Toledo, OH · Cert 57269 · Signature Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
67
Profitability
71
Liquidity
81
Efficiency
82
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.
Toledo, OH · Cert 57269 · Signature Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Toledo, OH · 2026 SOD (annual) · 7.1% share · #5 of 22 inst. · $1.1B of $16.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.05% | 2.24% | 1.71% | 1.64% | 1.53% | 1.44% | 1.57% | -14 bps | |
| Return on Equity | 8.50% | 9.44% | 19.60% | 14.70% | 14.09% | 13.00% | 11.77% | 12.79% | -191 bps | |
| Net Interest Margin | 3.00% | 2.95% | 3.62% | 3.55% | 3.54% | 3.47% | 3.84% | 3.86% | +31 bps | |
| Efficiency Ratio | 60.73% | 59.81% | 59.57% | 55.86% | 53.18% | 52.82% | 51.57% | 48.79% | -706 bps | |
| Non-Interest Burden | 1.76% | 1.71% | 2.10% | 1.92% | 1.82% | 1.77% | 1.90% | 1.81% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | 2.07% | 3.32% | 3.09% | 8.87% | 3.78% | 1.10% | 5.97% | +288 bps | |
| Loan Growth (YoY) | 1.45% | -0.21% | 1.45% | 1.81% | 4.76% | 6.52% | 5.49% | 7.11% | +530 bps | |
| Deposit Growth (YoY) | -1.90% | 1.36% | 2.39% | 2.16% | 8.83% | 2.85% | 0.24% | 5.62% | +346 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 1.36% | 0.00% | 0.00% | 0.16% | 0.24% | 0.87% | 0.84% | +84 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.02% | -0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.62% | 1.50% | 1.04% | 1.08% | 1.08% | 1.11% | 1.14% | 1.12% | +4 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | n/a | n/a | 6.8x | 4.6x | 1.3x | 1.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.90% | 11.68% | 11.87% | 12.02% | 12.01% | 11.83% | 12.41% | 12.44% | +42 bps | |
| Total Risk-Based Capital | 15.11% | 14.96% | 15.03% | 15.13% | 15.14% | 15.71% | 15.56% | 15.32% | +19 bps | |
| Equity / Assets | 11.52% | 11.28% | 11.62% | 12.10% | 11.62% | 12.06% | 12.42% | 12.36% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.42% | 84.92% | 85.79% | 89.39% | 85.12% | 87.95% | 90.29% | 90.66% | +127 bps | |
| Liquid Assets / Assets | 8.08% | 13.04% | 13.60% | 11.50% | 15.97% | 14.74% | 13.88% | 13.15% | +165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 313% | 322% | 325% | n/a | n/a | |
Toledo, OH · Cert 57269 · Peer group: banks $1B-$10B in assets (n=313-319) · Signature Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets
1.56%
Rank 74 of 319
Net Interest Margin
3.86%
Rank 75 of 319
Efficiency Ratio
48.79%
Rank 57 of 319
Equity / Assets
12.36%
Rank 63 of 319
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.91% | 1.21% | 1.53% | Beats 77% | 74 / 319 | ||
| Return on Equity | 12.61% | 8.49% | 11.44% | 14.57% | Beats 59% | 132 / 319 | ||
| Net Interest Margin | 3.86% | 3.06% | 3.43% | 3.81% | Beats 76% | 75 / 319 | ||
| Efficiency Ratio | 48.79% | 51.90% | 59.57% | 67.64% | Beats 82% | 57 / 319 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.25% | 0.54% | 1.18% | Beats 34% | 208 / 313 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 100% | 16 / 313 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.27% | 11.74% | 12.99% | 15.28% | Beats 66% | 110 / 319 | ||
| Total Risk-Based Capital Ratio | 15.32% | 12.61% | 14.01% | 16.23% | Beats 67% | 105 / 319 | ||
| Equity / Assets | 12.36% | 9.03% | 10.33% | 12.01% | Beats 80% | 63 / 319 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.66% | 76.76% | 88.16% | 95.43% | 60th pctl | 127 / 314 | ||
| Loans / Assets | 79.11% | 65.79% | 74.05% | 79.84% | 71st pctl | 92 / 319 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||