BlastPoint's Banking Scorecard
Signature Bank, National Association
Designations: ✓ Community bank
Toledo, OH
2 branches across OH
Signature Bank, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 9.49% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 7.1% in tier
- - Non-Interest Income / Assets 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+1.1% YoY
-1.8% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$998.5M
+5.4% YoY
+0.4% QoQ
|
-$966.3M |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$1.1B
+0.2% YoY
-2.2% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.44%
-35.8% YoY
-5.6% QoQ
|
+0.07% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
3.90%
+4.5% YoY
+5.0% QoQ
|
+0.08% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
51.57%
-13.4% YoY
-2.4% QoQ
|
-9.49% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
0.88%
+259.2% QoQ
|
-0.01% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
89.26%
+5.1% YoY
+2.6% QoQ
|
+5.06% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
23.27%
+3.3% YoY
+3.0% QoQ
|
+1.98% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.68%
+267.1% QoQ
|
+0.01% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
14.50%
+3.0% YoY
-1.1% QoQ
|
-0.66% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.04%
+20.4% YoY
-70.8% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.4% in tier |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.