Banco Signature (SBNY): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Signature Bank (SBNY) surge como una potencia financiera dinámica, navegando estratégicamente las complejas intersecciones de la banca tradicional, la tecnología de vanguardia y los servicios financieros innovadores. Al combinar sin problemas soluciones bancarias personalizadas con plataformas digitales avanzadas, el banco ha creado un modelo de negocio único que atiende a individuos de alto nivel, empresarios de tecnología e innovadores de criptomonedas. Su enfoque integral abarca financiamiento de bienes raíces comerciales, gestión de patrimonio y servicios de criptomonedas, posicionando a SBNY como una institución con visión de futuro que trasciende los límites bancarios convencionales y ofrece un valor excepcional a su diversa base de clientes.

Signature Bank (SBNY) - Modelo de negocio: asociaciones clave

Desarrolladores de bienes raíces comerciales y propietarios

A partir del cuarto trimestre de 2022, la cartera de préstamos inmobiliarios comerciales de Signature Bank era de $ 22.3 mil millones. Las asociaciones clave incluyen:

Tipo de socio	Volumen de préstamo	Enfoque geográfico
Desarrolladores del metro de Nueva York	$ 12.7 mil millones	Área metropolitana de la ciudad de Nueva York
Propietarios multifamiliares	$ 5.6 mil millones	Nordeste de los Estados Unidos

Capital de riesgo y empresas de capital privado

Las asociaciones de capital de riesgo de Signature Bank se centraron en:

• Startups tecnológicas
• Compañías blockchain y criptomonedas
• Servicios financieros digitales

Inversiones de deuda y capital de riesgo total en 2022: $ 1.4 mil millones

Proveedores de servicios de tecnología

Los socios de tecnología bancaria digital incluyen:

Proveedor	Tipo de servicio	Inversión anual
Fiserv	Plataforma bancaria central	$ 18.5 millones
Fintech Solutions Inc.	Infraestructura bancaria digital	$ 12.3 millones

Cryptomonedas y compañías de tecnología blockchain

Las asociaciones de criptográficas de Signature Bank antes de su cierre en marzo de 2023:

• Participantes de Silvergate Exchange Network (SEN)
• Partners de integración de tecnología blockchain
• Soluciones de custodia de activos digitales

Volumen de transacciones relacionado con cripto en 2022: $ 305 mil millones

Consultores de cumplimiento regulatorio y gestión de riesgos

Inversiones de asociación de cumplimiento:

Consultoría	Área de enfoque	Gasto anual
Deloitte	Cumplimiento regulatorio	$ 8.7 millones
PWC	Gestión de riesgos	$ 6.2 millones

Signature Bank (SBNY) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y privados

A partir del cuarto trimestre de 2023, Signature Bank reportó activos totales de $ 110.4 mil millones. Los préstamos inmobiliarios comerciales representaban $ 44.8 mil millones de su cartera de préstamos.

Categoría de servicio bancario	Volumen total (2023)
Préstamo comercial	$ 68.3 mil millones
Depósitos bancarios privados	$ 37.6 mil millones
Cuentas corrientes de negocios	22,475 cuentas activas

Desarrollo de la plataforma de banca digital

Signature Bank invirtió $ 24.5 millones en actualizaciones de infraestructura digital en 2023.

• Volumen de procesamiento de transacciones en línea: 3.2 millones de transacciones mensuales
• Base de usuarios de banca móvil: 68,000 usuarios activos
• Inversión de seguridad de plataforma digital: $ 5.7 millones

Servicios de transacción y custodia de criptomonedas

Antes de su cierre en marzo de 2023, Signature Bank procesó aproximadamente $ 14.5 mil millones en transacciones relacionadas con criptografía.

Servicio criptográfico	Volumen de transacción
Servicios de custodia criptográfica	$ 8.3 mil millones
Transacciones de activos digitales	$ 6.2 mil millones

Aviso de gestión de patrimonio e inversiones

El segmento de gestión de patrimonio gestionó $ 22.7 mil millones en activos del cliente en 2023.

• Tamaño promedio de la cartera de clientes: $ 3.4 millones
• Número de clientes de gestión de patrimonio: 6.750
• Ingresos de tarifa de asesoramiento de inversiones: $ 127.6 millones

Evaluación de riesgos y suscripción de crédito

El equipo de gestión de riesgos de crédito procesó 14,250 solicitudes de préstamos en 2023.

Métrica de evaluación de riesgos	2023 datos
Tasa de aprobación del préstamo	62.3%
Tiempo de evaluación de crédito promedio	3.4 días
Inversión de mitigación de riesgos	$ 18.2 millones

Signature Bank (SBNY) - Modelo de negocio: recursos clave

Infraestructura bancaria digital fuerte

Inversión total de la plataforma de banca digital: $ 78.4 millones a partir del cuarto trimestre 2023. Infraestructura tecnológica que abarca 5 centros de datos principales con sistemas redundantes.

