Signature Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 10.50 percentage points lower than in Q1 2026, at 33.83%. Signature Bank, N.A. ranks 45th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 90.66% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Signature Bank, N.A. reported 90.66% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.04B |
| Net loans and leases | $1.02B |
| Loans held for sale | $0 |
| Loans to total assets | 79.11% |
| Loan-to-deposit ratio | 90.66% |
| Net loans to equity capital | 6.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.38% |
| Multifamily (5+ residential) | 6.31% |
| Commercial and industrial | 27.09% |
| Consumer | 0.95% |
| Credit cards | 0.02% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 192.31% |
| Construction concentration (Tier 1 capital + allowance) | 33.83% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.89% |
| Interest income on loans | $15.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $926.2M | $1.08B | 36.77% | 30.22% | 1.67% |
| Q4 2023 | $946.1M | $1.10B | 36.30% | 31.59% | 1.62% |
| Q1 2024 | $943.7M | $1.09B | 35.89% | 31.56% | 1.01% |
| Q2 2024 | $949.8M | $1.06B | 38.13% | 31.50% | 0.98% |
| Q3 2024 | $939.6M | $1.06B | 37.47% | 30.77% | 1.08% |
| Q4 2024 | $944.1M | $1.11B | 36.83% | 31.13% | 1.20% |
| Q1 2025 | $957.4M | $1.12B | 36.52% | 30.68% | 0.96% |
| Q2 2025 | $967.1M | $1.08B | 36.71% | 28.78% | 1.03% |
| Q3 2025 | $984.4M | $1.16B | 36.34% | 27.46% | 1.12% |
| Q4 2025 | $1.01B | $1.14B | 38.31% | 26.93% | 0.87% |
| Q1 2026 | $1.01B | $1.12B | 38.49% | 26.66% | 0.84% |
| Q2 2026 | $1.04B | $1.14B | 38.38% | 27.09% | 0.95% |
Signature Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Signature Bank, N.A., freeSource: Call Report Schedule RC-C, 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)