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Signature Bank of Georgia

Sandy Springs, GA · Cert 58103

FDIC · 2 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=21 to 22). 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

65

Q2 2024Q4 2025peer median (50)

Asset Quality

81

Q2 2024Q4 2025peer median (50)

Profitability

32

Q2 2024Q4 2025peer median (50)

Liquidity

100

Q2 2024Q4 2025peer median

Efficiency

9

Q2 2024Q4 2025peer 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 2026-10-11

Signature Bank of Georgia

Sandy Springs, GA · Cert 58103

FDIC · 2 branches

Q4 2025

$274.0MAssets
$197.8MLoans
$235.3MDeposits
$37.3MEquity
Loan mix
93%RE $183.3M7%C&I $14.8M0%Consumer $0.0MQ4 2024Q4 2025
Deposit mix
77%Interest-bearing $181.9M23%Noninterest $53.4MQ4 2024Q4 2025

NIM

6.10%Q4 ’236.46%Q4 ’246.57%Q4 ’25-15%+1%

Non-interest income vs. expense

4.40%Q4 ’234.56%Q4 ’244.12%Q4 ’25-3%-9%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 0.1% share · #47 of 80 inst. · $0.2B of $246.0B

Executive Summary

  • Earnings: ROA of 0.94%, up 35 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.08% of loans (+8 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 13.27%, down 40 bps from a year ago.
  • Funding: loans stand at 84.06% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.94%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+4 bps YoY

Efficiency Ratio (YTD, annualized)

79.94%-722 bps YoY

Tier 1 Leverage Ratio

13.27%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.59%0.90%0.92%0.84%0.94%+35 bps
Return on Equity4.13%6.56%6.79%6.14%6.91%+278 bps
Net Interest Margin4.26%4.64%4.50%4.40%4.30%+4 bps
Efficiency Ratio87.16%74.23%78.04%81.29%79.94%-722 bps
Non-Interest Burden3.53%3.12%3.21%3.34%3.22%-31 bps
Growth
Asset Growth (YoY)8.75%19.22%17.89%9.50%11.54%+279 bps
Loan Growth (YoY)16.02%21.40%17.93%12.29%3.13%-1,288 bps
Deposit Growth (YoY)6.43%14.12%15.42%4.94%14.58%+816 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.35%0.24%0.11%0.08%+8 bps
Net Charge-Offs / Loans0.03%0.12%0.37%0.24%0.18%+16 bps
Allowance / Loans1.15%1.30%1.07%1.08%1.12%-3 bps
Allowance Coverage of NPLsn/a3.8x4.5x10.1x14.5xn/a
Capital
Tier 1 Leverage Ratio13.67%13.63%13.87%13.26%13.27%-40 bps
Total Risk-Based Capital17.10%17.81%17.14%17.58%18.51%+141 bps
Equity / Assets13.61%13.83%13.28%13.70%13.60%-1 bps
Liquidity & Funding
Loans / Deposits93.39%95.35%99.97%97.59%84.06%-933 bps
Liquid Assets / Assets6.71%8.12%8.25%8.10%15.31%+860 bps
CRE / Total Capitaln/an/an/a525%494%n/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 2026-10-11

Signature Bank of Georgia

Sandy Springs, GA · Cert 58103 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=21-22)

FDIC · 2 branches

Q4 2025

$274.0MAssets
$197.8MLoans
$235.3MDeposits
$37.3MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 11 of 22).
  • Widest gap: efficiency ratio trails 91% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 21 of 22).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.89%

Rank 17 of 22

Net Interest Margin

4.30%

Rank 9 of 22

Efficiency Ratio

79.94%

Rank 21 of 22

Equity / Assets

13.60%

Rank 4 of 22

Non-interest income vs. expense

$2.5M$11.2MINCOMEEXPENSE
Unfavorable gap of $8.8M · efficiency ratio beats 9% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 79.94%Peer median 60.6%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.89%1.47%1.76%Beats 23%17 / 22
Return on Equity6.55%7.08%13.64%16.70%Beats 14%19 / 22
Net Interest Margin4.30%3.39%4.03%4.46%Beats 59%9 / 22
Efficiency Ratio79.94%53.48%60.62%67.72%Beats 9%21 / 22
Asset Quality
Nonperforming Loans / Loans0.08%0.12%0.60%1.23%Beats 81%5 / 21
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.26%13.66%15.64%19.07%Beats 55%10 / 22
Total Risk-Based Capital Ratio18.51%14.91%16.89%20.29%Beats 59%9 / 22
Equity / Assets13.60%9.01%11.73%13.14%Beats 82%4 / 22
Liquidity & Funding
Loans / Deposits84.06%71.04%84.06%92.44%48th pctl11 / 21
Loans / Assets72.17%63.56%72.17%77.62%48th pctl11 / 21
Brokered Deposits / Deposits0.00%n/a0.03%8.65%Beats 100%11 / 22