# SIGNATURE BANK
NEW YORK, NY · FDIC certificate 57053 · asset band >$100B · latest filing 2022-12 · FAILED

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $110.36B | |
| Deposits | $88.61B | |
| Loans and leases | $74.88B | |
| Total equity | $8.01B | |
| Loans / deposits | 83.95% (p79 of band) | 70.68% |
| Liquid assets / assets | 29.19% (p41 of band) | |
| Uninsured deposits / deposits | 89.67% (p100 of band) | 44.82% |
| Brokered deposits | 3.45% | |
| Wholesale funding | 13.81% (p85 of band) | |
| FHLB advances / assets | 10.22% | |
| Tier 1 leverage | 8.79% (p59 of band) | 8.75% |
| Unrealized securities loss / equity | -40.13% (p26 of band) | -29.44% |
| AOCI / equity | -22.15% (p24 of band) | |
| ROA (annualized) | 1.15% (p62 of band) | 1.08% |
| Net interest margin | 2.24% (p38 of band) | 2.68% |
| Efficiency ratio | 32.04% (p15 of band) | |
| Noncurrent loans | 0.32% (p26 of band) | 0.65% |
| Net charge-offs (annualized) | 0.06% (p35 of band) | |
| Reserve coverage of noncurrent | 205.28% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 20.56% (p82 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $1.36B (17% of equity) (p29 of band) | |
| Deposits YoY | -16.5% | |
| Employees | 2263 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | uninsured deposits >50% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | wholesale funding >15% |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | wholesale funding >15% |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 | reserve under noncurrent | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 3 | loans exceed deposits, run vulnerability |  |
| 2019-03 | 3 | wholesale funding >15% | run vulnerability |
| 2019-06 | 4 | run vulnerability |  |
| 2019-09 | 1 |  | loans exceed deposits, wholesale funding >15%, run vulnerability |
| 2019-12 | 3 | capital falling, run vulnerability |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | run vulnerability |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 2 | NIM <2.5% |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 6 | deposits shrinking, assets shrinking |  |

