$ 0.31	$ 0.27	$ 0.23
Cumulative effect adjustment				$ 0
Retained earnings
Cumulative effect adjustment				75
Accounting Standards Update 2016-09 | Retained earnings
Cumulative effect adjustment	$ 498
Accounting Standards Update 2016-01
Cumulative effect adjustment	40			0
Accounting Standards Update 2016-01 | Retained earnings
Cumulative effect adjustment				$ (40)
Accounting Standards Update 2018-02
Cumulative effect adjustment	$ 75

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
OPERATING ACTIVITIES:
Net income	$ 23,653,000	$ 21,919,000	$ 12,893,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	2,100,000	2,050,000	1,650,000
Net amortization of purchase premiums and discounts on securities	189,000	220,000	290,000
Depreciation and amortization	1,619,000	1,937,000	1,238,000
Deferred income tax (benefit) expense	(299,000)	(1,262,000)	1,546,000
Net security (gains) losses	(52,000)	4,000	(62,000)
Stock compensation expense	1,271,000	1,053,000	746,000
(Gain) loss on sale of OREO	(16,000)	(169,000)	245,000
Valuation writedowns on OREO	0	0	151,000
Gain on sale of mortgage loans held for sale, net	(2,143,000)	(1,390,000)	(1,699,000)
Gain on sale of SBA loans held for sale, net	(909,000)	(1,680,000)	(1,617,000)
Origination of mortgage loans held for sale	(120,173,000)	(80,729,000)	(82,088,000)
Origination of SBA loans held for sale	(10,246,000)	(9,510,000)	(24,394,000)
Proceeds from sale of mortgage loans held for sale, net	122,316,000	82,119,000	83,787,000
Proceeds from sale of SBA loans held for sale, net	15,768,000	23,939,000	20,998,000
BOLI income	(588,000)	(975,000)	(469,000)
Gain on sale of premises and equipment	(766,000)	0	0
Net change in other assets and liabilities	1,480,000	1,064,000	1,234,000
Net cash provided by operating activities	33,204,000	38,590,000	14,449,000
INVESTING ACTIVITIES
Purchases of securities held to maturity	0	0	(163,000)
Purchase of equity securities	0	(1,133,000)	0
Purchases of securities available for sale	(13,084,000)	(579,000)	(29,382,000)
Purchases of FHLB stock, at cost	(90,644,000)	(72,115,000)	(17,408,000)
Maturities and principal payments on securities held to maturity	633,000	1,393,000	4,278,000
Maturities and principal payments on securities available for sale	5,441,000	5,396,000	13,220,000
Proceeds from sales of securities held to maturity	0	0	529,000
Proceeds from sales of equity securities	198,000	0	0
Proceeds from sales of securities available for sale	5,606,000	0	2,777,000
Proceeds from redemption of FHLB stock	87,255,000	74,183,000	10,583,000
Proceeds from sale of OREO	269,000	440,000	1,034,000
Net increase in loans	(128,876,000)	(147,223,000)	(193,592,000)
Proceeds from BOLI	0	492,000	0
Purchase of BOLI	(1,025,000)	0	(10,000,000)
Proceeds from sale of premises and equipment	1,821,000	0	0
Purchases of premises and equipment	(709,000)	(1,507,000)	(1,509,000)
Net cash used in investing activities	(133,115,000)	(140,653,000)	(219,633,000)
FINANCING ACTIVITIES
Net increase in deposits	42,427,000	164,550,000	97,414,000
Proceeds from new borrowings	283,000,000	210,000,000	220,000,000
Repayments of borrowings	(210,000,000)	(275,000,000)	(66,000,000)
Proceeds from exercise of stock options	453,326	576,119	509,047
Market value of shares withheld to cover employee tax liability	(213,000)	0	0
Dividends on common stock	(3,255,000)	(2,802,000)	(2,380,000)
Net cash provided by financing activities	112,412,000	97,324,000	249,543,000
Increase (decrease) in cash and cash equivalents	12,501,000	(4,739,000)	44,359,000
Cash and cash equivalents, beginning of year	145,515,000	150,254,000	105,895,000
Cash and cash equivalents, end of year	158,016,000	145,515,000	150,254,000
SUPPLEMENTAL DISCLOSURES
Interest paid	18,006,000	13,546,000	9,447,000
Income taxes paid	8,222,000	5,941,000	7,002,000
Noncash investing activities:
Transfer of securities held to maturity to available for sale	14,221,000	0	0
Establishment of lease liability and right-of-use asset	3,234,000	0	0
Transfer of SBA loans held for sale to held to maturity	0	0	13,000
Capitalization of servicing rights	643,000	938,000	172,000
Transfer of loans to OREO	$ 2,151,000	$ 127,000	$ 872,000

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Overview The accompanying Consolidated Financial Statements include the accounts of Unity Bancorp, Inc. (the “Parent Company”) and its wholly-owned subsidiary, Unity Bank (the “Bank” or when consolidated with the Parent Company, the “Company”). All significant intercompany balances and transactions have been eliminated in consolidation. Unity Bancorp, Inc. is a bank holding company incorporated in New Jersey and registered under the Bank Holding Company Act of 1956, as amended. Its wholly-owned subsidiary, the Bank, is chartered by the New Jersey Department of Banking and Insurance. The Bank provides a full range of commercial and retail banking services through nineteen branch offices located in Bergen, Hunterdon, Middlesex, Somerset, Union and Warren counties in New Jersey and Northampton County in Pennsylvania. These services include the acceptance of demand, savings, and time deposits and the extension of consumer, real estate, Small Business Administration (“SBA”) and other commercial credits. Unity Bank has nine wholly-owned subsidiaries: Unity Investment Services, Inc., AJB Residential Realty Enterprises, Inc., AJB Commercial Realty, Inc., MKCD Commercial, Inc., JAH Commercial, Inc., UB Commercial LLC, ASBC Holdings LLC, Unity Property Holdings 1, Inc., and Unity Property Holdings 2, Inc. Unity Investment Services, Inc. is used to hold and administer part of the Bank’s investment portfolio. The other subsidiaries hold, administer and maintain the Bank’s other real estate owned (“OREO”) properties. Unity Investment Services, Inc. has one subsidiary, Unity Delaware Investment 2, Inc., which has one subsidiary, Unity NJ REIT, Inc. Unity NJ REIT, Inc. was formed in 2013 to hold loans. The Company has two wholly-owned subsidiaries: Unity (NJ) Statutory Trust II and Unity Risk Management, Inc. For additional information on Unity (NJ) Statutory Trust II, see Note 9 to the Consolidated Financial Statements. Unity Risk Management, Inc. is the Company's captive insurance company that insures risks to the Bank not insured by the traditional commercial insurance market. Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Amounts requiring the use of significant estimates include the allowance for loan losses, valuation of deferred tax and servicing assets, the carrying value of loans held for sale and other real estate owned, the valuation of securities and the determination of other-than-temporary impairment for securities and fair value disclosures. Actual results could differ from those estimates. Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and interest-bearing deposits. Securities The Company classifies its securities into three categories, available for sale, held to maturity and equity investments. Securities that are classified as available for sale are stated at fair value. Unrealized gains and losses on securities available for sale are generally excluded from results of operations and are reported as other comprehensive income, a separate component of shareholders' equity, net of taxes. Securities classified as available for sale include securities that may be sold in response to changes in interest rates, changes in prepayment risks or for asset/liability management purposes. The cost of securities sold is determined on a specific identification basis. Gains and losses on sales of securities are recognized in the Consolidated Statements of Income on the date of sale. Securities are classified as held to maturity based on management’s intent and ability to hold them to maturity. Such securities are stated at cost, adjusted for unamortized purchase premiums and discounts using the level yield method. If transfers between the available for sale and held to maturity portfolios occur, they are accounted for at fair value and unrealized holding gains and losses are accounted for at the date of transfer. For securities transferred to available for sale from held to maturity, unrealized gains or losses as of the date of the transfer are recognized in other comprehensive income (loss), a separate component of shareholders’ equity. For securities transferred into the held to maturity portfolio from the available for sale portfolio, unrealized gains or losses as of the date of transfer continue to be reported in other comprehensive income (loss), and are amortized over the remaining life of the security as an adjustment to its yield, consistent with amortization of the premium or accretion of the discount. Equity securities are investments carried at fair value that may be sold in response to changing market and interest rate conditions or for other business purposes. Activity in this portfolio is undertaken primarily to manage liquidity and interest rate risk, to take advantage of market conditions that create economically attractive returns and as an additional source of earnings. These securities were transferred from available for sale and reclassified into equity securities on the balance sheet as a result of the adoption of ASU 2016-01 in January 2018. Periodic net gains and losses on equity investments are recognized in the income statement as realized gains and losses. For additional information on securities, see Note 3 to the Consolidated Financial Statements. Other-Than-Temporary Impairment The Company has a process in place to identify debt securities that could potentially incur credit impairment that is other-than-temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts and cash flow projections as indicators of credit issues. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concern warrants such evaluation. This evaluation considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (1) the extent and length of time the fair value has been below cost; (2) the reasons for the decline in value; (3) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (4) for fixed maturity securities, the intent to sell a security or whether it is more likely than not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity. For debt securities that are considered other-than-temporarily impaired where management has no intent to sell and the Company has no requirement to sell prior to recovery of its amortized cost basis, the amount of the impairment is separated into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between the security’s amortized cost basis and the present value of its expected future cash flows. The remaining difference between the security’s fair value and the present value of future expected cash flows is due to factors that are not credit related and is recognized in other comprehensive income. For debt securities where management has the intent to sell, the amount of the impairment is reflected in earnings as realized losses. The present value of expected future cash flows is determined using the best estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds and structural support, including subordination and guarantees. The corporate bond cash flow estimates are derived from scenario-based outcomes of expected corporate restructurings or the disposition of assets using bond specific facts and circumstances including timing, security interests and loss severity. Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Loans Loans Held for Sale Loans held for sale represent the guaranteed portion of SBA loans and are reflected at the lower of aggregate cost or market value. The Company originates loans to customers under an SBA program that historically has provided for SBA guarantees of up to 90 percent of each loan. The Company generally sells the guaranteed portion of its SBA loans to a third party and retains the servicing, holding the nonguaranteed portion in its portfolio. The net amount of loan origination fees on loans sold is included in the carrying value and in the gain or loss on the sale. When sales of SBA loans do occur, the premium received on the sale and the present value of future cash flows of the servicing assets are recognized in income. All criteria for sale accounting must be met in order for the loan sales to occur; see details under the “Transfers of Financial Assets” heading above. Servicing assets represent the estimated fair value of retained servicing rights, net of servicing costs, at the time loans are sold. Servicing assets are amortized in proportion to, and over the period of, estimated net servicing revenues. Impairment is evaluated based on stratifying the underlying financial assets by date of origination and term. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Any impairment, if temporary, would generally be reported as a valuation allowance. Serviced loans sold to others are not included in the accompanying Consolidated Balance Sheets. Income and fees collected for loan servicing are credited to noninterest income when earned, net of amortization on the related servicing assets. For additional information on servicing assets, see Note 4 to the Consolidated Financial Statements. Loans Held for Investment Loans held for investment are stated at the unpaid principal balance, net of unearned discounts and deferred loan origination fees and costs. In accordance with the level yield method, loan origination fees, net of direct loan origination costs, are deferred and recognized over the estimated life of the related loans as an adjustment to the loan yield. Interest is credited to operations primarily based upon the principal balance outstanding. Loans are reported as past due when either interest or principal is unpaid in the following circumstances: fixed payment loans when the borrower is in arrears for two or more monthly payments; open end credit for two or more billing cycles; and single payment notes if interest or principal remains unpaid for 30 days or more. Nonperforming loans consist of loans that are not accruing interest as a result of principal or interest being delinquent for a period of 90 days or more or when the ability to collect principal and interest according to the contractual terms is in doubt (nonaccrual loans). When a loan is classified as nonaccrual, interest accruals are discontinued and all past due interest previously recognized as income is reversed and charged against current period earnings. Generally, until the loan becomes current, any payments received from the borrower are applied to outstanding principal until such time as management determines that the financial condition of the borrower and other factors merit recognition of a portion of such payments as interest income. Loans may be returned to an accrual status when the ability to collect is reasonably assured and when the loan is brought current as to principal and interest. Loans are charged off when collection is sufficiently questionable and when the Company can no longer justify maintaining the loan as an asset on the balance sheet. Loans qualify for charge-off when, after thorough analysis, all possible sources of repayment are insufficient. These include: 1) potential future cash flows, 2) value of collateral, and/or 3) strength of co-makers and guarantors. All unsecured loans are charged off upon the establishment of the loan’s nonaccrual status. Additionally, all loans classified as a loss or that portion of the loan classified as a loss is charged off. All loan charge-offs are approved by the Board of Directors. Troubled debt restructurings ("TDRs") occur when a creditor, for economic or legal reasons related to a debtor’s financial condition, grants a concession to the debtor that it would not otherwise consider. These concessions typically include reductions in interest rate, extending the maturity of a loan, or a combination of both. Interest income on accruing TDRs is credited to operations primarily based upon the principal amount outstanding, as stated in the paragraphs above. The Company evaluates its loans for impairment. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. The Company has defined impaired loans to be all TDRs and nonperforming loans. Impairment is evaluated in total for smaller-balance loans of a similar nature (consumer and residential mortgage loans), and on an individual basis for all other loans. Impairment of a loan is measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate, or as a practical expedient, based on a loan’s observable market price or the fair value of collateral, net of estimated costs to sell, if the loan is collateral-dependent. If the value of the impaired loan is less than the recorded investment in the loan, the Company establishes a valuation allowance, or adjusts existing valuation allowances, with a corresponding charge to the provision for loan losses. For additional information on loans, see Note 4 to the Consolidated Financial Statements. Allowance for Loan Losses and Reserve for Unfunded Loan Commitments The allowance for loan losses is maintained at a level management considers adequate to provide for probable loan losses as of the balance sheet date. The allowance is increased by provisions charged to expense and is reduced by net charge-offs. The level of the allowance is based on management’s evaluation of probable losses in the loan portfolio, after consideration of prevailing economic conditions in the Company’s market area, the volume and composition of the loan portfolio, and historical loan loss experience. The allowance for loan losses consists of specific reserves for individually impaired credits and TDRs, reserves for nonimpaired loans based on historical loss factors adjusted for general economic factors and other qualitative risk factors such as changes in delinquency trends, industry concentrations or local/national economic trends. This risk assessment process is performed at least quarterly, and, as adjustments become necessary, they are realized in the periods in which they become known. Although management attempts to maintain the allowance at a level deemed adequate to provide for probable losses, future additions to the allowance may be necessary based upon certain factors including changes in market conditions and underlying collateral values. In addition, various regulatory agencies periodically review the adequacy of the Company’s allowance for loan losses. These agencies may require the Company to make additional provisions based on judgments about information available at the time of the examination. The Company maintains a reserve for unfunded loan commitments at a level that management believes is adequate to absorb estimated probable losses. Adjustments to the reserve are made through other expenses and applied to the reserve which is classified as other liabilities. For additional information on the allowance for loan losses and reserve for unfunded loan commitments, see Note 5 to the Consolidated Financial Statements. Premises and Equipment, net Land is carried at cost. All other fixed assets are carried at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. The useful life of buildings is not to exceed 30 years ; furniture and fixtures is generally 10 years or less, and equipment is 3 to 5 years . Leasehold improvements are depreciated over the life of the underlying lease. For additional information on premises and equipment, see Note 6 to the Consolidated Financial Statements. Bank Owned Life Insurance The Company purchased life insurance policies on certain members of management. Bank owned life insurance is recorded at its cash surrender value or the amount that can be realized. Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank system to hold stock of its district FHLB according to a predetermined formula. The stock is carried at cost. Management reviews the stock for impairment based on the ultimate recoverability of the cost basis in the stock. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. Management considers such criteria as the significance of the decline in net assets, if any, of the FHLB, the length of time this situation has persisted, commitments by the FHLB to make payments required by law or regulation, the impact of legislative and regulatory changes on the customer base of the FHLB and the liquidity position of the FHLB. Accrued Interest Receivable Accrued interest receivable consists of amounts earned on investments and loans. The Company recognizes accrued interest receivable as it is earned. Other Real Estate Owned Other real estate owned is recorded at the fair value, less estimated costs to sell at the date of acquisition, with a charge to the allowance for loan losses for any excess of the loan carrying value over such amount. Subsequently, OREO is carried at the lower of cost or fair value, as determined by current appraisals. Certain costs that increase the value or extend the useful life in preparing properties for sale are capitalized to the extent that the appraisal amount exceeds the carry value, and expenses of holding foreclosed properties are charged to operations as incurred. Goodwill The Company accounts for goodwill and other intangible assets in accordance with FASB ASC Topic 350, “Intangibles – Goodwill and Other,” which allows an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. Based on a qualitative assessment, management determined that the Company’s recorded goodwill totaling $ 1.5 million , which resulted from the 2005 acquisition of its Phillipsburg, New Jersey branch, is not impaired as of December 31, 2019 . Appraisals The Company requires current real estate appraisals on all loans that become OREO or in-substance foreclosure, loans that are classified substandard, doubtful or loss, or loans that are over $ 100,000 and nonperforming. Prior to each balance sheet date, the Company values impaired collateral-dependent loans and OREO based upon a third party appraisal, broker's price opinion, drive by appraisal, automated valuation model, updated market evaluation, or a combination of these methods. The amount is discounted for the decline in market real estate values (for original appraisals), for any known damage or repair costs, and for selling and closing costs. The amount of the discount is dependent upon the method used to determine the original value. The original appraisal is generally used when a loan is first determined to be impaired. When applying the discount, the Company takes into consideration when the appraisal was performed, the collateral’s location, the type of collateral, any known damage to the property and the type of business. Subsequent to entering impaired status and the Company determining that there is a collateral shortfall, the Company will generally, depending on the type of collateral, order a third party appraisal, broker's price opinion, automated valuation model or updated market evaluation. Subsequent to receiving the third party results, the Company will discount the value 6 to 10 percent for selling and closing costs. Derivative Instruments and Hedging Activities We use financial derivatives as part of our overall asset and liability risk management process to help manage exposure to market risk inherent in our business activities. The Company's derivative instruments currently consist of cash flow hedges. We recognize all derivative instruments at fair value as either Other assets or Other liabilities on the Consolidated Balance Sheet and the related cash flows in the Operating Activities section of the Consolidated Statement of Cash Flows. For cash flow hedges (i.e., hedging the exposure to variability in expected future cash flows), the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. Changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings as non-interest income. For additional information on derivative instruments and hedging activities, see Note 9 to the Consolidated Financial Statements. Income Taxes The Company follows Financial Accounting Standards Board Accounting Standards Codification ("FASB ASC") Topic 740, “Income Taxes,” which prescribes a threshold for the financial statement recognition of income taxes and provides criteria for the measurement of tax positions taken or expected to be taken in a tax return. ASC 740 also includes guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition of income taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using the enacted tax rates applicable to taxable income for the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation reserves are established against certain deferred tax assets when it is more likely than not that the deferred tax assets will not be realized. Increases or decreases in the valuation reserve are charged or credited to the income tax provision. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that ultimately would be sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. The evaluation of a tax position taken is considered by itself and not offset or aggregated with other positions. Tax positions that meet the more likely than not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are recognized in income tax expense on the income statement. For additional information on income taxes, see Note 16 to the Consolidated Financial Statements. Net Income Per Share Basic net income per common share is calculated as net income available to common shareholders divided by the weighted average common shares outstanding during the reporting period. Diluted net income per common share is computed similarly to that of basic net income per common share, except that the denominator is increased to include the number of additional common shares that would have been outstanding if all potentially dilutive common shares, principally stock options, were issued during the reporting period utilizing the Treasury stock method. However, when a net loss rather than net income is recognized, diluted earnings per share equals basic earnings per share. For additional information on net income per share, see Note 17 to the Consolidated Financial Statements. Stock-Based Compensation The Company accounts for its stock-based compensation awards in accordance with FASB ASC Topic 718, “Compensation – Stock Compensation,” which requires recognition of compensation expense related to stock-based compensation awards over the period during which an employee is required to provide service for the award. Compensation expense is equal to the fair value of the award, net of estimated forfeitures, and is recognized over the vesting period of such awards. For additional information on the Company’s stock-based compensation, see Note 19 to the Consolidated Financial Statements. Fair Value The Company follows FASB ASC Topic 820, “Fair Value Measurement and Disclosures,” which provides a framework for measuring fair value under generally accepted accounting principles. For additional information on the fair value of the Company’s financial instruments, see Note 20 to the Consolidated Financial Statements. Other Comprehensive Income Other comprehensive income consists of the change in unrealized gains (losses) on SERP, securities available for sale and swap related items that were reported as a component of shareholders’ equity, net of tax. For additional information on other comprehensive income, see Note 12 to the Consolidated Financial Statements. Advertising The Company expenses the costs of advertising in the period incurred. Dividend Restrictions Banking regulations require maintaining certain capital levels that may limit the dividends paid by the Bank to the holding company or by the holding company to the shareholders. Operating Segments While management monitors the revenue streams of its various products and services, operating results and financial performance are evaluated on a company-wide basis. The Company’s management uses consolidated results to make operating and strategic decisions. Accordingly, there is only one reportable segment. Recent Accounting Pronouncements ASU 2016-13, "Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." ASU 2016-13 was issued to replace the incurred loss impairment methodology in current GAAP with an expected credit loss methodology and requires consideration of a broader range of information to determine credit loss estimates. Financial assets measured at amortized cost will be presented at the net amount expected to be collected by using an allowance for credit losses. Purchased credit impaired loans will receive an allowance account at the acquisition date that represents a component of the purchase price allocation. Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses, with such allowance limited to the amount by which fair value is below amortized cost. For public business entities, ASU 2016-13 is effective for interim and annual reporting periods beginning after December 15, 2019. In May 2019, FASB issued ASU 2019-05, "Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief." ASU 2019-05 was issued to address concerns with the adoption of ASU 2016-13. ASU 2019-05 gives entities the ability to irrevocable elect the fair value option in Subtopic 825-10 for certain existing financial assets upon transition to ASU 2016-03. Financial assets that are eligible for this fair value election are those that qualify under Subtopic 825-10 and are within the scope of Subtopic 326-10, "Financial Instruments - Credit Losses - Measured at Amortized Costs." An exception to this is held-to-maturity debt securities, which do not qualify for this transition election. The effective date for the amendment is the same as the effective date in ASU 2016-03. In November 2019, FASB issued ASU 2019-10, "Financial Instruments - Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842): Effective Dates." ASU 2019-10 was issued to defer the effective dates for certain guidance in its Accounting Standard Codification ("ASC") for certain entities. The amendments in this update amend the mandatory effective dates for ASC 326, "Financial Instruments - Credit Losses", for entities eligible to be smaller reporting companies as defined by the SEC for fiscal years beginning after December 15, 2022, including interim reporting periods within that reporting period. The Company is currently evaluating the impact of the adoption of ASU 2016-13 on its consolidated financial statements. In November 2019, FASB issued ASU 2019-11, "Codification Improvements to Topic 326, Financial Instruments - Credit Losses." ASU 2019-11 was issued to address issues raise by stakeholders during the implementation of ASU 2016-13. ASU 2019-11 provides transition relief when adjusting the effective interest rate for troubled debt restructurings ("TDRs") that exist as of the adoption date, extends the disclosure relief in ASU 2019-04 to disclose accrued interest receivable balances separately from the amortized cost basis to addtional disclosures involving amortized cost basis, and provides clarification regarding application of the guidance in paragraph 326-20-35-6 for financial assets secured by collateral maintenance provisions that provides a practical expedient to measure the estimate of expected credit losses by comparing the amortized cost basis of a financial asset and the fair value of collateral securing the financial asset as of the reporting date. The effective date and transition requirements for the amendment are the same as the effective date and transition requirements in ASU 2016-13. ASU 2017-04, "Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment." ASU 2017-04 was issued in an effort to simplify accounting in a new standard. The amendments in this update require that an entity perform its annual or interim goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. The amendment states that an entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value, but the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. For public business entities, ASU 2017-04 is e

Restrictions on Cash

Restrictions on Cash	12 Months Ended
	Dec. 31, 2019
Cash and Cash Equivalents [Abstract]
Restrictions on Cash	Restrictions on Cash Federal law requires depository institutions to hold reserves in the form of vault cash or, if vault cash is insufficient, in the form of a deposit maintained with a Federal Reserve Bank. The dollar amount of a depository institution's reserve requirement is determined by applying the reserve ratios specified in the FRB’s Regulation D to an institution's reservable liabilities. As of December 31, 2019 and December 31, 2018, the Company required $25.5 million and $23.1 million of additional reserves to meet its reserve requirements. In addition, the Company’s contract with its current electronic funds transfer (“EFT”) provider requires a predetermined balance be maintained in a settlement account controlled by the provider equal to the Company’s average daily net settlement position multiplied by four days. The required balance was $ 156 thousand as of December 31, 2019 and 2018 . This balance can be adjusted periodically to reflect actual transaction volume and seasonal factors. As of December 31, 2019 , Unity Risk Management, Inc. had a total cash balance of $1.9 million , compared to $1.7 million at December 31, 2018 .

Securities

Securities	12 Months Ended
	Dec. 31, 2019
Marketable Securities [Abstract]
Securities	Securities This table provides the major components of debt securities available for sale (“AFS”), held to maturity (“HTM”) and equity securities with readily determinable fair values ("equity securities") at amortized cost and estimated fair value at December 31, 2019 and December 31, 2018 : December 31, 2019 December 31, 2018 (In thousands) Amortized cost Gross unrealized gains Gross unrealized losses Estimated fair value Amortized cost Gross unrealized gains Gross unrealized losses Estimated fair value Available for sale: U.S. Government sponsored entities $ 5,751 $ 4 $ (2 ) $ 5,753 $ 5,758 $ — $ (116 ) $ 5,642 State and political subdivisions 4,992 174 (12 ) 5,154 4,614 4 (120 ) 4,498 Residential mortgage-backed securities 27,698 372 (106 ) 27,964 27,159 74 (620 ) 26,613 Corporate and other securities 25,442 230 (268 ) 25,404 10,231 123 (394 ) 9,960 Total debt securities available for sale $ 63,883 $ 780 $ (388 ) $ 64,275 $ 47,762 $ 201 $ (1,250 ) $ 46,713 Held to maturity: U.S. Government sponsored entities $ — $ — $ — $ — $ 2,527 $ — $ (94 ) $ 2,433 State and political subdivisions — — — — 951 110 — 1,061 Residential mortgage-backed securities — — — — 3,312 17 (52 ) 3,277 Commercial mortgage-backed securities — — — — 3,570 — (138 ) 3,432 Corporate and other securities — — — — 4,515 84 — 4,599 Total securities held to maturity $ — $ — $ — $ — $ 14,875 $ 211 $ (284 ) $ 14,802 Equity securities: Total equity securities $ 2,218 $ 142 $ (71 ) $ 2,289 $ 2,394 $ — $ (250 ) $ 2,144 This table provides the remaining contractual maturities and yields of securities within the investment portfolios. The carrying value of securities at December 31, 2019 is distributed by contractual maturity. Mortgage-backed securities and other securities, which may have principal prepayment provisions, are distributed based on contractual maturity. Expected maturities will differ materially from contractual maturities as a result of early prepayments and calls. Within one year After one through five years After five through ten years After ten years Total carrying value (In thousands, except percentages) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale at fair value: U.S. Government sponsored entities $ 1,752 1.75 % $ 4,001 1.83 % $ — — % $ — — % $ 5,753 1.81 % State and political subdivisions 195 3.80 601 3.92 3,345 3.41 1,013 2.74 5,154 3.35 Residential mortgage-backed securities 3 4.79 375 2.33 2,475 2.47 25,111 2.75 27,964 2.72 Corporate and other securities — — 3,816 3.34 16,354 4.84 5,234 5.07 25,404 4.66 Total debt securities available for sale $ 1,950 1.96 % $ 8,793 2.65 % $ 22,174 4.36 % $ 31,358 3.13 % $ 64,275 3.46 % Equity securities at fair value: Total equity securities $ — — % $ — — % $ — — % $ 2,289 2.21 % $ 2,289 2.21 % The fair value of securities with unrealized losses by length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2019 and December 31, 2018 are as follows: December 31, 2019 Less than 12 months 12 months and greater Total (In thousands, except number in a loss position) Total number in a loss position Estimated fair value Unrealized loss Estimated fair value Unrealized loss Estimated fair value Unrealized loss Available for sale: U.S. Government sponsored entities 1 $ — $ — $ 1,995 $ (2 ) $ 1,995 $ (2 ) State and political subdivisions 1 — — 1,013 (12 ) 1,013 (12 ) Residential mortgage-backed securities 10 3,707 (27 ) 4,996 (79 ) 8,703 (106 ) Corporate and other securities 6 3,366 (13 ) 3,735 (255 ) 7,101 (268 ) Total temporarily impaired securities 18 $ 7,073 $ (40 ) $ 11,739 $ (348 ) $ 18,812 $ (388 ) December 31, 2018 Less than 12 months 12 months and greater Total (In thousands, except number in a loss position) Total number in a loss position Estimated fair value Unrealized loss Estimated fair value Unrealized loss Estimated fair value Unrealized loss Available for sale: U.S. Government sponsored entities 5 $ — $ — $ 5,642 $ (116 ) $ 5,642 $ (116 ) State and political subdivisions 4 — — 3,129 (120 ) 3,129 (120 ) Residential mortgage-backed securities 31 4,445 (23 ) 20,480 (597 ) 24,925 (620 ) Corporate and other securities 5 971 (30 ) 5,787 (364 ) 6,758 (394 ) Total temporarily impaired securities 45 $ 5,416 $ (53 ) $ 35,038 $ (1,197 ) $ 40,454 $ (1,250 ) Held to maturity: U.S. Government sponsored entities 2 $ — $ — $ 2,434 $ (94 ) $ 2,434 $ (94 ) Residential mortgage-backed securities 5 1,277 (15 ) 821 (37 ) 2,098 (52 ) Commercial mortgage-backed securities 2 — — 3,432 (138 ) 3,432 (138 ) Total temporarily impaired securities 9 $ 1,277 $ (15 ) $ 6,687 $ (269 ) $ 7,964 $ (284 ) Unrealized Losses The unrealized losses in each of the categories presented in the tables above are discussed in the paragraphs that follow: U.S. government sponsored entities and state and political subdivision securities: The unrealized losses on investments in these types of securities were caused by the increase in interest rate spreads or the increase in interest rates at the long end of the Treasury curve. The contractual terms of these investments do not permit the issuer to settle the securities at a price less than the par value of the investments. Because the Company does not intend to sell the investments and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost basis, which may be at maturity, the Company did not consider these investments to be other-than temporarily impaired as of December 31, 2019 . There was no other-than-temporary impairment on these securities at December 31, 2018 . Residential and commercial mortgage-backed securities: The unrealized losses on investments in mortgage-backed securities were caused by increases in interest rate spreads or the increase in interest rates at the long end of the Treasury curve. The majority of contractual cash flows of these securities are guaranteed by the Federal National Mortgage Association (FNMA), the Government National Mortgage Association (GNMA) and the Federal Home Loan Mortgage Corporation (FHLMC). It is expected that the securities would not be settled at a price significantly less than the par value of the investment. Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Company does not intend to sell the investments and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost basis, which may be at maturity, the Company did not consider these investments to be other-than-temporarily impaired as of December 31, 2019 or December 31, 2018 . Corporate and other securities: Included in this category are corporate and other debt securities. The unrealized losses on corporate and other debt securities were due to widening credit spreads. The Company evaluated the prospects of the issuers and forecasted a recovery period; and as a result determined it did not consider these investments to be other-than-temporarily impaired as of December 31, 2019 or December 31, 2018 . The contractual terms do not allow the securities to be settled at a price less than the par value. Because the Company does not intend to sell the securities and it is not more likely than not that the Company will be required to sell the securities before recovery of its amortized cost basis, which may be at maturity, the Company did not consider these securities to be other-than-temporarily impaired as of December 31, 2019 or December 31, 2018 . Realized Gains and Losses Gross realized gains and losses on securities for the past three years are detailed in the table below: For the years ended December 31, (In thousands) 2019 2018 2017 Available for sale: Realized gains $ 35 $ — $ 89 Realized losses — (4 ) (61 ) Total debt securities available for sale 35 (4 ) 28 Held to maturity: Realized gains — — 38 Realized losses — — (4 ) Total securities held to maturity — — 34 Net gains (losses) on sales of securities $ 35 $ (4 ) $ 62 The net realized gains are included in noninterest income in the Consolidated Statements of Income as net security gains. There were $35 thousand of gross realized gains in 2019 , compared to no gross realized gains in 2018 and gross realized gains of $127 thousand in 2017 . There were no gross realized losses in 2019 , compared to gross realized losses of $4 thousand in 2018 and $65 thousand in 2017 . • The net gain during 2019 is attributed to the sale of two commercial mortgage-backed securities with a total book value of $3.5 million and resulting gains of $64 thousand offset by the sale of two agency securities with a total book value of $2.1 million and resulting losses of $29 thousand . • The net loss during 2018 is attributed to the partial call of one tax-exempt municipal security with a book value of $174 thousand which resulted in a loss of $4 thousand . • The net gains during 2017 are attributed to the sale of three mortgage-backed securities with a total book value of $1.2 million and resulting gains of $71 thousand , the sale of one taxable security with a book value of $529 thousand and resulting gains of $38 thousand , the call of two asset-backed securities totaling $3.5 million in book value, resulting in gains of $3 thousand , and the call of four municipal tax-exempt securities with a total book value of $500 thousand and resulting gains of $15 thousand , partially offset by the sale of two mortgage-backed securities with book values of $1.6 million which resulted in a loss of $58 thousand , and the call of two corporate bonds with a book value of $3.0 million and resulting losses of $7 thousand . Equity Securities Included in this category are Community Reinvestment Act ("CRA") investments and the equity holdings of financial institutions. Equity securities are defined to include (a) preferred, common and other ownership interests in entities including partnerships, joint ventures and limited liability companies and (b) rights to acquire or dispose of ownership interest in entities at fixed or determinable prices. The company follows ASU 2016-01, "Financial Instruments - Overall (Subtopic 825-10) - Recognition and Measurement of Financial Assets and Financial Liabilities," which aims to simplify accounting for financial instruments and to converge the guidance between U.S. GAAP and IFRS. ASU 2016-01 also includes guidance on how entities account for equity investments, present and disclose financial instruments, and measure the valuation allowance on deferred tax assets related to available-for-sale debt securities. The guidance in ASU 2016-01 requires an entity to disaggregate the net gains and losses on the equity investments recognized in the income statement during a reporting period into realized and unrealized gains and losses. As a result, equity securities are no longer carried at fair value through other comprehensive income ("OCI") or by applying the cost method to those equity securities that do not have readily determinable values. Equity securities are generally required to be measured at fair value with market value adjustments being reflected in net income. The Company adopted this standard as of January 1, 2018. The following is a summary of the gains and losses recognized in net income on equity securities for the past two years: For the year ended December 31, (In thousands) 2019 2018 Net gains (losses) recognized during the period on equity securities $ 321 $ (195 ) Net gains recognized on equity securities sold during the period 17 — Net gains (losses) recognized during the reporting period on equity securities still held at the reporting date $ 338 $ (195 ) Pledged Securities Securities with a carrying value of $4.0 million and $4.3 million at December 31, 2019 and December 31, 2018 , respectively, were pledged to secure Government deposits, secure other borrowings and for other purposes required or permitted by law.

