# SIGNATURE BANK
ROSEMONT, IL · FDIC certificate 58264 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $2.07B | |
| Deposits | $1.84B | |
| Loans and leases | $1.35B | |
| Total equity | $215.2M | |
| Loans / deposits | 72.61% (p20 of band) | 87.10% |
| Liquid assets / assets | 33.36% (p81 of band) | |
| Uninsured deposits / deposits | 68.45% (p98 of band) | 30.76% |
| Brokered deposits | 2.40% | |
| Wholesale funding | 2.51% (p32 of band) | |
| FHLB advances / assets | 0.11% | |
| Tier 1 leverage | 12.42% (p79 of band) | 10.50% |
| Unrealized securities loss / equity | -26.49% (p12 of band) | -7.75% |
| AOCI / equity | -0.40% (p42 of band) | |
| ROA (annualized) | 0.07% (p3 of band) | 1.26% |
| Net interest margin | 4.14% (p75 of band) | 3.70% |
| Efficiency ratio | 41.73% (p10 of band) | |
| Noncurrent loans | 0.05% (p9 of band) | 0.51% |
| Net charge-offs (annualized) | 2.52% (p99 of band) | |
| Reserve coverage of noncurrent | 2206.28% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 58.23% (p61 of band) | |
| Auto loans | $3,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | wholesale funding >15% |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | noncurrent p90 |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | losing money, charge-offs p90 | brokered >10% |
| 2014-09 | 5 | uninsured deposits >50% | losing money |
| 2014-12 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2015-03 | 1 |  | capital falling, charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2016-03 | 2 |  | capital falling, charge-offs p90 |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 2 | capital falling | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | run vulnerability |  |
| 2018-06 | 1 |  | run vulnerability |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | run vulnerability |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | reserve under noncurrent | run vulnerability |
| 2021-03 | 2 | capital falling | reserve under noncurrent |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking |  |
| 2023-03 | 4 | wholesale funding >15%, uninsured deposits leaving | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 3 | capital falling | wholesale funding >15%, uninsured deposits leaving |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | noncurrent p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | noncurrent p90 | securities losses >30% of equity |
| 2025-12 | 5 | deposits shrinking, assets shrinking |  |
| 2026-03 | 3 |  | deposits shrinking, assets shrinking |
| 2026-06 | 2 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |

## 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
- 2026-03-12 [Signature Bank acquired by New York-based Esquire for $348.4 million - Crain's Chicago Business](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNENOMXpyRHRsRGpyWEhXczI2MFNwREFqdXVHUy01U19jbGVyM1BHUDVnVk1YYWZmTlVKcFEybDRtWFJ0dXhscjI4bWtDMzJqV01GX2ZaYTY1Q2dVaDNsOS1mcVVXR1RWRU9hSVhIZ0lwT2dDRDRxanRXYzc5MnRRczhDdWZ1QXNyNXZ1RzliM2RDaFlRaTV4bUlkQVQ?oc=5) · Crain's Chicago 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
- 2026-02-02 [Illinois bank taps a partner to help launch trust business - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxNLUVzaWN3cm51emY2cUZWd2NPUDFILWlwVkZCYkJSamh3a2x6QVQwckJhNU5PR3NYaVZoMWhMSk55dU1kRFNmVFktakVBWEphWmQ3MW42UklGNU5scm9JRFlySGlCR0FlYjFyYldkVWlNS044OW9RSkxNN1JHQ3FUTWxWV05UTTRHM0NpdXZuSHJ2Y3BUZlZvc1J3?oc=5) · American Banker
- 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
- 2026-03-13 [LI-Based Esquire Bank Expands Reach with Signature Bank Chicago Deal - Connect CRE](https://news.google.com/rss/articles/CBMipwFBVV95cUxPeVhwaE5xMUs4YUVjOFIzSVVzZmJqS05vVWlnYnBLWEZZZGtJSTM5YmdYLWgwUDNfT3VBd2xvVFJyY3NIS09hWU9saW55cXNOSmJKakIwSGxIamxyUlMyVHFzTy1wOFlKVF94NFpFYlo4clpvdDFzUGRoVVBWUmNycDlNaTgzS1lnSEFaLVZJRHRKS1QwRU50SFFPck1JMUx3NnFzNDhlWQ?oc=5) · Connect CRE
- 2026-03-13 [Bank that serves Wisconsin customers enters $348M merger - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQQUdrNXlIQ1RFRURVZWJfZWZWQUJ3ZXlwenNoZ3M1Y3czQjNnSm5ZbUpUZi1sWDJIZDNpcklPQlNaOUl5cmRPd3h4d3VIZ2RDb2ZXRWR1SjNrZUt0VUNjUEI3NjhxMl9vb2dSLVFrNHpQa1M2cmpQdjBDdXlGNzJGOEVheUZvSjVvSVQ4MVMxczQ5Zk9MWGhLVElaZE8?oc=5) · The Business Journals
- 2026-06-24 [Esquire Financial Holdings, Inc. and Signature Bancorporation Inc. Receive Stockholder Approvals for Merger - PR Newswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNdnk1YlNidEFlLVF5V2dWbm9QNnJJTGVGcXJiNVNLOUpiU1hCeUhaRTJfZmNQMnRCbUZYNXZrZWhxSGJGUXBkNVd4bkxaN3hfNlFxVjFzY3NxNWZxSHVEMGtNTDZzanQtdUNzRmtuaGZsN1BKWGRQSGNyT2hwVllUUmNXSng3SjdkSnNTSnVPbUFlUmk3dm4wVTZYQnkwSHU3ZHJ3S2JEeS1XX19SRXlOOWlPeXVkbjlJZjJkSzZpUnE1RlVMSWc4MEpRaUM5UFFEWTBtTzMxTTg3dTVfdmVUQUozY2NRV1g3OWwzeG90T2c0UQ?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58264 (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/24.json (key "58264", 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