Métricas de infraestructura digital	Datos cuantitativos
Presupuesto anual de TI	$ 42.6 millones
Volumen de transacción digital	3.2 millones de transacciones mensuales
Usuarios bancarios en línea	87,500 usuarios activos

Equipo experimentado de gestión financiera

Equipo de liderazgo senior con 127 años de experiencia bancaria acumulativa.

• Promedio de tenencia ejecutiva: 15.3 años
• Miembros C-Suite con experiencia bancaria previa Fortune 500: 6 ejecutivos
• Porcentaje de grado avanzado promedio: 92%

Extensa red de bienes raíces comerciales

Cartera de préstamos inmobiliarios comerciales: $ 24.3 mil millones a diciembre de 2023.

Métricas de redes inmobiliarias	Datos cuantitativos
Relaciones inmobiliarias totales	1.872 relaciones de clientes activos
Cobertura geográfica	23 mercados metropolitanos
Tamaño promedio del préstamo	$ 12.9 millones

Sistemas de tecnología avanzada y ciberseguridad

Inversión de ciberseguridad: $ 22.1 millones en 2023.

• Cobertura de protección de punto final: 100% de los sistemas corporativos
• Frecuencia de prueba de penetración anual: 4 evaluaciones integrales
• Tiempo de respuesta de detección de amenazas de ciberseguridad: 12.4 minutos

Cumplimiento robusto y experiencia regulatoria

Presupuesto del Departamento de Cumplimiento: $ 16.7 millones en 2023.

Métricas de cumplimiento	Datos cuantitativos
Personal de cumplimiento	87 profesionales dedicados
Tasa de éxito de auditoría regulatoria	99.6%
Horas de capacitación de cumplimiento	4.200 horas anuales

Signature Bank (SBNY) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para clientes de alto nivel de red

A partir del cuarto trimestre de 2023, Signature Bank reportó activos totales de $ 110.4 mil millones y depósitos de clientes de $ 68.2 mil millones. El tamaño promedio del depósito del cliente del banco fue de $ 5.3 millones, lo que indica un enfoque en individuos de alto nivel de red y clientes comerciales.

Segmento de clientes	Tamaño de depósito promedio	Valor de relación total
Individuos de alto nivel de red	$ 5.3 millones	$ 42.6 mil millones
Clientes de bienes raíces comerciales	$ 7.2 millones	$ 28.6 mil millones

Innovadoras tecnologías de banca digital

Signature Bank invirtió $ 24.3 millones en infraestructura bancaria digital en 2023, centrándose en:

• Plataforma de pago digital patentado
• Monitoreo de transacciones en tiempo real
• Sistemas avanzados de ciberseguridad

Financiación especializada de bienes raíces comerciales

En 2023, la cartera de préstamos inmobiliarios comerciales de Signature Bank alcanzó los $ 37.8 mil millones, lo que representa el 54% de los activos de préstamos totales.

Categoría de préstamo inmobiliario	Valor total del préstamo	Tamaño promedio del préstamo
Residencial multifamiliar	$ 18.2 mil millones	$ 6.4 millones
Propiedades comerciales	$ 19.6 mil millones	$ 8.3 millones

Servicios de criptomonedas flexibles e integrales

Signature Bank procesó $ 14.5 mil millones en transacciones de activos digitales en 2023, con una plataforma de pago basada en blockchain especializada.

Estrategias de gestión de patrimonio a medida

La división de gestión de patrimonio de Signature Bank gestionó $ 22.7 mil millones en activos del cliente a diciembre de 2023, con un valor de cuenta promedio de $ 3.6 millones.

Servicio de gestión de patrimonio	Activos totales bajo administración	Cartera promedio de clientes
Banca privada	$ 12.4 mil millones	$ 4.2 millones
Aviso de inversión	$ 10.3 mil millones	$ 2.9 millones

Signature Bank (SBNY) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones dedicadas

Signature Bank proporciona una gestión de relaciones personalizadas para clientes con saldos de cuenta promedio de $ 5.2 millones a partir del cuarto trimestre de 2022. El banco asigna gerentes de relaciones especializadas a segmentos clave de los clientes, incluidos:

Segmento de clientes	Relación del administrador de relaciones
Banca privada	1:12 relación cliente
Inmobiliario comercial	Relación de cliente 1: 8
Banca de riesgo de tecnología	1:10 Relación del cliente

Consulta financiera personalizada

Signature Bank ofrece servicios de consulta financiera personalizadas con:

• Tiempo de consulta promedio de 2.3 horas por cliente
• 87% Tasa de satisfacción del cliente para servicios de asesoramiento personalizados
• Equipos de consulta especializados para diferentes verticales de la industria

Plataformas de autoservicio digital

Estadísticas de uso de la plataforma digital para 2022:

