Results of Operations and Financial Condition The Registrant issued a press release on October 13, 2026 announcing its financial condition and results of operations for the three and nine months ended September 30, 2026, the full text of which is incorporated by reference in this Item.

CEO — James A. Hughes: The CEO is retiring with a pre-announced, orderly internal succession plan naming a successor, which is not considered a sudden loss of leadership.

Regulation FD Disclosure On September 10, 2026, Unity Bancorp, Inc. (the "Company") purchased approximately $27.6 million of transferable federal investment tax credits pursuant to Section 6418 of the Internal Revenue Code. The Company purchased the credits for approximately $25.1 million, representing a purchase price of approximately $0.91 per dollar of tax credit. The Company intends to utilize the acquired tax credits primarily through a carry-back claim permitted under applicable federal…

Other Events The Registrant issued a press release on August 20, 2026, announcing the declaration of a cash dividend of $0.17 per common share payable on September 17, 2026, to shareholders of record as of September 3, 2026. The full text of the press release is filed as Exhibit 99.1 with this current report on Form 8-K and is hereby incorporated by reference in response to this item.

Director — Robert ('Bobby') H. Dallas II: The director passed away.

Results of Operations and Financial Condition The Registrant issued a press release on July 14, 2026 announcing results for the six months ended June 30, 2026, the full text of which is incorporated by reference to this Item.

Other Events ​ The Registrant issued a press release on May 21, 2026, announcing the declaration of a cash dividend of $0.16 per common share payable on June 18, 2026, to shareholders of record as of June 4, 2026. The full text of the press release is filed as Exhibit 99.1 with this current report on Form 8-K and is hereby incorporated by reference in response to this item. ​

Results of Operation and Financial Condition ​ The Registrant issued a press release on April 14, 2026 announcing results for the three months ended March 31, 2026, the full text of which is incorporated by reference to this Item. ​

Other Events ​ The Registrant issued a press release on February 26, 2026, announcing the declaration of a cash dividend of $0.16 per common share payable on March 20, 2026, to shareholders of record as of March 6, 2026. The full text of the press release is filed as Exhibit 99.1 with this current report on Form 8-K and is hereby incorporated by reference in response to this item. ​

Results of Operation and Financial Condition ​ The Registrant issued a press release on January 13, 2026 announcing results for the three months and twelve months ended December 31, 2025, the full text of which is incorporated by reference to this Item. ​

The amendment modifies the interest payable to Plan participants and their beneficiaries under the Deferred Compensation Plan.

President — George Boyan: George Boyan was promoted to President and appointed to the Boards of Directors.

Other Events ​ The Registrant issued a press release on November 20, 2025, announcing the declaration of a cash dividend of $0.15 per common share payable on December 19, 2025, to shareholders of record as of December 5, 2025. The full text of the press release is filed as Exhibit 99.1 with this current report on Form 8-K and is hereby incorporated by reference in response to this item. ​

Results of Operation and Financial Condition ​ The Registrant issued a press release on October 14, 2025 announcing results for the three months and nine months ended September 30, 2025, the full text of which is incorporated by reference to this Item. ​

Other Events ​ The Registrant issued a press release on August 21, 2025, announcing the declaration of a cash dividend of $0.15 per common share payable on September 19, 2025, to shareholders of record as of September 5, 2025. The full text of the press release is filed as Exhibit 99.1 with this current report on Form 8-K and is hereby incorporated by reference in response to this item. ​

Results of Operation and Financial Condition ​ The Registrant issued a press release on July 15, 2025 announcing results for the three months and six months ended June 30, 2025, the full text of which is incorporated by reference to this Item. ​

Other Events ​ The Registrant issued a press release on May 22, 2025, announcing the declaration of a cash dividend of $0.14 per common share payable on June 20, 2025, to shareholders of record as of June 6, 2025. The full text of the press release is filed as Exhibit 99.1 with this current report on Form 8-K and is hereby incorporated by reference in response to this item. ​

Results of Operation and Financial Condition ​ The Registrant issued a press release on April 11, 2025 announcing results for the three months ended March 31, 2025, the full text of which is incorporated by reference to this Item. ​

Director — Donald E. Souders, Jr.: Mr. Souders resigned from the Board of Directors with no indication of disagreement.

Results of Operation and Financial Condition ​ The Registrant issued a press release on January 15, 2025 announcing results for the three and twelve months ended December 31, 2024, the full text of which is incorporated by reference to this Item. ​

Results of Operation and Financial Condition ​ The Registrant issued a press release on October 11, 2024 announcing results for the nine months ended September 30, 2024, the full text of which is incorporated by reference to this Item. ​

First Senior Vice President and Chief Lending Officer — James Donovan: The company entered into a new Change In Control Agreement with James Donovan, providing severance benefits and other terms.

Other Events ​ The Registrant issued a press release on August 1, 2024 announcing the approval of a new Share Repurchase Program. Under this new program, the Company may repurchase up to 500,000 shares, or approximately 5.0% of its outstanding common stock. The full text of the press release is filed as Exhibit 99.1 with this current report on Form 8-K and is hereby incorporated by reference in response to this item. ​ ​

Results of Operation and Financial Condition ​ The Registrant issued a press release on July 12, 2024 announcing results for the six months ended June 30, 2024, the full text of which is incorporated by reference to this Item. ​

Regulation FD Disclosure ​ Attached as Exhibit 99.1 is a copy of the presentation, which was made by James A. Hughes, President and CEO, at the Company’s Annual Meeting of Shareholders on April 25, 2024, the full text of which is incorporated by reference in response to this item. Further, Mr. Hughes referenced the Company’s dividend payout target is typically around 15%, to grow book value in lieu. Further, Mr. Hughes referenced employee headcount reduction in late 2023 and early 2024, as re…