Loans

Loans	12 Months Ended
	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]
Loans	Loans The following table sets forth the classification of loans by class, including unearned fees, deferred costs and excluding the allowance for loan losses for the past two years: (In thousands) December 31, 2019 December 31, 2018 SBA loans held for investment $ 35,767 $ 39,333 Commercial loans SBA 504 loans 26,726 29,155 Commercial other 112,014 104,587 Commercial real estate 578,643 510,370 Commercial real estate construction 47,649 49,990 Residential mortgage loans 467,706 436,056 Consumer loans Home equity 69,589 59,887 Consumer other 73,935 64,017 Total loans held for investment $ 1,412,029 $ 1,293,395 SBA loans held for sale 13,529 11,171 Total loans $ 1,425,558 $ 1,304,566 Loans are made to individuals as well as commercial entities. Specific loan terms vary as to interest rate, repayment, and collateral requirements based on the type of loan requested and the credit worthiness of the prospective borrower. Credit risk tends to be geographically concentrated in that a majority of the loan customers are located in the markets serviced by the Bank. Loan performance may be adversely affected by factors impacting the general economy or conditions specific to the real estate market such as geographic location and/or property type. A description of the Company's different loan segments follows: SBA Loans: SBA 7(a) loans, on which the SBA has historically provided guarantees of up to 90 percent of the principal balance, are considered a higher risk loan product for the Company than its other loan products. The guaranteed portion of the Company’s SBA loans is generally sold in the secondary market with the nonguaranteed portion held in the portfolio as a loan held for investment. SBA loans are for the purpose of providing working capital, financing the purchase of equipment, inventory or commercial real estate and for other business purposes. Loans are guaranteed by the businesses' major owners. SBA loans are made based primarily on the historical and projected cash flow of the business and secondarily on the underlying collateral provided. Commercial Loans: Commercial credit is extended primarily to middle market and small business customers. Commercial loans are generally made in the Company’s market place for the purpose of providing working capital, financing the purchase of equipment, inventory or commercial real estate and for other business purposes. The SBA 504 program consists of real estate backed commercial mortgages where the Company has the first mortgage and the SBA has the second mortgage on the property. Loans will generally be guaranteed in full or for a meaningful amount by the businesses' major owners. Commercial loans are made based primarily on the historical and projected cash flow of the business and secondarily on the underlying collateral provided. Generally, the Company has a 50 percent loan to value ratio on SBA 504 program loans at origination. Residential Mortgage and Consumer Loans: The Company originates mortgage and consumer loans including principally residential real estate, home equity lines and loans and consumer construction lines. The Company originates qualified mortgages which are generally sold in the secondary market and nonqualified mortgages which are generally held for investment. Each loan type is evaluated on debt to income, type of collateral and loan to collateral value, credit history and Company relationship with the borrower. Inherent in the lending function is credit risk, which is the possibility a borrower may not perform in accordance with the contractual terms of their loan. A borrower’s inability to pay their obligations according to the contractual terms can create the risk of past due loans and, ultimately, credit losses, especially on collateral deficient loans. The Company minimizes its credit risk by loan diversification and adhering to credit administration policies and procedures. Due diligence on loans begins when the Company initiates contact regarding a loan with a borrower. Documentation, including a borrower’s credit history, materials establishing the value and liquidity of potential collateral, the purpose of the loan, the source of funds for repayment of the loan, and other factors, are analyzed before a loan is submitted for approval. The loan portfolio is then subject to on-going internal reviews for credit quality, as well as independent credit reviews by an outside firm. The Company's extension of credit is governed by the Credit Risk Policy which was established to control the quality of the Company's loans. These policies and procedures are reviewed and approved by the Board of Directors on a regular basis. Credit Ratings For SBA 7(a), and commercial loans, management uses internally assigned risk ratings as the best indicator of credit quality. A loan’s internal risk rating is updated at least annually and more frequently if circumstances warrant a change in risk rating. The Company uses a 1 through 10 loan grading system that follows regulatory accepted definitions. Pass: Risk ratings of 1 through 6 are used for loans that are performing, as they meet, and are expected to continue to meet, all of the terms and conditions set forth in the original loan documentation, and are generally current on principal and interest payments. These performing loans are termed “Pass”. Special Mention: Criticized loans are assigned a risk rating of 7 and termed “Special Mention”, as the borrowers exhibit potential credit weaknesses or downward trends deserving management’s close attention. If not checked or corrected, these trends will weaken the Bank’s collateral and position. While potentially weak, these borrowers are currently marginally acceptable and no loss of interest or principal is anticipated. As a result, special mention assets do not expose an institution to sufficient risk to warrant adverse classification. Included in “Special Mention” could be turnaround situations, such as borrowers with deteriorating trends beyond one year, borrowers in start up or deteriorating industries, or borrowers with a poor market share in an average industry. "Special Mention" loans may include an element of asset quality, financial flexibility, or below average management. Management and ownership may have limited depth or experience. Regulatory agencies have agreed on a consistent definition of “Special Mention” as an asset with potential weaknesses which, if left uncorrected, may result in deterioration of the repayment prospects for the asset or in the Bank’s credit position at some future date. This definition is intended to ensure that the “Special Mention” category is not used to identify assets that have as their sole weakness credit data exceptions or collateral documentation exceptions that are not material to the repayment of the asset. Substandard: Classified loans are assigned a risk rating of an 8 or 9, depending upon the prospect for collection, and deemed “Substandard”. A risk rating of 8 is used for borrowers with well-defined weaknesses that jeopardize the orderly liquidation of debt. The loan is inadequately protected by the current paying capacity of the obligor or by the collateral pledged, if any. Normal repayment from the borrower is in jeopardy, although no loss of principal is envisioned. There is a distinct possibility that a partial loss of interest and/or principal will occur if the deficiencies are not corrected. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets classified “Substandard”. A risk rating of 9 is used for borrowers that have all the weaknesses inherent in a loan with a risk rating of 8, with the added characteristic that the weaknesses make collection of debt in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Serious problems exist to the point where partial loss of principal is likely. The possibility of loss is extremely high, but because of certain important, reasonably specific pending factors that may work to strengthen the assets, the loans’ classification as estimated losses is deferred until a more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures; capital injection; perfecting liens on additional collateral; and refinancing plans. Partial charge-offs are likely. Loss: Once a borrower is deemed incapable of repayment of unsecured debt, the risk rating becomes a 10, the loan is termed a “Loss”, and charged-off immediately. Loans to such borrowers are considered uncollectible and of such little value that continuance as active assets of the Bank is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off these basically worthless assets even though partial recovery may be affected in the future. For residential mortgage and consumer loans, management uses performing versus nonperforming as the best indicator of credit quality. Nonperforming loans consist of loans that are not accruing interest (nonaccrual loans) as a result of principal or interest being delinquent for a period of 90 days or more or when the ability to collect principal and interest according to the contractual terms is in doubt. These credit quality indicators are updated on an ongoing basis, as a loan is placed on nonaccrual status as soon as management believes there is sufficient doubt as to the ultimate ability to collect interest on a loan. The tables below detail the Company’s loan portfolio by class according to their credit quality indicators discussed in the paragraphs above as of December 31, 2019 : December 31, 2019 SBA & Commercial loans - Internal risk ratings (In thousands) Pass Special mention Substandard Total SBA loans held for investment $ 34,202 $ 1,115 $ 450 $ 35,767 Commercial loans SBA 504 loans 24,878 1,808 40 26,726 Commercial other 107,220 3,361 1,433 112,014 Commercial real estate 576,326 758 1,559 578,643 Commercial real estate construction 47,649 — — 47,649 Total commercial loans 756,073 5,927 3,032 765,032 Total SBA and commercial loans $ 790,275 $ 7,042 $ 3,482 $ 800,799 Residential mortgage & Consumer loans - Performing/Nonperforming (In thousands) Performing Nonperforming Total Residential mortgage loans $ 463,770 $ 3,936 $ 467,706 Consumer loans Home equity 69,589 — 69,589 Consumer other 73,915 20 73,935 Total consumer loans 143,504 20 143,524 Total residential mortgage and consumer loans $ 607,274 $ 3,956 $ 611,230 The tables below detail the Company’s loan portfolio by class according to their credit quality indicators discussed in the paragraphs above as of December 31, 2018 : December 31, 2018 SBA & Commercial loans - Internal risk ratings (In thousands) Pass Special mention Substandard Total SBA loans held for investment $ 37,198 $ 601 $ 1,534 $ 39,333 Commercial loans SBA 504 loans 28,105 — 1,050 29,155 Commercial other 103,806 322 459 104,587 Commercial real estate 504,022 2,879 3,469 510,370 Commercial real estate construction 49,990 — — 49,990 Total commercial loans 685,923 3,201 4,978 694,102 Total SBA and commercial loans $ 723,121 $ 3,802 $ 6,512 $ 733,435 Residential mortgage & Consumer loans - Performing/Nonperforming (In thousands) Performing Nonperforming Total Residential mortgage loans $ 431,845 $ 4,211 $ 436,056 Consumer loans Home equity 59,861 26 59,887 Consumer other 64,017 — 64,017 Total consumer loans 123,878 26 123,904 Total residential mortgage and consumer loans $ 555,723 $ 4,237 $ 559,960 Nonperforming and Past Due Loans Nonperforming loans consist of loans that are not accruing interest (nonaccrual loans) as a result of principal or interest being delinquent for a period of 90 days or more or when the ability to collect principal and interest according to the contractual terms is in doubt. Loans past due 90 days or more and still accruing interest are not included in nonperforming loans and generally represent loans that are well secured and in process of collection. The risk of loss is difficult to quantify and is subject to fluctuations in collateral values, general economic conditions and other factors. The Company values its collateral through the use of appraisals, broker price opinions, and knowledge of its local market. The following tables set forth an aging analysis of past due and nonaccrual loans as of December 31, 2019 and December 31, 2018 : December 31, 2019 (In thousands) 30-59 days past due 60-89 days past due 90+ days and still accruing Nonaccrual (1) Total past due Current Total loans SBA loans held for investment $ 1,048 $ — $ — $ 1,164 $ 2,212 $ 33,555 $ 35,767 Commercial loans SBA 504 loans — 1,808 — — 1,808 24,918 26,726 Commercial other 71 — — 316 387 111,627 112,014 Commercial real estate 215 — — 213 428 578,215 578,643 Commercial real estate construction — — — — — 47,649 47,649 Residential mortgage loans 4,383 1,676 930 3,936 10,925 456,781 467,706 Consumer loans Home equity 1,446 178 — — 1,624 67,965 69,589 Consumer other — 113 — 20 133 73,802 73,935 Total loans held for investment $ 7,163 $ 3,775 $ 930 $ 5,649 $ 17,517 $ 1,394,512 $ 1,412,029 SBA loans held for sale — — — — — 13,529 13,529 Total loans $ 7,163 $ 3,775 $ 930 $ 5,649 $ 17,517 $ 1,408,041 $ 1,425,558 (1) At December 31, 2019 , nonaccrual loans included $59 thousand of loans guaranteed by the SBA. December 31, 2018 (In thousands) 30-59 days past due 60-89 days past due 90+ days and still accruing Nonaccrual (1) Total past due Current Total loans SBA loans held for investment $ — $ — $ — $ 1,560 $ 1,560 $ 37,773 $ 39,333 Commercial loans SBA 504 loans — — — — — 29,155 29,155 Commercial other — — — 30 30 104,557 104,587 Commercial real estate 301 — — 1,046 1,347 509,023 510,370 Commercial real estate construction — — — — — 49,990 49,990 Residential mortgage loans 3,801 1,204 98 4,211 9,314 426,742 436,056 Consumer loans Home equity 396 — — 26 422 59,465 59,887 Consumer other 300 — — — 300 63,717 64,017 Total loans held for investment $ 4,798 $ 1,204 $ 98 $ 6,873 $ 12,973 $ 1,280,422 $ 1,293,395 SBA loans held for sale — — — — — 11,171 11,171 Total loans $ 4,798 $ 1,204 $ 98 $ 6,873 $ 12,973 $ 1,291,593 $ 1,304,566 (1) At December 31, 2018 , nonaccrual loans included $89 thousand of loans guaranteed by the SBA. Impaired Loans The Company has defined impaired loans to be all nonperforming loans and troubled debt restructurings. Management considers a loan impaired when, based on current information and events, it is determined that the Company will not be able to collect all amounts due according to the loan contract. The following tables provide detail on the Company’s loans individually evaluated for impairment with the associated allowance amount, if applicable, as of December 31, 2019 and December 31, 2018 : December 31, 2019 (In thousands) Unpaid principal balance Recorded investment Specific reserves With no related allowance: SBA loans held for investment (1) $ 1,224 $ 1,064 $ — Commercial loans Commercial real estate 213 213 — Total commercial loans 213 213 — Total impaired loans with no related allowance 1,437 1,277 — With an allowance: SBA loans held for investment (1) 157 41 41 Commercial loans Commercial other 816 316 316 Commercial real estate 705 705 57 Total commercial loans 1,521 1,021 373 Total impaired loans with a related allowance 1,678 1,062 414 Total individually evaluated impaired loans: SBA loans held for investment (1) 1,381 1,105 41 Commercial loans Commercial other 816 316 316 Commercial real estate 918 918 57 Total commercial loans 1,734 1,234 373 Total individually evaluated impaired loans $ 3,115 $ 2,339 $ 414 (1) Balances are reduced by amount guaranteed by the SBA of $59 thousand at December 31, 2019 . December 31, 2018 (In thousands) Unpaid principal balance Recorded investment Specific reserves With no related allowance: SBA loans held for investment (1) $ 359 $ 353 $ — Commercial loans Commercial real estate 1,046 1,046 — Total commercial loans 1,046 1,046 — Total impaired loans with no related allowance 1,405 1,399 — With an allowance: SBA loans held for investment (1) 1,257 1,118 540 Commercial loans Commercial other 30 30 30 Commercial real estate 745 745 97 Total commercial loans 775 775 127 Total impaired loans with a related allowance 2,032 1,893 667 Total individually evaluated impaired loans: SBA loans held for investment (1) 1,616 1,471 540 Commercial loans Commercial other 30 30 30 Commercial real estate 1,791 1,791 97 Total commercial loans 1,821 1,821 127 Total individually evaluated impaired loans $ 3,437 $ 3,292 $ 667 (1) Balances are reduced by amount guaranteed by the SBA of $89 thousand at December 31, 2018 . The following table presents the average recorded investments in impaired loans and the related amount of interest recognized during the time period in which the loans were impaired for the years ended December 31, 2019 , 2018 and 2017 . The average balances are calculated based on the month-end balances of impaired loans. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method, therefore no interest income is recognized. The interest recognized on impaired loans noted below represents accruing troubled debt restructurings only and nominal amounts of income recognized on a cash basis for well-collateralized impaired loans. For the years ended December 31, 2019 2018 2017 (In thousands) Average recorded investment Interest income recognized on impaired loans Average recorded investment Interest income recognized on impaired loans Average recorded investment Interest income recognized on impaired loans SBA loans held for investment (1) $ 679 $ 17 $ 1,063 $ 3 $ 668 $ 47 Commercial loans SBA 504 loans — — — — 82 — Commercial other 264 6 12 — 25 — Commercial real estate 1,258 36 2,092 100 685 43 Total $ 2,201 $ 59 $ 3,167 $ 103 $ 1,460 $ 90 (1) Balances are reduced by the average amount guaranteed by the SBA of $124 thousand , $85 thousand and $318 thousand for years ended December 31, 2019 , 2018 and 2017 , respectively. Troubled Debt Restructurings The Company's loan portfolio includes certain loans that have been modified in a troubled debt restructuring (“TDR”). TDRs occur when a creditor, for economic or legal reasons related to a debtor’s financial condition, grants a concession to the debtor that it would not otherwise consider, unless it results in a delay in payment that is insignificant. These concessions typically include reductions in interest rate, extending the maturity of a loan, other modifications of payment terms, or a combination of modifications. When the Company modifies a loan, management evaluates for any possible impairment using either the discounted cash flows method, where the value of the modified loan is based on the present value of expected cash flows, discounted at the contractual interest rate of the original loan agreement, or by using the fair value of the collateral less selling costs if the loan is collateral-dependent. If management determines that the value of the modified loan is less than the recorded investment in the loan, impairment is recognized by segment or class of loan, as applicable, through an allowance estimate or charge-off to the allowance. This process is used, regardless of loan type, and for loans modified as TDRs that subsequently default on their modified terms. The company had one performing TDR with a balance of $705 thousand and $745 thousand as of December 31, 2019 and December 31, 2018 , respectively, which was included in the impaired loan numbers as of such dates. At December 31, 2019 , and December 31, 2018 , there were specific reserves on the performing TDR of $57 thousand and $97 thousand , respectively. The loan remains in accrual status since it continues to perform in accordance with the restructured terms. To date, the Company’s TDRs consisted of interest rate reductions, interest only periods, principal balance reductions, and maturity extensions. There were no loans modified as a TDR within the previous 12 months that subsequently defaulted at some point during the years ended December 31, 2019 or 2018. In this case, the subsequent default is defined as 90 days past due or transferred to nonaccrual status. Other Loan Information Servicing Assets: Loans sold to others and serviced by the Company are not included in the accompanying Consolidated Balance Sheets. The total amount of such loans serviced, but owned by third party investors, amounted to approximately $130.6 million and $143.7 million at December 31, 2019 and 2018 , respectively. At December 31, 2019 and 2018 , the carrying value, which approximates fair value, of servicing assets was $2.0 million and $2.4 million , respectively, and is included in Other Assets. The fair value of SBA servicing assets was determined using a discount rate of 15% , constant prepayment speeds ranging from 15% to 18% , and interest strip multiples ranging from 2.08% to 3.80% , depending on each individual credit. The fair value of mortgage servicing assets was determined using a discount rate of 12% and the present value of excess servicing over 7 years . A summary of the changes in the related servicing assets for the past three years follows: For the years ended December 31, (In thousands) 2019 2018 2017 Balance, beginning of year $ 2,375 $ 1,800 $ 2,086 Servicing assets capitalized 643 939 172 Amortization of expense (992 ) (364 ) (458 ) Balance, end of year $ 2,026 $ 2,375 $ 1,800 In addition, the Company had a $1.3 million and $1.5 million discount related to the retained portion of the unsold SBA loans at December 31, 2019 and 2018 , respectively. Officer and Director Loans: In the ordinary course of business, the Company may extend credit to officers, directors or their associates. These loans are subject to the Company’s normal lending policy. An analysis of such loans, all of which are current as to principal and interest payments, is as follows: (In thousands) December 31, 2019 December 31, 2018 Balance, beginning of year $ 22,429 $ 33,109 New loans and advances 73 4,083 Loan repayments (4,661 ) (14,763 ) Balance, end of year $ 17,841 $ 22,429 Loan Portfolio Collateral: The majority of the Company’s loans are secured by real estate. Declines in the market values of real estate in the Company’s trade area impact the value of the collateral securing its loans. This could lead to greater losses in the event of defaults on loans secured by real estate. At December 31, 2019 , and December 31, 2018 approximately 94% of the Company’s loan portfolio was secured by real estate.

Allowance for Loan Losses and R

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments	12 Months Ended
	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for Loan Losses and Reserve for Unfunded Loan Commitments	Allowance for Loan Losses and Reserve for Unfunded Loan Commitments Allowance for Loan Losses The Company has an established methodology to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. At a minimum, the adequacy of the allowance for loan losses is reviewed by management on a quarterly basis. For purposes of determining the allowance for loan losses, the Company has segmented the loans in its portfolio by loan type. Loans are segmented into the following pools: SBA 7(a), commercial, residential mortgages, and consumer loans. Certain portfolio segments are further broken down into classes based on the associated risks within those segments and the type of collateral underlying each loan. Commercial loans are divided into the following five classes: commercial real estate, commercial real estate construction, unsecured business line of credit, commercial other, and SBA 504. Consumer loans are divided into two classes as follows: home equity and other. The standardized methodology used to assess the adequacy of the allowance includes the allocation of specific and general reserves. The same standard methodology is used, regardless of loan type. Specific reserves are made to individual impaired loans and troubled debt restructurings (see Note 1 for additional information on this term). The general reserve is set based upon a representative average historical net charge-off rate adjusted for the following environmental factors: delinquency and impairment trends, charge-off and recovery trends, changes in the volume of restructured loans, volume and loan term trends, changes in risk and underwriting policy trends, staffing and experience changes, national and local economic trends, industry conditions and credit concentration changes. Within the five-year historical net charge-off rate, the Company weights the past three years more because it believes they are more indicative of future losses. All of the environmental factors are ranked and assigned a basis points value based on the following scale: low, low moderate, moderate, high moderate and high risk. Each environmental factor is evaluated separately for each class of loans and risk weighted based on its individual characteristics. • For SBA 7(a) and commercial loans, the estimate of loss based on pools of loans with similar characteristics is made through the use of a standardized loan grading system that is applied on an individual loan level and updated on a continuous basis. The loan grading system incorporates reviews of the financial performance of the borrower, including cash flow, debt-service coverage ratio, earnings power, debt level and equity position, in conjunction with an assessment of the borrower's industry and future prospects. It also incorporates analysis of the type of collateral and the relative loan to value ratio. • For residential mortgage and consumer loans, the estimate of loss is based on pools of loans with similar characteristics. Factors such as credit score, delinquency status and type of collateral are evaluated. Factors are updated frequently to capture the recent behavioral characteristics of the subject portfolios, as well as any changes in loss mitigation or credit origination strategies, and adjustments to the reserve factors are made as needed. According to the Company’s policy, a loss (“charge-off”) is to be recognized and charged to the allowance for loan losses as soon as a loan is recognized as uncollectable. All credits which are 90 days past due must be analyzed for the Company’s ability to collect on the credit. Once a loss is known to exist, the charge-off approval process is immediately expedited. This charge-off policy is followed for all loan types. The allocated allowance is the total of identified specific and general reserves by loan category. The allocation is not necessarily indicative of the categories in which future losses may occur. The total allowance is available to absorb losses from any segment of the portfolio. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in methodologies for estimating allocated and general reserves in the portfolio. The following tables detail the activity in the allowance for loan losses by portfolio segment for the past three years: For the year ended December 31, 2019 (In thousands) SBA held for investment Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 1,655 $ 8,705 $ 3,900 $ 1,228 $ — $ 15,488 Charge-offs (535 ) (501 ) (205 ) (1 ) (1,242 ) Recoveries 23 16 — 10 49 Net (charge-offs) recoveries (512 ) (485 ) (205 ) 9 — (1,193 ) Provision (credit) for loan losses charged to expense (64 ) 1,502 559 103 — 2,100 Balance, end of period $ 1,079 $ 9,722 $ 4,254 $ 1,340 $ — $ 16,395 For the year ended December 31, 2018 (In thousands) SBA held for investment Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 1,471 $ 7,825 $ 3,130 $ 1,130 $ — $ 13,556 Charge-offs (354 ) (10 ) — (22 ) — (386 ) Recoveries 72 30 13 153 — 268 Net (charge-offs) recoveries (282 ) 20 13 131 — (118 ) Provision (credit) for loan losses charged to expense 466 860 757 (33 ) — 2,050 Balance, end of period $ 1,655 $ 8,705 $ 3,900 $ 1,228 $ — $ 15,488 For the year ended December 31, 2017 (In thousands) SBA held for investment Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 1,576 $ 7,302 $ 2,593 $ 925 $ 183 $ 12,579 Charge-offs (293 ) (227 ) (55 ) (336 ) — (911 ) Recoveries 121 102 12 3 — 238 Net charge-offs (172 ) (125 ) (43 ) (333 ) — (673 ) Provision (credit) for loan losses charged to expense 67 648 580 538 (183 ) 1,650 Balance, end of period $ 1,471 $ 7,825 $ 3,130 $ 1,130 $ — $ 13,556 The following tables present loans and their related allowance for loan losses, by portfolio segment, as of December 31 st for the past two years: December 31, 2019 (In thousands) SBA held for investment Commercial Residential Consumer Total Allowance for loan losses ending balance: Individually evaluated for impairment $ 41 $ 373 $ — $ — $ 414 Collectively evaluated for impairment 1,038 9,349 4,254 1,340 15,981 Total $ 1,079 $ 9,722 $ 4,254 $ 1,340 $ 16,395 Loan ending balances: Individually evaluated for impairment $ 1,105 $ 1,234 $ — $ — $ 2,339 Collectively evaluated for impairment 34,662 763,798 467,706 143,524 1,409,690 Total $ 35,767 $ 765,032 $ 467,706 $ 143,524 $ 1,412,029 December 31, 2018 (In thousands) SBA held for investment Commercial Residential Consumer Total Allowance for loan losses ending balance: Individually evaluated for impairment $ 540 $ 127 $ — $ — $ 667 Collectively evaluated for impairment 1,115 8,578 3,900 1,228 14,821 Total $ 1,655 $ 8,705 $ 3,900 $ 1,228 $ 15,488 Loan ending balances: Individually evaluated for impairment $ 1,471 $ 1,821 $ — $ — $ 3,292 Collectively evaluated for impairment 37,862 692,281 436,056 123,904 1,290,103 Total $ 39,333 $ 694,102 $ 436,056 $ 123,904 $ 1,293,395 Changes in Methodology: The Company did not make any changes to its allowance for loan losses methodology in the current period. Reserve for Unfunded Loan Commitments In addition to the allowance for loan losses, the Company maintains a reserve for unfunded loan commitments at a level that management believes is adequate to absorb estimated probable losses. Adjustments to the reserve are made through other expense and applied to the reserve which is classified as other liabilities. At December 31, 2019 , a $ 273 thousand commitment reserve was reported on the balance sheet as an “other liability”, compared to a $ 290 thousand commitment reserve at December 31, 2018 . There were no losses on unfunded loan commitments during 2019 or 2018 .

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment The detail of premises and equipment as of December 31 st for the past two years is as follows: (In thousands) December 31, 2019 December 31, 2018 Land and buildings $ 23,466 $ 25,214 Furniture, fixtures and equipment 11,164 10,778 Leasehold improvements 2,376 2,385 Gross premises and equipment 37,006 38,377 Less: Accumulated depreciation (15,691 ) (15,006 ) Net premises and equipment $ 21,315 $ 23,371 Amounts charged to noninterest expense for depreciation of premises and equipment amounted to $1.7 million and $1.6 million in 2019 and 2018 , respectively.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2019
Other Assets [Abstract]
Other Assets	Other Assets The detail of other assets as of December 31 st for the past two years is as follows: (In thousands) December 31, 2019 December 31, 2018 Right-of-use assets $ 2,792 $ — Servicing assets: SBA servicing asset 920 1,024 Mortgage servicing asset 1,106 1,351 Prepaid expenses 969 1,061 Prepaid insurance 733 1,755 Unrealized gains on interest rate swap agreements 261 1,432 Net receivable due from SBA 127 151 Other 687 1,861 Total other assets $ 7,595 $ 8,635

Deposits

Deposits	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Deposits	Deposits The following table details the maturity distribution of time deposits as of December 31 st for the past two years: (In thousands) Three months or less More than three months through six months More than six months through twelve months More than twelve months Total At December 31, 2019: Less than $100,000 $ 40,789 $ 14,207 $ 59,338 $ 81,112 $ 195,446 $100,000 or more 31,799 17,633 72,444 86,869 208,745 At December 31, 2018: Less than $100,000 $ 16,758 $ 23,851 $ 42,365 $ 101,048 $ 184,022 $100,000 or more 35,085 34,674 28,717 74,518 172,994 The following table presents the expected maturities of time deposits over the next five years: (In thousands) 2020 2021 2022 2023 2024 Thereafter Total Balance maturing $ 236,210 $ 142,731 $ 17,215 $ 3,890 $ 3,777 $ 368 $ 404,191 Time deposits with balances of $250 thousand or more totaled $ 82.6 million and $ 56.8 million at December 31, 2019 and 2018 , respectively.

