Regulatory profile
Toledo, OH · FDIC certificate #57269 · RSSD 3076604
SIGNATURE BANK NATIONAL ASSN is an FDIC-insured institution based in Toledo, OH (FDIC certificate #57269). In its Q3 2026 Call Report it reported total assets of $1.4B, total deposits of $1.2B and net loans of $1.0B. Its primary federal regulator is OCC. Its current parent is SIGNATURE BANCORP, INC..
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SIGNATURE BANK NATIONAL ASSN is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: SIGNATURE BANK NATIONAL ASSN reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Common equity tier 1 ratio: SIGNATURE BANK NATIONAL ASSN reported 0.143, in the 61.9th percentile of 673 peers, where the median is 0.135. Selected CRE loans to gross loans and leases: SIGNATURE BANK NATIONAL ASSN reported 0.496, in the 59.2th percentile of 862 peers, where the median is 0.468. Selected CRE loans to total capital: SIGNATURE BANK NATIONAL ASSN reported 2.950, in the 48.8th percentile of 659 peers, where the median is 2.970. Domestic secured CRE noncurrent ratio: SIGNATURE BANK NATIONAL ASSN reported 0.014, in the 80.1th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: SIGNATURE BANK NATIONAL ASSN reported 0.873, in the 71.3th percentile of 902 peers, where the median is 0.850. Unadjusted YTD efficiency ratio: SIGNATURE BANK NATIONAL ASSN reported 0.488, in the 19.0th percentile of 887 peers, where the median is 0.596. Bank equity to assets: SIGNATURE BANK NATIONAL ASSN reported 0.124, in the 79.3th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: SIGNATURE BANK NATIONAL ASSN reported 0.204, in the 48.9th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: SIGNATURE BANK NATIONAL ASSN reported 0.026, in the 65.2th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: SIGNATURE BANK NATIONAL ASSN reported 0.782, in the 71.8th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: SIGNATURE BANK NATIONAL ASSN reported 0.907, in the 57.7th percentile of 890 peers, where the median is 0.881. Net interest margin: SIGNATURE BANK NATIONAL ASSN reported 3.967, in the 66.3th percentile of 902 peers, where the median is 3.704. Net loans and leases: SIGNATURE BANK NATIONAL ASSN reported 1024195.000, in the 32.3th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: SIGNATURE BANK NATIONAL ASSN reported 0.008, in the 70.5th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: SIGNATURE BANK NATIONAL ASSN reported 0.008, in the 67.4th percentile of 887 peers, where the median is 0.005. Return on assets: SIGNATURE BANK NATIONAL ASSN reported 1.571, in the 71.9th percentile of 902 peers, where the median is 1.260. Return on equity: SIGNATURE BANK NATIONAL ASSN reported 12.790, in the 54.9th percentile of 894 peers, where the median is 12.185. Securities to assets: SIGNATURE BANK NATIONAL ASSN reported 0.064, in the 17.6th percentile of 895 peers, where the median is 0.147. Selected unused commitments to assets: SIGNATURE BANK NATIONAL ASSN reported 0.031, in the 58.9th percentile of 417 peers, where the median is 0.025. Time deposits maturing within one year: SIGNATURE BANK NATIONAL ASSN reported 0.881, in the 38.5th percentile of 880 peers, where the median is 0.914. Total assets: SIGNATURE BANK NATIONAL ASSN reported 1309420.000, in the 22.5th percentile of 902 peers, where the median is 2016575.000. Total deposits: SIGNATURE BANK NATIONAL ASSN reported 1142597.000, in the 26.5th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): SIGNATURE BANK NATIONAL ASSN reported 0.488, in the 19.6th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): SIGNATURE BANK NATIONAL ASSN reported 0.040, in the 69.9th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.053, in the 56.8th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.014, in the 25.2th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: SIGNATURE BANK NATIONAL ASSN reported 0.039, in the 76.0th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.002, in the 5.3th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.020, in the 21.1th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: SIGNATURE BANK NATIONAL ASSN reported 0.001, in the 42.8th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: SIGNATURE BANK NATIONAL ASSN reported 0.020, in the 74.9th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.020, in the 74.5th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.016, in the 72.1th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.016, in the 75.4th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.986, in the 93.9th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.674, in the 30.0th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: SIGNATURE BANK NATIONAL ASSN reported 0.054, in the 43.7th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: SIGNATURE BANK NATIONAL ASSN reported 0.040, in the 68.3th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: SIGNATURE BANK NATIONAL ASSN reported 0.000, in the 8.4th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: SIGNATURE BANK NATIONAL ASSN reported 0.000, in the 0.0th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: SIGNATURE BANK NATIONAL ASSN reported 0.896, in the 58.0th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: SIGNATURE BANK NATIONAL ASSN reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: SIGNATURE BANK NATIONAL ASSN reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: SIGNATURE BANK NATIONAL ASSN reported 0.000, in the 22.1th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): SIGNATURE BANK NATIONAL ASSN reported 0.021, in the 72.1th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): SIGNATURE BANK NATIONAL ASSN reported 0.016, in the 72.1th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): SIGNATURE BANK NATIONAL ASSN reported 0.128, in the 54.3th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: SIGNATURE BANK NATIONAL ASSN reported 0.590, in the 95.8th percentile of 829 peers, where the median is 0.310.