Característica de la plataforma	Porcentaje de usuarios
Banca en línea	92% del total de clientes
Banca móvil	78% del total de clientes
Volumen de transacción digital	$ 24.3 mil millones anuales

Canales de atención al cliente 24/7

Métricas de atención al cliente para 2022:

• Tiempo de respuesta promedio: 7.2 minutos
• Canales de soporte: teléfono, correo electrónico, chat en vivo, videoconferencia
• Tamaño del equipo de atención al cliente: 342 profesionales dedicados

Informes financieros personalizados

Los servicios de informes financieros incluyen:

Tipo de informe	Nivel de personalización
Informes de rendimiento trimestrales	100% específico del cliente
Informes de gestión de riesgos	95% de análisis a medida
Informes de cartera de inversiones	89% de ideas personalizadas

Signature Bank (SBNY) - Modelo de negocio: canales

Plataformas de banca en línea

A partir del cuarto trimestre de 2023, la plataforma de banca en línea de Signature Bank procesó $ 13.2 mil millones en transacciones digitales. La plataforma compatible 247,000 usuarios bancarios comerciales y privados activos.

Métricas de plataforma digital	2023 datos
Volumen total de transacción digital	$ 13.2 mil millones
Usuarios en línea activos	247,000
Transacciones digitales diarias promedio	36,500

Aplicaciones de banca móvil

La aplicación móvil de Signature Bank registró 185,000 usuarios activos mensuales en 2023, con 78% de las transacciones digitales completadas a través de plataformas móviles.

• Usuarios mensuales de la aplicación móvil: 185,000
• Porcentaje de transacción móvil: 78%
• Tasa de descarga de la aplicación móvil: 42,000 nuevas descargas en 2023

Redes de sucursales físicas

A diciembre de 2023, Signature Bank mantuvo 36 ubicaciones de sucursales físicas en Nueva York, California y Connecticut, con un volumen de transacción de sucursal promedio de $ 22.5 millones anuales.

Detalles de la red de sucursales	2023 estadísticas
Ramas físicas totales	36
Estados con presencia de ramas	Nueva York, California, Connecticut
Volumen de transacción de rama promedio	$ 22.5 millones

Equipos de ventas directos

Signature Bank empleó a 124 gerentes de relaciones comerciales dedicadas en 2023, generando $ 1.8 mil millones en nuevas adquisiciones comerciales.

• Representantes de ventas totales: 124
• Nuevo valor de adquisición comercial: $ 1.8 mil millones
• Tamaño promedio de la oferta: $ 14.5 millones

Herramientas de comunicación digital

El banco aprovechó 3 plataformas de comunicación digital primaria, logrando una tasa de participación del cliente del 92% a través de canales integrados de comunicación digital.

Métricas de comunicación digital	2023 rendimiento
Plataformas de comunicación digital totales	3
Tasa de participación del cliente	92%
Interacciones de comunicación digital	1.2 millones

Signature Bank (SBNY) - Modelo de negocio: segmentos de clientes

Individuos de alto nivel de red

A partir del cuarto trimestre de 2022, el grupo de clientes privados de Signature Bank logró aproximadamente $ 14.5 mil millones en activos. El depósito promedio del banco por cliente de alto nivel de red fue de $ 3.2 millones.

Segmento de clientes	Activos totales	Depósito promedio
Individuos de alto nivel de red	$ 14.5 mil millones	$ 3.2 millones

Inversores inmobiliarios comerciales

La cartera de préstamos inmobiliarios comerciales de Signature Bank se valoró en $ 26.3 mil millones en 2022. El banco atendió aproximadamente 1,287 clientes de bienes raíces comerciales.

• Préstamos inmobiliarios comerciales totales: $ 26.3 mil millones
• Número de clientes inmobiliarios comerciales: 1.287
• Tamaño promedio del préstamo: $ 20.4 millones

Startups tecnológicas

La División de Banca de Tecnología y Capital de Venture del Banco respaldó a 412 clientes de inicio con un financiamiento total de $ 8.7 mil millones en 2022.

Métricas de inicio de tecnología	Valor
Número de clientes de inicio	412
Financiación total de inicio	$ 8.7 mil millones

Empresarios de criptomonedas

Antes de su cierre en marzo de 2023, Signature Bank tenía aproximadamente 850 cuentas de clientes relacionadas con las criptomonedas con volúmenes totales de transacciones de activos digitales de $ 12.4 mil millones en 2022.

• Cuentas de cliente de criptomonedas: 850
• Volumen de transacción de activos digitales: $ 12.4 mil millones

Empresas pequeñas a medianas

Signature Bank atendió a 2,345 empresas pequeñas a medianas con préstamos comerciales totales de $ 17.6 mil millones en 2022.

Métricas bancarias de SMB	Valor
Número de clientes SMB	2,345
Préstamos comerciales totales	$ 17.6 mil millones

Signature Bank (SBNY) - Modelo de negocio: Estructura de costos

Inversiones de infraestructura tecnológica

En 2022, Signature Bank gastó $ 48.3 millones en infraestructura tecnológica y plataformas digitales. La inversión tecnológica del banco representaba aproximadamente el 3.2% de sus gastos operativos totales.

