# SIGNATURE BANK
HADDAM, KS · FDIC certificate 15110 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.7M | |
| Deposits | $4.8M | |
| Loans and leases | $4.1M | |
| Total equity | $810,000 | |
| Loans / deposits | 84.93% (p80 of band) | 69.17% |
| Liquid assets / assets | 22.51% (p22 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.36% (p55 of band) | 10.02% |
| Unrealized securities loss / equity | 2.59% (p44 of band) | 3.21% |
| AOCI / equity | 0.12% (p54 of band) | |
| ROA (annualized) | 0.97% (p61 of band) | 0.78% |
| Net interest margin | 4.60% (p88 of band) | 3.76% |
| Efficiency ratio | 69.92% (p43 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.31% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 74% | |
| Construction % of loans | 15.93% (p51 of band) | |
| Auto loans | $4,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 2 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-02-03 [Signature Bank teams up with Midwest Trust to launch trust services - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNMERUN3VBdFdNUDdadmcwYmFRVnRUdWpZWnFlSU55V2MxVXdoNGVZQklZTlRpN29UWjRzMWFtRlFkS2xnQzV3WFYzV3MtaEpSTU5qZ2Jrd0ZHZXVwUk8yTEZPQmRrRS11WWg4dnYwNDVLcThucnpRNS14ZlRGT1dxSlpNV0o0WC1INkt6RU5fRGVPZVBEdUdJZW41eDZPcER2dTZJVWU2cTdaaWk4?oc=5) · The Business Journals
- 2026-01-28 [Signature Bank Launches Signature Trust Company in Partnership With Midwest Trust - Yahoo Finance](https://news.google.com/rss/articles/CBMijgFBVV95cUxQb2JXYnBxM1NHdmhXNC0tbWFzQi14QVlBZUZIWVBiSUQ2aGI0OG5BZFZMd1FrbGdjdHFWWlA1d3dXZ0lHZnJraTRybnptTFNQYUhVeXFxUFRmcWFmS2Z4clJ0YnBXTTRUV1Bnc2FlUWhQQUU4YkV4bF9kQ1A3R3VSRmRGV0tqMGFOV1lTZU5n?oc=5) · Yahoo Finance
- 2026-04-06 [Kansas Bank Collapse Becomes Fourth Bank Failure This Year - KBRA](https://news.google.com/rss/articles/CBMisAFBVV95cUxNdzdDVUJoamNSU21GNmo1N2JuUS1vRDdYT29yd1MwT0pOdjBlOU1xSjQzNUlWUDNNZVdBYTBhUlUyRGFFb184bGlkemZoa3hkQm9XYWZnc2VDVUtWM3F2OWlhUVdGY0F0aGJtZ0tXdlQ3ZUFHMEF4X0d2UHNCdkZuQlVFLWlxekpIeWpxOW1IcTJabjRFN3NoaXpVbElJeGRjZWlmUzU3ckc1UlVwbGRfQQ?oc=5) · KBRA
- 2025-11-03 [1952 – Douglas County Bank - City of Lawrence, Kansas (.gov)](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRHkwQVZzc0JlbkoxSUx4czFxb3FQenlRdDA5Unl0ZTRtbWhYLXAtTkxtU0lXOW43bFNaMDFvRlZGSDRkelR4amgtSDM4UTVzUmZ5OW9XaHZGd3Rnd1ZZTmhNcVhLWnBDbTBObzBlLW91NFJ6cktCNmtyamMwWDRkdTVfdkt1bXNoVURJ?oc=5) · City of Lawrence, Kansas (.gov)
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2023-03-13 [Signature Bank closed by NY regulator - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxNNmMzTFY5UXVkTjFIZ0ZvVk9KYmg5aG1oYkNhbnJiTWNPM3JvbFZjRDRuQlJ3dGt6T3kwa0VjbjQxR1dWcGh2TlpHMng0bGkyMVZGdXA2M2NOdTl0Ukxrc2xoclA1U19OTzZSdzNuQWJpRXB0SGM3V2E3VDJ1SUZhQ0xJVW9yOE5XTjJhazBfQ0Z3b3IyS2pEcFpoLXdoMjkybTNidHkxWQ?oc=5) · Banking Dive
- 2023-04-28 [Signature Bank failure due to 'poor management,' US FDIC report says - Reuters](https://news.google.com/rss/articles/CBMirgFBVV95cUxNeWlKZWpGbVV1TW9taUYzLTIxOHpXZnhUUEpDTXM4WjR6SG40RnJLUFpnbTZJbGdpeFl3RHZVdHRCMGpFX2VOOG1jeXpBZnVhSVlLNk9QR3JJOG0wUFhqelVIN2psUlZrSWJmUTZ4WlJ6X2d1VDJNVWpITFpoYnZXQ1c0YTU3UEZlQk8zdEMwZ0ZFU0RqaXByNTFTd3RwclhTNE1jSTdMYTFxQWpSVGc?oc=5) · Reuters

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15110 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "15110", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide