# SIGNATURE BANK OF GEORGIA
SANDY SPRINGS, GA · FDIC certificate 58103 · asset band <$300M · latest filing 2025-12 · 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 | $274.0M | |
| Deposits | $235.3M | |
| Loans and leases | $197.8M | |
| Total equity | $37.3M | |
| Loans / deposits | 83.12% (p69 of band) | 73.21% |
| Liquid assets / assets | 25.19% (p32 of band) | |
| Uninsured deposits / deposits | 41.43% (p93 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.27% (p66 of band) | 11.56% |
| Unrealized securities loss / equity | -6.80% (p48 of band) | -6.10% |
| AOCI / equity | 2.92% (p42 of band) | |
| ROA (annualized) | 0.94% (p43 of band) | 1.04% |
| Net interest margin | 4.69% (p83 of band) | 3.83% |
| Efficiency ratio | 79.94% (p75 of band) | |
| Noncurrent loans | 0.08% (p33 of band) | 0.34% |
| Net charge-offs (annualized) | 0.14% (p86 of band) | |
| Reserve coverage of noncurrent | 1452.29% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 78.33% (p89 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.6% | |
| Employees | 32 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | losing money, charge-offs p90 |  |
| 2011-09 | 8 | capital falling, expense ratio p90 |  |
| 2011-12 | 6 |  | charge-offs p90, capital falling |
| 2012-03 | 10 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 11 | capital falling |  |
| 2012-09 | 10 |  | capital falling |
| 2012-12 | 9 |  | uninsured deposits leaving |
| 2013-03 | 7 |  | losing money, charge-offs p90 |
| 2013-06 | 6 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2013-09 | 6 | capital falling | charge-offs p90 |
| 2013-12 | 5 | AOCI drag >20% of equity, deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent, construction >100% equity, capital falling |
| 2014-03 | 5 | losing money, construction >100% equity | leverage <7%, AOCI drag >20% of equity |
| 2014-06 | 8 | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2014-09 | 5 |  | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |
| 2014-12 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2015-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2015-06 | 7 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2015-09 | 7 | uninsured deposits leaving | construction >100% equity |
| 2015-12 | 3 |  | assets shrinking, noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2016-03 | 3 | capital falling | deposits shrinking |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 0 |  | expense ratio p90, losing money |
| 2017-06 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2017-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 4 |  | losing money |
| 2018-03 | 4 | losing money | capital falling |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | deposits shrinking |  |
| 2018-12 | 5 | capital falling | deposits shrinking |
| 2019-03 | 4 |  | losing money |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 |  | expense ratio p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 1 | charge-offs p90 | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 1 | charge-offs p90 | assets shrinking |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 3 | uninsured deposits >50%, construction >100% equity | deposits shrinking |
| 2023-12 | 2 |  | charge-offs p90 |
| 2024-03 | 1 |  | uninsured deposits >50% |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 1 |  | construction >100% equity, capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | charge-offs p90 |

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