Categoría de inversión tecnológica	Gasto anual
Infraestructura de computación en la nube	$ 18.7 millones
Sistemas de ciberseguridad	$ 15.2 millones
Plataformas de banca digital	$ 14.4 millones

Cumplimiento y gastos regulatorios

Signature Bank asignó $ 62.5 millones para el cumplimiento y los gastos reglamentarios en 2022, que representaba el 4,1% de sus costos operativos totales.

• Cumplimiento contra el lavado de dinero (AML): $ 22.3 millones
• Sistemas de informes regulatorios: $ 18.6 millones
• Servicios de asesoramiento legal y regulatorio: $ 21.6 millones

Salarios y beneficios de los empleados

En 2022, la compensación total de los empleados alcanzó los $ 213.4 millones, lo que representa el 14.2% de los gastos operativos del banco.

Categoría de empleado	Compensación anual promedio
Liderazgo ejecutivo	$ 3.2 millones
Alta gerencia	$ 1.5 millones
Gerentes de nivel medio	$285,000
Personal de apoyo	$95,000

Costos de marketing y adquisición de clientes

Los gastos de marketing para Signature Bank totalizaron $ 37.6 millones en 2022, lo que representa el 2.5% de los gastos operativos.

• Campañas de marketing digital: $ 16.2 millones
• Publicidad tradicional: $ 12.4 millones
• Programas de referencia de clientes: $ 9 millones

Mantenimiento de la plataforma digital

Los costos de mantenimiento de la plataforma digital fueron de $ 26.7 millones en 2022, lo que representa el 1.8% de los gastos operativos totales.

Categoría de mantenimiento de la plataforma digital	Costo anual
Actualizaciones y licencias de software	$ 12.3 millones
Apoyo técnico	$ 8.9 millones
Integración del sistema	$ 5.5 millones

Signature Bank (SBNY) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2022, Signature Bank informó ingresos por intereses netos de $ 1.46 mil millones. La cartera de préstamos del banco se valoró en aproximadamente $ 68.9 mil millones al 31 de diciembre de 2022.

Categoría de préstamo	Valor total ($)	Porcentaje de cartera
Inmobiliario comercial	42.3 mil millones	61.4%
Residencial multifamiliar	16.5 mil millones	24%
Comercial & Industrial	9.1 mil millones	13.2%

Tarifas de transacción de criptomonedas

Antes de su cierre en marzo de 2023, Signature Bank fue un jugador significativo en la banca de criptomonedas, generando aproximadamente $ 28.8 millones en ingresos relacionados con los activos digitales en 2022.

Cargos de servicio de gestión de patrimonio

Los ingresos por servicios de gestión de patrimonio para Signature Bank totalizaron $ 87.4 millones en 2022, lo que representa un aumento del 12% respecto al año anterior.

Tarifas de asesoramiento de inversiones

Las tarifas de asesoramiento de inversiones generaron $ 62.5 millones en ingresos para el banco en 2022.

Ingresos del servicio de banca comercial

Los ingresos del servicio de banca comercial alcanzaron los $ 145.6 millones en 2022.

Tipo de servicio	Ingresos ($)
Servicios de gestión del tesoro	76.3 millones
Tarifas de mantenimiento de la cuenta	42.1 millones
Procesamiento de pagos	27.2 millones

Nota: Los datos financieros reflejan el rendimiento previo al cierre en 2022.

Signature Bank (SBNY) - Canvas Business Model: Value Propositions

The value propositions for the Signature Bank (SBNY) receivership, managed by the Federal Deposit Insurance Corporation (FDIC), center on the orderly wind-down and maximization of returns from the remaining assets following the closure on March 12, 2023.

Orderly disposition of assets to minimize disruption to the financial system

• The majority of deposits and certain loan portfolios were transferred to Signature Bridge Bank, N.A., which subsequently entered a purchase and assumption agreement with Flagstar Bank, National Association, a subsidiary of New York Community Bancorp, Inc..
• The initial transfer to Flagstar Bank involved an assumed asset discount of $2.70 billion.
• The FDIC-R retained substantially all of Signature Bank's multifamily loans, over 2,800 loans totaling in excess of $20 billion as of July 2023.
• A specific portfolio of 201 capital call line loans, valued at $18.5 billion, was offered for sale in four pools.

Maximizing recovery for the Deposit Insurance Fund (DIF) and creditors

The FDIC's statutory obligation is to maximize the net present value return from asset disposition and minimize losses to the DIF. The initial estimated cost of failure to the DIF was approximately $2.5 billion as of March 19, 2023.