Borrowed Funds and Subordinated

Borrowed Funds and Subordinated Debentures	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Borrowed Funds and Subordinated Debentures	Borrowed Funds and Subordinated Debentures The following table presents the period-end and average balances of borrowed funds and subordinated debentures for the past three years with resultant rates: 2019 2018 2017 (In thousands) Amount Rate Amount Rate Amount Rate FHLB borrowings and repurchase agreements: At December 31, $ 283,000 1.74 % $ 210,000 2.31 % $ 260,000 1.59 % Year-to-date average 103,201 1.85 121,970 1.78 110,420 1.75 Maximum outstanding 283,000 238,000 260,000 Repurchase agreements: At December 31, $ — — % $ — — % $ 15,000 3.67 % Year-to-date average — — 2,384 3.67 15,000 3.67 Maximum outstanding — 15,000 15,000 Subordinated debentures: At December 31, $ 10,310 3.33 % $ 10,310 2.40 % $ 10,310 2.40 % Year-to-date average 10,310 3.50 10,310 2.40 10,310 2.40 Maximum outstanding 10,310 10,310 10,310 The following table presents the expected maturities of borrowed funds and subordinated debentures over the next five years: (In thousands) 2020 2021 2022 2023 2024 Thereafter Total FHLB borrowings $ 243,000 $ — $ — $ — $ 40,000 $ — $ 283,000 Subordinated debentures — — — — — 10,310 10,310 Total borrowings $ 283,000 $ — $ — $ — $ 40,000 $ 10,310 $ 293,310 FHLB Borrowings FHLB borrowings at December 31, 2019 included a $193.0 million overnight line of credit advance, compared to $160.0 million at December 31, 2018 . FHLB borrowings at December 31, 2019 also consisted of one $40.0 million fixed rate advance, two $20.0 million advances, and one $10.0 million advance. Comparatively, FHLB borrowings at December 31, 2018 consisted of two $20.0 million advances and one $10.0 million advance. The terms of these transactions at year end 2019 are as follows: • A $193.0 million FHLB overnight line of credit advance issued on December 31, 2019 was at a rate of 1.810% and was repaid on January 2, 2020. • A $20.0 million FHLB advance that was issued on December 9, 2019 and has an adjustable interest rate equal to 3 month LIBOR plus 0.025 % that matures on June 9, 2020. This borrowing was swapped to a 5 year fixed rate borrowing at 1.755% . • A $40.0 million FHLB advance that was issued on August 22, 2019 and has a fixed interest rate at 1.810% that matures on August 22, 2024. • A $10.0 million FHLB advance that was issued on August 16, 2019 and has an adjustable interest rate equal to 3 month LIBOR plus 0.140 % that matured on February 18, 2020. This borrowing was swapped to a 5 year fixed rate borrowing at 1.243% . • A $20.0 million FHLB advance that was issued on July 5, 2019 and has an adjustable interest rate equal to 3 month LIBOR plus 0.150 % that matured on January 6, 2020. This borrowing was swapped to a 5 year fixed rate borrowing at 1.198% . Subordinated Debentures At December 31, 2019 and 2018 , the Company was a party in the following subordinated debenture transactions: • On July 24, 2006, Unity (NJ) Statutory Trust II, a statutory business trust and wholly-owned subsidiary of Unity Bancorp, Inc., issued $10.0 million of floating rate capital trust pass through securities to investors due on July 24, 2036 . The subordinated debentures are redeemable in whole or part, prior to maturity but after July 24, 2011. The floating interest rate on the subordinated debentures is the three-month LIBOR plus 159 basis points and reprices quarterly. The floating interest rate was 3.518% at December 31, 2019 and 4.414% at December 31, 2018 . At December 31, 2018, the subordinated debentures had a swap instrument which modified the borrowing to a 3 year fixed rate borrowing at 2.475% . The swap instrument matured on February 16, 2019. A new swap instrument was implemented on July 5, 2019, which modifies the borrowing to a 3 year fixed rate at 3.435% . • In connection with the formation of the statutory business trust, the trust also issued $465 thousand of common equity securities to the Company, which together with the proceeds stated above were used to purchase the subordinated debentures, under the same terms and conditions. At December 31, 2019 and 2018 , $310 thousand of the common equity securities remained. The capital securities in the above transaction have preference over the common securities with respect to liquidation and other distributions and qualify as Tier I capital. Under the terms of the Dodd-Frank Wall Street Reform and Consumer Protection Act, these securities will continue to qualify as Tier 1 capital as the Company has less than $10 billion in assets. In accordance with FASB ASC Topic 810, “Consolidation,” the Company does not consolidate the accounts and related activity of Unity (NJ) Statutory Trust II because it is not the primary beneficiary. The additional capital from this transaction was used to bolster the Company’s capital ratios and for general corporate purposes, including among other things, capital contributions to the Bank. The Company has the ability to defer interest payments on the subordinated debentures for up to 5 years without being in default. Due to the redemption provisions of these securities, the expected maturity could differ from the contractual maturity. Derivative Financial Instruments and Hedging Activities Derivative Financial Instruments The Company has a stand alone derivative financial instrument in the form of an interest rate swap agreement, which derives its value from underlying interest rates. This transaction involves both credit and market risk. The notional amounts are amounts on which calculations, payments, and the value of the derivative is based. Notional amounts do not represent direct credit exposures. Direct credit exposure is limited to the net difference between the calculated amounts to be received and paid, if any. Such difference, which represents the fair value of the derivative instrument, is reflected on the Company’s balance sheet as other assets or other liabilities. The Company is exposed to credit-related losses in the event of nonperformance by the counterparties to this agreement. The Company controls the credit risk of its financial contracts through credit approvals, limits and monitoring procedures, and does not expect any counterparties to fail their obligations. The Company deals only with primary dealers. Derivative instruments are generally either negotiated OTC contracts or standardized contracts executed on a recognized exchange. Negotiated OTC derivative contracts are generally entered into between two counterparties that negotiate specific agreement terms, including the underlying instrument, amount, exercise prices and maturity. Risk Management Policies – Hedging Instruments The primary focus of the Company’s asset/liability management program is to monitor the sensitivity of the Company’s net portfolio value and net income under varying interest rate scenarios to take steps to control its risks. On a quarterly basis, the Company evaluates the effectiveness of entering into any derivative agreement by measuring the cost of such an agreement in relation to the reduction in net portfolio value and net income volatility within an assumed range of interest rates. Interest Rate Risk Management – Cash Flow Hedging Instruments The Company has FHLB Adjustable Rate Credit (“ARC”) variable rate debt as a source of funds for use in the Company’s lending and investment activities and for other general business purposes. These debt obligations expose the Company to variability in interest payments due to changes in interest rates. If interest rates increase, interest expense increases. Conversely, if interest rates decrease, interest expense decreases. Management believes it is prudent to limit the variability of a portion of its interest payments and, therefore hedges its variable-rate interest payments. To meet this objective, management enters into interest rate swap agreements whereby the Company receives variable interest rate payments and makes fixed interest rate payments during the contract period. The Company had interest rate swaps designated as cash flow hedging instruments with a notional amount of $60.0 million at December 31, 2019 and 2018 , respectively. On February 16, 2019, a $10.0 million swap instrument matured, resulting in a reduction in fair value of $27 thousand . On July 5, 2019, the Company entered into a new swap agreement with a notional value of $10.0 million . A summary of the Company's outstanding interest rate swap agreements used to hedge variable rate debt at December 31, 2019 and 2018 , respectively is as follows: (In thousands, except percentages, years and contracts) 2019 2018 Notional amount $ 60,000 $ 60,000 Fair value 238 1,433 Weighted average pay rate 1.42 % 1.26 % Weighted average receive rate 2.19 % 1.88 % Weighted average maturity in years 1.25 2.36 Number of contracts 4 4 During the twelve months ended December 31, 2019 and 2018 , the Company received variable rate LIBOR payments from and paid fixed rates in accordance with its interest rate swap agreements. At December 31, 2019 and 2018 , the unrealized gains relating to interest rate swaps are recorded as a derivative asset and are included in Prepaid expenses and other assets in the Company's Balance Sheet, and the unrealized losses are recorded as a derivative liability and are included in Accrued expenses and other liabilities. Changes in the fair value of interest rate swaps designated as hedging instruments of the variability of cash flows associated with long-term debt are reported in other comprehensive income (loss). The following table presents the net (losses) gains recorded in other comprehensive income and the consolidated financial statements relating to the cash flow derivative instruments at December 31, 2019 and 2018 , respectively: For the years ended December 31, (In thousands) 2019 2018 (Decrease) increase in the fair value of interest rate swaps $ (1,195 ) $ 25

Leases and Commitments

Leases and Commitments	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Leases and Commitments	Leases and Commitments Leases The Company follows ASU 2016-02, "Leases (Topic 842)," which revised certain aspects of recognition, measurement, presentation, and disclosure of leasing transactions. ASU 2016-02 requires that a lessee recognize the assets and liabilities on its balance sheet that arise from all leases with a term greater than 12 months. The core principle requires the lessee to recognize a liability to make lease payments and a "right-of-use" asset. The Company adopted this standard as of January 1, 2019. In accordance with ASU 2018-01, we have elected to apply ASU 2016-02 as of the beginning of the period of adoption and will not restate comparative periods. Financial results for reporting periods beginning on or after January 1, 2019 are presented under the new guidance (Topic 842), while prior period amounts are not adjusted and continue to be reported in accordance with previous guidance (Topic 840). Operating leases in which we are the lessee are recorded as right-of-use ("ROU") assets and lease liabilities and are included in Prepaid expenses and other assets and Accrued expenses and other liabilities, respectively, on our Consolidated Balance Sheets. We do not currently have any finance leases in which we are the lessee. Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate. The incremental borrowing rate was calculated for each lease by taking a variable rate FHLB ARC product (based on Libor plus a spread) and then swapping it to a fixed rate borrowing by adding a fixed mid swap rate for the desired term. The borrowing rate for each lease is unique based on the lease term. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in Occupancy expense in the Consolidated Statements of Income. Our leases relate primarily to bank branches, office space and equipment with remaining lease terms of generally 1 to 10 years. Certain lease arrangements contain extension options which typically range from 1 to 5 years at the then fair market rental rates. As these extension options are not generally considered reasonably certain of exercise, they are not included in the lease term. Certain real estate leases have lease payments that adjust based on annual changes in the Consumer Price Index ("CPI"). The leases that are dependent upon CPI are initially measured using the index or rate at the commencement date and are included in the measurement of the lease liability. As of December 31, 2019 , operating lease ROU assets and operating lease liabilities were $2.8 million , respectively. The table below summarizes our net lease cost: (In thousands) For the year ended December 31, 2019 Operating lease cost $ 589 Net lease cost $ 589 The table below summarizes the cash and non-cash activities associated with our leases: (In thousands) For the year ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 557 ROU assets obtained in exchange for new operating lease liabilities $ 3,295 The table below summarizes other information related to our operating leases: (In thousands, except percentages and years) December 31, 2019 Weighted average remaining lease term in years 6.76 Weighted average discount rate 5.47 % Operating lease right-of-use assets $ 2,792 The table below summarizes the maturity of remaining lease liabilities: (In thousands) December 31, 2019 2020 $ 558 2021 530 2022 478 2023 413 2024 366 2025 and thereafter 1,045 Total lease payments $ 3,390 Less: Interest (566 ) Present value of lease liabilities $ 2,824 As of December 31, 2019 , the Corporation had not entered into any material leases that have not yet commenced. Commitments to Borrowers Commitments to extend credit are legally binding loan commitments with set expiration dates. They are intended to be disbursed, subject to certain conditions, upon the request of the borrower. The Company was committed to advance approximately $272.8 million to its borrowers as of December 31, 2019 , compared to $289.9 million at December 31, 2018 . At December 31, 2019 , $119.2 million of these commitments expire within one year, compared to $181.9 million a year earlier. At December 31, 2019 , the Company had $4.8 million in standby letters of credit compared to $5.7 million at December 31, 2018 . The estimated fair value of these guarantees is not significant. The Company believes it has the necessary liquidity to honor all commitments. Litigation The Company may, in the ordinary course of business, become a party to litigation involving collection matters, contract claims and other legal proceedings relating to the conduct of its business. In the best judgment of management, based upon consultation with counsel, the consolidated financial position and results of operations of the Company will not be affected materially by the final outcome of any pending legal proceedings or other contingent liabilities and commitments.
Leases and Commitments	Leases and Commitments Leases The Company follows ASU 2016-02, "Leases (Topic 842)," which revised certain aspects of recognition, measurement, presentation, and disclosure of leasing transactions. ASU 2016-02 requires that a lessee recognize the assets and liabilities on its balance sheet that arise from all leases with a term greater than 12 months. The core principle requires the lessee to recognize a liability to make lease payments and a "right-of-use" asset. The Company adopted this standard as of January 1, 2019. In accordance with ASU 2018-01, we have elected to apply ASU 2016-02 as of the beginning of the period of adoption and will not restate comparative periods. Financial results for reporting periods beginning on or after January 1, 2019 are presented under the new guidance (Topic 842), while prior period amounts are not adjusted and continue to be reported in accordance with previous guidance (Topic 840). Operating leases in which we are the lessee are recorded as right-of-use ("ROU") assets and lease liabilities and are included in Prepaid expenses and other assets and Accrued expenses and other liabilities, respectively, on our Consolidated Balance Sheets. We do not currently have any finance leases in which we are the lessee. Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate. The incremental borrowing rate was calculated for each lease by taking a variable rate FHLB ARC product (based on Libor plus a spread) and then swapping it to a fixed rate borrowing by adding a fixed mid swap rate for the desired term. The borrowing rate for each lease is unique based on the lease term. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in Occupancy expense in the Consolidated Statements of Income. Our leases relate primarily to bank branches, office space and equipment with remaining lease terms of generally 1 to 10 years. Certain lease arrangements contain extension options which typically range from 1 to 5 years at the then fair market rental rates. As these extension options are not generally considered reasonably certain of exercise, they are not included in the lease term. Certain real estate leases have lease payments that adjust based on annual changes in the Consumer Price Index ("CPI"). The leases that are dependent upon CPI are initially measured using the index or rate at the commencement date and are included in the measurement of the lease liability. As of December 31, 2019 , operating lease ROU assets and operating lease liabilities were $2.8 million , respectively. The table below summarizes our net lease cost: (In thousands) For the year ended December 31, 2019 Operating lease cost $ 589 Net lease cost $ 589 The table below summarizes the cash and non-cash activities associated with our leases: (In thousands) For the year ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 557 ROU assets obtained in exchange for new operating lease liabilities $ 3,295 The table below summarizes other information related to our operating leases: (In thousands, except percentages and years) December 31, 2019 Weighted average remaining lease term in years 6.76 Weighted average discount rate 5.47 % Operating lease right-of-use assets $ 2,792 The table below summarizes the maturity of remaining lease liabilities: (In thousands) December 31, 2019 2020 $ 558 2021 530 2022 478 2023 413 2024 366 2025 and thereafter 1,045 Total lease payments $ 3,390 Less: Interest (566 ) Present value of lease liabilities $ 2,824 As of December 31, 2019 , the Corporation had not entered into any material leases that have not yet commenced. Commitments to Borrowers Commitments to extend credit are legally binding loan commitments with set expiration dates. They are intended to be disbursed, subject to certain conditions, upon the request of the borrower. The Company was committed to advance approximately $272.8 million to its borrowers as of December 31, 2019 , compared to $289.9 million at December 31, 2018 . At December 31, 2019 , $119.2 million of these commitments expire within one year, compared to $181.9 million a year earlier. At December 31, 2019 , the Company had $4.8 million in standby letters of credit compared to $5.7 million at December 31, 2018 . The estimated fair value of these guarantees is not significant. The Company believes it has the necessary liquidity to honor all commitments. Litigation The Company may, in the ordinary course of business, become a party to litigation involving collection matters, contract claims and other legal proceedings relating to the conduct of its business. In the best judgment of management, based upon consultation with counsel, the consolidated financial position and results of operations of the Company will not be affected materially by the final outcome of any pending legal proceedings or other contingent liabilities and commitments.

Other Liabilities

Other Liabilities	12 Months Ended
	Dec. 31, 2019
Other Liabilities Disclosure [Abstract]
Other Liabilities	Other Liabilities The detail of other liabilities as of December 31 st for the past two years is as follows: (In thousands) December 31, 2019 December 31, 2018 Accrued expenses $ 7,372 $ 5,018 Lease liabilities 2,824 — Deferred compensation 1,804 1,332 Loan expense advances 993 1,160 Reserve for commitments 273 290 Other liabilities 1,088 4,466 Total other liabilities $ 14,354 $ 12,266

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss) The following table shows the changes in other comprehensive income (loss) for the past three years: For the year ended December 31, 2019 (In thousands) Net unrealized (losses) gains on securities Adjustments related to defined benefit plan Net unrealized gains (losses) from cash flow hedges Accumulated other comprehensive (loss) income Balance, beginning of period $ (721 ) $ (431 ) $ 1,030 $ (122 ) Other comprehensive income (loss) before reclassifications 1,332 — (862 ) 470 Less amounts reclassified from accumulated other comprehensive income (loss) 295 (136 ) — 159 Period change 1,037 136 (862 ) 311 Balance, end of period $ 316 $ (295 ) $ 168 $ 189 For the year ended December 31, 2018 (In thousands) Net unrealized losses on securities Adjustments related to defined benefit plan Net unrealized gains from cash flow hedges Accumulated other comprehensive income (loss) Balance, beginning of period $ (335 ) $ (341 ) $ 882 $ 206 Other comprehensive (loss) income before reclassifications (531 ) — 148 (383 ) Less amounts reclassified from accumulated other comprehensive (loss) income (145 ) 90 — (55 ) Period change (386 ) (90 ) 148 (328 ) Balance, end of period (1) $ (721 ) $ (431 ) $ 1,030 $ (122 ) (1) AOCI does not reflect the net reclassification of $35 thousand to Retained Earnings as a result of ASU 2016-01, "Financial Instruments Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities" & ASU 2018-02, "Income Statement - Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income". For the year ended December 31, 2017 (In thousands) Net unrealized (losses) gains on securities Adjustments related to defined benefit plan Net unrealized gains from cash flow hedges Accumulated other comprehensive income (loss) Balance, beginning of period $ (161 ) $ (391 ) $ 712 $ 160 Other comprehensive (loss) income before reclassifications (134 ) — 170 36 Less amounts reclassified from accumulated other comprehensive income (loss) 40 (50 ) — (10 ) Period change (174 ) 50 170 46 Balance, end of period $ (335 ) $ (341 ) $ 882 $ 206

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Shareholders’ Equity	Shareholders’ Equity Shareholders’ equity increased $22.2 million to $ 160.7 million at December 31, 2019 compared to $ 138.5 million at December 31, 2018 , primarily due to net income of $23.7 million . Other items impacting shareholders’ equity included $3.3 million in dividends paid on common stock, $1.5 million from the issuance of common stock under employee benefit plans and $311 thousand in accumulated other comprehensive income net of tax. The issuance of common stock under employee benefit plans includes nonqualified stock options and restricted stock expense related entries, employee option exercises and the tax benefit of options exercised. Repurchase Plan On July 16, 2019, the Company authorized the repurchase of up to 525 thousand shares, or approximately 5 percent of its outstanding common stock. The amount and timing of purchases is dependent upon a number of factors, including the price and availability of the Company’s shares, general market conditions and competing alternate uses of funds. The new plan replaces the Company's prior share repurchase program, which has since been terminated. There were no shares repurchased for the years ended December 31, 2019 , 2018 and 2017 .

Other Income

Other Income	12 Months Ended
	Dec. 31, 2019
Component of Operating Income [Abstract]
Other Income	Other Income The components of other income for the past three years are as follows: For the years ended December 31, (In thousands) 2019 2018 2017 ATM and check card fees $ 832 $ 760 $ 721 Wire transfer fees 170 134 104 Safe deposit box fees 90 91 92 Other 254 222 191 Total other income $ 1,346 $ 1,207 $ 1,108

Other Expenses

Other Expenses	12 Months Ended
	Dec. 31, 2019
Other Expenses [Abstract]
Other Expenses	Other Expenses The components of other expenses for the past three years are as follows: For the years ended December 31, (In thousands) 2019 2018 2017 Travel, entertainment, training and recruiting $ 871 $ 806 $ 761 Insurance 325 336 347 Stationery and supplies 214 228 249 Retail losses 86 60 37 Other 381 352 489 Total other expenses $ 1,877 $ 1,782 $ 1,883

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes On December 22, 2017 the Tax Act was signed into law, lowering the corporate federal income tax rate from 35% to 21%, which provided a significant tax benefit in 2019 and in 2018 and will continue to do so in subsequent years. However, net income for 2017 was adversely impacted because ASC 740, Income Taxes , required the Company to remeasure its deferred income tax balances as of the enactment date to reflect a rate of 21%. This remeasurement resulted in a $1.7 million increase in income tax expense and is included in the line "Federal - deferred provision" in the table below. On July 1, 2018, New Jersey's Assembly Bill 4202 was signed into law. The bill, effective January 1, 2018, imposes a temporary surtax on corporations earning New Jersey allocated taxable income in excess of $1 million at a rate of 2.5 percent for tax years beginning on or after January 1, 2018, through December 31, 2019, and at 1.5 percent for tax years beginning on or after January 1, 2020, through December 31, 2021. In addition, effective for periods on or after January 1, 2019, New Jersey requires mandatory unitary combined reporting of certain affiliates for its Corporation Business Tax. The components of the provision for income taxes for the past three years are as follows: For the years ended December 31, (In thousands) 2019 2018 2017 Federal - current provision $ 5,478 $ 5,507 $ 7,003 Federal - deferred (benefit) provision (285 ) (799 ) 1,702 Total federal provision 5,193 4,708 8,705 State - current provision 1,483 1,143 991 State - deferred (benefit) (14 ) (463 ) (156 ) Total state provision 1,469 680 835 Total provision for income taxes $ 6,662 $ 5,388 $ 9,540 Reconciliation between the reported income tax provision and the amount computed by multiplying income before taxes by the statutory Federal income tax rate for the past three years is as follows: For the years ended December 31, (In thousands, except percentages) 2019 2018 2017 Federal income tax provision at statutory rate $ 6,366 $ 5,734 $ 7,852 Increases (Decreases) resulting from: Stock option and restricted stock (185 ) (434 ) (428 ) Bank owned life insurance (123 ) (205 ) (164 ) Tax-exempt interest (22 ) (25 ) (56 ) Meals and entertainment 19 19 22 Captive insurance premium (209 ) (200 ) (295 ) State income taxes, net of federal income tax effect 1,161 538 543 Impact of rate change on deferred tax assets — — 1,733 Other, net (345 ) (39 ) 333 Provision for income taxes $ 6,662 $ 5,388 $ 9,540 Effective tax rate 22.0 % 19.7 % 42.5 % Deferred income taxes are provided for temporary differences between the financial reporting basis and the tax basis of the Company’s assets and liabilities. The components of the net deferred tax asset at December 31, 2019 and 2018 are as follows: (In thousands) December 31, 2019 December 31, 2018 Deferred tax assets: Allowance for loan losses $ 4,605 $ 4,476 SERP 1,006 790 Stock-based compensation 719 561 Deferred compensation 533 385 Net unrealized security losses — 292 Depreciation 159 231 State net operating loss 140 214 EVP retirement plan 133 130 Commitment reserve 77 84 Other 212 238 Gross deferred tax assets 7,584 7,401 Valuation allowance (140 ) (214 ) Total deferred tax assets 7,444 7,187 Deferred tax liabilities: Deferred loan costs 451 414 Goodwill 400 382 Prepaid insurance 354 324 Deferred servicing fees 311 243 Net unrealized security gains 111 — Bond accretion 73 72 Interest rate swaps 69 402 Other 116 — Total deferred tax liabilities 1,885 1,837 Net deferred tax asset $ 5,559 $ 5,350 The Company computes deferred income taxes under the asset and liability method. Deferred income taxes are recognized for tax consequences of “temporary differences” by applying enacted statutory tax rates to differences between the financial reporting and the tax basis of existing assets and liabilities. A deferred tax liability is recognized for all temporary differences that will result in future taxable income. A deferred tax asset is recognized for all temporary differences that will result in future tax deductions subject to reduction of the asset by a valuation allowance. The Company had a $140 thousand and $214 thousand valuation allowance for deferred tax assets related to its state net operating loss carry-forward deferred tax asset at December 31, 2019 and 2018 , respectively. The Company’s state net operating loss carry-forwards totaled approximately $2.0 million and $3.0 million at December 31, 2019 and 2018, respectively, and expire between 2030 and 2037. Included as a component of deferred tax assets is an income tax expense (benefit) related to unrealized gains (losses) on securities available for sale, a supplemental retirement plan (SERP) and interest rate swaps. The after-tax component of each of these is included in other comprehensive income (loss) in shareholders’ equity. The after-tax component related to securities available for sale was an unrealized gain (loss) of $280 thousand and $(757) thousand for 2019 and 2018 , respectively. The after-tax component related to the SERP was an unrealized loss of $295 thousand for 2019 , compared to $431 thousand (in 2018 . The after-tax component related to the interest rate swaps was an unrealized gain of $168 thousand for 2019 , compared to an unrealized gain of $1.0 million in the prior year. The Company follows FASB ASC Topic 740, “Income Taxes,” which prescribes a threshold for the financial statement recognition of income taxes and provides criteria for the measurement of tax positions taken or expected to be taken in a tax return. ASC 740 also includes guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition of income taxes. The Company did not recognize or accrue any interest or penalties related to income taxes during the years ended December 31, 2019 and 2018 . The Company does not have an accrual for uncertain tax positions as of December 31, 2019 or 2018 , as deductions taken and benefits accrued are based on widely understood administrative practices and procedures and are based on clear and unambiguous tax law. Tax returns for all years 2016 and thereafter are subject to future examination by tax authorities.

Net Income per Share

Net Income per Share	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Net Income per Share	Net Income per Share The following is a reconciliation of the calculation of basic and diluted net income per share for the past three years: For the years ended December 31, (In thousands, except per share amounts) 2019 2018 2017 Net income $ 23,653 $ 21,919 $ 12,893 Weighted average common shares outstanding - Basic 10,845 10,726 10,558 Plus: Potential dilutive common stock equivalents 184 190 191 Weighted average common shares outstanding - Diluted 11,029 10,916 10,749 Net income per common share - Basic $ 2.18 $ 2.04 $ 1.22 Net income per common share - Diluted 2.14 2.01 1.20 Stock options and common stock excluded from the income per share calculation as their effect would have been anti-dilutive 243 109 71

