Total Assets
$2.0B
Total balance-sheet footings
FDIC Cert #58264 · Rosemont, Illinois · Est. 2006
Signature Bank - FDIC Bank Health Profile
A community-scale look at Signature Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.0B
- Total assets
- A
- Health grade · Excellent
- 1.87%
- Return on assets
- 16.3%
- Tier 1 capital
Data updated July 2026
The verdict
Signature Bank earns a PlainBankData health grade of A (90/100), with well-capitalized at 16.31% Tier 1, profitable at 1.87% ROA, efficient (41% cost ratio).
- #606
- largest of 4,313 FDIC banks by assets
- 86th
- percentile by asset size, nationally
- 16.31%
- Tier 1 ratio - above the 10% well-capitalized line
- 88th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Signature Bank's 90/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Signature Bank's composite health score
Tier 1 Capital Ratio (16.31%) 40/40
Return on Assets (ROA) (1.87%) 25/25
Texas Ratio (19.55%) 10/20
Efficiency Ratio (41.37%) 15/15
90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.7B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$38M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Signature Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Signature Bank's score of 90/100 falls in the highlighted band.
Signature Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Signature Bank's $2.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.31%
Texas Ratio
19.55%
Equity Capital
$215M
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.87%
Return on Equity (ROE)
19.76%
Efficiency Ratio
41.37%
What the numbers say about Signature Bank
Signature Bank is an FDIC-insured institution (Certificate #58264) headquartered in Rosemont, Illinois, established in 2006. It holds $2.0B in total assets - 606th of 4,313 FDIC-insured banks, $1.7B in customer deposits, and $1.3B in net loans. Looking at capital strength, Tier 1 stands at 16.31%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 19.55%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (90/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, Signature Bank ranks 39th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$111M
Interest Income
$9M
Non-Interest Income
$38M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Signature Bank reports a Texas Ratio of 19.55% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
19.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Signature Bank (FDIC Cert #58264) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Signature Bank's health grade?▼
Signature Bank receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Signature Bank?▼
Signature Bank holds $2.0B in total assets and $1.7B in deposits, ranking 606th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rosemont, Illinois.
Is my money safe at Signature Bank?▼
Yes, deposits at Signature Bank (Certificate #58264) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Signature Bank's Tier 1 Capital Ratio?▼
Signature Bank has a Tier 1 Capital Ratio of 16.31%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Signature Bank?▼
Signature Bank has a Texas Ratio of 19.55%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Signature Bank?▼
Signature Bank has an Efficiency Ratio of 41.37%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Signature Bank's profile as a depositor or analyst.
- Signature Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Signature Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.