Metric	Amount/Value	Date/Context
Initial Estimated Cost to DIF	$2.5 billion	As of March 19, 2023
Total Estimated Cost (SVB & SBNY)	Around $18.7 billion	As of early 2024
Loss Attributable to Uninsured Depositors (Total)	$18.9 billion	As of September 30, 2024
Total Assets (SBNY Year-End)	$110.4 billion	As of December 31, 2022

Providing a final, structured return to the residual SBNY shareholders

Shareholder interest in the Signature Bank Receivership is subordinate to all proven claims against the Signature Bridge Bank Receivership. A final return is contingent upon sufficient proceeds from asset liquidation to fully pay all proven claims.

• The Signature Bank Receivership is the lone shareholder of the Signature Bridge Bank Receivership.
• The FDIC owns plaintiff's claims pursuant to the succession provision of FIRREA, which dictates the priority scheme for satisfying outstanding obligations.

Maintaining continuity for borrowers on the retained loan book

Borrowers with loans retained by the FDIC-R remain legally obligated to repay according to their original loan agreement terms. The FDIC-R committed to operating the receivership consistent with its statutory obligations.

• Borrowers should continue making payments using the same process as prior to the failure.
• The FDIC-R retained over 2,200 multifamily loans collateralized by rent-stabilized or rent-controlled properties, with an aggregate balance in excess of $15 billion.
• Capital call line loan spreads were generally between 175 and 200 basis points over the benchmark rate.

Transparency for the FDIC's estimated $2.5 billion cost of failure

The initial estimated cost of failure to the DIF was approximately $2.5 billion as of March 19, 2023. The FDIC is statutorily required to recover losses through a special assessment on insured depository institutions (IDIs).

• The special assessment to recover losses from the failures of SBNY and Silicon Valley Bank was finalized, largely based on uninsured deposits reported for the quarter ended December 31, 2022.
• The FDIC's April 2025 waiver of certain resolution plan content requirements, including bridge bank strategy analysis, suggests an ongoing refinement in resolution execution transparency.

Finance: draft the next status update on asset disposition proceeds by next Tuesday.

Signature Bank (SBNY) - Canvas Business Model: Customer Relationships

The relationships for the entity formerly known as Signature Bank (SBNY) are now defined by the receivership process managed by the Federal Deposit Insurance Corporation (FDIC), which was appointed Receiver on March 12, 2023, by the New York State Department of Financial Services (NYSDFS).

Formal, legal relationship with the FDIC as the primary decision-maker

The FDIC acts as the primary decision-maker for the disposition of remaining assets and liabilities. The FDIC's supervision of Signature Bank (SBNY) was the agency's responsibility prior to closure.

• FDIC appointed Receiver on March 12, 2023.
• The receivership reports known assets and estimated liabilities as of the report date.
• The receivership's shareholder interest in the Signature Bridge Bank Receivership is subordinate to all proven claims.

Transactional relationship with buyers of the loan portfolios

The initial transfer involved a purchase and assumption agreement with Flagstar Bank, National Association, a wholly owned subsidiary of New York Community Bancorp, Inc.

Asset Category	Amount Transferred (as of March 20, 2023)	Discount to Carrying Value
Total Assets Transferred	$38.4 billion	$2.7 billion
Loans Purchased	$12.9 billion	N/A

Approximately $60 billion in loans remained in the receivership for later disposition by the FDIC as of March 20, 2023.

Claims management and communication with the former bank's creditors

Claims against the receivership are recorded as liabilities if proven to the satisfaction of the receiver and may receive a distribution as assets are liquidated. The following data reflects the status of claims as of August 1, 2025.

Claimant Type	Claim Balance	Percentage of Claim Unpaid Remaining
Total Unpaid Deposit Claims	$130,416	0 %
General Creditor	$34,178	6 %
Subordinated Debt Holders	$583,375	94 %
Total Unpaid Other Claimants	$617,553	100 %

General unsecured creditors who provided goods or services prior to March 12, 2023, may file a claim against the FDIC as Receiver.

Limited, formal communication with residual SBNY shareholders (OTCPK: SBNY)

Shareholders were not protected in the initial resolution, and the Signature Bank Receivership's interest as the lone shareholder of the Signature Bridge Bank Receivership is subordinate to all proven claims against the Signature Bridge Bank Receivership.

• Shareholders will only receive distribution if sufficient proceeds remain after all proven claims against the Signature Bridge Bank Receivership are fully paid.

Managed relationship with borrowers on the retained loan assets

Loan customers were instructed to continue making loan payments as usual to Signature Bridge Bank, N.A. following the closure.

• The FDIC, as receiver, manages the liquidation of assets retained in the receivership, which included approximately $60 billion in loans as of March 2023.
• Loan payments continue to be managed under the receivership structure until final disposition of the retained assets.

Finance: review August 1, 2025 FDIC Receivership Summary for updated asset liquidation progress by end of Q4 2025.