- 2026-09-08 [First Community to present 2Q26 results, leadership transition and Signature Bank of GA acquisition details - TradingView](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPZ2pKTV9wSUx0czVEaFUtZ3pFLVZUV0JmUGlJVlRDbi1DNE0xZW5BSWNTaEItVWc5NnFqMGc0b0d5ZGxia2diS1BTZzFOZ19Rcng2c0lVbERBcHVWbFVRRnNOSENCamlpNzRacXhsdlVocWtDQzdXbWRHTG9sMG8ybGo0TUVWdFpYRWtVdG5Hc2E5QmlaM2U4UEdWTjdaU0xlenZsTVlucGZJcDk4ZXZFSzRodk13c05RMGFXR2NZclZEMHBPZFpVM2pSbHl3dVZCYlpadE5FQ3N5aVZKM1pKa19oamJveVlrdHJ4eEcxbFhST0xNOFkxQ241Slo?oc=5) · TradingView
- 2026-07-27 [First Community details leadership transition, Signature Bank of GA acquisition and dividend increase - TradingView](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOQWpva0ZjUDZOYWh4Smt3SHFzMmptcHdKU05kUFVTemZOTkNjTHUwQkwxNHpaV0h5ZThRWHcxanVld1pMaXZQc2JhZnFEUXhJWlI1V0VDd1hTLWNhc0MxbUtZeDRLaDBpUllzdS1ZZW5jRTB1c2FaUWRiSWg1cmhzQ0VKUHl4OTE5bXhCb1FaZnRCSWIyV2VGdEpReHhfaUdQUlQ0NDc1UEFRbWkzWTBtTmJDUVJIdWo2aWhmWlRLTi1pRGc5QXJLajRLZ1ZUeS02TkMtWmpCS1NGMDdRejc0eWNZbVRNcFI1WXQxMTZUV1FmMlF1?oc=5) · TradingView
- 2025-07-14 [First Community Corporation to Expand into Atlanta-Sandy Springs-Roswell, GA MSA with the Acquisition of Signature Bank of Georgia - PR Newswire](https://news.google.com/rss/articles/CBMikwJBVV95cUxQRHBrR09ZRlA1VWZXc054a0xPNWR6QXpOSmNIVjV0S2YzeDJjMEljUHptZGpyTlQwcmk4ZEVxcXkzUEY2cW1mWl8teDQxcjNuSlM1RjBaNHFTWU5fSEEwejk5ZHB6X25fNy1tbm9SR293cTFyZURYUlhMdktSMG80czlDQVNtREc4WXJGSVFsUjJBV282UjBPc0pjRlZKc09sTXhLVFROTlVtZnlFSkladUdqY1V2VzlhNWN1TS1BYjZqM2ZBWkVDRXZLNXNzMFV4YWlpbWtwM3dlVEVldXdlR1pQWlh0YmtCZnk5Tk1sc0otZEw2YXNiLTE3TVFpOU1kNUQ5Y3lQNW9nRDdnMWdDNndxZw?oc=5) · PR Newswire
- 2020-09-22 [Treamon Andrews Joins Signature Bank of Georgia as Senior Credit Analyst - newswire.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNd1RNcExOR2I4dW9Ec1A4a2VtaWU1Q0FDaTRrSkhNYklUczN5QmZBMm84Y1NIVGFNWFZKMk4wNTBtX1JCUi12Yjl1SVU5NFBOUUtYcldGTU4wLWlzQjJ0Rmg5MzJVRUZ1aU5vZkxyaWlSSU82dW81ckdJWUNpakxBVnFHcXpWRGFHOUxLeHkxN0V0R2V2dWFLTU5CNm1aVlAzQlpBc1N3?oc=5) · newswire.com
- 2026-03-27 [Candace Sibbick Robertson - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPTmExQ0dIRFJHdjdJYTlESk1ucmpNZGtVcnlBTEx4cHRWajFUS1NqZ05uRHpCVGNpaU8yVWhGQjJYYXgyLUVzUHRYU1o1eldhZmVaU1B3LUxoRUJiMGY0WVdxbExuQXhBMno2aTVWR3p4TktlTU1EVzFKOTJROE5FZVNhVnZ2akE?oc=5) · legacy.com
- 2025-07-09 [Oops! SC bank buyout plan was let out of the bag early - Post and Courier](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOZkw2TFpYcG0zZVRzaTBpN0E3WTJTTHByUmtHOXRpR1VpVTJyVENobzV1Q2lIZzZYRklWTGpSOW1GazBEdVJXZWJ1RzdlUGtMYVYtX0xQN0NxcG1CdW5xcHFlY3psazF2eXI5YUp5N2xxaGwtNVZYeTlBNUl2VC1lVG9JZUU0RTVGZWdjX21FY1BCcjc3aDBQd1k2cFBJN1FjUU12MXlzN3ZjUzlmLWlmLUJ6V0YybW9xRC13NnVWWTZuaFNha01qeGQ4Q0J1emlqekRxQ3ZQR0djM0gxbUZtZnBacGpnVEl6U0hINjl3ajNXYU1tR0E?oc=5) · Post and Courier
- 2019-01-23 [Charles Hoag of Signature Bank Appointed to Sandy Springs Conservancy Board of Directors - newswire.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQVGkyUHJBVzlQN0o1cm9saF84cjBEc3B0LTlLY29lQkdZcW9tYVprelJyeXJQeUVndTloV3ZEcHdRM3lyak9MR3NwUjVyMHpmNEtUaUJkdldJOUVtanN4YVpsbWZXUDE0ZFBRYklpT2JjZFhRb04tWHBmcnd0bVB3MFBXaUM3UjYxSHB3dVZuVXZWQ2JlNjNIMGJFZnFaS0RkeVRSOFBjTnl2a3hV?oc=5) · newswire.com
- 2018-07-30 [Daniel J. Baker Joins Signature Bank as Market Executive - newswire.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQX2E2bXhINGk2R3FtWTJrQ0pwMjZndHNoNXF2cmZTeW1Dem9QTGtrYktUdFhoZG44RjdLY0RFdFR3cExqTDlXM2tiT2hyNWVuNVB3VXlOTnN3ZjdNeTFlREpKSk9aa0Y4TkhRbG9EdXA0SnBrbUpwTi00dlM0VnZsZXpRbVRIdERfbTJhWUVFYklqcG1PRFVSRU93?oc=5) · newswire.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58103 (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/55.json (key "58103", 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