Regulatory Capital

Regulatory Capital	12 Months Ended
	Dec. 31, 2019
Regulatory Capital Requirements [Abstract]
Regulatory Capital	Regulatory Capital A significant measure of the strength of a financial institution is its capital base. Federal regulators have classified and defined capital into the following components: (1) tier 1 capital, which includes tangible shareholders’ equity for common stock, qualifying preferred stock and certain qualifying hybrid instruments, and (2) tier 2 capital, which includes a portion of the allowance for loan losses, subject to limitations, certain qualifying long-term debt, preferred stock and hybrid instruments, which do not qualify for tier 1 capital. The Bank is currently subject to various regulatory capital requirements administered by the FDIC. Quantitative measures of capital adequacy include the leverage ratio (tier 1 capital as a percentage of tangible assets), tier 1 risk-based capital ratio (tier 1 capital as a percent of risk-weighted assets), total risk-based capital ratio (total risk-based capital as a percent of total risk-weighted assets), and common equity tier 1 capital ratio. Minimum capital levels are regulated by risk-based capital adequacy guidelines, which require the Bank to maintain certain capital as a percentage of assets and certain off-balance sheet items adjusted for predefined credit risk factors (risk-weighted assets). Failure to meet minimum capital requirements can initiate certain mandatory and possibly discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action applicable to banks, the Bank must meet specific capital guidelines. Prompt corrective action provisions are not applicable to bank holding companies. Under the Federal Reserve's small bank holding company policy, holding companies with less than $3.0 billion in consolidated assets, like the Parent Company, are exempt from the FRB's consolidated capital requirements. In September 2010, the Group of Governors and Heads of Supervision, the oversight body of the Basel Committee on Banking Supervision, adopted Basel III, which constitutes a set of capital reform measures designed to strengthen the regulation, supervision and risk management of banking organizations worldwide. In order to implement Basel III and certain additional capital changes required by the Dodd-Frank Act, the FDIC approved, as an interim final rule in July 2013, the regulatory capital requirements substantially similar to final rules issued by the Board of Governors of the Federal Reserve System (“Federal Reserve”) for U.S. state nonmember banks and the Office of the Comptroller of the Currency for national banks. The interim final rule included new risk-based capital and leverage ratios that were phased-in from 2015 to 2019 for most state nonmember banks. The rule includes a new common equity Tier 1 capital (“CET1”) to risk-weighted assets ratio of 4.5% and a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets, which is in addition to the Tier 1 and Total risk-based capital requirements. The interim final rule also raised the minimum ratio of Tier 1 capital to risk-weighted assets from 4.0% to 6.0% and requires a minimum leverage ratio of 4.0%. The required minimum ratio of total capital to risk-weighted assets remained 8.0%. The new risk-based capital requirements (except for the capital conservation buffer) became effective for the Bank on January 1, 2015. The new rules also included a one-time opportunity to opt-out of the changes to treatment of accumulated other comprehensive income (“AOCI”) components. By making the election to opt-out, the institution may continue treating AOCI items in a manner consistent with risk-based capital rules in place prior to January 2015. The Bank and the Company have made the election to opt out of the treatment of AOCI on the appropriate March 31, 2015 filings. The following table summarizes the Company's and the Bank's regulatory capital ratios at December 31, 2019 and December 31, 2018 , as well as the minimum regulatory capital ratios required for the Bank to be deemed "well-capitalized". At December 31, 2019 Required for capital adequacy purposes effective To be well-capitalized under prompt corrective action regulations Company Bank January 1, 2019 Bank Leverage ratio 10.59 % 10.15 % 4.00 % 5.00 % CET1 11.59 % 11.81 % 7.00 % (1 ) 6.50 % Tier I risk-based capital ratio 12.32 % 11.81 % 8.50 % (1 ) 8.00 % Total risk-based capital ratio 13.06 % 12.58 % 10.50 % (1 ) 10.00 % At December 31, 2018 Required for capital To be well-capitalized under prompt corrective action regulations Company Bank January 1, 2018 Bank Leverage ratio 9.90 % 9.52 % 4.000 % 5.00 % CET1 11.40 % 11.80 % 6.375 % (2 ) 6.50 % Tier I risk-based capital ratio 12.24 % 11.80 % 7.875 % (2 ) 8.00 % Total risk-based capital ratio 13.49 % 13.05 % 9.875 % (2 ) 10.00 % (1) Includes 2.5% capital conservation buffer. (2) Includes 1.875% capital conservation buffer. At December 31, 2019 and 2018 , Unity Bank is “well-capitalized” under the applicable regulatory capital adequacy guidelines.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2019
Employee Benefits and Share-based Compensation, Noncash [Abstract]
Employee Benefit Plans	Employee Benefit Plans Stock Option Plans The Company has incentive and nonqualified option plans, which allow for the grant of options to officers, employees and members of the Board of Directors. Grants under the Company's incentive and nonqualified option plans generally vest over 3 years and must be exercised within 10 years of the date of grant. Transactions under the Company’s stock option plans for 2019 , 2018 and 2017 are summarized in the following table: Shares Weighted average exercise price Weighted average remaining contractual life in years Aggregate intrinsic value Outstanding at December 31, 2016 552,759 $ 7.26 5.7 $ 4,663,432 Options granted 47,100 16.37 Options exercised (94,679 ) 6.19 Options forfeited — — Options expired (607 ) 11.48 Outstanding at December 31, 2017 504,573 $ 8.31 5.7 $ 5,772,843 Options granted 203,000 20.15 Options exercised (115,962 ) 4.97 Options forfeited (7,433 ) 15.47 Options expired — — Outstanding at December 31, 2018 584,178 $ 13.00 7.1 $ 4,574,680 Options granted 96,000 21.31 Options exercised (60,534 ) 7.49 Options forfeited (5,333 ) 19.38 Options expired — — Outstanding at December 31, 2019 614,311 $ 14.78 6.9 $ 4,783,402 Exercisable at December 31, 2019 372,794 $ 11.16 5.6 $ 4,254,086 On April 25, 2019, The Company adopted the 2019 Equity Compensation Plan providing for grants of up to 500,000 shares to be allocated between incentive and non-qualified stock options, restricted stock awards, performance units and deferred stock. The Plan replaced all previously approved and established equity plans then currently in effect. As of December 31, 2019 , 41,000 options and 15,900 shares of restricted stock have been awarded from the plan leaving 443,100 shares available for future grants. The fair values of the options granted during 2019 , 2018 and 2017 were estimated on the date of grant using the Black-Scholes option-pricing model with the following weighted average assumptions: For the years ended December 31, 2019 2018 2017 Number of options granted 96,000 203,000 47,100 Weighted average exercise price $ 21.31 $ 20.15 $ 16.37 Weighted average fair value of options $ 6.20 $ 6.04 $ 4.64 Expected life in years (1) 8.23 7.17 6.57 Expected volatility (2) 27.05 % 26.60 % 28.12 % Risk-free interest rate (3) 2.21 % 2.61 % 2.18 % Dividend yield (4) 1.37 % 1.23 % 1.15 % (1) The expected life of the options was estimated based on historical employee behavior and represents the period of time that options granted are expected to be outstanding. (2) The expected volatility of the Company’s stock price was based on the historical volatility over the period commensurate with the expected life of the options. (3) The risk-free interest rate is the U.S. Treasury rate commensurate with the expected life of the options on the date of grant. (4) The expected dividend yield is the projected annual yield based on the grant date stock price. Upon exercise, the Company issues shares from its authorized but unissued common stock to satisfy the options. The following table presents information about options exercised during 2019 , 2018 and 2017 : For the years ended December 31, 2019 2018 2017 Number of options exercised 60,534 115,962 94,679 Total intrinsic value of options exercised $ 792,446 $ 1,949,853 $ 1,073,474 Cash received from options exercised 453,326 576,119 509,047 Tax deduction realized from options exercised 238,407 548,104 438,514 The following table summarizes information about stock options outstanding and exercisable at December 31, 2019 : Options outstanding Options exercisable Range of exercise prices Options outstanding Weighted average remaining contractual life (in years) Weighted average exercise price Options exercisable Weighted average exercise price $0.00 - $6.00 61,761 2.7 $ 5.60 61,761 $ 5.60 $6.01 - $12.00 193,517 5.2 8.70 193,517 8.70 $12.01 - $18.00 67,533 7.1 15.78 52,336 15.60 $18.01 - $24.00 291,500 8.8 20.54 65,180 20.16 Total 614,311 6.9 $ 14.78 372,794 $ 11.16 FASB ASC Topic 718, “Compensation - Stock Compensation,” requires an entity to recognize the fair value of equity awards as compensation expense over the period during which an employee is required to provide service in exchange for such an award (vesting period). Compensation expense related to stock options and the related income tax benefit for the years ended December 31, 2019 , 2018 and 2017 are detailed in the following table: For the years ended December 31, 2019 2018 2017 Compensation expense $ 606,626 $ 478,733 $ 283,823 Income tax benefit 175,315 134,572 115,942 As of December 31, 2019 , unrecognized compensation costs related to nonvested share-based compensation arrangements granted under the Company’s stock option plans totaled approximately $1.1 million . That cost is expected to be recognized over a weighted average period of 2.0 years . Restricted Stock Awards Restricted stock is issued under the stock bonus program to reward employees and directors and to retain them by distributing stock over a period of time. Restricted stock awards granted to date vest over a period of 4 years and are recognized as compensation to the recipient over the vesting period. The awards are recorded at fair market value at the time of grant and amortized into salary expense on a straight line basis over the vesting period. The following table summarizes nonvested restricted stock activity for the year ended December 31, 2019 : Shares Average grant date fair value Nonvested restricted stock at December 31, 2018 105,312 $ 16.55 Granted 46,050 20.84 Canceled (1,557 ) 16.78 Vested (41,065 ) 14.40 Nonvested restricted stock at December 31, 2019 108,740 $ 19.18 Restricted stock awards granted during the years ended December 31, 2019 , 2018 and 2017 were as follows: For the years ended December 31, 2019 2018 2017 Number of shares granted 46,050 47,550 38,400 Average grant date fair value $ 20.84 $ 20.77 $ 16.36 Compensation expense related to the restricted stock for the years ended December 31, 2019 , 2018 and 2017 is detailed in the following table: For the years ended December 31, 2019 2018 2017 Compensation expense $ 664,484 $ 574,236 $ 462,470 Income tax benefit 192,036 161,418 188,919 As of December 31, 2019 , there was approximately $1.6 million of unrecognized compensation cost related to nonvested restricted stock awards granted under the Company’s stock incentive plans. That cost is expected to be recognized over a weighted average period of 2.7 years . 401(k) Savings Plan The Bank has a 401(k) savings plan covering substantially all employees. Under the Plan, an employee can contribute up to 80 percent of their salary on a tax deferred basis. The Bank may also make discretionary contributions to the Plan. The Bank contributed $648 thousand , $601 thousand and $492 thousand to the Plan in 2019 , 2018 and 2017 , respectively. Deferred Fee Plan The Company has a deferred fee plan for Directors and executive management. Directors of the Company have the option to elect to defer up to 100 percent of their respective retainer and Board of Director fees, and each member of executive management has the option to elect to defer 100 percent of their year end cash bonuses. Director and executive deferred fees totaled $379 thousand in 2019 , $297 thousand in 2018 and $149 thousand in 2017 , and the interest paid on deferred balances totaled $107 thousand in 2019 , $67 thousand in 2018 and $44 thousand in 2017 . The fees distributed on the deferred balances totaled $14 thousand in 2019 and 2018 and $8 thousand in 2017 . Benefit Plans In addition to the 401(k) savings plan which covers substantially all employees, in 2015 the Company established an unfunded supplemental defined benefit plan to provide additional retirement benefits for the President and Chief Executive Officer (“CEO”) and certain key executives. On June 4, 2015, the Company approved the Supplemental Executive Retirement Plan (“SERP”) pursuant to which the President and CEO is entitled to receive certain supplemental nonqualified retirement benefits. The Retirement Benefit shall be an amount equal to sixty percent ( 60% ) of the average of the Executive's base salary for the thirty-six ( 36 ) months immediately preceding executive's separation from service after age 66, adjusted annually thereafter by two percent ( 2% ). The total benefit is to be made payable in fifteen annual installments. The future payments are estimated to total $6.6 million . A discount rate of four percent ( 4% ) was used to calculate the present value of the benefit obligation. The President and CEO commenced vesting to this retirement benefit on January 1, 2014, and it will vest an additional three percent ( 3% ) each year until fully vested on January 1, 2024. In the event that the President and CEO’s separation from service from the Company were to occur prior to full vesting, the President and CEO would be entitled to and shall be paid the vested portion of the retirement benefit calculated as of the date of separation from service. Notwithstanding the foregoing, upon a Change in Control, and provided that within 6 months following the Change in Control the President and CEO is involuntarily terminated for reasons other than “cause” or the President and CEO resigns for “good reason”, as such is defined in the SERP, or the President and CEO voluntarily terminates his employment after being offered continued employment in a position that is not a “Comparable Position”, as such is also defined in the SERP, the President and CEO shall become one hundred percent ( 100% ) vested in the full retirement benefit. No contributions or payments have been made for the year 2019 , 2018 or 2017 . The following table summarizes the components of the net periodic pension cost of the defined benefit plan recognized during the years ended December 31, 2019 , 2018 and 2017 : For the years ended December 31, (In thousands) 2019 2018 2017 Service cost (1) $ 689 $ 1,460 $ 121 Interest cost 135 101 43 Amortization of prior service cost 83 83 83 Net periodic benefit cost $ 907 $ 1,644 $ 247 (1) On September 27, 2018, the Company approved a change in calculation of the Retirement Benefit resulting in an additional $1.1 million in current expense. The following table summarizes the changes in benefit obligations of the defined benefit plan recognized during the years ended December 31, 2019 , 2018 and 2017 : For the years ended December 31, (In thousands) 2019 2018 2017 Benefit obligation, beginning of year $ 2,747 $ 1,187 $ 1,023 Service cost (1) 689 1,460 121 Interest cost 135 101 43 Benefit obligation, end of year $ 3,571 $ 2,747 $ 1,187 (1) On September 27, 2018, the Company approved a change in calculation of the Retirement Benefit resulting in an additional $1.1 million in current expense. On October 22, 2015, the Company entered into an Executive Incentive Retirement Plan (the “Plan”) with key executive officers. The Plan has an effective date of January 1, 2015. The Plan is an unfunded, nonqualified deferred compensation plan. For any Plan Year, a guaranteed annual Deferral Award percentage of seven and one half percent ( 7.5% ) of the participant’s annual base salary shall be credited to each Participant’s Deferred Benefit Account. A discretionary annual Deferral Award equal to seven and one half percent ( 7.5% ) of the participant’s annual base salary may be credited to the Participant’s account in addition to the guaranteed Deferral Award, if the Bank exceeds the benchmarks set forth in the Annual Executive Bonus Matrix. The total Deferral Award shall never exceed fifteen percent ( 15% ) of the participant's base salary for any given Plan Year. Each Participant shall be one hundred percent ( 100% ) vested in all Deferral Awards as of the date they are awarded. As of December 31, 2019 , the Company had total expenses of $ 115 thousand , compared to $ 88 thousand in 2018 and $90 thousand in 2017 . The Plan is reflected on the Company’s balance sheet as accrued expenses. Certain members of management are also enrolled in a split-dollar life insurance plan with a post retirement death benefit of $250 thousand . Total expenses related to this plan were $5 thousand , $18 thousand and $5 thousand in 2019 , 2018 and 2017 , respectively.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value	Fair Value Fair Value Measurement The Company follows FASB ASC Topic 820, “Fair Value Measurement and Disclosures,” which requires additional disclosures about the Company’s assets and liabilities that are measured at fair value. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. In determining fair value, the Company uses various methods including market, income and cost approaches. Based on these approaches, the Company often utilizes certain assumptions that market participants would use in pricing the asset or liability, including assumptions about risk and/or the risks inherent in the inputs to the valuation technique. These inputs can be readily observable, market corroborated, or generally unobservable inputs. The Company utilizes techniques that maximize the use of observable inputs and minimize the use of unobservable inputs. The fair value hierarchy ranks the quality and reliability of the information used to determine fair values. Financial assets and liabilities carried at fair value will be classified and disclosed as follows: Level 1 Inputs • Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. • Generally, this includes debt and equity securities and derivative contracts that are traded in an active exchange market (i.e. New York Stock Exchange), as well as certain U.S. Treasury, U.S. Government and sponsored entity agency mortgage-backed securities that are highly liquid and are actively traded in over-the-counter markets. Level 2 Inputs • Quoted prices for similar assets or liabilities in active markets. • Quoted prices for identical or similar assets or liabilities in inactive markets. • Inputs other than quoted prices that are observable, either directly or indirectly, for the term of the asset or liability (i.e., interest rates, yield curves, credit risks, prepayment speeds or volatilities) or “market corroborated inputs.” • Generally, this includes U.S. Government and sponsored entity mortgage-backed securities, corporate debt securities and derivative contracts. Level 3 Inputs • Prices or valuation techniques that require inputs that are both unobservable (i.e. supported by little or no market activity) and that are significant to the fair value of the assets or liabilities. • These assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. Fair Value on a Recurring Basis The following is a description of the valuation methodologies used for instruments measured at fair value on a recurring basis: Debt Securities Available for Sale The fair value of available for sale ("AFS") debt securities is the market value based on quoted market prices, when available, or market prices provided by recognized broker dealers (Level 1). If listed prices or quotes are not available, fair value is based upon quoted market prices for similar or identical assets or other observable inputs (Level 2) or externally developed models that use unobservable inputs due to limited or no market activity of the instrument (Level 3). As of December 31, 2019 , the fair value of the Company's AFS debt securities portfolio was $64.3 million . Approximately 44 percent of the portfolio was made up of residential mortgage-backed securities, which had a fair value of $28.0 million at December 31, 2019 . Approximately $28.0 million of the residential mortgage-backed securities are guaranteed by the Government National Mortgage Association ("GNMA"), the Federal National Mortgage Association ("FNMA") or the Federal Home Loan Mortgage Corporation ("FHLMC"). The underlying loans for these securities are residential mortgages that are geographically dispersed throughout the United States. All of the Company’s AFS debt securities were classified as Level 2 assets at December 31, 2019 . The valuation of AFS debt securities using Level 2 inputs was primarily determined using the market approach, which uses quoted prices for similar assets or liabilities in active markets and all other relevant information. It includes model pricing, defined as valuing securities based upon their relationship with other benchmark securities. Equity Securities with Readily Determinable Fair Values The fair value of equity securities is the market value based on quoted market prices, when available, or market prices provided by recognized broker dealers (Level 1). If listed prices or quotes are not available, fair value is based upon quoted market prices for similar or identical assets or other observable inputs (Level 2) or externally developed models that use unobservable inputs due to limited or no market activity of the instrument (Level 3). As of December 31, 2019 , the fair value of the Company's equity securities portfolio was $2.3 million. All of the Company's equity securities were classified as Level 2 assets at December 31, 2019 . The valuation of securities using Level 2 inputs was primarily determined using the market approach, which uses quoted prices for similar assets or liabilities in active markets and all other relevant information. There were no changes in the inputs or methodologies used to determine fair value during the period ended December 31, 2019, as compared to the period ended December 31, 2018. Loans Held for Sale Fair value for loans held for sale is derived from quoted market prices for similar loans, in which case they are characterized as Level 2 assets in the fair value hierarchy. Interest Rate Swap Agreements The fair value of interest rate swap agreements is the market value based on quoted market prices, when available, or market prices provided by recognized broker dealers (Level 1). If listed prices or quotes are not available, fair value is based upon quoted market prices for similar or identical assets or other observable inputs (Level 2) or externally developed models that use unobservable inputs due to limited or no market activity of the instrument (Level 3). The Company's derivative instruments are classified as Level 2 assets, as the readily observable market inputs to these models are validated to external sources, such as industry pricing services, or are corroborated through recent trades, dealer quotes, yield curves, implied volatility or other market-related data. The tables below present the balances of assets measured at fair value on a recurring basis as of December 31 st for the past two years: Fair Value Measurements at December 31, 2019 Using (In thousands) Assets/Liabilities Measured at Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Measured on a recurring basis: Assets: Debt Securities available for sale: U.S. Government sponsored entities $ 5,753 $ — $ 5,753 $ — State and political subdivisions 5,154 — 5,154 — Residential mortgage-backed securities 27,964 — 27,964 — Corporate and other securities 25,404 — 25,404 — Total debt securities available for sale $ 64,275 $ — $ 64,275 $ — Equity securities with readily determinable fair values 2,289 — 2,289 — Total equity securities $ 2,289 $ — $ 2,289 $ — Loans held for sale 14,862 — 14,862 — Total loans held for sale $ 14,862 $ — $ 14,862 $ — Interest rate swap agreements 238 — 238 — Total swap agreements $ 238 $ — $ 238 $ — Fair Value Measurements at December 31, 2018 Using (In thousands) Assets/Liabilities Measured at Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Measured on a recurring basis: Assets: Debt Securities available for sale: U.S. Government sponsored entities $ 5,642 $ — $ 5,642 $ — State and political subdivisions 4,498 — 4,498 — Residential mortgage-backed securities 26,613 — 26,613 — Corporate and other securities 9,960 — 9,960 — Total debt securities available for sale $ 46,713 $ — $ 46,713 $ — Equity securities with readily determinable fair values 2,144 — 2,144 — Total equity securities $ 2,144 $ — $ 2,144 $ — Loans held for sale 12,177 — 12,177 — Total loans held for sale $ 12,177 $ — $ 12,177 $ — Interest rate swap agreements 1,433 — 1,433 — Total swap agreements $ 1,433 $ — $ 1,433 $ — Fair Value on a Nonrecurring Basis The following tables present the assets and liabilities subject to fair value adjustments (impairment) on a non-recurring basis carried on the balance sheet by caption and by level within the hierarchy (as described above): Fair Value Measurements at December 31, 2019 Using (In thousands) Assets/Liabilities Measured at Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Net (Credit) Provision During Period Measured on a non-recurring basis: Financial assets: OREO $ 1,723 $ — $ — $ 1,723 $ (231 ) Impaired collateral-dependent loans 1,925 — — 1,925 (253 ) Fair Value Measurements at December 31, 2018 Using (In thousands) Assets/Liabilities Measured at Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Net (Credit) Provision During Period Measured on a non-recurring basis: Financial assets: OREO $ 56 $ — $ — $ 56 $ (196 ) Impaired collateral-dependent loans 2,625 — — 2,625 (335 ) Certain Assets and liabilities are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following is a description of the valuation methodologies used for instruments measured at fair value on a nonrecurring basis: Appraisal Policy All appraisals must be performed in accordance with the Uniform Standards of Professional Appraisal Practice ("USPAP"). Appraisals are certified to the Company and performed by appraisers on the Company's approved list of appraisers. Evaluations are completed by a person independent of Company management. The content of the appraisal depends on the complexity of the property. Appraisals are completed on a "retail value" and an "as is value." OREO The fair value of OREO is determined using appraisals, which may be discounted based on management's review and changes in market conditions (Level 3 Inputs). Impaired Collateral-Dependent Loans The fair value of impaired collateral-dependent loans is derived in accordance with FASB ASC Topic 310, "Receivables." Fair value is determined based on the loan's observable market price or the fair value of the collateral. Partially charged-off loans are measured for impairment based upon an appraisal for collateral-dependent loans. When an updated appraisal is received for a nonperforming loan, the value on the appraisal is discounted in the manner discussed above. If there is a deficiency in the value after the Company applies these discounts, management applies a specific reserve and the loan remains in nonaccrual status. The receipt of an updated appraisal would not qualify as a reason to put a loan back into accruing status. The Company removes loans from nonaccrual status generally when the borrower makes three months of contractual payments and demonstrates the ability to service the debt going forward. Charge-offs are determined based upon the loss that management believes the Company will incur after evaluating collateral for impairment based upon the valuation methods described above and the ability of the borrower to pay any deficiency. The valuation allowance for impaired loans is included in the allowance for loan losses in the consolidated balance sheets. At December 31, 2019, the valuation allowance for impaired loans was $414 thousand , a decrease of $253 thousand from $667 thousand at December 31, 2018. Fair Value of Financial Instruments FASB ASC Topic 825, “Financial Instruments,” requires the disclosure of the estimated fair value of certain financial instruments, including those financial instruments for which the Company did not elect the fair value option. These estimated fair values as of December 31, 2019 and December 31, 2018 have been determined using available market information and appropriate valuation methodologies. Considerable judgment is required to interpret market data to develop estimates of fair value. The estimates presented are not necessarily indicative of amounts the Company could realize in a current market exchange. The use of alternative market assumptions and estimation methodologies could have had a material effect on these estimates of fair value. The methodology for estimating the fair value of financial assets and liabilities that are measured on a recurring or nonrecurring basis are discussed above. The following methods and assumptions were used to estimate the fair value of other financial instruments for which it is practicable to estimate that value: Cash and Cash Equivalents For these short-term instruments, the carrying value is a reasonable estimate of fair value. Securities The fair value of securities is based upon quoted market prices for similar or identical assets or other observable inputs (Level 2) or externally developed models that use unobservable inputs due to limited or no market activity of the instrument (Level 3). SBA Loans Held for Sale The fair value of SBA loans held for sale is estimated by using a market approach that includes significant other observable inputs. Loans The fair value of loans is estimated by discounting the future cash flows using current market rates that reflect the interest rate risk inherent in the loan, except for previously discussed impaired loans. FHLB Stock Federal Home Loan Bank stock is carried at cost. Carrying value approximates fair value based on the redemption provisions of the issues. Servicing Assets Servicing assets do not trade in an active, open market with readily observable prices. The Company estimates the fair value of servicing assets using discounted cash flow models incorporating numerous assumptions from the perspective of a market participant including market discount rates and prepayment speeds. Accrued Interest The carrying amounts of accrued interest approximate fair value. Deposit Liabilities The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date (i.e. carrying value). The fair value of fixed-maturity certificates of deposit is estimated by discounting the future cash flows using current market rates. Borrowed Funds and Subordinated Debentures The fair value of borrowings is estimated by discounting the projected future cash flows using current market rates. Standby Letters of Credit At December 31, 2019 , the Bank had standby letters of credit outstanding of $4.8 million , as compared to $5.7 million at December 31, 2018 . The fair value of these commitments is nominal. The table below presents the carrying amount and estimated fair values of the Company’s financial instruments not previously presented as of December 31 st for the past two years: December 31, 2019 December 31, 2018 (In thousands) Fair value level Carrying amount Estimated fair value Carrying amount Estimated fair value Financial assets: Cash and cash equivalents Level 1 $ 158,016 $ 158,016 $ 145,515 $ 145,515 Securities (1) Level 2 66,564 66,564 63,732 63,600 SBA loans held for sale Level 2 13,529 14,862 11,171 12,177 Loans, net of allowance for loan losses (2) Level 2 1,395,634 1,398,997 1,277,907 1,268,909 Federal Home Loan Bank stock Level 2 14,184 14,184 10,795 10,795 Servicing assets Level 3 2,026 2,026 2,375 2,375 Accrued interest receivable Level 2 6,984 6,984 6,399 6,399 OREO Level 3 1,723 1,723 56 56 Financial liabilities: Deposits Level 2 1,250,114 1,252,082 1,207,687 1,204,731 Borrowed funds and subordinated debentures Level 2 293,310 292,766 220,310 218,879 Accrued interest payable Level 2 455 455 406 406 (1) At December 31, 2018, includes held to maturity ("HTM") corporate securities that are considered Level 3. These securities had book values of $ 3.6 million and market values of $ 3.4 million. Includes one corporate bond with a book value and market value of $1.0 million . (2) Includes impaired loans that are considered Level 3 and reported separately in the tables under the “Fair Value on a Nonrecurring Basis” heading. Collateral-dependent impaired loans, net of specific reserves totaled $1.9 million and $2.6 million at December 31, 2019 and 2018 . Limitations Fair value estimates are made at a point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on- and off-statement of condition financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the effect of fair value estimates have not been considered in the above estimates.

Condensed Financial Statements

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only)	Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) Balance Sheets (In thousands) December 31, 2019 December 31, 2018 ASSETS Cash and cash equivalents $ 2,308 $ 1,209 Equity securities 1,355 1,239 Investment in subsidiaries 164,881 143,487 Premises and equipment, net 3,849 3,893 Other assets 967 1,372 Total assets $ 173,360 $ 151,200 LIABILITIES AND SHAREHOLDERS' EQUITY Loan due to subsidiary bank $ 2,304 $ 2,396 Other liabilities 37 6 Subordinated debentures 10,310 10,310 Shareholders' equity 160,709 138,488 Total liabilities and shareholders' equity $ 173,360 $ 151,200 Statements of Income For the year ended December 31, (In thousands) 2019 2018 2017 Dividend from Bank $ 3,300 $ 2,890 $ 2,452 Gain on sales of securities 17 — — Other income 454 425 413 Total income 3,771 3,315 2,865 Interest expenses 366 251 251 Market value (appreciation) write-downs on equity securities (293 ) 171 — Other expenses 251 261 251 Total expenses 324 683 502 Income before provision for income taxes and equity in undistributed net income of subsidiary 3,447 2,632 2,363 Benefit (provision) for income taxes 78 (14 ) (15 ) Income before equity in undistributed net income of subsidiary 3,369 2,646 2,378 Equity in undistributed net income of subsidiary 20,284 19,273 10,515 Net income $ 23,653 $ 21,919 $ 12,893 Statements of Cash Flows For the year ended December 31, (In thousands) 2019 2018 2017 OPERATING ACTIVITIES Net income $ 23,653 $ 21,919 $ 12,893 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiary (20,284 ) (19,273 ) (10,515 ) Gain on sales of securities (17 ) — — Net change in other assets and other liabilities 506 377 (81 ) Net cash provided by operating activities 3,858 3,023 2,297 INVESTING ACTIVITIES Purchase of land and building (64 ) — (55 ) Purchases of securities — (1,133 ) (262 ) Proceeds from sales of securities 198 — — Net cash provided by (used in) investing activities 134 (1,133 ) (317 ) FINANCING ACTIVITIES Proceeds from exercise of stock options 453 576 509 Repayment of advances from subsidiaries (91 ) (87 ) (83 ) Cash dividends paid on common stock (3,255 ) (2,802 ) (2,380 ) Net cash used in financing activities (2,893 ) (2,313 ) (1,954 ) Increase (decrease) in cash and cash equivalents 1,099 (423 ) 26 Cash and cash equivalents, beginning of period 1,209 1,632 1,606 Cash and cash equivalents, end of period $ 2,308 $ 1,209 $ 1,632 SUPPLEMENTAL DISCLOSURES Interest paid $ 479 $ 368 $ 374

Quarterly Financial Information

Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information (Unaudited)	Quarterly Financial Information (Unaudited) The following quarterly financial information for the years ended December 31, 2019 , 2018 and 2017 is unaudited. However, in the opinion of management, all adjustments, which include normal recurring adjustments necessary to present fairly the results of operations for the periods, are reflected. 2019 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 18,500 $ 18,781 $ 19,055 $ 19,312 Total interest expense 4,284 4,571 4,651 4,549 Net interest income 14,216 14,210 14,404 14,763 Provision for loan losses 500 350 750 500 Net interest income after provision for loan losses 13,716 13,860 13,654 14,263 Total noninterest income 2,020 2,411 2,710 2,398 Total noninterest expense 8,476 8,791 8,729 8,721 Income before provision for income taxes 7,260 7,480 7,635 7,940 Provision for income taxes 1,520 1,646 1,676 1,820 Net income $ 5,740 $ 5,834 $ 5,959 $ 6,120 Net income per common share - Basic $ 0.53 $ 0.54 $ 0.55 $ 0.56 Net income per common share - Diluted 0.52 0.53 0.54 0.55 2018 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 15,640 $ 16,369 $ 17,194 $ 18,060 Total interest expense 2,768 3,225 3,627 3,896 Net interest income 12,872 13,144 13,567 14,164 Provision for loan losses 500 550 500 500 Net interest income after provision for loan losses 12,372 12,594 13,067 13,664 Total noninterest income 2,286 2,312 2,479 1,954 Total noninterest expense 8,194 8,158 8,801 8,268 Income before provision for income taxes 6,464 6,748 6,745 7,350 Provision for income taxes 1,235 1,351 1,255 1,547 Net income $ 5,229 $ 5,397 $ 5,490 $ 5,803 Net income per common share - Basic $ 0.49 $ 0.50 $ 0.51 $ 0.54 Net income per common share - Diluted 0.48 0.49 0.50 0.53 2017 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 12,594 $ 13,477 $ 14,195 $ 15,044 Total interest expense 2,204 2,327 2,378 2,544 Net interest income 10,390 11,150 11,817 12,500 Provision for loan losses 250 400 500 500 Net interest income after provision for loan losses 10,140 10,750 11,317 12,000 Total noninterest income 2,204 2,021 2,008 2,037 Total noninterest expense 7,440 7,421 7,554 7,629 Income before provision for income taxes 4,904 5,350 5,771 6,408 Provision for income taxes 1,712 1,906 2,014 3,908 Net income $ 3,192 $ 3,444 $ 3,757 $ 2,500 Net income per common share - Basic $ 0.30 $ 0.33 $ 0.36 $ 0.23 Net income per common share - Diluted 0.30 0.32 0.35 0.23

