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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.38% | 2.24% | 1.17% | 1.53% | 1.17% | 1.44% | 1.71% | +54 bps | |
| Return on Equity | 9.49% | 12.14% | 19.60% | 9.87% | 12.92% | 9.90% | 11.77% | 13.81% | +394 bps | |
| Net Interest Margin | 3.09% | 3.13% | 3.62% | 3.47% | 3.63% | 3.68% | 3.84% | 3.94% | +48 bps | |
| Efficiency Ratio | 57.68% | 57.22% | 59.57% | 51.98% | 48.03% | 51.80% | 51.57% | 46.13% | -586 bps | |
| Non-Interest Burden | 1.72% | 1.74% | 2.10% | 1.73% | 1.67% | 1.84% | 1.90% | 1.74% | 0 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% | -0.04% | 0.02% | -0.01% | 0.00% | +1 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 | |