# SIGNATURE BANK
MINNETONKA, MN · FDIC certificate 57631 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $409.2M | |
| Deposits | $368.1M | |
| Loans and leases | $339.1M | |
| Total equity | $39.3M | |
| Loans / deposits | 91.08% (p65 of band) | 85.15% |
| Liquid assets / assets | 16.78% (p29 of band) | |
| Uninsured deposits / deposits | 35.04% (p85 of band) | 21.69% |
| Brokered deposits | 12.40% | |
| Wholesale funding | 12.41% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.42% (p30 of band) | 10.22% |
| Unrealized securities loss / equity | -0.53% (p53 of band) | -0.60% |
| AOCI / equity | -0.36% (p13 of band) | |
| ROA (annualized) | 1.67% (p88 of band) | 0.90% |
| Net interest margin | 4.30% (p85 of band) | 3.66% |
| Efficiency ratio | 59.30% (p25 of band) | |
| Noncurrent loans | 0.47% (p45 of band) | 0.54% |
| Net charge-offs (annualized) | 0.17% (p84 of band) | |
| Reserve coverage of noncurrent | 238.02% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 25.37% (p34 of band) | |
| Auto loans | $268,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | loans exceed deposits |
| 2011-12 | 3 | loans exceed deposits |  |
| 2012-03 | 2 |  | loans exceed deposits |
| 2012-06 | 2 | capital falling | wholesale funding >15% |
| 2012-09 | 3 | reserve under noncurrent |  |
| 2012-12 | 2 |  | reserve under noncurrent |
| 2013-03 | 0 |  | brokered >10%, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | brokered >10% |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | brokered >10% |
| 2017-03 | 2 | brokered >10%, charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 2 | wholesale funding >15% |  |
| 2017-12 | 1 |  | wholesale funding >15% |

## 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
- 2026-03-13 [Esquire to acquire Signature Bank in $348 million all-stock deal expanding in Chicago - Long Island Business News](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSHdYcXJLSldqMGRGOFl5RFhhOWtFZWZLeENjczEwSjJ3N1FEXzVDZzlTdEFnb2l0NUJPSWFWNUNnYnRGblhoajlFZEQ1OVpueGM2NXp4VC04elBIVUk3TUJFcU54Y2EtckFFZGUtRmRlbE5PdmM1LXVMbWVLdU8wODhqWXY?oc=5) · Long Island Business News
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-05-16 [Examining the Failures of Silicon Valley Bank and Signature Bank - Senate Committee on Banking, Housing, and Urban Affairs (.gov)](https://news.google.com/rss/articles/CBMipwFBVV95cUxPWnhmcHZ1VHF3OXlwcGVncFM4dFdEUlJQN3NVVFpuZWV3bDE2YWNMTlF1U1E3SFlLdElvWGZ1MUt0Yy15V3NZdFBoV25vX01TeHZVNDFOY2Y2U0UxUkxVTmZTLWkzRmJGUTdJQ3lGRXlrSERPd3p1TjRBZm1NZ1ZOQlhHU0NxMks5eFZDWXVhRG1yU3Y3QWI0ODNCNGwyNlEtTElzeTh0dw?oc=5) · Senate Committee on Banking, Housing, and Urban Affairs (.gov)
- 2020-02-27 [Minnesota Bank & Trust Hands Reins to Former Wells Fargo Exec - Twin Cities Business](https://news.google.com/rss/articles/CBMihgFBVV95cUxQRW1XM3k5R1NuZWF6aWRncDV6X1g2TmlFaEx2cjJWVEJiZnJIeGVzaDladUtTN29PYmVhdXRTdXp2Vm1IUk5LMTBTTWRsZzd1cTFaQWdiWUQwVFZQbDJweUdGQklPUGQxckJnbTBRRTBDVENkRkVvQlQ0aFFpcDV4b3Mwd1lTZw?oc=5) · Twin Cities Business
- 2023-03-16 [Minnesota banking executives: We're 100% different from Silicon Valley, Signature bank - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNSnFieWhlX3ZFelJXSmVBWHN6SnpfdDFWTXhidk51azVpZXE4Zk1TNHk1aWVYMUpVb0dCejNkajZ4aEZHSGp4RGRHTXRpT01aTDROWHgwLTRZRldtOV9FZHh1d0p5Tllhcl9zcWh4ZW54Zi1TWUZocW5RMERGM1VMVXFIaFBGWGh6UjJWYkpueU83MFlVY0dmUVZoRzUzdWtKS21fYVZCWDJnVEtyNmc?oc=5) · The Business Journals
- 2023-04-04 [Exclusive | Signature Bank Insiders Sold $100 Million in Stock During Crypto Surge - wsj.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNbzVxVmdLS0ExTUVVWlRvODVtTnJKU1RyOVlsM3hMT2plcXIxWnI5eDU5RmVQNUpzSTR0b0FWMFlNNDB1dnFDc2RMS1RHSzdjbDFXS1ZYQ0hHTzRad2NyV2xxNlo0eWFpM1VTUU5MRTlTdE1sZm5QZlFZY25Nb2VONFR3cmtya0RMNmM2bzJucjNoNHhiZzJqUXgzWDUtQ0ptRDhkZ2JqZXIyWWMtaEF5V3VnY2lqMUVX?oc=5) · wsj.com
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57631 (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/31.json (key "57631", 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