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Overview	Overview The accompanying Consolidated Financial Statements include the accounts of Unity Bancorp, Inc. (the “Parent Company”) and its wholly-owned subsidiary, Unity Bank (the “Bank” or when consolidated with the Parent Company, the “Company”). All significant intercompany balances and transactions have been eliminated in consolidation. Unity Bancorp, Inc. is a bank holding company incorporated in New Jersey and registered under the Bank Holding Company Act of 1956, as amended. Its wholly-owned subsidiary, the Bank, is chartered by the New Jersey Department of Banking and Insurance. The Bank provides a full range of commercial and retail banking services through nineteen branch offices located in Bergen, Hunterdon, Middlesex, Somerset, Union and Warren counties in New Jersey and Northampton County in Pennsylvania. These services include the acceptance of demand, savings, and time deposits and the extension of consumer, real estate, Small Business Administration (“SBA”) and other commercial credits. Unity Bank has nine wholly-owned subsidiaries: Unity Investment Services, Inc., AJB Residential Realty Enterprises, Inc., AJB Commercial Realty, Inc., MKCD Commercial, Inc., JAH Commercial, Inc., UB Commercial LLC, ASBC Holdings LLC, Unity Property Holdings 1, Inc., and Unity Property Holdings 2, Inc. Unity Investment Services, Inc. is used to hold and administer part of the Bank’s investment portfolio. The other subsidiaries hold, administer and maintain the Bank’s other real estate owned (“OREO”) properties. Unity Investment Services, Inc. has one subsidiary, Unity Delaware Investment 2, Inc., which has one subsidiary, Unity NJ REIT, Inc. Unity NJ REIT, Inc. was formed in 2013 to hold loans. The Company has two wholly-owned subsidiaries: Unity (NJ) Statutory Trust II and Unity Risk Management, Inc. For additional information on Unity (NJ) Statutory Trust II, see Note 9 to the Consolidated Financial Statements. Unity Risk Management, Inc. is the Company's captive insurance company that insures risks to the Bank not insured by the traditional commercial insurance market.
Use Of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Amounts requiring the use of significant estimates include the allowance for loan losses, valuation of deferred tax and servicing assets, the carrying value of loans held for sale and other real estate owned, the valuation of securities and the determination of other-than-temporary impairment for securities and fair value disclosures. Actual results could differ from those estimates.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and interest-bearing deposits.
Securities	Securities The Company classifies its securities into three categories, available for sale, held to maturity and equity investments. Securities that are classified as available for sale are stated at fair value. Unrealized gains and losses on securities available for sale are generally excluded from results of operations and are reported as other comprehensive income, a separate component of shareholders' equity, net of taxes. Securities classified as available for sale include securities that may be sold in response to changes in interest rates, changes in prepayment risks or for asset/liability management purposes. The cost of securities sold is determined on a specific identification basis. Gains and losses on sales of securities are recognized in the Consolidated Statements of Income on the date of sale. Securities are classified as held to maturity based on management’s intent and ability to hold them to maturity. Such securities are stated at cost, adjusted for unamortized purchase premiums and discounts using the level yield method. If transfers between the available for sale and held to maturity portfolios occur, they are accounted for at fair value and unrealized holding gains and losses are accounted for at the date of transfer. For securities transferred to available for sale from held to maturity, unrealized gains or losses as of the date of the transfer are recognized in other comprehensive income (loss), a separate component of shareholders’ equity. For securities transferred into the held to maturity portfolio from the available for sale portfolio, unrealized gains or losses as of the date of transfer continue to be reported in other comprehensive income (loss), and are amortized over the remaining life of the security as an adjustment to its yield, consistent with amortization of the premium or accretion of the discount. Equity securities are investments carried at fair value that may be sold in response to changing market and interest rate conditions or for other business purposes. Activity in this portfolio is undertaken primarily to manage liquidity and interest rate risk, to take advantage of market conditions that create economically attractive returns and as an additional source of earnings. These securities were transferred from available for sale and reclassified into equity securities on the balance sheet as a result of the adoption of ASU 2016-01 in January 2018. Periodic net gains and losses on equity investments are recognized in the income statement as realized gains and losses. For additional information on securities, see Note 3 to the Consolidated Financial Statements. Other-Than-Temporary Impairment The Company has a process in place to identify debt securities that could potentially incur credit impairment that is other-than-temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts and cash flow projections as indicators of credit issues. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concern warrants such evaluation. This evaluation considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (1) the extent and length of time the fair value has been below cost; (2) the reasons for the decline in value; (3) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (4) for fixed maturity securities, the intent to sell a security or whether it is more likely than not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity. For debt securities that are considered other-than-temporarily impaired where management has no intent to sell and the Company has no requirement to sell prior to recovery of its amortized cost basis, the amount of the impairment is separated into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between the security’s amortized cost basis and the present value of its expected future cash flows. The remaining difference between the security’s fair value and the present value of future expected cash flows is due to factors that are not credit related and is recognized in other comprehensive income. For debt securities where management has the intent to sell, the amount of the impairment is reflected in earnings as realized losses. The present value of expected future cash flows is determined using the best estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds and structural support, including subordination and guarantees. The corporate bond cash flow estimates are derived from scenario-based outcomes of expected corporate restructurings or the disposition of assets using bond specific facts and circumstances including timing, security interests and loss severity.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Loans	Loans Loans Held for Sale Loans held for sale represent the guaranteed portion of SBA loans and are reflected at the lower of aggregate cost or market value. The Company originates loans to customers under an SBA program that historically has provided for SBA guarantees of up to 90 percent of each loan. The Company generally sells the guaranteed portion of its SBA loans to a third party and retains the servicing, holding the nonguaranteed portion in its portfolio. The net amount of loan origination fees on loans sold is included in the carrying value and in the gain or loss on the sale. When sales of SBA loans do occur, the premium received on the sale and the present value of future cash flows of the servicing assets are recognized in income. All criteria for sale accounting must be met in order for the loan sales to occur; see details under the “Transfers of Financial Assets” heading above. Servicing assets represent the estimated fair value of retained servicing rights, net of servicing costs, at the time loans are sold. Servicing assets are amortized in proportion to, and over the period of, estimated net servicing revenues. Impairment is evaluated based on stratifying the underlying financial assets by date of origination and term. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Any impairment, if temporary, would generally be reported as a valuation allowance. Serviced loans sold to others are not included in the accompanying Consolidated Balance Sheets. Income and fees collected for loan servicing are credited to noninterest income when earned, net of amortization on the related servicing assets. For additional information on servicing assets, see Note 4 to the Consolidated Financial Statements. Loans Held for Investment Loans held for investment are stated at the unpaid principal balance, net of unearned discounts and deferred loan origination fees and costs. In accordance with the level yield method, loan origination fees, net of direct loan origination costs, are deferred and recognized over the estimated life of the related loans as an adjustment to the loan yield. Interest is credited to operations primarily based upon the principal balance outstanding. Loans are reported as past due when either interest or principal is unpaid in the following circumstances: fixed payment loans when the borrower is in arrears for two or more monthly payments; open end credit for two or more billing cycles; and single payment notes if interest or principal remains unpaid for 30 days or more. Nonperforming loans consist of loans that are not accruing interest as a result of principal or interest being delinquent for a period of 90 days or more or when the ability to collect principal and interest according to the contractual terms is in doubt (nonaccrual loans). When a loan is classified as nonaccrual, interest accruals are discontinued and all past due interest previously recognized as income is reversed and charged against current period earnings. Generally, until the loan becomes current, any payments received from the borrower are applied to outstanding principal until such time as management determines that the financial condition of the borrower and other factors merit recognition of a portion of such payments as interest income. Loans may be returned to an accrual status when the ability to collect is reasonably assured and when the loan is brought current as to principal and interest. Loans are charged off when collection is sufficiently questionable and when the Company can no longer justify maintaining the loan as an asset on the balance sheet. Loans qualify for charge-off when, after thorough analysis, all possible sources of repayment are insufficient. These include: 1) potential future cash flows, 2) value of collateral, and/or 3) strength of co-makers and guarantors. All unsecured loans are charged off upon the establishment of the loan’s nonaccrual status. Additionally, all loans classified as a loss or that portion of the loan classified as a loss is charged off. All loan charge-offs are approved by the Board of Directors. Troubled debt restructurings ("TDRs") occur when a creditor, for economic or legal reasons related to a debtor’s financial condition, grants a concession to the debtor that it would not otherwise consider. These concessions typically include reductions in interest rate, extending the maturity of a loan, or a combination of both. Interest income on accruing TDRs is credited to operations primarily based upon the principal amount outstanding, as stated in the paragraphs above. The Company evaluates its loans for impairment. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. The Company has defined impaired loans to be all TDRs and nonperforming loans. Impairment is evaluated in total for smaller-balance loans of a similar nature (consumer and residential mortgage loans), and on an individual basis for all other loans. Impairment of a loan is measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate, or as a practical expedient, based on a loan’s observable market price or the fair value of collateral, net of estimated costs to sell, if the loan is collateral-dependent. If the value of the impaired loan is less than the recorded investment in the loan, the Company establishes a valuation allowance, or adjusts existing valuation allowances, with a corresponding charge to the provision for loan losses.
Allowance for Loan Losses and Reserve for Unfunded Loan Commitments	Allowance for Loan Losses and Reserve for Unfunded Loan Commitments The allowance for loan losses is maintained at a level management considers adequate to provide for probable loan losses as of the balance sheet date. The allowance is increased by provisions charged to expense and is reduced by net charge-offs. The level of the allowance is based on management’s evaluation of probable losses in the loan portfolio, after consideration of prevailing economic conditions in the Company’s market area, the volume and composition of the loan portfolio, and historical loan loss experience. The allowance for loan losses consists of specific reserves for individually impaired credits and TDRs, reserves for nonimpaired loans based on historical loss factors adjusted for general economic factors and other qualitative risk factors such as changes in delinquency trends, industry concentrations or local/national economic trends. This risk assessment process is performed at least quarterly, and, as adjustments become necessary, they are realized in the periods in which they become known. Although management attempts to maintain the allowance at a level deemed adequate to provide for probable losses, future additions to the allowance may be necessary based upon certain factors including changes in market conditions and underlying collateral values. In addition, various regulatory agencies periodically review the adequacy of the Company’s allowance for loan losses. These agencies may require the Company to make additional provisions based on judgments about information available at the time of the examination. The Company maintains a reserve for unfunded loan commitments at a level that management believes is adequate to absorb estimated probable losses. Adjustments to the reserve are made through other expenses and applied to the reserve which is classified as other liabilities.
Premises and Equipment	Premises and Equipment, net Land is carried at cost. All other fixed assets are carried at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets. The useful life of buildings is not to exceed 30 years ; furniture and fixtures is generally 10 years or less, and equipment is 3 to 5 years . Leasehold improvements are depreciated over the life of the underlying lease.
Bank Owned Life Insurance	Bank Owned Life Insurance The Company purchased life insurance policies on certain members of management. Bank owned life insurance is recorded at its cash surrender value or the amount that can be realized.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank system to hold stock of its district FHLB according to a predetermined formula. The stock is carried at cost. Management reviews the stock for impairment based on the ultimate recoverability of the cost basis in the stock. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. Management considers such criteria as the significance of the decline in net assets, if any, of the FHLB, the length of time this situation has persisted, commitments by the FHLB to make payments required by law or regulation, the impact of legislative and regulatory changes on the customer base of the FHLB and the liquidity position of the FHLB.
Accrued Interest Receivable	Accrued Interest Receivable Accrued interest receivable consists of amounts earned on investments and loans. The Company recognizes accrued interest receivable as it is earned.
Other Real Estate Owned and Appraisals	Other Real Estate Owned Other real estate owned is recorded at the fair value, less estimated costs to sell at the date of acquisition, with a charge to the allowance for loan losses for any excess of the loan carrying value over such amount. Subsequently, OREO is carried at the lower of cost or fair value, as determined by current appraisals. Certain costs that increase the value or extend the useful life in preparing properties for sale are capitalized to the extent that the appraisal amount exceeds the carry value, and expenses of holding foreclosed properties are charged to operations as incurred. Appraisals The Company requires current real estate appraisals on all loans that become OREO or in-substance foreclosure, loans that are classified substandard, doubtful or loss, or loans that are over $ 100,000 and nonperforming. Prior to each balance sheet date, the Company values impaired collateral-dependent loans and OREO based upon a third party appraisal, broker's price opinion, drive by appraisal, automated valuation model, updated market evaluation, or a combination of these methods. The amount is discounted for the decline in market real estate values (for original appraisals), for any known damage or repair costs, and for selling and closing costs. The amount of the discount is dependent upon the method used to determine the original value. The original appraisal is generally used when a loan is first determined to be impaired. When applying the discount, the Company takes into consideration when the appraisal was performed, the collateral’s location, the type of collateral, any known damage to the property and the type of business. Subsequent to entering impaired status and the Company determining that there is a collateral shortfall, the Company will generally, depending on the type of collateral, order a third party appraisal, broker's price opinion, automated valuation model or updated market evaluation. Subsequent to receiving the third party results, the Company will discount the value 6 to 10 percent for selling and closing costs.
Goodwill	Goodwill The Company accounts for goodwill and other intangible assets in accordance with FASB ASC Topic 350, “Intangibles – Goodwill and Other,” which allows an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities We use financial derivatives as part of our overall asset and liability risk management process to help manage exposure to market risk inherent in our business activities. The Company's derivative instruments currently consist of cash flow hedges. We recognize all derivative instruments at fair value as either Other assets or Other liabilities on the Consolidated Balance Sheet and the related cash flows in the Operating Activities section of the Consolidated Statement of Cash Flows. For cash flow hedges (i.e., hedging the exposure to variability in expected future cash flows), the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. Changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings as non-interest income.
Income Taxes	Income Taxes The Company follows Financial Accounting Standards Board Accounting Standards Codification ("FASB ASC") Topic 740, “Income Taxes,” which prescribes a threshold for the financial statement recognition of income taxes and provides criteria for the measurement of tax positions taken or expected to be taken in a tax return. ASC 740 also includes guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition of income taxes. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using the enacted tax rates applicable to taxable income for the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation reserves are established against certain deferred tax assets when it is more likely than not that the deferred tax assets will not be realized. Increases or decreases in the valuation reserve are charged or credited to the income tax provision. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that ultimately would be sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. The evaluation of a tax position taken is considered by itself and not offset or aggregated with other positions. Tax positions that meet the more likely than not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are recognized in income tax expense on the income statement.
Net Income Per Share	Net Income Per Share Basic net income per common share is calculated as net income available to common shareholders divided by the weighted average common shares outstanding during the reporting period. Diluted net income per common share is computed similarly to that of basic net income per common share, except that the denominator is increased to include the number of additional common shares that would have been outstanding if all potentially dilutive common shares, principally stock options, were issued during the reporting period utilizing the Treasury stock method. However, when a net loss rather than net income is recognized, diluted earnings per share equals basic earnings per share.
Stock-Based Compensation	Stock-Based Compensation The Company accounts for its stock-based compensation awards in accordance with FASB ASC Topic 718, “Compensation – Stock Compensation,” which requires recognition of compensation expense related to stock-based compensation awards over the period during which an employee is required to provide service for the award. Compensation expense is equal to the fair value of the award, net of estimated forfeitures, and is recognized over the vesting period of such awards.
Fair Value	Fair Value The Company follows FASB ASC Topic 820, “Fair Value Measurement and Disclosures,” which provides a framework for measuring fair value under generally accepted accounting principles.
Other Comprehensive Income	Other Comprehensive Income Other comprehensive income consists of the change in unrealized gains (losses) on SERP, securities available for sale and swap related items that were reported as a component of shareholders’ equity, net of tax.
Advertising	Advertising The Company expenses the costs of advertising in the period incurred.
Dividend Restrictions	Dividend Restrictions Banking regulations require maintaining certain capital levels that may limit the dividends paid by the Bank to the holding company or by the holding company to the shareholders.
Operating Segments	Operating Segments While management monitors the revenue streams of its various products and services, operating results and financial performance are evaluated on a company-wide basis. The Company’s management uses consolidated results to make operating and strategic decisions. Accordingly, there is only one reportable segment.
Recent Accounting Pronouncements	Recent Accounting Pronouncements ASU 2016-13, "Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." ASU 2016-13 was issued to replace the incurred loss impairment methodology in current GAAP with an expected credit loss methodology and requires consideration of a broader range of information to determine credit loss estimates. Financial assets measured at amortized cost will be presented at the net amount expected to be collected by using an allowance for credit losses. Purchased credit impaired loans will receive an allowance account at the acquisition date that represents a component of the purchase price allocation. Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses, with such allowance limited to the amount by which fair value is below amortized cost. For public business entities, ASU 2016-13 is effective for interim and annual reporting periods beginning after December 15, 2019. In May 2019, FASB issued ASU 2019-05, "Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief." ASU 2019-05 was issued to address concerns with the adoption of ASU 2016-13. ASU 2019-05 gives entities the ability to irrevocable elect the fair value option in Subtopic 825-10 for certain existing financial assets upon transition to ASU 2016-03. Financial assets that are eligible for this fair value election are those that qualify under Subtopic 825-10 and are within the scope of Subtopic 326-10, "Financial Instruments - Credit Losses - Measured at Amortized Costs." An exception to this is held-to-maturity debt securities, which do not qualify for this transition election. The effective date for the amendment is the same as the effective date in ASU 2016-03. In November 2019, FASB issued ASU 2019-10, "Financial Instruments - Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842): Effective Dates." ASU 2019-10 was issued to defer the effective dates for certain guidance in its Accounting Standard Codification ("ASC") for certain entities. The amendments in this update amend the mandatory effective dates for ASC 326, "Financial Instruments - Credit Losses", for entities eligible to be smaller reporting companies as defined by the SEC for fiscal years beginning after December 15, 2022, including interim reporting periods within that reporting period. The Company is currently evaluating the impact of the adoption of ASU 2016-13 on its consolidated financial statements. In November 2019, FASB issued ASU 2019-11, "Codification Improvements to Topic 326, Financial Instruments - Credit Losses." ASU 2019-11 was issued to address issues raise by stakeholders during the implementation of ASU 2016-13. ASU 2019-11 provides transition relief when adjusting the effective interest rate for troubled debt restructurings ("TDRs") that exist as of the adoption date, extends the disclosure relief in ASU 2019-04 to disclose accrued interest receivable balances separately from the amortized cost basis to addtional disclosures involving amortized cost basis, and provides clarification regarding application of the guidance in paragraph 326-20-35-6 for financial assets secured by collateral maintenance provisions that provides a practical expedient to measure the estimate of expected credit losses by comparing the amortized cost basis of a financial asset and the fair value of collateral securing the financial asset as of the reporting date. The effective date and transition requirements for the amendment are the same as the effective date and transition requirements in ASU 2016-13. ASU 2017-04, "Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment." ASU 2017-04 was issued in an effort to simplify accounting in a new standard. The amendments in this update require that an entity perform its annual or interim goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. The amendment states that an entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value, but the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. For public business entities, ASU 2017-04 is effective for fiscal years beginning after December 15, 2019. Early adoption is permitted for interim or annual goodwill impairment tests performing on testing dates after January 1, 2017. In November 2019, FASB issued ASU 2019-10, "Financial Instruments - Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842): Effective Dates." ASU 2019-10 was issued to defer the effective dates for certain guidance in its Accounting Standard Codification ("ASC") for certain entities. The amendments in this update amend the mandatory effective date for the elimination of Step 2 from the goodwill impairment test. The amendment maintains the Board's intentional alignment of the mandatory effective dates for Goodwill with those for Credit Losses. For entities eligible to be smaller reporting companies, as defined by the SEC, ASU 2017-04 is effective for interim and annual periods beginning after December 15, 2022. The Company does not expect this ASU to have a material impact on the Company's consolidated financial statements since the fair values of our reporting units were not lower than their respective carrying amounts at the time of our goodwill impairment analysis for 2019. ASU 2019-12, "Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes." ASU 2019-12 removes the exception to the incremental approach for intraperiod tax allocation when there is a loss from continuing operations and income or a gain from other items and removes the exception to the interim period income tax accounting when a year-to-date loss exceeds the anticipated loss for the year. ASU 2019-12 also simplifies the accounting for income taxes by requiring that an entity recognize a franchise tax that is partially based on income as an income-based tax, that an entity evaluate when a step up in the tax basis of goodwill should be considered part of the business combination in which the book goodwill originally was recognized, and that an entity reflect the effect of an enacted change in tax laws or rates in the annual effective tax rate computation in the interim period that includes the enactment date. For public business entities, ASU 2019-12 is effective for interim and annual periods beginning after December 15, 2020.
Subsequent Events	Subsequent Events The Company has evaluated all events or transactions that occurred through the date the Company issued these financial statements. During this period, the Company did not have any material recognizable or non-recognizable subsequent events.
Revenue Recognition	Revenue Recognition ASC 606, Revenue from Contracts with Customers ("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, derivatives and investment securities, as well as revenue related to our mortgage servicing activities, as these activities are subject to other GAAP discussed elsewhere within our disclosures. Descriptions of our revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of non-interest income are as follows: • Service charges on deposit accounts - these represent general service fees for monthly account maintenance and activity- or transaction based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when our performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). Payment for such performance obligations are generally received at the time the performance obligations are satisfied. • Other non-interest income primarily includes items such as letter of credit fees, bank owned life insurance income, dividends on FHLB and FRB stock and other general operating income, none of which are subject to the requirements of ASC 606.
Leases and Commitments	Leases The Company follows ASU 2016-02, "Leases (Topic 842)," which revised certain aspects of recognition, measurement, presentation, and disclosure of leasing transactions. ASU 2016-02 requires that a lessee recognize the assets and liabilities on its balance sheet that arise from all leases with a term greater than 12 months. The core principle requires the lessee to recognize a liability to make lease payments and a "right-of-use" asset. The Company adopted this standard as of January 1, 2019. In accordance with ASU 2018-01, we have elected to apply ASU 2016-02 as of the beginning of the period of adoption and will not restate comparative periods. Financial results for reporting periods beginning on or after January 1, 2019 are presented under the new guidance (Topic 842), while prior period amounts are not adjusted and continue to be reported in accordance with previous guidance (Topic 840). Operating leases in which we are the lessee are recorded as right-of-use ("ROU") assets and lease liabilities and are included in Prepaid expenses and other assets and Accrued expenses and other liabilities, respectively, on our Consolidated Balance Sheets. We do not currently have any finance leases in which we are the lessee. Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental borrowing rate. The incremental borrowing rate was calculated for each lease by taking a variable rate FHLB ARC product (based on Libor plus a spread) and then swapping it to a fixed rate borrowing by adding a fixed mid swap rate for the desired term. The borrowing rate for each lease is unique based on the lease term. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in Occupancy expense in the Consolidated Statements of Income. Our leases relate primarily to bank branches, office space and equipment with remaining lease terms of generally 1 to 10 years. Certain lease arrangements contain extension options which typically range from 1 to 5 years at the then fair market rental rates. As these extension options are not generally considered reasonably certain of exercise, they are not included in the lease term. Certain real estate leases have lease payments that adjust based on annual changes in the Consumer Price Index ("CPI"). The leases that are dependent upon CPI are initially measured using the index or rate at the commencement date and are included in the measurement of the lease liability.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Marketable Securities [Abstract]
Reconciliation From Amortized Cost to Estimated Fair Value of Marketable Securities	This table provides the major components of debt securities available for sale (“AFS”), held to maturity (“HTM”) and equity securities with readily determinable fair values ("equity securities") at amortized cost and estimated fair value at December 31, 2019 and December 31, 2018 : December 31, 2019 December 31, 2018 (In thousands) Amortized cost Gross unrealized gains Gross unrealized losses Estimated fair value Amortized cost Gross unrealized gains Gross unrealized losses Estimated fair value Available for sale: U.S. Government sponsored entities $ 5,751 $ 4 $ (2 ) $ 5,753 $ 5,758 $ — $ (116 ) $ 5,642 State and political subdivisions 4,992 174 (12 ) 5,154 4,614 4 (120 ) 4,498 Residential mortgage-backed securities 27,698 372 (106 ) 27,964 27,159 74 (620 ) 26,613 Corporate and other securities 25,442 230 (268 ) 25,404 10,231 123 (394 ) 9,960 Total debt securities available for sale $ 63,883 $ 780 $ (388 ) $ 64,275 $ 47,762 $ 201 $ (1,250 ) $ 46,713 Held to maturity: U.S. Government sponsored entities $ — $ — $ — $ — $ 2,527 $ — $ (94 ) $ 2,433 State and political subdivisions — — — — 951 110 — 1,061 Residential mortgage-backed securities — — — — 3,312 17 (52 ) 3,277 Commercial mortgage-backed securities — — — — 3,570 — (138 ) 3,432 Corporate and other securities — — — — 4,515 84 — 4,599 Total securities held to maturity $ — $ — $ — $ — $ 14,875 $ 211 $ (284 ) $ 14,802 Equity securities: Total equity securities $ 2,218 $ 142 $ (71 ) $ 2,289 $ 2,394 $ — $ (250 ) $ 2,144
Schedule of Marketable Securities By Contractual Maturity	This table provides the remaining contractual maturities and yields of securities within the investment portfolios. The carrying value of securities at December 31, 2019 is distributed by contractual maturity. Mortgage-backed securities and other securities, which may have principal prepayment provisions, are distributed based on contractual maturity. Expected maturities will differ materially from contractual maturities as a result of early prepayments and calls. Within one year After one through five years After five through ten years After ten years Total carrying value (In thousands, except percentages) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale at fair value: U.S. Government sponsored entities $ 1,752 1.75 % $ 4,001 1.83 % $ — — % $ — — % $ 5,753 1.81 % State and political subdivisions 195 3.80 601 3.92 3,345 3.41 1,013 2.74 5,154 3.35 Residential mortgage-backed securities 3 4.79 375 2.33 2,475 2.47 25,111 2.75 27,964 2.72 Corporate and other securities — — 3,816 3.34 16,354 4.84 5,234 5.07 25,404 4.66 Total debt securities available for sale $ 1,950 1.96 % $ 8,793 2.65 % $ 22,174 4.36 % $ 31,358 3.13 % $ 64,275 3.46 % Equity securities at fair value: Total equity securities $ — — % $ — — % $ — — % $ 2,289 2.21 % $ 2,289 2.21 %
Schedule of Marketable Securities In Unrealized Loss Position	The fair value of securities with unrealized losses by length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2019 and December 31, 2018 are as follows: December 31, 2019 Less than 12 months 12 months and greater Total (In thousands, except number in a loss position) Total number in a loss position Estimated fair value Unrealized loss Estimated fair value Unrealized loss Estimated fair value Unrealized loss Available for sale: U.S. Government sponsored entities 1 $ — $ — $ 1,995 $ (2 ) $ 1,995 $ (2 ) State and political subdivisions 1 — — 1,013 (12 ) 1,013 (12 ) Residential mortgage-backed securities 10 3,707 (27 ) 4,996 (79 ) 8,703 (106 ) Corporate and other securities 6 3,366 (13 ) 3,735 (255 ) 7,101 (268 ) Total temporarily impaired securities 18 $ 7,073 $ (40 ) $ 11,739 $ (348 ) $ 18,812 $ (388 ) December 31, 2018 Less than 12 months 12 months and greater Total (In thousands, except number in a loss position) Total number in a loss position Estimated fair value Unrealized loss Estimated fair value Unrealized loss Estimated fair value Unrealized loss Available for sale: U.S. Government sponsored entities 5 $ — $ — $ 5,642 $ (116 ) $ 5,642 $ (116 ) State and political subdivisions 4 — — 3,129 (120 ) 3,129 (120 ) Residential mortgage-backed securities 31 4,445 (23 ) 20,480 (597 ) 24,925 (620 ) Corporate and other securities 5 971 (30 ) 5,787 (364 ) 6,758 (394 ) Total temporarily impaired securities 45 $ 5,416 $ (53 ) $ 35,038 $ (1,197 ) $ 40,454 $ (1,250 ) Held to maturity: U.S. Government sponsored entities 2 $ — $ — $ 2,434 $ (94 ) $ 2,434 $ (94 ) Residential mortgage-backed securities 5 1,277 (15 ) 821 (37 ) 2,098 (52 ) Commercial mortgage-backed securities 2 — — 3,432 (138 ) 3,432 (138 ) Total temporarily impaired securities 9 $ 1,277 $ (15 ) $ 6,687 $ (269 ) $ 7,964 $ (284 )
Schedule of Realized Gains (Losses) for Marketable Securities	Gross realized gains and losses on securities for the past three years are detailed in the table below: For the years ended December 31, (In thousands) 2019 2018 2017 Available for sale: Realized gains $ 35 $ — $ 89 Realized losses — (4 ) (61 ) Total debt securities available for sale 35 (4 ) 28 Held to maturity: Realized gains — — 38 Realized losses — — (4 ) Total securities held to maturity — — 34 Net gains (losses) on sales of securities $ 35 $ (4 ) $ 62
Debt Securities, Trading, and Equity Securities, FV-NI	The following is a summary of the gains and losses recognized in net income on equity securities for the past two years: For the year ended December 31, (In thousands) 2019 2018 Net gains (losses) recognized during the period on equity securities $ 321 $ (195 ) Net gains recognized on equity securities sold during the period 17 — Net gains (losses) recognized during the reporting period on equity securities still held at the reporting date $ 338 $ (195 )

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]
Classification of Loans By Class	The following table sets forth the classification of loans by class, including unearned fees, deferred costs and excluding the allowance for loan losses for the past two years: (In thousands) December 31, 2019 December 31, 2018 SBA loans held for investment $ 35,767 $ 39,333 Commercial loans SBA 504 loans 26,726 29,155 Commercial other 112,014 104,587 Commercial real estate 578,643 510,370 Commercial real estate construction 47,649 49,990 Residential mortgage loans 467,706 436,056 Consumer loans Home equity 69,589 59,887 Consumer other 73,935 64,017 Total loans held for investment $ 1,412,029 $ 1,293,395 SBA loans held for sale 13,529 11,171 Total loans $ 1,425,558 $ 1,304,566
Loan Portfolio by Class According to Their Credit Quality Indicators	The tables below detail the Company’s loan portfolio by class according to their credit quality indicators discussed in the paragraphs above as of December 31, 2019 : December 31, 2019 SBA & Commercial loans - Internal risk ratings (In thousands) Pass Special mention Substandard Total SBA loans held for investment $ 34,202 $ 1,115 $ 450 $ 35,767 Commercial loans SBA 504 loans 24,878 1,808 40 26,726 Commercial other 107,220 3,361 1,433 112,014 Commercial real estate 576,326 758 1,559 578,643 Commercial real estate construction 47,649 — — 47,649 Total commercial loans 756,073 5,927 3,032 765,032 Total SBA and commercial loans $ 790,275 $ 7,042 $ 3,482 $ 800,799 Residential mortgage & Consumer loans - Performing/Nonperforming (In thousands) Performing Nonperforming Total Residential mortgage loans $ 463,770 $ 3,936 $ 467,706 Consumer loans Home equity 69,589 — 69,589 Consumer other 73,915 20 73,935 Total consumer loans 143,504 20 143,524 Total residential mortgage and consumer loans $ 607,274 $ 3,956 $ 611,230 The tables below detail the Company’s loan portfolio by class according to their credit quality indicators discussed in the paragraphs above as of December 31, 2018 : December 31, 2018 SBA & Commercial loans - Internal risk ratings (In thousands) Pass Special mention Substandard Total SBA loans held for investment $ 37,198 $ 601 $ 1,534 $ 39,333 Commercial loans SBA 504 loans 28,105 — 1,050 29,155 Commercial other 103,806 322 459 104,587 Commercial real estate 504,022 2,879 3,469 510,370 Commercial real estate construction 49,990 — — 49,990 Total commercial loans 685,923 3,201 4,978 694,102 Total SBA and commercial loans $ 723,121 $ 3,802 $ 6,512 $ 733,435 Residential mortgage & Consumer loans - Performing/Nonperforming (In thousands) Performing Nonperforming Total Residential mortgage loans $ 431,845 $ 4,211 $ 436,056 Consumer loans Home equity 59,861 26 59,887 Consumer other 64,017 — 64,017 Total consumer loans 123,878 26 123,904 Total residential mortgage and consumer loans $ 555,723 $ 4,237 $ 559,960
Aging Analysis of Past Due And Nonaccrual Loans by Loan Class	The following tables set forth an aging analysis of past due and nonaccrual loans as of December 31, 2019 and December 31, 2018 : December 31, 2019 (In thousands) 30-59 days past due 60-89 days past due 90+ days and still accruing Nonaccrual (1) Total past due Current Total loans SBA loans held for investment $ 1,048 $ — $ — $ 1,164 $ 2,212 $ 33,555 $ 35,767 Commercial loans SBA 504 loans — 1,808 — — 1,808 24,918 26,726 Commercial other 71 — — 316 387 111,627 112,014 Commercial real estate 215 — — 213 428 578,215 578,643 Commercial real estate construction — — — — — 47,649 47,649 Residential mortgage loans 4,383 1,676 930 3,936 10,925 456,781 467,706 Consumer loans Home equity 1,446 178 — — 1,624 67,965 69,589 Consumer other — 113 — 20 133 73,802 73,935 Total loans held for investment $ 7,163 $ 3,775 $ 930 $ 5,649 $ 17,517 $ 1,394,512 $ 1,412,029 SBA loans held for sale — — — — — 13,529 13,529 Total loans $ 7,163 $ 3,775 $ 930 $ 5,649 $ 17,517 $ 1,408,041 $ 1,425,558 (1) At December 31, 2019 , nonaccrual loans included $59 thousand of loans guaranteed by the SBA. December 31, 2018 (In thousands) 30-59 days past due 60-89 days past due 90+ days and still accruing Nonaccrual (1) Total past due Current Total loans SBA loans held for investment $ — $ — $ — $ 1,560 $ 1,560 $ 37,773 $ 39,333 Commercial loans SBA 504 loans — — — — — 29,155 29,155 Commercial other — — — 30 30 104,557 104,587 Commercial real estate 301 — — 1,046 1,347 509,023 510,370 Commercial real estate construction — — — — — 49,990 49,990 Residential mortgage loans 3,801 1,204 98 4,211 9,314 426,742 436,056 Consumer loans Home equity 396 — — 26 422 59,465 59,887 Consumer other 300 — — — 300 63,717 64,017 Total loans held for investment $ 4,798 $ 1,204 $ 98 $ 6,873 $ 12,973 $ 1,280,422 $ 1,293,395 SBA loans held for sale — — — — — 11,171 11,171 Total loans $ 4,798 $ 1,204 $ 98 $ 6,873 $ 12,973 $ 1,291,593 $ 1,304,566 (1) At December 31, 2018 , nonaccrual loans included $89 thousand of loans guaranteed by the SBA.
Impaired Loans with Associated Allowance Amount	The following tables provide detail on the Company’s loans individually evaluated for impairment with the associated allowance amount, if applicable, as of December 31, 2019 and December 31, 2018 : December 31, 2019 (In thousands) Unpaid principal balance Recorded investment Specific reserves With no related allowance: SBA loans held for investment (1) $ 1,224 $ 1,064 $ — Commercial loans Commercial real estate 213 213 — Total commercial loans 213 213 — Total impaired loans with no related allowance 1,437 1,277 — With an allowance: SBA loans held for investment (1) 157 41 41 Commercial loans Commercial other 816 316 316 Commercial real estate 705 705 57 Total commercial loans 1,521 1,021 373 Total impaired loans with a related allowance 1,678 1,062 414 Total individually evaluated impaired loans: SBA loans held for investment (1) 1,381 1,105 41 Commercial loans Commercial other 816 316 316 Commercial real estate 918 918 57 Total commercial loans 1,734 1,234 373 Total individually evaluated impaired loans $ 3,115 $ 2,339 $ 414 (1) Balances are reduced by amount guaranteed by the SBA of $59 thousand at December 31, 2019 . December 31, 2018 (In thousands) Unpaid principal balance Recorded investment Specific reserves With no related allowance: SBA loans held for investment (1) $ 359 $ 353 $ — Commercial loans Commercial real estate 1,046 1,046 — Total commercial loans 1,046 1,046 — Total impaired loans with no related allowance 1,405 1,399 — With an allowance: SBA loans held for investment (1) 1,257 1,118 540 Commercial loans Commercial other 30 30 30 Commercial real estate 745 745 97 Total commercial loans 775 775 127 Total impaired loans with a related allowance 2,032 1,893 667 Total individually evaluated impaired loans: SBA loans held for investment (1) 1,616 1,471 540 Commercial loans Commercial other 30 30 30 Commercial real estate 1,791 1,791 97 Total commercial loans 1,821 1,821 127 Total individually evaluated impaired loans $ 3,437 $ 3,292 $ 667 (1) Balances are reduced by amount guaranteed by the SBA of $89 thousand at December 31, 2018 .
Average Recorded Investments in Impaired Loans and Related Amount of Interest Recognized	The following table presents the average recorded investments in impaired loans and the related amount of interest recognized during the time period in which the loans were impaired for the years ended December 31, 2019 , 2018 and 2017 . The average balances are calculated based on the month-end balances of impaired loans. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method, therefore no interest income is recognized. The interest recognized on impaired loans noted below represents accruing troubled debt restructurings only and nominal amounts of income recognized on a cash basis for well-collateralized impaired loans. For the years ended December 31, 2019 2018 2017 (In thousands) Average recorded investment Interest income recognized on impaired loans Average recorded investment Interest income recognized on impaired loans Average recorded investment Interest income recognized on impaired loans SBA loans held for investment (1) $ 679 $ 17 $ 1,063 $ 3 $ 668 $ 47 Commercial loans SBA 504 loans — — — — 82 — Commercial other 264 6 12 — 25 — Commercial real estate 1,258 36 2,092 100 685 43 Total $ 2,201 $ 59 $ 3,167 $ 103 $ 1,460 $ 90 (1) Balances are reduced by the average amount guaranteed by the SBA of $124 thousand , $85 thousand and $318 thousand for years ended December 31, 2019 , 2018 and 2017 , respectively.
Schedule of Servicing Assets	A summary of the changes in the related servicing assets for the past three years follows: For the years ended December 31, (In thousands) 2019 2018 2017 Balance, beginning of year $ 2,375 $ 1,800 $ 2,086 Servicing assets capitalized 643 939 172 Amortization of expense (992 ) (364 ) (458 ) Balance, end of year $ 2,026 $ 2,375 $ 1,800
Schedule of Related Party Transactions	An analysis of such loans, all of which are current as to principal and interest payments, is as follows: (In thousands) December 31, 2019 December 31, 2018 Balance, beginning of year $ 22,429 $ 33,109 New loans and advances 73 4,083 Loan repayments (4,661 ) (14,763 ) Balance, end of year $ 17,841 $ 22,429

Allowance for Loan Losses and_2

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments (Tables)	12 Months Ended
	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Activity in the Allowance for Loan Losses by Portfolio Segment	The following tables detail the activity in the allowance for loan losses by portfolio segment for the past three years: For the year ended December 31, 2019 (In thousands) SBA held for investment Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 1,655 $ 8,705 $ 3,900 $ 1,228 $ — $ 15,488 Charge-offs (535 ) (501 ) (205 ) (1 ) (1,242 ) Recoveries 23 16 — 10 49 Net (charge-offs) recoveries (512 ) (485 ) (205 ) 9 — (1,193 ) Provision (credit) for loan losses charged to expense (64 ) 1,502 559 103 — 2,100 Balance, end of period $ 1,079 $ 9,722 $ 4,254 $ 1,340 $ — $ 16,395 For the year ended December 31, 2018 (In thousands) SBA held for investment Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 1,471 $ 7,825 $ 3,130 $ 1,130 $ — $ 13,556 Charge-offs (354 ) (10 ) — (22 ) — (386 ) Recoveries 72 30 13 153 — 268 Net (charge-offs) recoveries (282 ) 20 13 131 — (118 ) Provision (credit) for loan losses charged to expense 466 860 757 (33 ) — 2,050 Balance, end of period $ 1,655 $ 8,705 $ 3,900 $ 1,228 $ — $ 15,488 For the year ended December 31, 2017 (In thousands) SBA held for investment Commercial Residential Consumer Unallocated Total Balance, beginning of period $ 1,576 $ 7,302 $ 2,593 $ 925 $ 183 $ 12,579 Charge-offs (293 ) (227 ) (55 ) (336 ) — (911 ) Recoveries 121 102 12 3 — 238 Net charge-offs (172 ) (125 ) (43 ) (333 ) — (673 ) Provision (credit) for loan losses charged to expense 67 648 580 538 (183 ) 1,650 Balance, end of period $ 1,471 $ 7,825 $ 3,130 $ 1,130 $ — $ 13,556
Allowance for Credit Losses on Financing Receivables	The following tables present loans and their related allowance for loan losses, by portfolio segment, as of December 31 st for the past two years: December 31, 2019 (In thousands) SBA held for investment Commercial Residential Consumer Total Allowance for loan losses ending balance: Individually evaluated for impairment $ 41 $ 373 $ — $ — $ 414 Collectively evaluated for impairment 1,038 9,349 4,254 1,340 15,981 Total $ 1,079 $ 9,722 $ 4,254 $ 1,340 $ 16,395 Loan ending balances: Individually evaluated for impairment $ 1,105 $ 1,234 $ — $ — $ 2,339 Collectively evaluated for impairment 34,662 763,798 467,706 143,524 1,409,690 Total $ 35,767 $ 765,032 $ 467,706 $ 143,524 $ 1,412,029 December 31, 2018 (In thousands) SBA held for investment Commercial Residential Consumer Total Allowance for loan losses ending balance: Individually evaluated for impairment $ 540 $ 127 $ — $ — $ 667 Collectively evaluated for impairment 1,115 8,578 3,900 1,228 14,821 Total $ 1,655 $ 8,705 $ 3,900 $ 1,228 $ 15,488 Loan ending balances: Individually evaluated for impairment $ 1,471 $ 1,821 $ — $ — $ 3,292 Collectively evaluated for impairment 37,862 692,281 436,056 123,904 1,290,103 Total $ 39,333 $ 694,102 $ 436,056 $ 123,904 $ 1,293,395

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Premises and Equipment	The detail of premises and equipment as of December 31 st for the past two years is as follows: (In thousands) December 31, 2019 December 31, 2018 Land and buildings $ 23,466 $ 25,214 Furniture, fixtures and equipment 11,164 10,778 Leasehold improvements 2,376 2,385 Gross premises and equipment 37,006 38,377 Less: Accumulated depreciation (15,691 ) (15,006 ) Net premises and equipment $ 21,315 $ 23,371