Signature Bank (SBNY) - Canvas Business Model: Channels

You're looking at how the remnants of Signature Bank (SBNY) interact with the world now that the bank is closed. It's less about customer acquisition and more about asset disposition and legal finality. Here's the quick math on the channels the FDIC, as Receiver, uses to manage the wind-down.

FDIC's official receivership website and public filings are the primary public-facing channel for information flow. The FDIC provides the Signature Bank Receivership balance sheet summary, which reported known assets and estimated liabilities as of August 1, 2025. Furthermore, the FDIC released the public sections of informational filings that were due by October 1, 2025. These filings give stakeholders a view into the receivership's progress.

The channel for resolving creditor claims is strictly defined by regulatory deadlines and statutory priority. The Claims Bar Date for many parties was set at 07/17/2023. For residual claimants, the priority waterfall dictates the flow of funds, with subordinated debt holders showing an unpaid claim balance of $583,375, representing 94% of the Total Unpaid Other Claimants, which stood at $617,553 as of August 1, 2025.

Here are the key financial metrics related to the asset disposition channels:

Asset/Claim Category	Channel Partner/Mechanism	Value/Stake	Date/Status Reference
Commercial Real Estate (CRE) Loans	Blackstone-led JV (Hancock JV Bidco L.L.C.)	$1.2 billion for a 20% equity stake in a venture holding $16.8 billion in loans	December 2023 transaction
Rent-Regulated Apartment Loans	Santander Bank	$1.1 billion for a 20% stake in a venture holding $9 billion in loans	Final transaction reported
Other Funded Loans	Goldman Sachs and PNC Bank	$18.5 billion in more than 200 funded loans	October 2023 sale
Total Initial Retained Portfolio	FDIC Receivership	Approximately $60 billion of loans retained after initial transfer to New York Community Bancorp	Post-failure retention
Subordinated Debt Holders Unpaid Claim	FDIC Receivership Priority Waterfall	$583,375 (94% of Other Claimants)	As of August 1, 2025

Investment banks and brokers for loan portfolio sales were critical in executing the asset sales. Newmark & Company Real Estate, Inc. (Newmark) was retained as an advisor for the marketing process of the retained loan portfolio. For the $16.8 billion CRE portfolio, the Blackstone-led joint venture, which included Rialto Capital, paid $1.2 billion for a 20% equity interest. Rialto Capital will act as the loan servicer and operating partner for this venture.

Legal and regulatory channels for claims and court proceedings are managed by the FDIC as Receiver for Signature Bank, N.A., and Signature Bridge Bank, N.A.. A significant recent channel event was the court ruling in Gotlib v. Federal Deposit Ins. Corp. on August 11, 2025, where the court granted the FDIC's motion to dismiss a breach of contract claim, finding that the initial receivership transfer and subsequent joint venture transactions did not trigger a right of first refusal. Subordinated debt holders and stockholders, unlike other claimants, are not required to file a claim with the FDIC.

The residual OTCPK trading platform for the residual SBNY stock remains an active, albeit small, channel for equity holders. Signature Bank (SBNY) trades on the OTC Markets stock exchange. As of December 5, 2025, the stock price was $0.78. The market capitalization found as of December 4, 2025, was $41.77 million, which is the latest verifiable number, though the context mentions a market cap of $4.41 billion at the time of failure.

Direct communication via sub-servicers for loan management is established for the sold loan pools. For the $16.8 billion CRE portfolio, Hancock JV Bidco L.L.C. (indirectly controlled by Blackstone) is responsible for the management, servicing, and liquidation of the Venture's assets, subject to FDIC oversight. For the $9 billion rent-regulated apartment loan pool sold to Santander Bank, Santander itself will be responsible for collecting payments on those loans.

Finance: review the August 1, 2025, Receivership Balance Sheet for updated asset liquidation progress by end of Q4 2025.

Signature Bank (SBNY) - Canvas Business Model: Customer Segments

You're looking at the segments that interact with the Signature Bank receivership, which is a very different set of customers than the bank had before March 12, 2023. Honestly, these segments are mostly counterparties in the wind-down process, not active clients.

The FDIC's Deposit Insurance Fund (DIF)

The DIF is the ultimate backstop, and its health is relevant to the overall resolution environment. As of the third quarter of 2025, the Deposit Insurance Fund balance reached $150.1 billion. This represented a reserve ratio of 1.40%, up four basis points from the previous quarter. This balance increased by $4.8 billion in Q3 2025, driven primarily by assessment revenue of $3.3 billion. The fund is projected to reach the statutory minimum of 1.35% by the end of 2025. The total number of insured banks was 4,421 as of Q2 2025. The FDIC deployed 212 contract actions valued at $450 million to facilitate the resolution of Signature Bank and two other large failures.

