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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