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Other Assets [Abstract]
Schedule of Other Assets	The detail of other assets as of December 31 st for the past two years is as follows: (In thousands) December 31, 2019 December 31, 2018 Right-of-use assets $ 2,792 $ — Servicing assets: SBA servicing asset 920 1,024 Mortgage servicing asset 1,106 1,351 Prepaid expenses 969 1,061 Prepaid insurance 733 1,755 Unrealized gains on interest rate swap agreements 261 1,432 Net receivable due from SBA 127 151 Other 687 1,861 Total other assets $ 7,595 $ 8,635

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Schedule of Deposits by Time Remaining on Maturity	The following table details the maturity distribution of time deposits as of December 31 st for the past two years: (In thousands) Three months or less More than three months through six months More than six months through twelve months More than twelve months Total At December 31, 2019: Less than $100,000 $ 40,789 $ 14,207 $ 59,338 $ 81,112 $ 195,446 $100,000 or more 31,799 17,633 72,444 86,869 208,745 At December 31, 2018: Less than $100,000 $ 16,758 $ 23,851 $ 42,365 $ 101,048 $ 184,022 $100,000 or more 35,085 34,674 28,717 74,518 172,994
Schedule of Certificates of Deposits by Year of Maturity	The following table presents the expected maturities of time deposits over the next five years: (In thousands) 2020 2021 2022 2023 2024 Thereafter Total Balance maturing $ 236,210 $ 142,731 $ 17,215 $ 3,890 $ 3,777 $ 368 $ 404,191

Borrowed Funds and Subordinat_2

Borrowed Funds and Subordinated Debentures (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Schedule of Debt	The following table presents the period-end and average balances of borrowed funds and subordinated debentures for the past three years with resultant rates: 2019 2018 2017 (In thousands) Amount Rate Amount Rate Amount Rate FHLB borrowings and repurchase agreements: At December 31, $ 283,000 1.74 % $ 210,000 2.31 % $ 260,000 1.59 % Year-to-date average 103,201 1.85 121,970 1.78 110,420 1.75 Maximum outstanding 283,000 238,000 260,000 Repurchase agreements: At December 31, $ — — % $ — — % $ 15,000 3.67 % Year-to-date average — — 2,384 3.67 15,000 3.67 Maximum outstanding — 15,000 15,000 Subordinated debentures: At December 31, $ 10,310 3.33 % $ 10,310 2.40 % $ 10,310 2.40 % Year-to-date average 10,310 3.50 10,310 2.40 10,310 2.40 Maximum outstanding 10,310 10,310 10,310
Schedule of Maturities of Term Debt	The following table presents the expected maturities of borrowed funds and subordinated debentures over the next five years: (In thousands) 2020 2021 2022 2023 2024 Thereafter Total FHLB borrowings $ 243,000 $ — $ — $ — $ 40,000 $ — $ 283,000 Subordinated debentures — — — — — 10,310 10,310 Total borrowings $ 283,000 $ — $ — $ — $ 40,000 $ 10,310 $ 293,310
Summary of Interest Rate Swaps	The following table presents the net (losses) gains recorded in other comprehensive income and the consolidated financial statements relating to the cash flow derivative instruments at December 31, 2019 and 2018 , respectively: For the years ended December 31, (In thousands) 2019 2018 (Decrease) increase in the fair value of interest rate swaps $ (1,195 ) $ 25 A summary of the Company's outstanding interest rate swap agreements used to hedge variable rate debt at December 31, 2019 and 2018 , respectively is as follows: (In thousands, except percentages, years and contracts) 2019 2018 Notional amount $ 60,000 $ 60,000 Fair value 238 1,433 Weighted average pay rate 1.42 % 1.26 % Weighted average receive rate 2.19 % 1.88 % Weighted average maturity in years 1.25 2.36 Number of contracts 4 4

Leases and Commitments (Tables)

Leases and Commitments (Tables)	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Net Lease Cost	The table below summarizes our net lease cost: (In thousands) For the year ended December 31, 2019 Operating lease cost $ 589 Net lease cost $ 589 The table below summarizes the cash and non-cash activities associated with our leases: (In thousands) For the year ended December 31, 2019 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 557 ROU assets obtained in exchange for new operating lease liabilities $ 3,295
Summary of Other Information for Operating Leases	The table below summarizes other information related to our operating leases: (In thousands, except percentages and years) December 31, 2019 Weighted average remaining lease term in years 6.76 Weighted average discount rate 5.47 % Operating lease right-of-use assets $ 2,792
Summary of Maturity of Remaining Lease Liabilities	The table below summarizes the maturity of remaining lease liabilities: (In thousands) December 31, 2019 2020 $ 558 2021 530 2022 478 2023 413 2024 366 2025 and thereafter 1,045 Total lease payments $ 3,390 Less: Interest (566 ) Present value of lease liabilities $ 2,824

Other Liabilities (Tables)

Other Liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Other Liabilities Disclosure [Abstract]
Other Liabilities	The detail of other liabilities as of December 31 st for the past two years is as follows: (In thousands) December 31, 2019 December 31, 2018 Accrued expenses $ 7,372 $ 5,018 Lease liabilities 2,824 — Deferred compensation 1,804 1,332 Loan expense advances 993 1,160 Reserve for commitments 273 290 Other liabilities 1,088 4,466 Total other liabilities $ 14,354 $ 12,266

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Changes in Other Comprehensive (Loss) Income	The following table shows the changes in other comprehensive income (loss) for the past three years: For the year ended December 31, 2019 (In thousands) Net unrealized (losses) gains on securities Adjustments related to defined benefit plan Net unrealized gains (losses) from cash flow hedges Accumulated other comprehensive (loss) income Balance, beginning of period $ (721 ) $ (431 ) $ 1,030 $ (122 ) Other comprehensive income (loss) before reclassifications 1,332 — (862 ) 470 Less amounts reclassified from accumulated other comprehensive income (loss) 295 (136 ) — 159 Period change 1,037 136 (862 ) 311 Balance, end of period $ 316 $ (295 ) $ 168 $ 189 For the year ended December 31, 2018 (In thousands) Net unrealized losses on securities Adjustments related to defined benefit plan Net unrealized gains from cash flow hedges Accumulated other comprehensive income (loss) Balance, beginning of period $ (335 ) $ (341 ) $ 882 $ 206 Other comprehensive (loss) income before reclassifications (531 ) — 148 (383 ) Less amounts reclassified from accumulated other comprehensive (loss) income (145 ) 90 — (55 ) Period change (386 ) (90 ) 148 (328 ) Balance, end of period (1) $ (721 ) $ (431 ) $ 1,030 $ (122 ) (1) AOCI does not reflect the net reclassification of $35 thousand to Retained Earnings as a result of ASU 2016-01, "Financial Instruments Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities" & ASU 2018-02, "Income Statement - Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income". For the year ended December 31, 2017 (In thousands) Net unrealized (losses) gains on securities Adjustments related to defined benefit plan Net unrealized gains from cash flow hedges Accumulated other comprehensive income (loss) Balance, beginning of period $ (161 ) $ (391 ) $ 712 $ 160 Other comprehensive (loss) income before reclassifications (134 ) — 170 36 Less amounts reclassified from accumulated other comprehensive income (loss) 40 (50 ) — (10 ) Period change (174 ) 50 170 46 Balance, end of period $ (335 ) $ (341 ) $ 882 $ 206

Other Income (Tables)

Other Income (Tables)	12 Months Ended
	Dec. 31, 2019
Component of Operating Income [Abstract]
Components of Other Income	The components of other income for the past three years are as follows: For the years ended December 31, (In thousands) 2019 2018 2017 ATM and check card fees $ 832 $ 760 $ 721 Wire transfer fees 170 134 104 Safe deposit box fees 90 91 92 Other 254 222 191 Total other income $ 1,346 $ 1,207 $ 1,108

Other Expenses (Tables)

Other Expenses (Tables)	12 Months Ended
	Dec. 31, 2019
Other Expenses [Abstract]
Schedule of Other Nonoperating Expense, by Component	The components of other expenses for the past three years are as follows: For the years ended December 31, (In thousands) 2019 2018 2017 Travel, entertainment, training and recruiting $ 871 $ 806 $ 761 Insurance 325 336 347 Stationery and supplies 214 228 249 Retail losses 86 60 37 Other 381 352 489 Total other expenses $ 1,877 $ 1,782 $ 1,883

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of Provision for Income Taxes	The components of the provision for income taxes for the past three years are as follows: For the years ended December 31, (In thousands) 2019 2018 2017 Federal - current provision $ 5,478 $ 5,507 $ 7,003 Federal - deferred (benefit) provision (285 ) (799 ) 1,702 Total federal provision 5,193 4,708 8,705 State - current provision 1,483 1,143 991 State - deferred (benefit) (14 ) (463 ) (156 ) Total state provision 1,469 680 835 Total provision for income taxes $ 6,662 $ 5,388 $ 9,540
Schedule of Effective Income Tax Rate Reconciliation	Reconciliation between the reported income tax provision and the amount computed by multiplying income before taxes by the statutory Federal income tax rate for the past three years is as follows: For the years ended December 31, (In thousands, except percentages) 2019 2018 2017 Federal income tax provision at statutory rate $ 6,366 $ 5,734 $ 7,852 Increases (Decreases) resulting from: Stock option and restricted stock (185 ) (434 ) (428 ) Bank owned life insurance (123 ) (205 ) (164 ) Tax-exempt interest (22 ) (25 ) (56 ) Meals and entertainment 19 19 22 Captive insurance premium (209 ) (200 ) (295 ) State income taxes, net of federal income tax effect 1,161 538 543 Impact of rate change on deferred tax assets — — 1,733 Other, net (345 ) (39 ) 333 Provision for income taxes $ 6,662 $ 5,388 $ 9,540 Effective tax rate 22.0 % 19.7 % 42.5 %
Schedule of Deferred Tax Assets and Liabilities	The components of the net deferred tax asset at December 31, 2019 and 2018 are as follows: (In thousands) December 31, 2019 December 31, 2018 Deferred tax assets: Allowance for loan losses $ 4,605 $ 4,476 SERP 1,006 790 Stock-based compensation 719 561 Deferred compensation 533 385 Net unrealized security losses — 292 Depreciation 159 231 State net operating loss 140 214 EVP retirement plan 133 130 Commitment reserve 77 84 Other 212 238 Gross deferred tax assets 7,584 7,401 Valuation allowance (140 ) (214 ) Total deferred tax assets 7,444 7,187 Deferred tax liabilities: Deferred loan costs 451 414 Goodwill 400 382 Prepaid insurance 354 324 Deferred servicing fees 311 243 Net unrealized security gains 111 — Bond accretion 73 72 Interest rate swaps 69 402 Other 116 — Total deferred tax liabilities 1,885 1,837 Net deferred tax asset $ 5,559 $ 5,350

Net Income per Share (Tables)

Net Income per Share (Tables)	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Reconciliation of Calculation of Basic and Diluted Income Per Share	The following is a reconciliation of the calculation of basic and diluted net income per share for the past three years: For the years ended December 31, (In thousands, except per share amounts) 2019 2018 2017 Net income $ 23,653 $ 21,919 $ 12,893 Weighted average common shares outstanding - Basic 10,845 10,726 10,558 Plus: Potential dilutive common stock equivalents 184 190 191 Weighted average common shares outstanding - Diluted 11,029 10,916 10,749 Net income per common share - Basic $ 2.18 $ 2.04 $ 1.22 Net income per common share - Diluted 2.14 2.01 1.20 Stock options and common stock excluded from the income per share calculation as their effect would have been anti-dilutive 243 109 71

Regulatory Capital (Tables)

Regulatory Capital (Tables)	12 Months Ended
	Dec. 31, 2019
Regulatory Capital Requirements [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	The following table summarizes the Company's and the Bank's regulatory capital ratios at December 31, 2019 and December 31, 2018 , as well as the minimum regulatory capital ratios required for the Bank to be deemed "well-capitalized". At December 31, 2019 Required for capital adequacy purposes effective To be well-capitalized under prompt corrective action regulations Company Bank January 1, 2019 Bank Leverage ratio 10.59 % 10.15 % 4.00 % 5.00 % CET1 11.59 % 11.81 % 7.00 % (1 ) 6.50 % Tier I risk-based capital ratio 12.32 % 11.81 % 8.50 % (1 ) 8.00 % Total risk-based capital ratio 13.06 % 12.58 % 10.50 % (1 ) 10.00 % At December 31, 2018 Required for capital To be well-capitalized under prompt corrective action regulations Company Bank January 1, 2018 Bank Leverage ratio 9.90 % 9.52 % 4.000 % 5.00 % CET1 11.40 % 11.80 % 6.375 % (2 ) 6.50 % Tier I risk-based capital ratio 12.24 % 11.80 % 7.875 % (2 ) 8.00 % Total risk-based capital ratio 13.49 % 13.05 % 9.875 % (2 ) 10.00 % (1) Includes 2.5% capital conservation buffer. (2) Includes 1.875% capital conservation buffer.

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2019
Employee Benefits and Share-based Compensation, Noncash [Abstract]
Transactions under the Company’s stock option plans	Transactions under the Company’s stock option plans for 2019 , 2018 and 2017 are summarized in the following table: Shares Weighted average exercise price Weighted average remaining contractual life in years Aggregate intrinsic value Outstanding at December 31, 2016 552,759 $ 7.26 5.7 $ 4,663,432 Options granted 47,100 16.37 Options exercised (94,679 ) 6.19 Options forfeited — — Options expired (607 ) 11.48 Outstanding at December 31, 2017 504,573 $ 8.31 5.7 $ 5,772,843 Options granted 203,000 20.15 Options exercised (115,962 ) 4.97 Options forfeited (7,433 ) 15.47 Options expired — — Outstanding at December 31, 2018 584,178 $ 13.00 7.1 $ 4,574,680 Options granted 96,000 21.31 Options exercised (60,534 ) 7.49 Options forfeited (5,333 ) 19.38 Options expired — — Outstanding at December 31, 2019 614,311 $ 14.78 6.9 $ 4,783,402 Exercisable at December 31, 2019 372,794 $ 11.16 5.6 $ 4,254,086
Stock Options, Valuation Assumptions	The fair values of the options granted during 2019 , 2018 and 2017 were estimated on the date of grant using the Black-Scholes option-pricing model with the following weighted average assumptions: For the years ended December 31, 2019 2018 2017 Number of options granted 96,000 203,000 47,100 Weighted average exercise price $ 21.31 $ 20.15 $ 16.37 Weighted average fair value of options $ 6.20 $ 6.04 $ 4.64 Expected life in years (1) 8.23 7.17 6.57 Expected volatility (2) 27.05 % 26.60 % 28.12 % Risk-free interest rate (3) 2.21 % 2.61 % 2.18 % Dividend yield (4) 1.37 % 1.23 % 1.15 % (1) The expected life of the options was estimated based on historical employee behavior and represents the period of time that options granted are expected to be outstanding. (2) The expected volatility of the Company’s stock price was based on the historical volatility over the period commensurate with the expected life of the options. (3) The risk-free interest rate is the U.S. Treasury rate commensurate with the expected life of the options on the date of grant. (4) The expected dividend yield is the projected annual yield based on the grant date stock price.
Schedule of Information About Options Exercised	Upon exercise, the Company issues shares from its authorized but unissued common stock to satisfy the options. The following table presents information about options exercised during 2019 , 2018 and 2017 : For the years ended December 31, 2019 2018 2017 Number of options exercised 60,534 115,962 94,679 Total intrinsic value of options exercised $ 792,446 $ 1,949,853 $ 1,073,474 Cash received from options exercised 453,326 576,119 509,047 Tax deduction realized from options exercised 238,407 548,104 438,514
Schedule of Stock Options, by Exercise Price Range	The following table summarizes information about stock options outstanding and exercisable at December 31, 2019 : Options outstanding Options exercisable Range of exercise prices Options outstanding Weighted average remaining contractual life (in years) Weighted average exercise price Options exercisable Weighted average exercise price $0.00 - $6.00 61,761 2.7 $ 5.60 61,761 $ 5.60 $6.01 - $12.00 193,517 5.2 8.70 193,517 8.70 $12.01 - $18.00 67,533 7.1 15.78 52,336 15.60 $18.01 - $24.00 291,500 8.8 20.54 65,180 20.16 Total 614,311 6.9 $ 14.78 372,794 $ 11.16
Allocation of Share-based Compensation Costs	Compensation expense related to stock options and the related income tax benefit for the years ended December 31, 2019 , 2018 and 2017 are detailed in the following table: For the years ended December 31, 2019 2018 2017 Compensation expense $ 606,626 $ 478,733 $ 283,823 Income tax benefit 175,315 134,572 115,942 Compensation expense related to the restricted stock for the years ended December 31, 2019 , 2018 and 2017 is detailed in the following table: For the years ended December 31, 2019 2018 2017 Compensation expense $ 664,484 $ 574,236 $ 462,470 Income tax benefit 192,036 161,418 188,919
Schedule of Nonvested Share Activity	The following table summarizes nonvested restricted stock activity for the year ended December 31, 2019 : Shares Average grant date fair value Nonvested restricted stock at December 31, 2018 105,312 $ 16.55 Granted 46,050 20.84 Canceled (1,557 ) 16.78 Vested (41,065 ) 14.40 Nonvested restricted stock at December 31, 2019 108,740 $ 19.18
Restricted Stock Awards Activity	Restricted stock awards granted during the years ended December 31, 2019 , 2018 and 2017 were as follows: For the years ended December 31, 2019 2018 2017 Number of shares granted 46,050 47,550 38,400 Average grant date fair value $ 20.84 $ 20.77 $ 16.36
Summary of Components of Net Periodic Pension Cost of Defined Benefit Plan Recognized	The following table summarizes the components of the net periodic pension cost of the defined benefit plan recognized during the years ended December 31, 2019 , 2018 and 2017 : For the years ended December 31, (In thousands) 2019 2018 2017 Service cost (1) $ 689 $ 1,460 $ 121 Interest cost 135 101 43 Amortization of prior service cost 83 83 83 Net periodic benefit cost $ 907 $ 1,644 $ 247 (1) On September 27, 2018, the Company approved a change in calculation of the Retirement Benefit resulting in an additional $1.1 million in current expense.
Summary of Changes in Benefit Obligations of Defined Benefit Plan Recognized	The following table summarizes the changes in benefit obligations of the defined benefit plan recognized during the years ended December 31, 2019 , 2018 and 2017 : For the years ended December 31, (In thousands) 2019 2018 2017 Benefit obligation, beginning of year $ 2,747 $ 1,187 $ 1,023 Service cost (1) 689 1,460 121 Interest cost 135 101 43 Benefit obligation, end of year $ 3,571 $ 2,747 $ 1,187 (1) On September 27, 2018, the Company approved a change in calculation of the Retirement Benefit resulting in an additional $1.1 million in current expense.

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Balances of Assets And Liabilities Measured at Fair Value on Recurring Basis	The tables below present the balances of assets measured at fair value on a recurring basis as of December 31 st for the past two years: Fair Value Measurements at December 31, 2019 Using (In thousands) Assets/Liabilities Measured at Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Measured on a recurring basis: Assets: Debt Securities available for sale: U.S. Government sponsored entities $ 5,753 $ — $ 5,753 $ — State and political subdivisions 5,154 — 5,154 — Residential mortgage-backed securities 27,964 — 27,964 — Corporate and other securities 25,404 — 25,404 — Total debt securities available for sale $ 64,275 $ — $ 64,275 $ — Equity securities with readily determinable fair values 2,289 — 2,289 — Total equity securities $ 2,289 $ — $ 2,289 $ — Loans held for sale 14,862 — 14,862 — Total loans held for sale $ 14,862 $ — $ 14,862 $ — Interest rate swap agreements 238 — 238 — Total swap agreements $ 238 $ — $ 238 $ — Fair Value Measurements at December 31, 2018 Using (In thousands) Assets/Liabilities Measured at Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Measured on a recurring basis: Assets: Debt Securities available for sale: U.S. Government sponsored entities $ 5,642 $ — $ 5,642 $ — State and political subdivisions 4,498 — 4,498 — Residential mortgage-backed securities 26,613 — 26,613 — Corporate and other securities 9,960 — 9,960 — Total debt securities available for sale $ 46,713 $ — $ 46,713 $ — Equity securities with readily determinable fair values 2,144 — 2,144 — Total equity securities $ 2,144 $ — $ 2,144 $ — Loans held for sale 12,177 — 12,177 — Total loans held for sale $ 12,177 $ — $ 12,177 $ — Interest rate swap agreements 1,433 — 1,433 — Total swap agreements $ 1,433 $ — $ 1,433 $ —
Assets and Liabilities Carried on the Balance Sheet by Caption And By Level Within The Hierarchy	The following tables present the assets and liabilities subject to fair value adjustments (impairment) on a non-recurring basis carried on the balance sheet by caption and by level within the hierarchy (as described above): Fair Value Measurements at December 31, 2019 Using (In thousands) Assets/Liabilities Measured at Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Net (Credit) Provision During Period Measured on a non-recurring basis: Financial assets: OREO $ 1,723 $ — $ — $ 1,723 $ (231 ) Impaired collateral-dependent loans 1,925 — — 1,925 (253 ) Fair Value Measurements at December 31, 2018 Using (In thousands) Assets/Liabilities Measured at Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Net (Credit) Provision During Period Measured on a non-recurring basis: Financial assets: OREO $ 56 $ — $ — $ 56 $ (196 ) Impaired collateral-dependent loans 2,625 — — 2,625 (335 )
Carrying Amount and Estimated Fair Values of Financial Instruments	The table below presents the carrying amount and estimated fair values of the Company’s financial instruments not previously presented as of December 31 st for the past two years: December 31, 2019 December 31, 2018 (In thousands) Fair value level Carrying amount Estimated fair value Carrying amount Estimated fair value Financial assets: Cash and cash equivalents Level 1 $ 158,016 $ 158,016 $ 145,515 $ 145,515 Securities (1) Level 2 66,564 66,564 63,732 63,600 SBA loans held for sale Level 2 13,529 14,862 11,171 12,177 Loans, net of allowance for loan losses (2) Level 2 1,395,634 1,398,997 1,277,907 1,268,909 Federal Home Loan Bank stock Level 2 14,184 14,184 10,795 10,795 Servicing assets Level 3 2,026 2,026 2,375 2,375 Accrued interest receivable Level 2 6,984 6,984 6,399 6,399 OREO Level 3 1,723 1,723 56 56 Financial liabilities: Deposits Level 2 1,250,114 1,252,082 1,207,687 1,204,731 Borrowed funds and subordinated debentures Level 2 293,310 292,766 220,310 218,879 Accrued interest payable Level 2 455 455 406 406 (1) At December 31, 2018, includes held to maturity ("HTM") corporate securities that are considered Level 3. These securities had book values of $ 3.6 million and market values of $ 3.4 million. Includes one corporate bond with a book value and market value of $1.0 million . (2) Includes impaired loans that are considered Level 3 and reported separately in the tables under the “Fair Value on a Nonrecurring Basis” heading. Collateral-dependent impaired loans, net of specific reserves totaled $1.9 million and $2.6 million at December 31, 2019 and 2018 .

Condensed Financial Statement_2

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) (Tables)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheets	Balance Sheets (In thousands) December 31, 2019 December 31, 2018 ASSETS Cash and cash equivalents $ 2,308 $ 1,209 Equity securities 1,355 1,239 Investment in subsidiaries 164,881 143,487 Premises and equipment, net 3,849 3,893 Other assets 967 1,372 Total assets $ 173,360 $ 151,200 LIABILITIES AND SHAREHOLDERS' EQUITY Loan due to subsidiary bank $ 2,304 $ 2,396 Other liabilities 37 6 Subordinated debentures 10,310 10,310 Shareholders' equity 160,709 138,488 Total liabilities and shareholders' equity $ 173,360 $ 151,200
Condensed Statements of Income	Statements of Income For the year ended December 31, (In thousands) 2019 2018 2017 Dividend from Bank $ 3,300 $ 2,890 $ 2,452 Gain on sales of securities 17 — — Other income 454 425 413 Total income 3,771 3,315 2,865 Interest expenses 366 251 251 Market value (appreciation) write-downs on equity securities (293 ) 171 — Other expenses 251 261 251 Total expenses 324 683 502 Income before provision for income taxes and equity in undistributed net income of subsidiary 3,447 2,632 2,363 Benefit (provision) for income taxes 78 (14 ) (15 ) Income before equity in undistributed net income of subsidiary 3,369 2,646 2,378 Equity in undistributed net income of subsidiary 20,284 19,273 10,515 Net income $ 23,653 $ 21,919 $ 12,893
Condensed Statements of Cash Flows	Statements of Cash Flows For the year ended December 31, (In thousands) 2019 2018 2017 OPERATING ACTIVITIES Net income $ 23,653 $ 21,919 $ 12,893 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiary (20,284 ) (19,273 ) (10,515 ) Gain on sales of securities (17 ) — — Net change in other assets and other liabilities 506 377 (81 ) Net cash provided by operating activities 3,858 3,023 2,297 INVESTING ACTIVITIES Purchase of land and building (64 ) — (55 ) Purchases of securities — (1,133 ) (262 ) Proceeds from sales of securities 198 — — Net cash provided by (used in) investing activities 134 (1,133 ) (317 ) FINANCING ACTIVITIES Proceeds from exercise of stock options 453 576 509 Repayment of advances from subsidiaries (91 ) (87 ) (83 ) Cash dividends paid on common stock (3,255 ) (2,802 ) (2,380 ) Net cash used in financing activities (2,893 ) (2,313 ) (1,954 ) Increase (decrease) in cash and cash equivalents 1,099 (423 ) 26 Cash and cash equivalents, beginning of period 1,209 1,632 1,606 Cash and cash equivalents, end of period $ 2,308 $ 1,209 $ 1,632 SUPPLEMENTAL DISCLOSURES Interest paid $ 479 $ 368 $ 374

Quarterly Financial Informati_2

Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Information	2019 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 18,500 $ 18,781 $ 19,055 $ 19,312 Total interest expense 4,284 4,571 4,651 4,549 Net interest income 14,216 14,210 14,404 14,763 Provision for loan losses 500 350 750 500 Net interest income after provision for loan losses 13,716 13,860 13,654 14,263 Total noninterest income 2,020 2,411 2,710 2,398 Total noninterest expense 8,476 8,791 8,729 8,721 Income before provision for income taxes 7,260 7,480 7,635 7,940 Provision for income taxes 1,520 1,646 1,676 1,820 Net income $ 5,740 $ 5,834 $ 5,959 $ 6,120 Net income per common share - Basic $ 0.53 $ 0.54 $ 0.55 $ 0.56 Net income per common share - Diluted 0.52 0.53 0.54 0.55 2018 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 15,640 $ 16,369 $ 17,194 $ 18,060 Total interest expense 2,768 3,225 3,627 3,896 Net interest income 12,872 13,144 13,567 14,164 Provision for loan losses 500 550 500 500 Net interest income after provision for loan losses 12,372 12,594 13,067 13,664 Total noninterest income 2,286 2,312 2,479 1,954 Total noninterest expense 8,194 8,158 8,801 8,268 Income before provision for income taxes 6,464 6,748 6,745 7,350 Provision for income taxes 1,235 1,351 1,255 1,547 Net income $ 5,229 $ 5,397 $ 5,490 $ 5,803 Net income per common share - Basic $ 0.49 $ 0.50 $ 0.51 $ 0.54 Net income per common share - Diluted 0.48 0.49 0.50 0.53 2017 (In thousands, except per share data) March 31 June 30 September 30 December 31 Total interest income $ 12,594 $ 13,477 $ 14,195 $ 15,044 Total interest expense 2,204 2,327 2,378 2,544 Net interest income 10,390 11,150 11,817 12,500 Provision for loan losses 250 400 500 500 Net interest income after provision for loan losses 10,140 10,750 11,317 12,000 Total noninterest income 2,204 2,021 2,008 2,037 Total noninterest expense 7,440 7,421 7,554 7,629 Income before provision for income taxes 4,904 5,350 5,771 6,408 Provision for income taxes 1,712 1,906 2,014 3,908 Net income $ 3,192 $ 3,444 $ 3,757 $ 2,500 Net income per common share - Basic $ 0.30 $ 0.33 $ 0.36 $ 0.23 Net income per common share - Diluted 0.30 0.32 0.35 0.23

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details)	12 Months Ended
	Dec. 31, 2019USD ($)segmentsubsidiaryoffice
Property, Plant and Equipment [Line Items]
Number of offices | office	19
Number of wholly-owned subsidiaries | subsidiary	9
Number of wholly-owned statutory trust subsidiaries | subsidiary	2
Guarantee percentage of SBA Loan	90.00%
Number of reportable segments | segment	1
Goodwill | $	$ 1,500,000
Maximum
Property, Plant and Equipment [Line Items]
Post modification recorded investment discount for selling and closing costs	10.00%
Maximum | Building
Property, Plant and Equipment [Line Items]
PP&E useful life	30 years
Maximum | Furniture, Fixtures and Equipment
Property, Plant and Equipment [Line Items]
PP&E useful life	10 years
Maximum | Equipment
Property, Plant and Equipment [Line Items]
PP&E useful life	5 years
Minimum
Property, Plant and Equipment [Line Items]
Value for real estate appraisal for OREO or substance foreclosure | $	$ 100,000
Post modification recorded investment discount for selling and closing costs	6.00%
Minimum | Equipment
Property, Plant and Equipment [Line Items]
PP&E useful life	3 years

Restrictions on Cash (Details)

Restrictions on Cash (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Federal Reserve Bank Additional Reserve Requirement
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash and cash equivalents	$ 25,500	$ 23,100
Electronic Funds Transfer
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash and cash equivalents	156	156
Unity Risk Management, Inc. | Subsidiaries
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash and cash equivalents	$ 1,900	$ 1,700

Securities - Reconciliation fro

Securities - Reconciliation from Amortized Cost to Estimated Fair Value of Marketable Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Available for sale:
Amortized cost	$ 63,883	$ 47,762
Gross unrealized gains	780	201
Gross unrealized losses	(388)	(1,250)
Estimated fair value	64,275	46,713
Held to maturity:
Amortized cost	0	14,875
Gross unrealized gains	0	211
Gross unrealized losses	0	(284)
Estimated fair value	0	14,802
Equity securities:
Amortized cost	2,218	2,394
Gross unrealized gains	142	0
Gross unrealized losses	(71)	(250)
Estimated fair value	2,289	2,144
U.S. Government sponsored entities
Available for sale:
Amortized cost	5,751	5,758
Gross unrealized gains	4	0
Gross unrealized losses	(2)	(116)
Estimated fair value	5,753	5,642
Held to maturity:
Amortized cost	0	2,527
Gross unrealized gains	0	0
Gross unrealized losses	0	(94)
Estimated fair value	0	2,433
State and political subdivisions
Available for sale:
Amortized cost	4,992	4,614
Gross unrealized gains	174	4
Gross unrealized losses	(12)	(120)
Estimated fair value	5,154	4,498
Held to maturity:
Amortized cost	0	951
Gross unrealized gains	0	110
Gross unrealized losses	0	0
Estimated fair value	0	1,061
Residential mortgage-backed securities
Available for sale:
Amortized cost	27,698	27,159
Gross unrealized gains	372	74
Gross unrealized losses	(106)	(620)
Estimated fair value	27,964	26,613
Held to maturity:
Amortized cost	0	3,312
Gross unrealized gains	0	17
Gross unrealized losses	0	(52)
Estimated fair value	0	3,277
Commercial mortgage-backed securities
Held to maturity:
Amortized cost	0	3,570
Gross unrealized gains	0	0
Gross unrealized losses	0	(138)
Estimated fair value	0	3,432
Corporate and other securities
Available for sale:
Amortized cost	25,442	10,231
Gross unrealized gains	230	123
Gross unrealized losses	(268)	(394)
Estimated fair value	25,404	9,960
Held to maturity:
Amortized cost	0	4,515
Gross unrealized gains	0	84
Gross unrealized losses	0	0
Estimated fair value	$ 0	$ 4,599

Securities - Schedule Of Market

Securities - Schedule Of Marketable Securities By Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Available for sale at fair value:
Within one year, Amount	$ 1,950
After one through five years, Amount	8,793
After five through ten years, Amount	22,174
After ten years, Amount	31,358
Securities available for sale	$ 64,275	$ 46,713
Within one year, Yield	1.96%
After one through five years, Yield	2.65%
After five through ten years, Yield	4.36%
After ten years, Yield	3.13%
Total carrying value, Yield	3.46%
Equity securities at fair value:
Within one year, Amount	$ 0
After one through five years, Amount	0
After five through ten years, Amount	0
After ten years, Amount	2,289
Estimated fair value	$ 2,289	2,144
Within one year, Yield	0.00%
After one through five years, Yield	0.00%
After five through ten years, Yield	0.00%
After ten years, Yield	2.21%
Total carrying value, Yield	2.21%
U.S. Government sponsored entities
Available for sale at fair value:
Within one year, Amount	$ 1,752
After one through five years, Amount	4,001
After five through ten years, Amount	0
After ten years, Amount	0
Securities available for sale	$ 5,753	5,642
Within one year, Yield	1.75%
After one through five years, Yield	1.83%
After five through ten years, Yield	0.00%
After ten years, Yield	0.00%
Total carrying value, Yield	1.81%
State and political subdivisions
Available for sale at fair value:
Within one year, Amount	$ 195
After one through five years, Amount	601
After five through ten years, Amount	3,345
After ten years, Amount	1,013
Securities available for sale	$ 5,154	4,498
Within one year, Yield	3.80%
After one through five years, Yield	3.92%
After five through ten years, Yield	3.41%
After ten years, Yield	2.74%
Total carrying value, Yield	3.35%
Residential mortgage-backed securities
Available for sale at fair value:
Within one year, Amount	$ 3
After one through five years, Amount	375
After five through ten years, Amount	2,475
After ten years, Amount	25,111
Securities available for sale	$ 27,964	26,613
Within one year, Yield	4.79%
After one through five years, Yield	2.33%
After five through ten years, Yield	2.47%
After ten years, Yield	2.75%
Total carrying value, Yield	2.72%
Corporate and other securities
Available for sale at fair value:
Within one year, Amount	$ 0
After one through five years, Amount	3,816
After five through ten years, Amount	16,354
After ten years, Amount	5,234
Securities available for sale	$ 25,404	$ 9,960
Within one year, Yield	0.00%
After one through five years, Yield	3.34%
After five through ten years, Yield	4.84%
After ten years, Yield	5.07%
Total carrying value, Yield	4.66%