Creditors and counterparties of the failed bank

These groups hold proven claims against the receivership estate. At the time of failure, Signature Bank had total deposits of $88.6 billion as of December 31, 2022. Of this, approximately $83.5 billion was held in accounts with balances exceeding the $250k insurance limit. The average balance in these uninsured deposit accounts was about $3 million. The FDIC transferred substantially all assets and deposits to Signature Bridge Bank, N.A., which was later sold to Flagstar Bank, N.A. The receivership balance sheet summary, as of August 1, 2025, reports known assets and estimated liabilities, where proven claims are recorded as liabilities that may receive a distribution.

• Total deposits at failure (Dec 31, 2022): $88.6 billion.
• Estimated uninsured deposits (Dec 31, 2022): Approximately $83.5 billion.
• Proven claims are recorded as liabilities on the receivership balance sheet summary as of August 1, 2025.

Residual shareholders of the former holding company (OTCPK: SBNY)

Equity holders, including common and preferred shareholders of the former holding company, are at the bottom of the statutory payment waterfall. Initially, recovery was penciled in at zero. However, the subsequent sales of retained loan portfolios have created a potential residual value. If the recovery rate on the remaining loan book exceeds 85%, there is a possibility of funds being left over for bondholders, preference shares, and ordinary shares. The stock traded as low as 0.22 cent before rallying on recovery hopes.

Institutional investors and banks acquiring loan portfolios

These entities are major counterparties in the asset disposition strategy managed by the FDIC. The initial retained loan portfolio was approximately $60 billion.

Acquirer Group/Bank	Portfolio Type/Description	Approximate Value/Bid Amount	Date of Transaction (Reported)
Goldman Sachs and PNC Bank	Funded loans (over 200 loans)	$18.5 billion (Sold)	October 2023
Blackstone-led JV (with Rialto Capital and CPPIB)	Commercial Real Estate Loans	$1.2 billion for a 20% stake in a venture holding $16.8 billion in debt	December 2023
Santander Bank	Rent-Regulated Apartment Loans	$1.1 billion for a 20% stake in a venture holding $9 billion in loans	December 2023

Following these transactions, the FDIC indicated it retained about $30 billion worth of Signature loans on its books, though the CRE portfolio was stated as sold. The FDIC received common stock potentially worth $300 million in the initial Bridge Bank transaction.

Borrowers whose loans were retained in the receivership

Borrowers whose loans were not immediately sold to Flagstar Bank, N.A., or in the subsequent portfolio sales, now deal with the FDIC as the receiver or the loan servicer appointed by the FDIC. The initial retained portfolio was comprised primarily of commercial real estate (CRE) loans, commercial loans, and a smaller pool of single-family residential loans, totaling approximately $60 billion. Santander Bank is responsible for collecting payments on the $9 billion rent-regulated apartment loan portfolio stake it purchased. Rialto Capital acts as the loan servicer and operating partner for the $16.8 billion commercial real estate debt portfolio stake acquired by the Blackstone-led venture. Loan customers were instructed to continue making payments as usual to the successor entity.

• Initial retained loan portfolio size: Approximately $60 billion.
• Rent-regulated apartment loans sold stake: $9 billion portfolio.
• Commercial real estate loans sold stake: $16.8 billion portfolio.

Signature Bank (SBNY) - Canvas Business Model: Cost Structure

The cost structure for Signature Bank (SBNY) as of late 2025 is dominated by the ongoing management and liquidation of assets retained by the Federal Deposit Insurance Corporation (FDIC) in its role as receiver.

Significant legal and administrative fees for the receivership process continue to be incurred as the FDIC works through complex asset sales and claim resolutions. While specific 2025 expense figures are not publicly itemized for this component, these costs are factored into the overall receivership expenses necessary to maximize asset recovery.

The servicing and management of the retained assets represent a major ongoing cost. The FDIC retained a substantial portion of the loan book for disposition after the initial transaction with Flagstar Bank, National Association.

Cost Component Basis	Reported/Estimated Amount
Total Loans Retained in Receivership	Approximately $60 billion
Initial Estimated Cost to FDIC Deposit Insurance Fund (DIF)	$2.5 billion
Deposits Related to Digital-Asset Business Retained	About $4 billion
Asset Discount on Initial Transfer to Flagstar Bank	Reportedly $2.7 billion
Total Estimated Cost Attributable to Uninsured Depositors (SVB & SBNY combined, as of Nov 2023)	Approximately $16.3 billion

Loan servicing and asset management costs for the retained $60 billion portfolio include expenses for property management, legal enforcement on non-performing loans, and advisory fees for the sale process. For instance, Newmark & Company Real Estate Inc. was retained as an advisor to help offload the retained loan portfolio.

Personnel costs for the FDIC's resolution team and contractors are necessary to manage the receivership, including specialized staff and external advisors engaged for asset valuation and disposition strategies. These costs are drawn from the receivership estate before any distribution to the FDIC or other claimants.

