Signature Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The largest change between Q1 2026 and Q2 2026 was in Loans and leases to core deposits, which rose 0.68 percentage points to 95.72%. Signature Bank, N.A. ranks 45th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 90.66% (Q2 2026). At 90.66%, Signature Bank, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $183.2M |
| Cash and noninterest-bearing balances to assets | 13.99% |
| Cash and securities | $267.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.66% |
| Net loans and leases to deposits | 89.64% |
| Loans and leases to core deposits | 95.72% |
| Core deposits to total deposits | 94.71% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 85.51% | 94.69% | $0 | $0 |
| Q4 2023 | 86.25% | 92.52% | $0 | $0 |
| Q1 2024 | 86.59% | 92.60% | $0 | $0 |
| Q2 2024 | 89.69% | 91.76% | $0 | $0 |
| Q3 2024 | 88.42% | 93.71% | $0 | $0 |
| Q4 2024 | 84.92% | 94.23% | $0 | $0 |
| Q1 2025 | 85.79% | 94.43% | $0 | $0 |
| Q2 2025 | 89.39% | 94.17% | $0 | $0 |
| Q3 2025 | 85.12% | 94.53% | $0 | $0 |
| Q4 2025 | 87.95% | 95.33% | $0 | $0 |
| Q1 2026 | 90.29% | 95.00% | $0 | $0 |
| Q2 2026 | 90.66% | 94.71% | $0 | $0 |
Signature Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Signature Bank, N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Signature Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57269) · FFIEC NIC profile (RSSD 3076604)