Securities - Schedule of Mark_2

Securities - Schedule of Marketable Securities in Unrealized Loss Position (Details) $ in Thousands	Dec. 31, 2019USD ($)security	Dec. 31, 2018USD ($)security
Available for sale:
Total number in a loss position | security	18	45
Less than 12 months, estimated fair value	$ 7,073	$ 5,416
Less than 12 months, unrealized loss	(40)	(53)
12 months and greater, estimated fair value	11,739	35,038
12 months and greater, unrealized loss	(348)	(1,197)
Estimated fair value	18,812	40,454
Unrealized loss	$ (388)	$ (1,250)
Held to maturity:
Held to maturity, Total number in a loss position | security		9
Held to maturity, Less than 12 months Estimated fair value		$ 1,277
Held to maturity, Less than 12 months Unrealized loss		(15)
Held to maturity, 12 months and greater, Estimated fair value		6,687
Held to maturity, 12 months and greater, Unrealized loss		(269)
Held to maturity, Total Estimated fair value		7,964
Held to maturity, Total Unrealized loss		$ (284)
U.S. Government sponsored entities
Available for sale:
Total number in a loss position | security	1	5
Less than 12 months, estimated fair value	$ 0	$ 0
Less than 12 months, unrealized loss	0	0
12 months and greater, estimated fair value	1,995	5,642
12 months and greater, unrealized loss	(2)	(116)
Estimated fair value	1,995	5,642
Unrealized loss	$ (2)	$ (116)
Held to maturity:
Held to maturity, Total number in a loss position | security		2
Held to maturity, Less than 12 months Estimated fair value		$ 0
Held to maturity, Less than 12 months Unrealized loss		0
Held to maturity, 12 months and greater, Estimated fair value		2,434
Held to maturity, 12 months and greater, Unrealized loss		(94)
Held to maturity, Total Estimated fair value		2,434
Held to maturity, Total Unrealized loss		$ (94)
State and political subdivisions
Available for sale:
Total number in a loss position | security	1	4
Less than 12 months, estimated fair value	$ 0	$ 0
Less than 12 months, unrealized loss	0	0
12 months and greater, estimated fair value	1,013	3,129
12 months and greater, unrealized loss	(12)	(120)
Estimated fair value	1,013	3,129
Unrealized loss	$ (12)	$ (120)
Residential mortgage-backed securities
Available for sale:
Total number in a loss position | security	10	31
Less than 12 months, estimated fair value	$ 3,707	$ 4,445
Less than 12 months, unrealized loss	(27)	(23)
12 months and greater, estimated fair value	4,996	20,480
12 months and greater, unrealized loss	(79)	(597)
Estimated fair value	8,703	24,925
Unrealized loss	$ (106)	$ (620)
Held to maturity:
Held to maturity, Total number in a loss position | security		5
Held to maturity, Less than 12 months Estimated fair value		$ 1,277
Held to maturity, Less than 12 months Unrealized loss		(15)
Held to maturity, 12 months and greater, Estimated fair value		821
Held to maturity, 12 months and greater, Unrealized loss		(37)
Held to maturity, Total Estimated fair value		2,098
Held to maturity, Total Unrealized loss		$ (52)
Corporate and other securities
Available for sale:
Total number in a loss position | security	6	5
Less than 12 months, estimated fair value	$ 3,366	$ 971
Less than 12 months, unrealized loss	(13)	(30)
12 months and greater, estimated fair value	3,735	5,787
12 months and greater, unrealized loss	(255)	(364)
Estimated fair value	7,101	6,758
Unrealized loss	$ (268)	$ (394)
Commercial mortgage-backed securities
Held to maturity:
Held to maturity, Total number in a loss position | security		2
Held to maturity, Less than 12 months Estimated fair value		$ 0
Held to maturity, Less than 12 months Unrealized loss		0
Held to maturity, 12 months and greater, Estimated fair value		3,432
Held to maturity, 12 months and greater, Unrealized loss		(138)
Held to maturity, Total Estimated fair value		3,432
Held to maturity, Total Unrealized loss		$ (138)

Securities - Schedule Of Realiz

Securities - Schedule Of Realized Gains (Losses) For Marketable Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Available for sale:
Realized gains	$ 35	$ 0	$ 89
Realized losses	0	(4)	(61)
Total debt securities available for sale	35	(4)	28
Held to maturity:
Realized gains	0	0	38
Realized losses	0	0	(4)
Total securities held to maturity	0	0	34
Net gains (losses) on sales of securities	$ 35	$ (4)	$ 62

Securities - Realized Gains and

Securities - Realized Gains and Losses (Details)	12 Months Ended
	Dec. 31, 2019USD ($)security	Dec. 31, 2018USD ($)security	Dec. 31, 2017USD ($)security
Schedule of Investments [Line Items]
Other than temporary impairment		$ 0
Realized gains	$ 35,000	0	$ 127,000
Realized losses	0	4,000	$ 65,000
Available-for-sale securities pledged as collateral	$ 4,000,000	$ 4,300,000
2 Mortgage Backed Securities | Mortgage-backed securities
Schedule of Investments [Line Items]
Number of securities sold | security	2		2
Book value	$ 3,500,000		$ 1,600,000
Securities realized gain (loss)	$ 64,000		$ (58,000)
2 SBA Securities | SBA Securities
Schedule of Investments [Line Items]
Number of securities sold | security	2
Book value	$ 2,100,000
Securities realized gain (loss)	$ (29,000)
1 Security Sold | Municipal Securities
Schedule of Investments [Line Items]
Number of securities sold | security		1
Book value		$ 174,000
Securities realized gain (loss)		$ (4,000)
3 Mortgage Backed Securities | Mortgage-backed securities
Schedule of Investments [Line Items]
Number of securities sold | security			3
Book value			$ 1,200,000
Securities realized gain (loss)			$ 71,000
1 SBA Security | SBA Securities
Schedule of Investments [Line Items]
Number of securities sold | security			1
Book value			$ 529,000
Securities realized gain (loss)			$ 38,000
2 Asset-Backed Securities | Asset-backed Securities
Schedule of Investments [Line Items]
Number of securities sold | security			2
Book value			$ 3,500,000
Securities realized gain (loss)			$ 3,000
4 Securities Sold | Municipal Securities
Schedule of Investments [Line Items]
Number of securities sold | security			4
Book value			$ 500,000
Securities realized gain (loss)			$ 15,000
2 Corporate Bonds | Corporate Bond Securities
Schedule of Investments [Line Items]
Number of securities sold | security			2
Book value			$ 3,000,000
Securities realized gain (loss)			$ (7,000)

Securities - Realized Gains (Lo

Securities - Realized Gains (Losses) for Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Marketable Securities [Abstract]
Net gains (losses) recognized during the period on equity securities	$ 321	$ (195)
Net gains recognized on equity securities sold during the period	17	0
Net gains (losses) recognized during the reporting period on equity securities still held at the reporting date	$ 338	$ (195)

Loans (Classification of Loans

Loans (Classification of Loans By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	$ 1,412,029	$ 1,293,395
SBA loans held for sale	13,529	11,171
Total loans	1,425,558	1,304,566
SBA loans held for investment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	35,767	39,333
SBA 504 loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	26,726	29,155
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	765,032	694,102
Commercial loans | Consumer other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	112,014	104,587
Commercial loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	578,643	510,370
Commercial loans | Commercial real estate construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	47,649	49,990
Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	467,706	436,056
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	143,524	123,904
Consumer loans | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	69,589	59,887
Consumer loans | Consumer other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held for investment	$ 73,935	$ 64,017

Loans (Loan Portfolio by Class

Loans (Loan Portfolio by Class According to Credit Quality Indicators) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	$ 1,412,029	$ 1,293,395
SBA loans held for investment
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	35,767	39,333
SBA 504 loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	26,726	29,155
Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	765,032	694,102
Commercial loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	112,014	104,587
Commercial loans | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	578,643	510,370
Commercial loans | Commercial real estate construction
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	47,649	49,990
Total SBA and commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	800,799	733,435
Residential mortgage loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	467,706	436,056
Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	143,524	123,904
Consumer loans | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	69,589	59,887
Consumer loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	73,935	64,017
Total residential mortgage and consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	611,230	559,960
Pass | SBA loans held for investment
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	34,202	37,198
Pass | SBA 504 loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	24,878	28,105
Pass | Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	756,073	685,923
Pass | Commercial loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	107,220	103,806
Pass | Commercial loans | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	576,326	504,022
Pass | Commercial loans | Commercial real estate construction
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	47,649	49,990
Pass | Total SBA and commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	790,275	723,121
Special mention | SBA loans held for investment
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,115	601
Special mention | SBA 504 loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,808	0
Special mention | Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	5,927	3,201
Special mention | Commercial loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	3,361	322
Special mention | Commercial loans | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	758	2,879
Special mention | Commercial loans | Commercial real estate construction
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Special mention | Total SBA and commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	7,042	3,802
Substandard | SBA loans held for investment
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	450	1,534
Substandard | SBA 504 loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	40	1,050
Substandard | Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	3,032	4,978
Substandard | Commercial loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,433	459
Substandard | Commercial loans | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	1,559	3,469
Substandard | Commercial loans | Commercial real estate construction
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	0
Substandard | Total SBA and commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	3,482	6,512
Performing | Residential mortgage loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	463,770	431,845
Performing | Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	143,504	123,878
Performing | Consumer loans | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	69,589	59,861
Performing | Consumer loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	73,915	64,017
Performing | Total residential mortgage and consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	607,274	555,723
Nonperforming | Residential mortgage loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	3,936	4,211
Nonperforming | Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	20	26
Nonperforming | Consumer loans | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	0	26
Nonperforming | Consumer loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	20	0
Nonperforming | Total residential mortgage and consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans held for investment	$ 3,956	$ 4,237

Loans (Aging Analysis of Past D

Loans (Aging Analysis of Past Due and Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Total past due	$ 17,517	$ 12,973
Nonaccrual	5,649	6,873
Current	1,408,041	1,291,593
Total loans held for investment, current	1,394,512	1,280,422
Total	1,412,029	1,293,395
SBA loans held for sale	13,529	11,171
Total loans	1,425,558	1,304,566
SBA loans held for investment
Financing Receivable, Recorded Investment [Line Items]
Total past due	2,212	1,560
Nonaccrual	1,164	1,560
Current	33,555	37,773
Total	35,767	39,333
SBA 504 loans
Financing Receivable, Recorded Investment [Line Items]
Total past due	1,808	0
Nonaccrual	0	0
Current	24,918	29,155
Total	26,726	29,155
Commercial loans
Financing Receivable, Recorded Investment [Line Items]
Total	765,032	694,102
Commercial loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total past due	387	30
Nonaccrual	316	30
Current	111,627	104,557
Total	112,014	104,587
Commercial loans | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total past due	428	1,347
Nonaccrual	213	1,046
Current	578,215	509,023
Total	578,643	510,370
Commercial loans | Commercial real estate construction
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
Nonaccrual	0	0
Current	47,649	49,990
Total	47,649	49,990
Residential mortgage loans
Financing Receivable, Recorded Investment [Line Items]
Total past due	10,925	9,314
Nonaccrual	3,936	4,211
Current	456,781	426,742
Total	467,706	436,056
Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total	143,524	123,904
Consumer loans | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total past due	1,624	422
Nonaccrual	0	26
Current	67,965	59,465
Total	69,589	59,887
Consumer loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total past due	133	300
Nonaccrual	20	0
Current	73,802	63,717
Total	73,935	64,017
30-59 days past due
Financing Receivable, Recorded Investment [Line Items]
Total past due	7,163	4,798
30-59 days past due | SBA loans held for investment
Financing Receivable, Recorded Investment [Line Items]
Total past due	1,048	0
30-59 days past due | SBA 504 loans
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
30-59 days past due | Commercial loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total past due	71	0
30-59 days past due | Commercial loans | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total past due	215	301
30-59 days past due | Commercial loans | Commercial real estate construction
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
30-59 days past due | Residential mortgage loans
Financing Receivable, Recorded Investment [Line Items]
Total past due	4,383	3,801
30-59 days past due | Consumer loans | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total past due	1,446	396
30-59 days past due | Consumer loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	300
60-89 days past due
Financing Receivable, Recorded Investment [Line Items]
Total past due	3,775	1,204
60-89 days past due | SBA loans held for investment
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
60-89 days past due | SBA 504 loans
Financing Receivable, Recorded Investment [Line Items]
Total past due	1,808	0
60-89 days past due | Commercial loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
60-89 days past due | Commercial loans | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
60-89 days past due | Commercial loans | Commercial real estate construction
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
60-89 days past due | Residential mortgage loans
Financing Receivable, Recorded Investment [Line Items]
Total past due	1,676	1,204
60-89 days past due | Consumer loans | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total past due	178	0
60-89 days past due | Consumer loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total past due	113	0
90 days and still accruing
Financing Receivable, Recorded Investment [Line Items]
Total past due	930	98
90 days and still accruing | SBA loans held for investment
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
90 days and still accruing | SBA 504 loans
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
90 days and still accruing | Commercial loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
90 days and still accruing | Commercial loans | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
90 days and still accruing | Commercial loans | Commercial real estate construction
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
90 days and still accruing | Residential mortgage loans
Financing Receivable, Recorded Investment [Line Items]
Total past due	930	98
90 days and still accruing | Consumer loans | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
90 days and still accruing | Consumer loans | Consumer other
Financing Receivable, Recorded Investment [Line Items]
Total past due	0	0
Collateral Pledged | Small Business Administration
Financing Receivable, Recorded Investment [Line Items]
Nonaccrual	$ 59	$ 89

Loans (Impaired Loans with Asso

Loans (Impaired Loans with Associated Allowance Amount) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Unpaid principal balance
With no related allowance	$ 1,437	$ 1,405
With an allowance	1,678	2,032
Total individually evaluated impaired loans	3,115	3,437
Recorded investment
With no related allowance	1,277	1,399
With an allowance	1,062	1,893
Total individually evaluated impaired loans	2,339	3,292
Specific reserves	414	667
Financing receivable, nonaccrual status	5,649	6,873
SBA loans held for investment
Unpaid principal balance
With no related allowance	1,224	359
With an allowance	157	1,257
Total individually evaluated impaired loans	1,381	1,616
Recorded investment
With no related allowance	1,064	353
With an allowance	41	1,118
Total individually evaluated impaired loans	1,105	1,471
Specific reserves	41	540
Financing receivable, nonaccrual status	1,164	1,560
Commercial loans
Unpaid principal balance
With no related allowance	213	1,046
With an allowance	1,521	775
Total individually evaluated impaired loans	1,734	1,821
Recorded investment
With no related allowance	213	1,046
With an allowance	1,021	775
Total individually evaluated impaired loans	1,234	1,821
Specific reserves	373	127
Commercial loans | Consumer other
Unpaid principal balance
With an allowance	816	30
Total individually evaluated impaired loans	816	30
Recorded investment
With an allowance	316	30
Total individually evaluated impaired loans	316	30
Specific reserves	316	30
Financing receivable, nonaccrual status	316	30
Commercial loans | Commercial real estate
Unpaid principal balance
With no related allowance	213	1,046
With an allowance	705	745
Total individually evaluated impaired loans	918	1,791
Recorded investment
With no related allowance	213	1,046
With an allowance	705	745
Total individually evaluated impaired loans	918	1,791
Specific reserves	57	97
Financing receivable, nonaccrual status	213	1,046
Collateral Pledged | Small Business Administration
Recorded investment
Financing receivable, nonaccrual status	$ 59	$ 89

Loans (Average Recorded Investm

Loans (Average Recorded Investments in Impaired Loans and Related Amount of Interest Recognized) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Average recorded investment	$ 2,201	$ 3,167	$ 1,460
Interest income recognized on impaired loans	59	103	90
Impaired financing receivable average recorded investment, guaranteed by Small Business Administration	124	85	318
SBA loans held for investment
Financing Receivable, Impaired [Line Items]
Average recorded investment	679	1,063	668
Interest income recognized on impaired loans	17	3	47
SBA 504 loans
Financing Receivable, Impaired [Line Items]
Average recorded investment	0	0	82
Interest income recognized on impaired loans	0	0	0
Commercial loans | Consumer other
Financing Receivable, Impaired [Line Items]
Average recorded investment	264	12	25
Interest income recognized on impaired loans	6	0	0
Commercial loans | Commercial real estate
Financing Receivable, Impaired [Line Items]
Average recorded investment	1,258	2,092	685
Interest income recognized on impaired loans	$ 36	$ 100	$ 43

Loans (Troubled Debt Restructur

Loans (Troubled Debt Restructurings) (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)loan	Dec. 31, 2018USD ($)loan	Dec. 31, 2017USD ($)
Financing Receivable, Impaired [Line Items]
Average recorded investment	$ 2,201	$ 3,167	$ 1,460
Impaired financing receivable, related allowance	$ 414	$ 667
Number of loans modified as TRD, subsequent default | loan	0	0
Troubled Debt Restructuring
Financing Receivable, Impaired [Line Items]
Number of loans modified as TRD | loan	1	1
Impaired financing receivable, related allowance	$ 57	$ 97
Troubled Debt Restructuring | Performing
Financing Receivable, Impaired [Line Items]
Average recorded investment	$ 705	$ 745

Loans (Servicing Assets) (Narra

Loans (Servicing Assets) (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Impaired [Line Items]
Loans sold and serviced but owned by outside investors	$ 130,600	$ 143,700
Servicing assets	2,026	2,375	$ 1,800	$ 2,086
Unamortized discount amount	1,300	1,500
Unrealized gains on interest rate swap agreements
Financing Receivable, Impaired [Line Items]
Servicing assets	$ 920	1,024
Discount rate used to determine fair value of mortgage servicing assets	15.00%
Unrealized gains on interest rate swap agreements | Minimum
Financing Receivable, Impaired [Line Items]
Constant prepayment speeds range used to determine fair value	15.00%
Interest strip multiples range used to determine fair value	2.08%
Unrealized gains on interest rate swap agreements | Maximum
Financing Receivable, Impaired [Line Items]
Constant prepayment speeds range used to determine fair value	18.00%
Interest strip multiples range used to determine fair value	3.80%
Mortgage servicing asset
Financing Receivable, Impaired [Line Items]
Servicing assets	$ 1,106	$ 1,351
Discount rate used to determine fair value of mortgage servicing assets	12.00%
Period used to determine the fair value of mortgage servicing assets	7 years

Loans (Servicing Assets) (Detai

Loans (Servicing Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Servicing Asset at Fair Value, Amount [Roll Forward]
Balance, beginning of year	$ 2,375	$ 1,800	$ 2,086
Servicing assets capitalized	643	939	172
Amortization of expense	(992)	(364)	(458)
Balance, end of year	$ 2,026	$ 2,375	$ 1,800

Loans (Officer and Director Loa

Loans (Officer and Director Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Loan portfolio secured by real estate, percent	94.00%	94.00%
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance, beginning of year	$ 22,429	$ 33,109
New loans and advances	73	4,083
Loan repayments	(4,661)	(14,763)
Balance, end of year	$ 17,841	$ 22,429

Allowance for Loan Losses and_3

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments - Activity in the Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				$ 15,488				$ 13,556				$ 12,579	$ 15,488	$ 13,556	$ 12,579
Charge-offs													(1,242)	(386)	(911)
Recoveries													49	268	238
Net (charge-offs) recoveries													(1,193)	(118)	(673)
Provision (credit) for loan losses charged to expense	$ 500	$ 750	$ 350	500	$ 500	$ 500	$ 550	500	$ 500	$ 500	$ 400	250	2,100	2,050	1,650
Balance, end of period	16,395				15,488				13,556				16,395	15,488	13,556
SBA loans held for investment
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				1,655				1,471				1,576	1,655	1,471	1,576
Charge-offs													(535)	(354)	(293)
Recoveries													23	72	121
Net (charge-offs) recoveries													(512)	(282)	(172)
Provision (credit) for loan losses charged to expense													(64)	466	67
Balance, end of period	1,079				1,655				1,471				1,079	1,655	1,471
Commercial loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				8,705				7,825				7,302	8,705	7,825	7,302
Charge-offs													(501)	(10)	(227)
Recoveries													16	30	102
Net (charge-offs) recoveries													(485)	20	(125)
Provision (credit) for loan losses charged to expense													1,502	860	648
Balance, end of period	9,722				8,705				7,825				9,722	8,705	7,825
Residential mortgage loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				3,900				3,130				2,593	3,900	3,130	2,593
Charge-offs													(205)	0	(55)
Recoveries													0	13	12
Net (charge-offs) recoveries													(205)	13	(43)
Provision (credit) for loan losses charged to expense													559	757	580
Balance, end of period	4,254				3,900				3,130				4,254	3,900	3,130
Consumer loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				1,228				1,130				925	1,228	1,130	925
Charge-offs													(1)	(22)	(336)
Recoveries													10	153	3
Net (charge-offs) recoveries													9	131	(333)
Provision (credit) for loan losses charged to expense													103	(33)	538
Balance, end of period	1,340				1,228				1,130				1,340	1,228	1,130
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				$ 0				$ 0				$ 183	0	0	183
Charge-offs														0	0
Recoveries														0	0
Net (charge-offs) recoveries													0	0	0
Provision (credit) for loan losses charged to expense													0	0	(183)
Balance, end of period	$ 0				$ 0				$ 0				$ 0	$ 0	$ 0

Allowance for Loan Losses and_4

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments - Loans and their Related Allowance for Loan Losses, by Portfolio Segment) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	$ 414	$ 667
Collectively evaluated for impairment	15,981	14,821
Total	16,395	15,488	$ 13,556	$ 12,579
Individually evaluated for impairment	2,339	3,292
Collectively evaluated for impairment	1,409,690	1,290,103
Total	1,412,029	1,293,395
SBA loans held for investment
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	41	540
Collectively evaluated for impairment	1,038	1,115
Total	1,079	1,655	1,471	1,576
Individually evaluated for impairment	1,105	1,471
Collectively evaluated for impairment	34,662	37,862
Total	35,767	39,333
Commercial loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	373	127
Collectively evaluated for impairment	9,349	8,578
Total	9,722	8,705	7,825	7,302
Individually evaluated for impairment	1,234	1,821
Collectively evaluated for impairment	763,798	692,281
Total	765,032	694,102
Residential mortgage loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	4,254	3,900
Total	4,254	3,900	3,130	2,593
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	467,706	436,056
Total	467,706	436,056
Consumer loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,340	1,228
Total	1,340	1,228	$ 1,130	$ 925
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	143,524	123,904
Total	$ 143,524	$ 123,904

Allowance for Loan Losses and_5

Allowance for Loan Losses and Reserve for Unfunded Loan Commitments - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Reserve for unfunded loan commitments	$ 273,000	$ 290,000
Losses on unfunded loan commitments	$ 0	$ 0

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Depreciation	$ 1,700	$ 1,600
Property, Plant and Equipment [Line Items]
Gross premises and equipment	37,006	38,377
Less: Accumulated depreciation	(15,691)	(15,006)
Net premises and equipment	21,315	23,371
Land and buildings
Property, Plant and Equipment [Line Items]
Gross premises and equipment	23,466	25,214
Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Gross premises and equipment	11,164	10,778
Leasehold improvements
Property, Plant and Equipment [Line Items]
Gross premises and equipment	$ 2,376	$ 2,385

Other Assets (Details)

Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Servicing Assets at Fair Value [Line Items]
Right-of-use assets	$ 2,792
Servicing assets	2,026	$ 2,375	$ 1,800	$ 2,086
Prepaid expenses	969	1,061
Prepaid insurance	733	1,755
Unrealized gains on interest rate swap agreements	261	1,432
Net receivable due from SBA	127	151
Other	687	1,861
Total other assets	7,595	8,635
Unrealized gains on interest rate swap agreements
Servicing Assets at Fair Value [Line Items]
Servicing assets	920	1,024
Mortgage servicing asset
Servicing Assets at Fair Value [Line Items]
Servicing assets	$ 1,106	$ 1,351

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deposits [Abstract]
Time deposits, $250,000 and over	$ 82,553	$ 56,847

Deposits - Schedule of Deposits

Deposits - Schedule of Deposits by Time Remaining on Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deposits [Abstract]
Less than $100,000, Three months or less	$ 40,789	$ 16,758
Less than $100,000, More than three months through six months	14,207	23,851
Less than $100,000, More than six months through twelve months	59,338	42,365
Less than $100,000, More than 12 months	81,112	101,048
Less than $100,000, Total	195,446	184,022
$100,000 or more, Three months or less	31,799	35,085
$100,000 or more, More than three months through six months	17,633	34,674
$100,000 or more, More than six months through twelve months	72,444	28,717
$100,000 or more, More than twelve months	86,869	74,518
$100,000 or more, Total	$ 208,745	$ 172,994

Deposits - Schedule of Certific

Deposits - Schedule of Certificates of Deposits by Year of Maturity (Details) $ in Thousands	Dec. 31, 2019USD ($)
Deposits [Abstract]
2020	$ 236,210
2021	142,731
2022	17,215
2023	3,890
2024	3,777
Thereafter	368
Total	$ 404,191

Borrowed Funds and Subordinat_3

Borrowed Funds and Subordinated Debentures - Schedule of Debt (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Long-term Debt	$ 293,310
FHLB borrowings and repurchase agreements:
Debt Instrument [Line Items]
Borrowed funds at December 31	283,000	$ 210,000	$ 260,000
Year-to-date average	103,201	121,970	110,420
Maximum outstanding	$ 283,000	$ 238,000	$ 260,000
Rate at December 31	1.74%	2.31%	1.59%
Long-term Debt	$ 283,000
Rate year-to-date average	1.85%	1.78%	1.75%
Repurchase agreements:
Debt Instrument [Line Items]
Year-to-date average	$ 0	$ 2,384	$ 15,000
Maximum outstanding	$ 0	$ 15,000	$ 15,000
Rate at December 31	0.00%	0.00%	3.67%
Long-term Debt	$ 0	$ 0	$ 15,000
Rate year-to-date average	0.00%	3.67%	3.67%
Subordinated debentures:
Debt Instrument [Line Items]
Year-to-date average	$ 10,310	$ 10,310	$ 10,310
Maximum outstanding	$ 10,310	$ 10,310	$ 10,310
Rate at December 31	3.33%	2.40%	2.40%
Long-term Debt	$ 10,310	$ 10,310	$ 10,310
Rate year-to-date average	3.50%	2.40%	2.40%

Borrowed Funds and Subordinat_4

Borrowed Funds and Subordinated Debentures - Scheduled Maturities of Term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
2020	$ 283,000
2021	0
2022	0
2023	0
2024	40,000
Thereafter	10,310
Total	293,310
FHLB borrowings and repurchase agreements:
Debt Instrument [Line Items]
2020	243,000
2021	0
2022	0
2023	0
2024	40,000
Thereafter	0
Total	283,000
Subordinated debentures
Debt Instrument [Line Items]
2020	0
2021	0
2022	0
2023	0
2024	0
Thereafter	10,310
Total	$ 10,310	$ 10,310	$ 10,310

Borrowed Funds and Subordinat_5

Borrowed Funds and Subordinated Debentures - Narrative (Details)	Dec. 09, 2019USD ($)	Aug. 16, 2017USD ($)	Jul. 05, 2017USD ($)	Dec. 31, 2019USD ($)loan	Aug. 22, 2019USD ($)	Dec. 31, 2018USD ($)loan
Debt Instrument [Line Items]
Interest rate	1.755%	1.243%			1.81%
Subordinated Debentures Subject to Mandatory Redemption
Debt Instrument [Line Items]
Maximum period to defer interest payment without default				5 years
FHLB Overnight Line of Credit
Debt Instrument [Line Items]
FHLB advances, maximum amount available				$ 193,000,000		$ 160,000,000
Interest rate				1.81%
1.810% Due August 22, 2024 | FHLB Advance
Debt Instrument [Line Items]
FHLB amount of advances				$ 40,000,000	$ 40,000,000
Two 20 Million Advances | FHLB Advance
Debt Instrument [Line Items]
Number of FHLB advances | loan				2
FHLB amount of advances				$ 20,000,000
Six 10 Million Advances | FHLB Advance
Debt Instrument [Line Items]
Number of FHLB advances | loan				1		1
FHLB amount of advances				$ 10,000,000		$ 10,000,000
One 20 Million Advance | FHLB Advance
Debt Instrument [Line Items]
Number of FHLB advances | loan						2
FHLB amount of advances						$ 20,000,000
1.810% Due January 2, 2020 | FHLB Overnight Line of Credit
Debt Instrument [Line Items]
FHLB advances, maximum amount available				$ 193,000,000
1.730% Advance Due June 7, 2018 | FHLB Advance
Debt Instrument [Line Items]
FHLB amount of advances	$ 20,000,000
1.730% Advance Due June 7, 2018 | LIBOR | FHLB Advance
Debt Instrument [Line Items]
Debt instrument basis spread on variable rate	2.50%
1.103% Advance Due February 16, 2018 | FHLB Advance
Debt Instrument [Line Items]
FHLB amount of advances		$ 10,000,000
1.103% Advance Due February 16, 2018 | LIBOR | FHLB Advance
Debt Instrument [Line Items]
Debt instrument basis spread on variable rate		14.00%
1.048% Advance Due January 5, 2018 | FHLB Advance
Debt Instrument [Line Items]
FHLB amount of advances			$ 20,000,000
Interest rate			1.198%
1.048% Advance Due January 5, 2018 | LIBOR | FHLB Advance
Debt Instrument [Line Items]
Debt instrument basis spread on variable rate			15000.00%

Borrowed Funds and Subordinat_6

Borrowed Funds and Subordinated Debentures - Subordinated Debentures (Details) - USD ($)	Jul. 24, 2006	Dec. 31, 2019	Dec. 09, 2019	Aug. 22, 2019	Jul. 05, 2019	Dec. 31, 2018	Aug. 16, 2017
Debt Instrument [Line Items]
Subordinated debentures		$ 10,310,000				$ 10,310,000
Interest rate			1.755%	1.81%			1.243%
Estimated fair value	$ 465,000	$ 310,000				$ 310,000
Subordinated Debenture July 24, 2006
Debt Instrument [Line Items]
Subordinated debentures	$ 10,000,000
Interest rate at period end		3.518%				4.414%
Interest rate		2.475%
Subordinated Debenture July 5, 2019
Debt Instrument [Line Items]
Interest rate					3.435%
LIBOR | Subordinated Debenture July 24, 2006
Debt Instrument [Line Items]
Debt instrument basis spread on variable rate	159.00%

Borrowed Funds and Subordinat_7

Borrowed Funds and Subordinated Debentures - Summary of Interest Rate Swaps (Details) - Interest Rate Swap	Feb. 16, 2019USD ($)	Dec. 31, 2019USD ($)contract	Dec. 31, 2018USD ($)contract	Jul. 05, 2019USD ($)
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount		$ 60,000,000	$ 60,000,000	$ 10,000,000
Derivative instrument, maturity	$ 10,000,000
Fair value		$ 238,000	$ 1,433,000
Weighted average pay rate		1.42%	1.26%
Weighted average receive rate		2.19%	1.88%
Weighted average maturity in years		1 year 3 months 1 day	2 years 4 months 10 days
Number of contracts | contract		4	4
(Decrease) increase in the fair value of interest rate swaps	$ (27,000)	$ (1,195,000)	$ 25,000

Leases and Commitments - Narrat

Leases and Commitments - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Other Commitments [Line Items]
Operating lease right-of-use assets	$ 2,792
Lease liabilities	2,824	$ 0
Commitments to Extend Credit
Other Commitments [Line Items]
Reserve for commitments	272,800	289,900
Commitments expire within one year	119,200	181,900
Standby Letters of Credit
Other Commitments [Line Items]
Reserve for commitments	$ 4,800	$ 5,700
Minimum
Other Commitments [Line Items]
Operating lease, remaining contract term	1 year
Operating Lease renewal term	1 year
Maximum
Other Commitments [Line Items]
Operating lease, remaining contract term	10 years
Operating Lease renewal term	5 years

Leases and Commitments - Lease

Leases and Commitments - Lease Cost (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Commitments and Contingencies Disclosure [Abstract]
Operating lease cost	$ 589
Net lease cost	589
Operating cash flows from operating leases	557
ROU assets obtained in exchange for new operating lease liabilities	$ 3,295
Weighted average remaining lease term in years	6 years 9 months 5 days
Weighted average discount rate	5.47%
Operating lease right-of-use assets	$ 2,792

Leases and Commitments - Maturi

Leases and Commitments - Maturity of Remaning Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
2020	$ 558
2021	530
2022	478
2023	413
2024	366
2025 and thereafter	1,045
Total lease payments	3,390
Less: Interest	(566)
Present value of lease liabilities	$ 2,824	$ 0

Other Liabilities (Details)

Other Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Other Liabilities Disclosure [Abstract]
Accrued expenses	$ 7,372	$ 5,018
Lease liabilities	2,824	0
Deferred compensation	1,804	1,332
Loan expense advances	993	1,160
Reserve for commitments	273	290
Other liabilities	1,088	4,466
Total other liabilities	$ 14,354	$ 12,266

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	$ 138,488	$ 118,105	$ 106,291
Other comprehensive income (loss) before reclassifications	470	(383)	36
Less amounts reclassified from accumulated other comprehensive income (loss)	159	(55)	(10)
Period change	311	(328)	46
Ending balance	160,709	138,488	118,105
Net unrealized (losses) gains on securities
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(721)	(335)	(161)
Other comprehensive income (loss) before reclassifications	1,332	(531)	(134)
Less amounts reclassified from accumulated other comprehensive income (loss)	295	(145)	40
Period change	1,037	(386)	(174)
Ending balance	316	(721)	(335)
Adjustments related to defined benefit plan
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(431)	(341)	(391)
Other comprehensive income (loss) before reclassifications	0	0	0
Less amounts reclassified from accumulated other comprehensive income (loss)	(136)	90	(50)
Period change	136	(90)	50
Ending balance	(295)	(431)	(341)
Net unrealized gains (losses) from cash flow hedges
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	1,030	882	712
Other comprehensive income (loss) before reclassifications	(862)	148	170
Less amounts reclassified from accumulated other comprehensive income (loss)	0	0	0
Period change	(862)	148	170
Ending balance	168	1,030	882
Accumulated other comprehensive (loss) income
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(157)	206	160
Period change	311	(328)	46
Ending balance	154	(157)	$ 206
Accounting Standards Update 2016-01 and 2018-02
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Reclassification to unappropriated retained earnings	35
Accounting Standards Update 2016-01 and 2018-02 | Accumulated other comprehensive (loss) income
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(122)
Ending balance	$ 189	$ (122)

Shareholders' Equity - Narrativ

Shareholders' Equity - Narrative (Details) - USD ($) shares in Thousands, $ in Thousands		3 Months Ended												12 Months Ended
		Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jul. 16, 2019	Dec. 31, 2016
Equity [Abstract]
Stockholders' equity increase														$ 22,200
Shareholders' equity		$ 160,709				$ 138,488				$ 118,105				160,709	$ 138,488	$ 118,105		$ 106,291
Net income		$ 6,120	$ 5,959	$ 5,834	$ 5,740	$ 5,803	$ 5,490	$ 5,397	$ 5,229	$ 2,500	$ 3,757	$ 3,444	$ 3,192	23,653	21,919	12,893
Dividends on common stock														3,255	2,802	2,380
Common stock issued and related tax effects	[1]													1,512	1,595	1,255
Accumulated other comprehensive income														$ 311	$ (328)	$ 46
Total shares repurchased (in shares)																	525
Maximum percentage of outstanding common stock authorized for repurchase																	5.00%
[1]	(1) Includes the issuance of common stock under employee benefit plans, which includes nonqualified stock options and restricted stock expense related entries, employee option exercises and the tax benefit of options exercised.