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

- 2026-08-19 [US appeals court revives Signature Bank collapse lawsuit despite FDIC objection - Reuters](https://news.google.com/rss/articles/CBMizAFBVV95cUxOUzNTQjRmU19obC0wM3IycDVmV1FZaVZqOW5jSzBLdTJpTm51ZHNTRHc3SmkxcDlQZFNwNG10WXBBYkZzUWpoMWlNazYyLWo1OW1LbWZUdDlxT3k5WVJuRHdGbHVpUmQ1OXZPendPUGUzTlc3eUFVWFZxQzFzZFBwZG16MkJFZjg3RHFPb3A4ME56dG4xb1RnNV9tSzljazh3ZmhFMng2MHdNZ0JXSVlhSzA4N2JJTmNkazZzTXdhdWt6eF9UNk9kT2lrbGM?oc=5) · Reuters
- 2026-05-19 [Three years after Signature Bank collapse, tenants still wait for improvement - Gothamist](https://news.google.com/rss/articles/CBMipgFBVV95cUxOYWQxd3JPbXJUTjRCa0stTXpyQVM2bjNieWc3NmhNLXBqcl9KcDU0TEVrYWtwZnJfM3NKVE44clFmRzdlc21vcUVGQ040VGx3SjMtQ0h6VVVHcVdwcXc0SWZVcXUtd2F6NlpRd25McUhPbGxhM0RNREtNRWdQRWRBMXd6TTJHTlBnT2xfOTY2UkJyUmRJTjYyaDZNckMyOUJVMnB2V0Z3?oc=5) · Gothamist
- 2026-03-13 [Esquire Bank acquires Chicago-based Signature Bank for $348.4M - Crain's New York](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUWkwY1RwRmFuNmRkOXBUM0FhWlJFblhYNHg1ZG9RclZpYnU1NUJKUlBpUG1sX0RUdFIza2RaY2c4OTVmMGF3ak9WREFWaWNINXRSNW83OTVBdHdXZTBfQ1J6N0VyTlJCcVFkX1Z6SDFweDcxc1BIeGwwRzdJZnhyN0NWRVJBNktFV09V?oc=5) · Crain's New York
- 2026-04-03 [New York-based Esquire Bank expands legal portfolio into the Midwest with Signature Bank acquisition - amNewYork](https://news.google.com/rss/articles/CBMixAFBVV95cUxPdXlLUDYzdkJTMHcteGoyWEhveUlUVkoyMzk5ejY3a19pczZsaVdoQVF3UHJXTGUyWnJhWlQ1Z2ppM3NNTVVSZW1VS1dibXJNMUhSdTFKd0dpTGIwdF9ybmFlUDd5TEgxbXp5d1VVeDFvQWJTTm9EZ2pvSUNRbllTX0Rqekp6NEZyOC1acXJOTDV3LUxJamJjenNpNXVGNnBkMHp1eV9ZMlFjaHY1enpBUkxvQURFNGx2R1Y4VTFISVppaUJp?oc=5) · amNewYork
- 2026-03-12 [Chicago’s Signature Bank joins forces with New York-based Esquire in $348 million merger - Chicago Tribune](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZDRLZFZNNlpaeXRJMlhVZTRveWl4ZU5TR0pteXR2RWJSWmtDVS11UHlaVVZRcktoUFJmMlhGbnFpTWFKRGhlRkl0T1ZMVEpIWVFZQU9QdHFmS05hdnZFeTNQb2F1ajRXOFNlTEM1MEpDM0U0RzlUQ0Q0TVpKYmRPeEptTGRUcmM?oc=5) · Chicago Tribune
- 2026-05-25 [Dime Expands Williamsburg Presence with Acquisition of Former Signature Bank Space - Yahoo Finance](https://news.google.com/rss/articles/CBMisAFBVV95cUxNYXNIVzJ1X3BTZFpVaE4zZFR0bVhLQ0c1YUJ0NU95VE9hc0IzQ3JFdnVJZXh3MDNlUEpEX2ZLZGNDODNVMVpNZ0NuUFN0V296aDU5b05rMFJ3MndXU3piQ2pFelNaREltc2JFY29HUjlIU0QwODVCX2VIUWlVdWNULWppTl9lZE5CemNzTzdUTzlQUHlMcl9vNC1scTFwYXRWQy0xeUFQX0xoSHFNSjVqRg?oc=5) · Yahoo Finance
- 2025-11-07 [CT bank hires former Signature Bank team to launch NYC expansion - Hartford Business Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxOWDBFbDdSYkxpX2lMdFRnMFpwaWYwTHItdzV5UUR3WmJSVHh2RWlTdGZFWHdKRFFqZ3pJcTRLM2NjOUZ5UERlYlhPWXF4bm1OTDB0MUUxWDJiRlFtY0VzTFY0VHNlS0VfS2pqSmdQVFpDWnJKRzJWWjlsdjVqY2NDOThVamtNbFhhTEtWLW0xV0NDV2ozbG5nTW5TSHV0V2ZzOGlxNw?oc=5) · Hartford Business Journal
- 2026-07-08 [The New York Fed Dug Through 3,000 Bank Runs and Found a Surprising Reason Banks Actually Fail - Benzinga](https://news.google.com/rss/articles/CBMi4gFBVV95cUxON0F5NUphTGppQTRMdktSaW1QLXVnbW5jM00zdmx1S1Y1OHE5RzVSWU13UnZpTWJTUWtfQUxCUkhOcGIxUVZidEVRSjhaX29fSDQ3WXI4cjk3czNHUXY5cnRoSTByaUJMaENjbnlReUJpeDI1Q3JSaWhrRE1MQktSajNuRmdkbEpCaFB4QXBQeER3R2s0VkJ2dlFDcHJYV3V2d3BkcGx6Y3ZMWjYtaHlvM290NnZodkc3TTlYSkR1dTItQlBTMGtBY1UtcGZZZXE2UDVob0FkX3hBOTI0ZExnSmRR?oc=5) · Benzinga

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57053 (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/29.json (key "57053", 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