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Signature Bank, National Association

$1B-$10B Specialty: Commercial OH FDIC cert 57269

Designations: ✓ Community bank

Toledo, OH

2 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
  • Deposits +5.6% year over year ($1.1B on the books).
  • Delinquency rate 0.85%.
  • Return on assets 1.57%.
  • Efficiency ratio 48.79% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.64% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

Signature Bank, National Association has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.18% above tier average
  • + Net Interest Margin 0.10% above tier average
  • + Efficiency Ratio 10.93% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 50.6% in tier
  • - Non-Interest Income / Assets 0.45% below tier average
Get updates when Signature Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $1.3B
+6.0% YoY +2.1% QoQ
-$1.5B $2.8B
-0.6% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $1.0B
+7.1% YoY +2.6% QoQ
-$939.0M $2.0B
-0.3% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $1.1B
+5.6% YoY +2.1% QoQ
-$1.2B $2.3B
-0.5% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 1.57%
-8.4% YoY +9.1% QoQ
+0.18% 1.39%
+17.0% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 3.97%
+8.2% YoY +1.7% QoQ
+0.10% 3.87%
+6.2% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 48.79%
-12.6% YoY -5.4% QoQ
-10.93% 59.73%
-12.6% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.85%
-3.2% QoQ
-0.02% 0.87%
+11.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 89.64%
+1.4% YoY +0.4% QoQ
+4.60% 85.04%
-0.1% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 22.53%
-1.1% YoY -3.2% QoQ
+1.26% 21.27%
-1.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.66%
-2.8% QoQ
-0.01% 0.67%
+11.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 14.27%
+1.0% YoY -1.5% QoQ
-0.57% 14.84%
-0.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.08%
+8.9% YoY +94.5% QoQ
-0.45% 0.53%
+2.5% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Bottom 5.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 22.5%
-0.2pp YoY
-0.7pp QoQ
 +1.2pp 21.4% 18.8% 22.2% 62%
Brokered Deposits n/a n/a 9.5% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 27.4%
-1.7pp YoY
+0.4pp QoQ
 +13.4pp 14.0% 10.2% 12.5% 89%
CRE 50.9%
+1.1pp YoY
-0.9pp QoQ
 +0.9pp 50.0% 34.2% 41.4% 54%
1-4 Family 14.2%
+0.6pp YoY
+1.1pp QoQ
 -12.2pp 26.4% 50.0% 31.3% 28%
Consumer 1.0%
-0.1pp YoY
+0.1pp QoQ
 -3.7pp 4.7% 4.7% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 14.3%
+0.1pp YoY
-0.2pp QoQ
 -1.3pp 15.6% 22.1% 19.7% 62%
Leverage Ratio 12.4%
+0.4pp YoY
0.0pp QoQ
 +1.1pp 11.3% 12.9% 12.6% 80%
Total Capital Ratio 15.3%
+0.2pp YoY
-0.2pp QoQ
 -1.4pp 16.7% 23.2% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 124
-3 (-2.4%) YoY
-3 (-2.4%) QoQ
 -190 313 2,433 482 15%
Assets per Employee ($) $10.6M
+8.5% YoY
+4.6% QoQ
 +$78K $10.5M $7.6M $8.8M 70%
Branch Count 2
0 YoY
0 QoQ
 -18 20 81 18 5%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.8%
0.0pp QoQ
 0.0pp 0.8% 0.6% 1.0% 68%
Allowance Coverage 1.34x
+2.0% QoQ
 -17.37x 18.71x 18.95x 20.23x 34%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 12.8%
-1.9pp YoY
+1.0pp QoQ
 +0.2pp 12.6% 9.7% 11.6% 55%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.7% 1.7% 20%
Net Income ($, YTD) $10.2M
-5.1% YoY
— QoQ
 -$9.0M $19.2M $259.3M $40.4M 41%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#44 of 85 • Bottom 50.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.57%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

180
Efficiency Ratio
profitability
Value: 48.79%
Peer Median: 59.73%
#180 of 885 Top 20.2% in $1B-$10B

Top Weaknesses (2 metrics)

834
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.53%
#834 of 885 Bottom 5.9% in $1B-$10B
685
Total Assets
size
Value: $1.31B
Peer Median: $2.79B
#685 of 885 Bottom 22.7% in $1B-$10B
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