Other Income (Details)

Other Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Component of Operating Income [Abstract]
ATM and check card fees	$ 832	$ 760	$ 721
Wire transfer fees	170	134	104
Safe deposit box fees	90	91	92
Other	254	222	191
Total other income	$ 1,346	$ 1,207	$ 1,108

Other Expenses (Details)

Other Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other Expenses [Abstract]
Travel, entertainment, training and recruiting	$ 871	$ 806	$ 761
Insurance	325	336	347
Stationery and supplies	214	228	249
Retail losses	86	60	37
Other	381	352	489
Total other expenses	$ 1,877	$ 1,782	$ 1,883

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Income Tax Contingency [Line Items]
Tax Cuts And Jobs Act Of 2017, incomplete accounting, change in tax rate deferred tax asset, provisional income tax expense	$ 1,700
Valuation Allowance	140	$ 214
Unrealized gain (loss) related to securities available for sale	280	(757)
Unrealized loss related to SERP	295	431
Unrealized gain (loss) related to interest rate swap	168	1,000
State and Local Jurisdiction
Income Tax Contingency [Line Items]
Operating Loss Carryforwards	$ 2,000	$ 3,000

Income Taxes - Schedule of Comp

Income Taxes - Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Federal - current provision	$ 5,478	$ 5,507	$ 7,003
Federal - deferred (benefit) provision	(285)	(799)	1,702
Total federal provision	5,193	4,708	8,705
State - current provision	1,483	1,143	991
State - deferred (benefit)	(14)	(463)	(156)
Total state provision	1,469	680	835
Provision for income taxes	$ 6,662	$ 5,388	$ 9,540

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Federal income tax provision at statutory rate	$ 6,366	$ 5,734	$ 7,852
Stock option and restricted stock	(185)	(434)	(428)
Bank owned life insurance	(123)	(205)	(164)
Tax-exempt interest	(22)	(25)	(56)
Meals and entertainment	19	19	22
Captive insurance premium	(209)	(200)	(295)
State income taxes, net of federal income tax effect	1,161	538	543
Impact of rate change on deferred tax assets	0	0	1,733
Other, net	(345)	(39)	333
Provision for income taxes	$ 6,662	$ 5,388	$ 9,540
Effective tax rate	22.00%	19.70%	42.50%

Income Taxes - Schedule of Defe

Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Allowance for loan losses	$ 4,605	$ 4,476
SERP	1,006	790
Stock-based compensation	719	561
Deferred compensation	533	385
Net unrealized security losses	0	292
Depreciation	159	231
State net operating loss	140	214
EVP retirement plan	133	130
Commitment reserve	77	84
Other	212	238
Gross deferred tax assets	7,584	7,401
Valuation allowance	(140)	(214)
Total deferred tax assets	7,444	7,187
Deferred tax liabilities:
Deferred loan costs	451	414
Goodwill	400	382
Prepaid insurance	354	324
Deferred servicing fees	311	243
Net unrealized security gains	111	0
Bond accretion	73	72
Interest rate swaps	69	402
Other	116	0
Total deferred tax liabilities	1,885	1,837
Net deferred tax asset	$ 5,559	$ 5,350

Net Income per Share (Details)

Net Income per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Earnings Per Share [Abstract]
Net income	$ 6,120	$ 5,959	$ 5,834	$ 5,740	$ 5,803	$ 5,490	$ 5,397	$ 5,229	$ 2,500	$ 3,757	$ 3,444	$ 3,192	$ 23,653	$ 21,919	$ 12,893
Weighted average common shares outstanding - Basic (in shares)													10,845	10,726	10,558
Plus: Potential dilutive common stock equivalents (in shares)													184	190	191
Weighted average common shares outstanding - Diluted (in shares)													11,029	10,916	10,749
Net income per common share - Basic (in dollars per share)	$ 0.56	$ 0.55	$ 0.54	$ 0.53	$ 0.54	$ 0.51	$ 0.50	$ 0.49	$ 0.23	$ 0.36	$ 0.33	$ 0.30	$ 2.18	$ 2.04	$ 1.22
Net income per common share - Diluted (in dollars per share)	$ 0.55	$ 0.54	$ 0.53	$ 0.52	$ 0.53	$ 0.50	$ 0.49	$ 0.48	$ 0.23	$ 0.35	$ 0.32	$ 0.30	$ 2.14	$ 2.01	$ 1.20
Stock options and common stock excluded from the income per share calculation as their effect would have been anti-dilutive (in shares)													243	109	71

Regulatory Capital (Details)

Regulatory Capital (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2019	Jan. 01, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Leverage ratio	10.59%	9.90%
CET1	11.59%	11.40%
Tier I risk-based capital ratio	12.32%	12.24%
Total risk--based capital ratio	13.06%	13.49%
Leverage ratio, Required for capital adequacy purposes effective			4.00%	4.00%
CET1, Required for capital adequacy purposes effective			7.00%	6.375%
Tier I risk-based capital ratio, Required for capital adequacy purposes effective			8.50%	7.875%
Total risk-based capital ratio, Required for capital adequacy purposes effective			10.50%	9.875%
Capital conservation buffer	1.25%	1.875%
Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Leverage ratio	10.15%	9.52%
CET1	11.81%	11.80%
Tier I risk-based capital ratio	11.81%	11.80%
Total risk--based capital ratio	12.58%	13.05%
Leverage ratio, To be well-capitalized under prompt corrective action regulations	5.00%	5.00%
CET1, To be well-capitalized under prompt corrective action regulations	6.50%	6.50%
Tier I risk-based capital ratio, To be well-capitalized under prompt corrective action regulations	8.00%	8.00%
Total risk-based capital ratio, To be well-capitalized under prompt corrective action regulations	10.00%	10.00%

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted (in shares)	96,000	203,000	47,100
Defined contribution plan, maximum annual contributions per employee, percent	80.00%
Employer, contribution	$ 648	$ 601	$ 492
Deferred fees	379	297	149
Interest paid on deferred fees	107	67	44
Deferred compensation arrangement with individual, distributions paid	$ 14	$ 14	$ 8
Director
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Deferred compensation arrangement, option to elect to defer fees and bonuses, percentage	100.00%
Executive Management
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Deferred compensation arrangement, option to elect to defer fees and bonuses, percentage	100.00%
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Award expiration period	10 years
Options granted (in shares)	96,000	203,000	47,100
Compensation cost not yet recognized	$ 1,100
Compensation cost not yet recognized, weighted average period	2 years
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Granted (in shares)	46,050	47,550	38,400
Compensation cost not yet recognized	$ 1,600
Compensation cost not yet recognized, weighted average period	2 years 8 months 12 days
Other Postretirement Benefits Plan | Executive Management
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting rights, percentage	100.00%
Accrued employee benefits	$ 115	$ 88	$ 90
Life settlement contracts, fair value	250
Life settlement contracts, expense	$ 5	$ 18	$ 5
2019 Equity Compensation Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	500,000
Number of shares available for grant (in shares)	443,100
2019 Equity Compensation Plan | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted (in shares)	41,000
Granted (in shares)	15,900

Employee Benefit Plans - Transa

Employee Benefit Plans - Transactions Under the Company's Stock Option Plans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Shares
Options Outstanding, beginning shares (in shares)	584,178	504,573	552,759
Options granted (in shares)	96,000	203,000	47,100
Options exercised (in shares)	(60,534)	(115,962)	(94,679)
Options forfeited (in shares)	(5,333)	(7,433)	0
Options expired (in shares)	0	0	(607)
Options Outstanding, ending shares (in shares)	614,311	584,178	504,573	552,759
Options Exercisable: Shares Exercisable (in shares)	372,794
Weighted average exercise price
Weighted Average exercise Price: Options Outstanding, beginning (in usd per share)	$ 13	$ 8.31	$ 7.26
Weighted Average Exercise Price: Options granted (in usd per share)	21.31	20.15	16.37
Weighted Average Exercise Price: Options exercised (in usd per share)	7.49	4.97	6.19
Weighted Average Exercise Price: Options forfeited (in usd per share)	19.38	15.47	0
Weighted Average Exercise Price: Options expired (in usd per share)	0	0	11.48
Weighted Average exercise Price: Options Outstanding, ending (in usd per share)	14.78	$ 13	$ 8.31	$ 7.26
Weighted Average Exercise Price: Options Exercisable (in usd per share)	$ 11.16
Weighted Average Remaining Contractual Life (in years): Options Outstanding	6 years 10 months 24 days	7 years 1 month 6 days	5 years 8 months 12 days	5 years 8 months 12 days
Weighted Average Remaining Contractual Life (in years): Options Exercisable	5 years 7 months 6 days
Aggregate Intrinsic Value: Options Outstanding	$ 4,783,402	$ 4,574,680	$ 5,772,843	$ 4,663,432
Aggregate Intrinsic Value: Options Exercisable	$ 4,254,086

Employee Benefit Plans - Fair V

Employee Benefit Plans - Fair Value Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted (in shares)	96,000	203,000	47,100
Weighted Average Exercise Price: Options granted (in usd per share)	$ 21.31	$ 20.15	$ 16.37
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted (in shares)	96,000	203,000	47,100
Weighted Average Exercise Price: Options granted (in usd per share)	$ 21.31	$ 20.15	$ 16.37
Weighted average fair value of options (in usd per share)	$ 6.20	$ 6.04	$ 4.64
Expected life in years	8 years 2 months 23 days	7 years 2 months 1 day	6 years 6 months 26 days
Expected volatility	27.05%	26.60%	28.12%
Risk-free interest rate	2.21%	2.61%	2.18%
Dividend yield	1.37%	1.23%	1.15%

Employee Benefit Plans - Schedu

Employee Benefit Plans - Schedule of Information About Options Exercised (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Employee Benefits and Share-based Compensation, Noncash [Abstract]
Number of options exercised (in shares)	60,534	115,962	94,679
Total intrinsic value of options exercised	$ 792,446	$ 1,949,853	$ 1,073,474
Cash received from options exercised	453,326	576,119	509,047
Tax deduction realized from options exercised	$ 238,407	$ 548,104	$ 438,514

Employee Benefit Plans - Sche_2

Employee Benefit Plans - Schedule of Stock Options, by Exercise Price Range (Details)	12 Months Ended
	Dec. 31, 2019$ / sharesshares
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Options outstanding (in shares) | shares	614,311
Options outstanding, Weighted average remaining contractual life (in years)	6 years 10 months 24 days
Options outstanding, Weighted average exercise price (in dollars per share)	$ 14.78
Options exercisable (in shares) | shares	372,794
Options exercisable, Weighted average exercise price (in dollars per share)	$ 11.16
$0.00 - $6.00
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Options outstanding (in shares) | shares	61,761
Options outstanding, Weighted average remaining contractual life (in years)	2 years 8 months 12 days
Options outstanding, Weighted average exercise price (in dollars per share)	$ 5.60
Options exercisable (in shares) | shares	61,761
Options exercisable, Weighted average exercise price (in dollars per share)	$ 5.60
$0.00 - $6.00 | Minimum
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, lower	0
$0.00 - $6.00 | Maximum
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, upper	$ 6
$6.01 - $12.00
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Options outstanding (in shares) | shares	193,517
Options outstanding, Weighted average remaining contractual life (in years)	5 years 2 months 12 days
Options outstanding, Weighted average exercise price (in dollars per share)	$ 8.70
Options exercisable (in shares) | shares	193,517
Options exercisable, Weighted average exercise price (in dollars per share)	$ 8.70
$6.01 - $12.00 | Minimum
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, lower	6.01
$6.01 - $12.00 | Maximum
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, upper	$ 12
$12.01 - $18.00
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Options outstanding (in shares) | shares	67,533
Options outstanding, Weighted average remaining contractual life (in years)	7 years 1 month 6 days
Options outstanding, Weighted average exercise price (in dollars per share)	$ 15.78
Options exercisable (in shares) | shares	52,336
Options exercisable, Weighted average exercise price (in dollars per share)	$ 15.60
$12.01 - $18.00 | Minimum
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, lower	12.01
$12.01 - $18.00 | Maximum
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, upper	$ 18
$18.01 - $24.00
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Options outstanding (in shares) | shares	291,500
Options outstanding, Weighted average remaining contractual life (in years)	8 years 9 months 18 days
Options outstanding, Weighted average exercise price (in dollars per share)	$ 20.54
Options exercisable (in shares) | shares	65,180
Options exercisable, Weighted average exercise price (in dollars per share)	$ 20.16
$18.01 - $24.00 | Minimum
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, lower	18.01
$18.01 - $24.00 | Maximum
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise prices, upper	$ 24

Employee Benefit Plans - Alloca

Employee Benefit Plans - Allocation of Share-based Compensation Costs (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 606,626	$ 478,733	$ 283,823
Income tax benefit	175,315	134,572	115,942
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	664,484	574,236	462,470
Income tax benefit	$ 192,036	$ 161,418	$ 188,919

Employee Benefit Plans - Tran_2

Employee Benefit Plans - Transactions Under the Restricted Stock Plan (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Shares
Nonvested restricted stock, beginning balance (in shares)	105,312
Granted (in shares)	46,050	47,550	38,400
Canceled (in shares)	(1,557)
Vested (in shares)	(41,065)
Nonvested restricted stock, ending balance (in shares)	108,740	105,312
Average grant date fair value
Nonvested restricted stock, beginning balance (in dollars per share)	$ 16.55
Granted (in dollars per share)	20.84	$ 20.77	$ 16.36
Vested (in dollars per share)	14.40
Canceled (in dollars per share)	16.78
Nonvested restricted stock, ending balance (in dollars per share)	$ 19.18	$ 16.55

Employee Benefit Plans - Restri

Employee Benefit Plans - Restricted Stock Awards Activity (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted (in shares)	46,050	47,550	38,400
Average grant date fair value (in usd per share)	$ 20.84	$ 20.77	$ 16.36

Employee Benefit Plans - SERP N

Employee Benefit Plans - SERP Narrative (Details) $ in Thousands	Jan. 01, 2014	Sep. 30, 2017	Dec. 31, 2019USD ($)payment	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Defined Benefit Plan Disclosure [Line Items]
Benefit obligation			$ 3,571	$ 2,747	$ 1,187	$ 1,023
President and CEO | SERP
Defined Benefit Plan Disclosure [Line Items]
Percent of average executive base salary			60.00%
Payment term after separation			36 months
Percent of average executive base salary, adjustment thereafter			2.00%
Number of annual payments after separation | payment			15
Total estimated future payments			$ 6,600
Assumptions used calculating benefit obligation, discount rate			4.00%
Annual vesting percentage	3.00%
Award vesting rights, percentage		100.00%

Employee Benefit Plans - Summar

Employee Benefit Plans - Summary of Components of Net Periodic Pension Cost of Defined Benefit Plan Recognized (Details) - USD ($) $ in Thousands	Sep. 27, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Employee Benefits and Share-based Compensation, Noncash [Abstract]
Service cost		$ 689	$ 1,460	$ 121
Interest cost		135	101	43
Amortization of prior service cost		83	83	83
Net periodic benefit cost		$ 907	$ 1,644	$ 247
Defined Benefit Plan, Prior Period Expense	$ 1,100

Employee Benefit Plans - Summ_2

Employee Benefit Plans - Summary of Changes in Benefit Obligations of Defined Benefit Plan Recognized (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Employee Benefits and Share-based Compensation, Noncash [Abstract]
Benefit obligation, beginning of year	$ 2,747	$ 1,187	$ 1,023
Service cost	689	1,460	121
Interest cost	135	101	43
Benefit obligation, end of year	$ 3,571	$ 2,747	$ 1,187

Employee Benefit Plans - Execut

Employee Benefit Plans - Executive Incentive Retirement Plan (Details) - Executive Management - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Deferred compensation arrangement, option to elect to defer fees and bonuses, percentage	100.00%
Deferred Compensation Arrangement with Individual, by Type of Compensation, Pension and Other Postretirement Benefits
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Deferred compensation arrangement, option to elect to defer fees and bonuses, percentage	7.50%
Deferred compensation, discretionary contribution percentage of base salary	7.50%
Deferred compensation, maximum percentage per year	15.00%
Other Postretirement Benefits Plan
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Accrued employee benefits	$ 115	$ 88	$ 90

Fair Value - Fair Value on a Re

Fair Value - Fair Value on a Recurring Basis (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 64,275	$ 46,713
Percentage of portfolio in residential mortgage backed securities	44.00%
Residential mortgage backed securities guaranteed by Government National Mortgage Association or Federal National Mortgage Association or Federal Home Loan Mortgage Corporation	$ 28,000
Estimated fair value	2,289	2,144
Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 27,964	$ 26,613

Fair Value - Fair Value on a _2

Fair Value - Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 64,275	$ 46,713
Securities available-for-sale, including equity securities		46,713
Estimated fair value	2,289	2,144
Loans held for sale	14,862	12,177
Interest rate swap agreements	238	1,433
U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	5,753	5,642
State and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	5,154	4,498
Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	27,964	26,613
Corporate and other securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	25,404	9,960
Securities available-for-sale, including equity securities		9,960
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0
Securities available-for-sale, including equity securities		0
Estimated fair value	0	0
Loans held for sale	0	0
Interest rate swap agreements	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | State and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate and other securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0
Securities available-for-sale, including equity securities		0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	64,275
Securities available-for-sale, including equity securities		46,713
Estimated fair value	2,289	2,144
Loans held for sale	14,862	12,177
Interest rate swap agreements	238	1,433
Significant Other Observable Inputs (Level 2) | U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	5,753	5,642
Significant Other Observable Inputs (Level 2) | State and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	5,154	4,498
Significant Other Observable Inputs (Level 2) | Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	27,964	26,613
Significant Other Observable Inputs (Level 2) | Corporate and other securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	25,404
Securities available-for-sale, including equity securities		9,960
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0
Securities available-for-sale, including equity securities		0
Estimated fair value	0	0
Loans held for sale	0	0
Interest rate swap agreements	0	0
Significant Unobservable Inputs (Level 3) | U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | State and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Residential mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Corporate and other securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 0
Securities available-for-sale, including equity securities		$ 0

Fair Value - Fair Value on a No

Fair Value - Fair Value on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO	$ 1,723	$ 56
Impaired collateral-dependent loans	1,925	2,625
OREO, Net (Credit) Provision During Period	(231)	(196)
Impaired collateral-dependent loans, Net (Credit) Provision During Period	(253)	(335)
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO	0	0
Impaired collateral-dependent loans	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO	0	0
Impaired collateral-dependent loans	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO	1,723	56
Impaired collateral-dependent loans	$ 1,925	$ 2,625

Fair Value - Fair Value on a _3

Fair Value - Fair Value on a Nonrecurring Basis (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired financing receivable, related allowance	$ 414	$ 667
Decrease in valuation allowance for impaired loans	253
Letters of Credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Standby letter of credit	$ 4,800	$ 5,700

Fair Value - Fair Value of Fina

Fair Value - Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	$ 0	$ 14,802
SBA loans held for sale	14,862	12,177
Servicing assets	2,026	2,375	$ 1,800	$ 2,086
Accrued interest receivable	6,984	6,399
Accrued interest payable	455	406
Impaired collateral-dependent loans	1,925	2,625
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
SBA loans held for sale	0	0
Impaired collateral-dependent loans	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
SBA loans held for sale	14,862	12,177
Impaired collateral-dependent loans	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
SBA loans held for sale	0	0
Impaired collateral-dependent loans	1,925	2,625
Commercial mortgage-backed securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	0	3,432
Carrying amount | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	158,016	145,515
Carrying amount | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	66,564	63,732
SBA loans held for sale	13,529	11,171
Loans, net of allowance for loan losses	1,395,634	1,277,907
Federal Home Loan Bank stock	14,184	10,795
Accrued interest receivable	6,984	6,399
Deposits	1,250,114	1,207,687
Borrowed funds and subordinated debentures	293,310	220,310
Accrued interest payable	455	406
Carrying amount | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Servicing assets	2,026	2,375
OREO	1,723	56
Carrying amount | Commercial mortgage-backed securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	3,600
Carrying amount | Corporate Bond Securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	6,200
Carrying amount | Corporate Bond Securities | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value		1,000
Estimated fair value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	158,016	145,515
Estimated fair value | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	66,564	63,600
SBA loans held for sale	14,862	12,177
Loans, net of allowance for loan losses	1,398,997	1,268,909
Federal Home Loan Bank stock	14,184	10,795
Accrued interest receivable	6,984	6,399
Deposits	1,252,082	1,204,731
Borrowed funds and subordinated debentures	292,766	218,879
Accrued interest payable	455	406
Estimated fair value | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Servicing assets	2,026	2,375
OREO	1,723	56
Estimated fair value | Commercial mortgage-backed securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	3,400
Estimated fair value | Corporate Bond Securities | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	1,000	$ 1,000
Estimated fair value | Corporate Bond Securities | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated fair value	$ 1,000

Condensed Financial Statement_3

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and cash equivalents	$ 158,016	$ 145,515
Equity securities	2,289	2,144
Premises and equipment, net	21,315	23,371
Prepaid expenses and other assets	7,595	8,635
Total assets	1,718,942	1,579,157
LIABILITIES AND SHAREHOLDERS' EQUITY
Other liabilities	14,354	12,266
Subordinated debentures	10,310	10,310
Shareholders' equity	160,709	138,488	$ 118,105	$ 106,291
Total liabilities and shareholders' equity	1,718,942	1,579,157
Parent Company Only
ASSETS
Cash and cash equivalents	2,308	1,209
Equity securities	1,355	1,239
Investment in subsidiaries	164,881	143,487
Premises and equipment, net	3,849	3,893
Prepaid expenses and other assets	967	1,372
Total assets	173,360	151,200
LIABILITIES AND SHAREHOLDERS' EQUITY
Loan due to subsidiary bank	2,304	2,396
Other liabilities	37	6
Subordinated debentures	10,310	10,310
Shareholders' equity	160,709	138,488
Total liabilities and shareholders' equity	$ 173,360	$ 151,200

Condensed Financial Statement_4

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) - Condensed Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Condensed Financial Statements, Captions [Line Items]
Dividend from Bank	$ 19,312	$ 19,055	$ 18,781	$ 18,500	$ 18,060	$ 17,194	$ 16,369	$ 15,640	$ 15,044	$ 14,195	$ 13,477	$ 12,594	$ 75,648	$ 67,263	$ 55,310
Gain on sales of securities													373	(199)	62
Other income													1,346	1,207	1,108
Total noninterest income	2,398	2,710	2,411	2,020	1,954	2,479	2,312	2,286	2,037	2,008	2,021	2,204	9,539	9,031	8,270
Interest expenses	4,549	4,651	4,571	4,284	3,896	3,627	3,225	2,768	2,544	2,378	2,327	2,204	18,055	13,516	9,453
Market value (appreciation) write-downs on equity securities													(321)	195
Other expenses													1,877	1,782	1,883
Benefit (provision) for income taxes	1,820	1,676	1,646	1,520	1,547	1,255	1,351	1,235	3,908	2,014	1,906	1,712
Net income	$ 6,120	$ 5,959	$ 5,834	$ 5,740	$ 5,803	$ 5,490	$ 5,397	$ 5,229	$ 2,500	$ 3,757	$ 3,444	$ 3,192	23,653	21,919	12,893
Parent Company Only
Condensed Financial Statements, Captions [Line Items]
Dividend from Bank													3,300	2,890	2,452
Gain on sales of securities													17	0	0
Other income													454	425	413
Total noninterest income													3,771	3,315	2,865
Interest expenses													366	251	251
Market value (appreciation) write-downs on equity securities													(293)	171	0
Other expenses													251	261	251
Total expenses													324	683	502
Income before provision for income taxes and equity in undistributed net income of subsidiary													3,447	2,632	2,363
Benefit (provision) for income taxes													78	(14)	(15)
Income before equity in undistributed net income of subsidiary													3,369	2,646	2,378
Equity in undistributed net income of subsidiary													20,284	19,273	10,515
Net income													$ 23,653	$ 21,919	$ 12,893

Condensed Financial Statement_5

Condensed Financial Statements of Unity Bancorp, Inc. (Parent Company Only) - Condensed Statements of Cash Flows (Details) - USD ($)	3 Months Ended												12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
OPERATING ACTIVITIES:
Net income	$ 6,120,000	$ 5,959,000	$ 5,834,000	$ 5,740,000	$ 5,803,000	$ 5,490,000	$ 5,397,000	$ 5,229,000	$ 2,500,000	$ 3,757,000	$ 3,444,000	$ 3,192,000	$ 23,653,000	$ 21,919,000	$ 12,893,000
Adjustments to reconcile net income to net cash provided by operating activities:
Gain on sales of securities													(373,000)	199,000	(62,000)
INVESTING ACTIVITIES
Purchase of land and building													(709,000)	(1,507,000)	(1,509,000)
Purchases of securities													0	(1,133,000)	0
FINANCING ACTIVITIES
Proceeds from exercise of stock options													453,326	576,119	509,047
Dividends on common stock													(3,255,000)	(2,802,000)	(2,380,000)
Increase (decrease) in cash and cash equivalents													12,501,000	(4,739,000)	44,359,000
Cash and cash equivalents, beginning of year				145,515,000				150,254,000				105,895,000	145,515,000	150,254,000	105,895,000
Cash and cash equivalents, end of year	158,016,000				145,515,000				150,254,000				158,016,000	145,515,000	150,254,000
Parent Company Only
OPERATING ACTIVITIES:
Net income													23,653,000	21,919,000	12,893,000
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiary													(20,284,000)	(19,273,000)	(10,515,000)
Gain on sales of securities													(17,000)	0	0
Net change in other assets and other liabilities													506,000	377,000	(81,000)
Net cash provided by operating activities													3,858,000	3,023,000	2,297,000
INVESTING ACTIVITIES
Purchase of land and building													(64,000)	0	(55,000)
Purchases of securities													0	(1,133,000)	(262,000)
Proceeds from sales of securities													198,000	0	0
Net cash provided by (used in) investing activities													134,000	(1,133,000)	(317,000)
FINANCING ACTIVITIES
Proceeds from exercise of stock options													453,000	576,000	509,000
Repayment of advances from subsidiaries													(91,000)	(87,000)	(83,000)
Dividends on common stock													(3,255,000)	(2,802,000)	(2,380,000)
Net cash used in financing activities													(2,893,000)	(2,313,000)	(1,954,000)
Increase (decrease) in cash and cash equivalents													1,099,000	(423,000)	26,000
Cash and cash equivalents, beginning of year				$ 1,209,000				$ 1,632,000				$ 1,606,000	1,209,000	1,632,000	1,606,000
Cash and cash equivalents, end of year	$ 2,308,000				$ 1,209,000				$ 1,632,000				2,308,000	1,209,000	1,632,000
SUPPLEMENTAL DISCLOSURES
Interest paid													$ 479,000	$ 368,000	$ 374,000

Quarterly Financial Informati_3

Quarterly Financial Information (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Information Disclosure [Abstract]
Total interest income	$ 19,312	$ 19,055	$ 18,781	$ 18,500	$ 18,060	$ 17,194	$ 16,369	$ 15,640	$ 15,044	$ 14,195	$ 13,477	$ 12,594	$ 75,648	$ 67,263	$ 55,310
Total interest expense	4,549	4,651	4,571	4,284	3,896	3,627	3,225	2,768	2,544	2,378	2,327	2,204	18,055	13,516	9,453
Net interest income	14,763	14,404	14,210	14,216	14,164	13,567	13,144	12,872	12,500	11,817	11,150	10,390	57,593	53,747	45,857
Provision for loan losses	500	750	350	500	500	500	550	500	500	500	400	250	2,100	2,050	1,650
Net interest income after provision for loan losses	14,263	13,654	13,860	13,716	13,664	13,067	12,594	12,372	12,000	11,317	10,750	10,140	55,493	51,697	44,207
Total noninterest income	2,398	2,710	2,411	2,020	1,954	2,479	2,312	2,286	2,037	2,008	2,021	2,204	9,539	9,031	8,270
Total noninterest expense	8,721	8,729	8,791	8,476	8,268	8,801	8,158	8,194	7,629	7,554	7,421	7,440	34,717	33,421	30,044
Income before provision for income taxes	7,940	7,635	7,480	7,260	7,350	6,745	6,748	6,464	6,408	5,771	5,350	4,904	30,315	27,307	22,433
Provision for income taxes	1,820	1,676	1,646	1,520	1,547	1,255	1,351	1,235	3,908	2,014	1,906	1,712
Net income	$ 6,120	$ 5,959	$ 5,834	$ 5,740	$ 5,803	$ 5,490	$ 5,397	$ 5,229	$ 2,500	$ 3,757	$ 3,444	$ 3,192	$ 23,653	$ 21,919	$ 12,893
Net income per common share - Basic (in dollars per share)	$ 0.56	$ 0.55	$ 0.54	$ 0.53	$ 0.54	$ 0.51	$ 0.50	$ 0.49	$ 0.23	$ 0.36	$ 0.33	$ 0.30	$ 2.18	$ 2.04	$ 1.22
Net income per common share - Diluted (in dollars per share)	$ 0.55	$ 0.54	$ 0.53	$ 0.52	$ 0.53	$ 0.50	$ 0.49	$ 0.48	$ 0.23	$ 0.35	$ 0.32	$ 0.30	$ 2.14	$ 2.01	$ 1.20

Uncategorized Items - unty-2019

Label	Element	Value
AOCI Attributable to Parent [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ (75,000)
Accounting Standards Update 2016-01 [Member] | AOCI Attributable to Parent [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ 40,000