Peer history below covers 26 quarters of SIGNATURE BANK NATIONAL ASSN's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Common equity tier 1 ratio | 0.143 | 0.135 | 61.9th | 673 |
| Selected CRE loans to gross loans and leases | 0.496 | 0.468 | 59.2th | 862 |
| Selected CRE loans to total capital | 2.950 | 2.970 | 48.8th | 659 |
| Domestic secured CRE noncurrent ratio | 0.014 | 0.003 | 80.1th | 872 |
| Deposit funding ratio | 0.873 | 0.850 | 71.3th | 902 |
| Unadjusted YTD efficiency ratio | 0.488 | 0.596 | 19.0th | 887 |
| Bank equity to assets | 0.124 | 0.104 | 79.3th | 894 |
| Cash and securities to assets | 0.204 | 0.208 | 48.9th | 895 |
| Quarterly loan growth | 0.026 | 0.018 | 65.2th | 886 |
| Loan-to-asset ratio | 0.782 | 0.732 | 71.8th | 902 |
| Domestic loans to domestic deposits | 0.907 | 0.881 | 57.7th | 890 |
| Net interest margin | 3.967 | 3.704 | 66.3th | 902 |
| Net loans and leases | 1024195.000 | 1384981.000 | 32.3th | 902 |
| Nonaccrual loans ratio | 0.008 | 0.005 | 70.5th | 887 |
| Noncurrent loans ratio | 0.008 | 0.005 | 67.4th | 887 |
| Return on assets | 1.571 | 1.260 | 71.9th | 902 |
| Return on equity | 12.790 | 12.185 | 54.9th | 894 |
| Securities to assets | 0.064 | 0.147 | 17.6th | 895 |
| Selected unused commitments to assets | 0.031 | 0.025 | 58.9th | 417 |
| Time deposits maturing within one year | 0.881 | 0.914 | 38.5th | 880 |
| Total assets | 1309420.000 | 2016575.000 | 22.5th | 902 |
| Total deposits | 1142597.000 | 1666886.000 | 26.5th | 902 |
| Efficiency ratio (official UBPR) | 0.488 | 0.591 | 19.6th | 875 |
| Net interest margin (official UBPR) | 0.040 | 0.036 | 69.9th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.053 | 0.052 | 56.8th | 875 |
| Interest Expense as a percent of Average Assets | 0.014 | 0.018 | 25.2th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.039 | 0.035 | 76.0th | 875 |
| Noninterest Income as a percent of Average Assets | 0.002 | 0.006 | 5.3th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.020 | 0.024 | 21.1th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.001 | 0.001 | 42.8th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.020 | 0.016 | 74.9th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.020 | 0.016 | 74.5th | 875 |
| Net Operating Income as a percent of Average Assets | 0.016 | 0.013 | 72.1th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.016 | 0.012 | 75.4th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.986 | 0.956 | 93.9th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.674 | 0.723 | 30.0th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.054 | 0.055 | 43.7th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.040 | 0.037 | 68.3th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.000 | 0.000 | 8.4th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.000 | 0.003 | 0.0th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.896 | 0.872 | 58.0th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22.1th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.021 | 0.017 | 72.1th | 875 |
| Return on assets (official UBPR) | 0.016 | 0.013 | 72.1th | 875 |
| Return on equity (official UBPR) | 0.128 | 0.122 | 54.3th | 874 |
| Estimated uninsured to domestic deposits | 0.590 | 0.310 | 95.8th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | P25–75 | P25–75 | < P25 | P25–75 | — |
| Net loansLNLSNET | < P25 | P25–75 | < P25 | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on assetsROA | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | > P75 | > P75 | > P75 | > P75 | P25–75 | P25–75 | — |
| Return on equityROE | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | > P75 | > P75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net interest marginNIMY | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.