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Signature Bank, National Association

Toledo, OH · Cert 57269 · Signature Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

70

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

83

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Signature Bank, National Association

Toledo, OH · Cert 57269 · Signature Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$1.3BAssets
$1.0BLoans
$1.1BDeposits
$161.9MEquity
Loan mix
70%RE $650.0M29%C&I $269.2M1%Consumer $8.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $885.1M23%Noninterest $257.5MQ2 2025Q2 2026

NIM

4.77%Q2 ’245.19%Q2 ’255.29%Q2 ’26+20%+9%

Non-interest income vs. expense

1.94%Q2 ’242.06%Q2 ’251.96%Q2 ’26+8%-6%

Market Position · Toledo, OH · 2026 SOD (annual) · 7.1% share · #5 of 22 inst. · $1.1B of $16.1B

Executive Summary

  • Earnings: ROA of 1.57%, down 14 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.84% of loans (+84 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.44%, up 42 bps from a year ago.
  • Funding: loans stand at 90.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+31 bps YoY

Efficiency Ratio (YTD, annualized)

48.79%-706 bps YoY

Tier 1 Leverage Ratio

12.44%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.64%1.53%1.44%1.57%-14 bps
Return on Equity14.70%14.09%13.00%11.77%12.79%-191 bps
Net Interest Margin3.55%3.54%3.47%3.84%3.86%+31 bps
Efficiency Ratio55.86%53.18%52.82%51.57%48.79%-706 bps
Non-Interest Burden1.92%1.82%1.77%1.90%1.81%-12 bps
Growth
Asset Growth (YoY)3.09%8.87%3.78%1.10%5.97%+288 bps
Loan Growth (YoY)1.81%4.76%6.52%5.49%7.11%+530 bps
Deposit Growth (YoY)2.16%8.83%2.85%0.24%5.62%+346 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.16%0.24%0.87%0.84%+84 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.01%-0.01%0.00%0 bps
Allowance / Loans1.08%1.08%1.11%1.14%1.12%+4 bps
Allowance Coverage of NPLsn/a6.8x4.6x1.3x1.3xn/a
Capital
Tier 1 Leverage Ratio12.02%12.01%11.83%12.41%12.44%+42 bps
Total Risk-Based Capital15.13%15.14%15.71%15.56%15.32%+19 bps
Equity / Assets12.10%11.62%12.06%12.42%12.36%+27 bps
Liquidity & Funding
Loans / Deposits89.39%85.12%87.95%90.29%90.66%+127 bps
Liquid Assets / Assets11.50%15.97%14.74%13.88%13.15%+165 bps
CRE / Total Capitaln/a313%322%325%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Signature Bank, National Association

Toledo, OH · Cert 57269 · Peer group: banks $1B-$10B in assets (n=311-317) · Signature Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$1.3BAssets
$1.0BLoans
$1.1BDeposits
$161.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 311).
  • Widest gap: nonperforming loans / loans trails 66% of banks $1B-$10B in assets (rank 207 of 311).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.56%

Rank 72 of 317

Net Interest Margin

3.86%

Rank 76 of 317

Efficiency Ratio

48.79%

Rank 56 of 317

Equity / Assets

12.36%

Rank 62 of 317

Non-interest income vs. expense

$2.0M$25.6MINCOMEEXPENSE
Unfavorable gap of $23.6M · efficiency ratio beats 83% of banks $1B-$10B in assets
Bank 48.79%Peer median 59.7%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.93%1.22%1.51%Beats 77%72 / 317
Return on Equity12.61%8.63%11.43%14.48%Beats 58%132 / 317
Net Interest Margin3.86%3.06%3.45%3.83%Beats 76%76 / 317
Efficiency Ratio48.79%51.90%59.69%67.53%Beats 83%56 / 317
Asset Quality
Nonperforming Loans / Loans0.84%0.24%0.51%1.14%Beats 34%207 / 311
Net Charge-Offs / Loans0.00%0.01%0.04%0.12%Beats 100%18 / 311
Capital
Tier 1 Capital Ratio14.27%11.75%13.15%15.30%Beats 65%111 / 317
Total Risk-Based Capital Ratio15.32%12.63%14.21%16.26%Beats 66%107 / 317
Equity / Assets12.36%9.06%10.32%11.95%Beats 80%62 / 317
Liquidity & Funding
Loans / Deposits90.66%76.63%88.04%95.67%59th pctl128 / 312
Loans / Assets79.11%65.41%74.05%79.71%71st pctl91 / 317
Brokered Deposits / Depositsn/aNot reported for this institution