# SIGNATURE BANK
DALLAS, TX · FDIC certificate 3148 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $124.1M | |
| Deposits | $107.5M | |
| Loans and leases | $66.0M | |
| Total equity | $16.5M | |
| Loans / deposits | 61.18% (p36 of band) | 68.02% |
| Liquid assets / assets | 40.31% (p59 of band) | |
| Uninsured deposits / deposits | 16.66% (p82 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.72% (p24 of band) | 10.05% |
| Unrealized securities loss / equity | 1.13% (p31 of band) | 3.01% |
| AOCI / equity | 0.73% (p77 of band) | |
| ROA (annualized) | -0.23% (p10 of band) | 0.76% |
| Net interest margin | 2.87% (p12 of band) | 3.75% |
| Efficiency ratio | 104.14% (p92 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.21% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | 70.03% (p89 of band) | |
| Auto loans | $920,000 (1.39% of loans; DQ 1.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.7% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | losing money, expense ratio p90 |  |
| 2012-06 | 1 |  | reserve under noncurrent, expense ratio p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | expense ratio p90, deposits shrinking |  |

## 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
- 2025-12-04 [3 ex-Signature execs start blockchain bank - Banking Dive](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPX0ZTaUhhQUd3b2l6NFE0dkV6UHU1RTdWdWdPZC1hSE0xcS1mY1FkTFN0MmpMWHg4d1JZbXhSdTVudS1zZXR1RmNuR25vZmt6cXBuN3BPdGZldGM4dnUwOEFKVmFqRG82dy1HUG9GdzVhY2tRRW5yTTJLZ19xbFRUNTNPMVZpd0FqSWZj?oc=5) · Banking Dive
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2026-05-27 [Wall Street gets new crypto rival after Texas bank completes regulatory pivot - CoinDesk](https://news.google.com/rss/articles/CBMivAFBVV95cUxOaXJQcC0tWGxzdjc2azhzMWY5bkdCOUJIRkNHQndmYkhlaUZSQXJyaG1lWGVwYzVWUmUwWklPd25KQnFYX2d1dkc4YWhNdTc4VE9xRWVUeG8wY3p6TXk5TVJiLXdCU0Z5NGN6WDNSQjhGMnhRcVlnUjgyXzBEZGpYbUZqSzAtbVRZa2p6OXc3TDFwMlRrX2JoRG5xdDByVEg1Nko2N1RPR0o4Tm9WLXZ3Mm4wRmJnaVNYYThDWg?oc=5) · CoinDesk
- 2023-03-15 [Banking Turmoil: What We Know - The New York Times](https://news.google.com/rss/articles/CBMiekFVX3lxTFBCRm1XNjZhU3ZWUExmSFpOSTVaOG1hS3IzaDltV0lkdHZIbzhpSFVUblMzaFZ5OWlqNE1NanFtcVNNT0N3QjIyc2UwZWg4UFZNN1RKaktlUXJKMTYyZFVWc2Q1Q0hzMjhJeWlQVDIzV2VjUmlsak9lWVV3?oc=5) · The New York Times
- 2023-03-12 [Regulators close New York's Signature Bank following Silicon Valley Bank collapse - CBS News](https://news.google.com/rss/articles/CBMihwFBVV95cUxNOWtieFpQNUg3UnpJVzF0TEw1dVhQUEN6bFpCVXYtaktrbElWT1c5NnhYZWo3c0kxZ2RZanEzZHBmOF9UOU52WHp2R3B6QTRxRk1ic2FjYXJZRXlmN1FqM2JiMHVMQ1MyaEtmdkVhRGFmREZfQnI4V1EzS3B6SjVTdzExcEk2dnPSAYwBQVVfeXFMTkp4N3U2cDdVZl8wQ0NITG1rZjVCUG9UclFEbU9xM3RSQms5bDNkdFBST29HRlB6cmNFWjRnc2tzWEF2TlVHcnZPbEpzZjdxVHloUTNNWDh6WlRJem9KQmFuQ3ljQjFwRk1BcUEwVG1kVW5Ob0JHVUY3TGZKMExybGpCTWNPQjJyd05NZkk?oc=5) · CBS News
- 2023-03-15 [Regional banks under scrutiny: What makes them different? - marketplace.org](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeUk1bWJkaUlDYmZpaEdIVHFHNHRZUFhuOWlzM0VZeTc2S0trbElWX1I3S1JJUTc1R2M4bXpRbDVmaHM0dG5tZmtseU9Ec00zcDZZazRiNEpkN1JFeUdnVllITzlNbVJYQk1ublJYSmV6amRBSFl0ZUdtYkcycFp3UmU0OWJXT1pwN1hZQ2hCZlZWbkpMeGY0SzFKRndZTXN0c1E?oc=5) · marketplace.org
- 2023-03-13 [KPMG Gave SVB, Signature Bank Clean Bill of Health Weeks Before Collapse - WSJ](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTWxYZHNyNWMwNi02UmdtVDFoMEk0RTg1c2phZ1lOcGtvVnl5bHhwQkczZmxuU2tmQkQxY042RlNxQVFIVHYtTXM3VXJMc1hRYXp2MGNRcUZWYlJhVWc5YzJla3E0YXI4M1c0Sl82MTdmemdQOTN0dXJ5TFdHUTc5X1FMTV9MQjg3MDNpYXFEYTlrX25UVUh6V2hR?oc=5) · WSJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3148 (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/12.json (key "3148", 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