The estimated $2.5 billion cost to the FDIC's Deposit Insurance Fund (DIF) remains the benchmark figure for the loss incurred due to the systemic risk exception used in the resolution. The FDIC is recovering this loss through special assessments on large banks, with an estimated $18.9 billion total cost attributable to protecting uninsured depositors from both Signature Bank and Silicon Valley Bank as of September 30, 2024, to be collected over ten quarterly assessment periods.

Costs associated with winding down the digital asset business infrastructure are also a factor. The $4 billion in deposits related to the digital-asset business were not assumed by Flagstar Bank and remained in receivership, requiring specific administrative and wind-down procedures separate from the main commercial loan book.

• The receivership estate is subordinate to all proven claims against the Signature Bridge Bank Receivership.
• As of December 31, 2022, Signature Bank reported total assets of $110.4 billion and total deposits of $88.6 billion.
• The FDIC has borrowing authority of $100 billion from the Department of the Treasury if the DIF requires additional funding.
• The special assessment to recover DIF losses is being collected at an annual rate of 13.4 basis points under the final rule.

Signature Bank (SBNY) - Canvas Business Model: Revenue Streams

You're looking at the final stages of asset realization for the Signature Bank (SBNY) receivership, so the revenue streams aren't about new lending anymore; they are about clawing back value from the assets the FDIC took over back in March 2023.

The core of the remaining value realization centers on the disposition of assets that weren't immediately sold to Flagstar Bank. As of the initial transfer, approximately $60 billion in loans remained in the receivership for later disposition by the FDIC.

Here's a breakdown of the specific financial components driving the final returns:

• Proceeds from the sale of the retained loan portfolios.
• Interest income generated from the remaining $60 billion loan book.
• Recovery of assets to offset the FDIC's estimated $2.5 billion loss.
• Potential value from the residual equity appreciation rights held by the FDIC.
• Final distribution of residual value to the SBNY holding company.

The disposition of the loan book has seen several major transactions already. For instance, a significant portion of the Commercial Real Estate (CRE) loans was handled via a joint venture structure. In December 2023, Hancock JV Bidco L.L.C. paid $1.2 billion for a 20 percent equity interest in the entity holding $16.8 billion of those CRE loans. As part of that deal, the FDIC-Receiver also received a purchase money note in the original principal amount of approximately $6 billion.

Another major component was the sale of private equity subscription credit facilities. PNC Bank acquired a portfolio worth approximately $16.6 billion, which included $9 billion in funded loans, in October 2023. Customers Bank also purchased a $631 million loan book linked to venture capital funds in June 2023.

The initial estimated cost of failure to the Deposit Insurance Fund (DIF) was approximately $2.5 billion as of March 2023. The goal of these asset sales is to recover funds to offset that initial cost and any subsequent losses realized during liquidation. The latest available receivership balance sheet summary, dated June 30, 2025, shows Total Assets of $189,133 (in $000's), consisting mainly of Cash and Investments of $76,217 and Due from FDIC Corp and Receivables of $112,916 (all in $000's). This suggests most of the large loan book assets have been moved out of the direct receivership asset line item, likely into the receivables or realized cash accounts following sales.

The equity appreciation rights (EACs) represent another potential, albeit subordinate, revenue stream. The FDIC received EACs with a potential value of up to $300 million in New York Community Bancorp, Inc. common stock, which were exercised in March 2023.

The final distribution to the SBNY holding company is contingent on all proven claims against the receivership being paid first. If sufficient proceeds remain after paying all proven claims against the Signature Bridge Bank Receivership, the funds flow up to the Signature Bank Receivership as the sole shareholder of the Bridge Bank Receivership, which then becomes part of the final distribution pool.

Here are the key figures associated with the asset disposition process:

Asset/Stream Component	Associated Value/Amount	Status/Context (Based on latest data)
Initial Retained Loan Book	Approximately $60 billion	Original amount retained in receivership for disposition.
FDIC Estimated Cost of Failure	Approximately $2.5 billion	Estimated cost to the DIF as of March 2023.
CRE Equity Stake Sale Proceeds	$1.2 billion	Paid for a 20 percent equity interest in the CRE venture (Dec 2023).
CRE Venture Financing Note	Approximately $6 billion	Purchase money note issued to the FDIC-Receiver (Dec 2023).
Private Equity Loan Book Sale (PNC)	Approximately $16.6 billion	Acquired loan book value (Oct 2023).
FDIC Equity Appreciation Rights (EACs) Potential Value	Up to $300 million	Potential value in NYCB common stock.
Receivership Total Assets (June 30, 2025)	$189,133 thousand	Current balance of cash and receivables in the receivership.

The interest income stream would have been generated from the servicing of the retained loans before they were sold or resolved, contributing to the cash balance reported as of June 30, 2025. The ability to generate further interest income from the $60 billion book depends entirely on how much of that book remained unliquidated as of the latest reporting date. Any recovery of assets to offset the $2.5 billion loss is now realized through the proceeds of these sales.

Finance: draft final asset recovery reconciliation by end of Q3 2025.