BlastPoint's Banking Scorecard
Signature Bank
Community
Specialty: Commercial
IL
FDIC cert 58264
Rosemont, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Signature Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 69% in Community
- + Efficiency Ratio 21.26% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 7% in Community
- - Delinquency Rate 2.90% above tier
- - Nonperforming Asset Ratio 1.83% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
-8.5% YoY
+1.7% QoQ
|
+$602.1M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.3B
+5.3% YoY
+0.2% QoQ
|
+$288.2M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.7B
-7.1% YoY
-0.1% QoQ
|
+$563.2M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.87%
+6.3% YoY
-0.1% QoQ
|
+0.71% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.22%
+2.5% YoY
+1.6% QoQ
|
+0.56% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
41.37%
+1.7% YoY
+3.2% QoQ
|
-21.26% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
3.53%
+90.5% YoY
+11.3% QoQ
|
+2.90% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
73.14%
+13.4% YoY
+0.3% QoQ
|
-9.93% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
34.57%
-3.6% YoY
-2.4% QoQ
|
+13.53% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
2.33%
+128.5% YoY
+9.2% QoQ
|
+1.83% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
16.31%
+9.4% YoY
+2.3% QoQ
|
+6.06% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.44%
+12.5% YoY
+34.5% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#104 of 150 · Top 69% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
34.57%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.22%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
41.37%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Deposit Outflow
decline
#18 of 248 · Bottom 7% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.53%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.33%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Efficiency Ratio
Current: 41.37% · Tier avg: 62.63%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.57% · Tier avg: 21.05%
88
88th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.31% · Tier avg: 10.24%
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
78
78th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.14% · Tier avg: 83.06%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.33% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.53% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.53% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.33% · Tier avg: 0.50%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.14% · Tier avg: 83.06%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
78
78th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
84
84th pctile
Tier 1 Capital Ratio
Current: 16.31% · Tier avg: 10.24%
88
88th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.57% · Tier avg: 21.05%
94
94th pctile
Efficiency Ratio
Current: 41.37% · Tier avg: 62.63%