Visbanking Logo
Skip to main content

Signature Bank

IDRSSD: 3437483
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q3QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #3437483 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +1
98
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 69.9%, cash 20.7% of assets.

Cash / Assets
20.68%
Loans / Deposits
69.88%
Brokered %
2.95%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +1
98
Sub-score

Capital position is strong: Tier 1 RBC 14.65%, CET1 14.65%, leverage 10.12%.

Tier 1 RBC
14.65%
CET1
14.65%
Leverage
10.12%
No watch items at this period.

Asset Quality

StrongQoQ +8
87
Sub-score

Asset quality is strong: Adjusted NPL 1.75%, Texas Ratio 9.4%, NCO YTD 0.23%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.23%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -5
34
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 59.5%, true coverage 59.5%.

ALLL / Loans
1.03%
Coverage
59.5%
True Loss Coverage
59.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:36:52 UTC