# SIGNATURE BANK
WINDSOR, CO · FDIC certificate 57835 · asset band <$300M · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $62.5M | |
| Deposits | $60.3M | |
| Loans and leases | $49.2M | |
| Total equity | $1.6M | |
| Loans / deposits | 77.23% (p62 of band) | 71.80% |
| Liquid assets / assets | 12.14% (p4 of band) | |
| Uninsured deposits / deposits | 4.62% (p29 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.80% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.39% (p1 of band) | 9.80% |
| Unrealized securities loss / equity | 0.45% (p23 of band) | 2.62% |
| AOCI / equity | -3.55% (p0 of band) | |
| ROA (annualized) | -5.11% (p1 of band) | 0.68% |
| Net interest margin | 3.74% (p44 of band) | 3.84% |
| Efficiency ratio | 149.30% (p98 of band) | |
| Noncurrent loans | 12.10% (p97 of band) | 1.53% |
| Net charge-offs (annualized) | 2.96% (p98 of band) | |
| Reserve coverage of noncurrent | 43.75% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 556.26% (p100 of band) | |
| Auto loans | $732,000 (1.49% of loans; DQ 2.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 16 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |

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

- 2026-03-12 [Esquire Financial Holdings, Inc. to Acquire Signature Bancorporation Inc., Expanding into the Chicago Banking Market - PR Newswire](https://news.google.com/rss/articles/CBMi_AFBVV95cUxONzlrOHYtUVpoSDlEX01hUFpQeGlvWUpTMWMzaVZ4bnR0UlRQZm5qMW5OX1RpTWRXVzZQaVZqMkFhUTg5VUpCaTdHQkV4S0dnWkhHRWRndmR2aDdLOVB2d2t3MW94SVVIb2JDUnNKQkJaMGpEbVlFVGN4SWg4OGxWOVU5SFNzNmtiWjlsSnd2eHJkSnZzaUVRcWNQdjFVTDJxSG95YWt4RXlLeGo2RnpJU3BBZC1pbU1kcE8ybDJ2UG5QTTJMdUo0V1BwbjlHWURhOG8xYzNIaktURDIxZTd6YktlQzB2OG9jdlkwWFZ0V2hRZkNqQ3lSSGhid04?oc=5) · PR Newswire
- 2026-08-19 [Ex-Signature Bank chair warns big banks could use blockchain to take market share from smaller rivals as N3XT goes global - The Block](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQSnF6aGlxb1YtOHNUc2lId3Z6bDRib1lENHdiVUJiWU9ady1XaDYtVmppN21CdGRIZTVkQWNkNklLc29tbXFzMkFlWWdVQ0duUXQ4US1mY0pMQ1gwaWozc21PWjF4ODVpeklfMzlTODNKMXRvZFV2TjF0SHVnR1h0YjF6eHFKUlZMR0YwUHdVbUc4bXhHOEFmdndjYlphdEZCbGgtN0JJbVE?oc=5) · The Block
- 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
- 2026-09-05 [Signature Bank Reports Stronger 2025 Performance as Profit Rises to ₦3.59bn - Proshare](https://news.google.com/rss/articles/CBMihwJBVV95cUxOa0plRkFrejdreXZHUGtndDRrdzUyU0tmcjBTYUh2MUh6SXlJY3g3V1dOVHdKRXQ3N3UtODgwTkJxMDBKSW1IM08teWlkQmtTNklFU3BQZDBsWkdtM0FNNmdkR3RXWVhJdTYwaHlYYW1lUi1xOUpVNkpyel9qVWFtN3JTZU9SdDN5VnJxNnNsTkJNSHUxTW4zUjJYRms5eWhVU2NyMEVKcmRIWmpuSXd5QjBfR0JuZW13ZzItaWd4RVlvX25WVkF5dlFLOHlsNkxYVFVaenc1MzZMYmFzWHZUaWNkRXpLNmpvOGVIZ2JYaWFib1pfTUpFREF3ZGpTM245TEtseW5lYw?oc=5) · Proshare
- 2026-04-27 [White River Bancshares Raises $25M to Fund Signature Bank Growth - Arkansas Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSk0zcTRwVW5vOGtrQUZvMDE0ZzdRSUJsNXRCQjhQQ0k1S01MOWdtZFVfSXpzWlh4cUlfWGJQdTYtTVFXWDRTNlpwVFF6bFlETzEtOC1RQVBzeGZLVHF4MGNSTGpLN29ScXR5cnEyaUh3aFdlWlZwSlpKTWJZNjExcXNrNDBlRF8wWl9kRUZPclNYYV9YdGthZmg3cktJdTB3dGtIMXlYLUc?oc=5) · Arkansas Business
- 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
- 2026-02-02 [Illinois bank taps a partner to help launch trust business - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxNLUVzaWN3cm51emY2cUZWd2NPUDFILWlwVkZCYkJSamh3a2x6QVQwckJhNU5PR3NYaVZoMWhMSk55dU1kRFNmVFktakVBWEphWmQ3MW42UklGNU5scm9JRFlySGlCR0FlYjFyYldkVWlNS044OW9RSkxNN1JHQ3FUTWxWV05UTTRHM0NpdXZuSHJ2Y3BUZlZvc1J3?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57835 (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/43.json (key "57835", 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.

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